BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: BTH Management
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this message is for plaza servies llc about the account they have on file. i cant submit feedback to the closed complaint but i read your cfpb response. yes i noted the date the fraud occurredon XXXX of this year, but the reason is because i cantremember so i put something down and i also reported it to the police that it occurredin XXXX of this year. i have XXXX XXXX XXXX XXXX due to my XXXX. whetheryou want to believe it or not is up to you. i cant get a copy of the police report just yet because they informed me that it will take a few days. i promise you i am not making this stuff up. i have XXXX XXXX and XXXX XXXX  to where i get brain fog so dont start with me on this ok? thanks. i am not making anything up. when i get a copy of the police report ill send you a copy via email. i have severe XXXX and XXXX XXXX XXXX i cant even remember what i did yesterday. so dont start ok? thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is not only trying to collect on a zombie debt but has been reporting incorrect information to the credit bureaus. This is a severe issue as it is causing me XXXX XXXX XXXX There are many errors being reported on my credit report by this account such as date of last activity, date opened, account status is reporting as open, payment status showing incorrect information.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  Equifax Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXXXXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried several times to get the fraudulent accounts opened in my name without my consent off my report. Experian and XXXX are knowingly reporting inaccurate fraudulent information to my report which violated the FCRA. 

XXXX XXXX Acct # XXXX for {$880.00} reported XX/XX/XXXX stating it was opened XX/XX/XXXX and XXXXXXXX XXXX XXXX Account # XXXX *** for {$370.00} reported XX/XX/XXXX stating it was opened XXXX for the same duplicate account and I have had boost mobile for the last 2 decades and why are they allowed to lie and report inaccurate information. So please ask where this account was set up and what proof of identity was given. I have filed and FTC identity report and I have reason to believe this was identity theft. 

I think that is the case with the XXXX XXXX Account # XXXX for {$270.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Capital Alliance Financial, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called these companies to complain about them they said it was in error that they will contact the company but they havent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a with DSNB MACYS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i checked my bank account and had a charge of {$26.00} from transunion on XX/XX/21. ive never even received a credit report from this company. i called their customer service & they told me my account is locked & they can not tell me what im being charged for. they told me to submit a bill with my name on it. i dont pay bills, im XXXX i have mo credit. if i have no credit, why am i being charged for a credit report i dont have? i cant even view the report there isnt one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one is basically telling its customers that if they dont have a phone you can't access your account online period it doesn't matter if you dont have the means to get a phone or access it doesn't matter if you have a XXXX, they won't let you into the account. 



I want to make this very clear about what happened to me as I have been held XXXX by this. I had attempted to log in to my account back in XXXX when the site required a Mobil text verification, I dont have a phone I dont have access to a phone so in a panic I tried to contact capital one via chat and they said oh you can mail the payment. They payment was due in a few days and they didnt care that couldnt log into the account and by mailing payment would make the account delinquent so I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have told capital one this and they dont care they will not allow me access to my account remotely via the computer. 



The capital one caf wasnt able to expedite my complaint, they have no email contact, their social media page refuses to help and they blatantly say Theres nothing they can do. 

They are essentially forcing people to purchase a phone in order to receive a simple text message and I will not be forced to do that when I am in no position to do so. 



I have been held XXXX now for six months and at this point where if they continue to refuse not to resolve this matter than I will retain an attorney and I will pursue capital one for damages. They will not force me to obtain a Mobil phone or any other capital one customer. They should be trying to work this out so they can do an alternative means of verification but they refuse to do so. But with that being said if they chose to refuse to even make an attempt to resolve this with the XXXX  then an attorney will be retained and they will be contacting capital one and maybe then they might change their tune but I am giving them one final opportunity to resolve this because what they have put me through is not I am very serious when I say I will pursue legal action I have tried to work this out with capital one but they refuse to even attempt to resolve this so either resolve the matter or I will move forward with legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This has to do with an old complaint, a while back i wrote you are in regards to an account on my credit file, that was caused by identity theft/fraud. this account was remove from my file and then re-inserted and re-aged over and over again. I sent in a police report and it was deleted from my account, then the credit bureaus put them back on my file, so i went and file another identity theft police report in regards to the same account, it was deleted then again re-inserted and re-aged again, due to the fact, another collection agency purchase this same account. how can the credit bureaus keep allowing this same type of action over and over again, without putting a block on this fraudulent account. this should be considered a scam from both the credit bureaus as well as the collection agencies working together with each other. This surely goes against the FCRA Laws and by laws. it seems the credit bureaus do not care about the consumers rights, only making money with the collection agencies. This account has been deleted from my file about 12 times and re-inserted and re-aged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: FULTON FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX FULTON BANK NATIONAL ASSOCIATION FULTON BANK XXXX XXXX XXXX XXXX XXXX, NJ XXXX CHECKING ACCOUNT # XXXX OPEN XXXX {$380.00} XXXX CHECKING ACCOUNT # XXXX CLOSE XXXX {$370.00} XXXX DEBIT CARD VISA # XXXX XXXX XXXX XXXX IRREGULARITIES IN THIS BANK : 1- Fulton Bank Statements mention my account as a PRIMAY ACCOUNT. I AM UNAWARE if there is a SECUNDARY ACCOUNT or OTHER FRAUDULENT ACCOUNTS IN MY NAME. I just opened the Account ABOVE. 
2- In the Bank Statements , my Bank Account Number is not mentioned fully. 
3- Fulton Bank did not want to provide me the 2019 FORM 1099-INT.

Due to after moving from this bank to another state bank, I continue to be harrassed in the same way as in New Jersey, ( I suspect Fulton Bank sent MY UNDER INVESTIGATION STATUS ), the consequences OF FULTON BANK FRAUDULENT GOSSIPS HAS CAUSED ME THE FOLLOWING : I have lost a big amount of money moving from state to state ; lost a big amount of money selling my properties immediately after I purchase them ; I am being rejected socially due to people believe I am a criminal or I am crazy ; I have been harassed, I strongly suspect by bank under cover officers. Lies ( that I am a criminal or that I am crazy ), are being spread to my neighbors, church members, employers, singles groups etc. I have been fired from several jobs without any valid reason, and I have been rejected, CONTRADICTORILY, one day after I have been hired VERBALLY. My car have been vandalized ; My personal homes have also been broken into. When I reported it to the Police I was told no one is harassing me, no one is vandalizing my properties, and that I am crazy. The police minimize the problem justifying the police officers, or ignoring at all my complaints. ANY LAWYER WANTS TO SEE MY CASE. XXXX, emails, and cellular phone have been hacked and impersonated bothering my friends and me. 

- Cashiers Check from previous bank is attached ( XXXX XXXX XXXX XXXX ) - Closing transaction is attached. 
- Cashiers check closing account is attached. 
- Bank CLOSING statement is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I went to XXXX XXXX and withdrew {$1000.00} from an atm. I then drove up to the Capital One Gateway Overlook Branch ( XXXX XXXX XXXX XXXX ) ATM and attempted to make a deposit of {$1000.00} in cash sometime between 4:10pm and 4:30pm. After submitting the cash ; the ATM went dead. I immediately went inside to speak with a branch manager but none was available. 

I was advised by a branch ambassador/teller named XXXX XXXX XXXX XXXX can't do anything and that I would need to contact the claims department. Contacted the claims department while in the bank. 

I was given a provisional credit pending investigation. Fast forward my account is negative {$950.00} and I just learned that the credit was reversed. According to the written notice I received, I was advised that a partial credit of {$50.00} was given to my account while {$950.00} was denied w/ no other details. 

I then contacted them and requested that I be provided written documentation of the investigation process. I have yet to receive the documentation. I called today XX/XX/XXXX to follow up and I was advised I would receive documentation. When I asked about the investigation process and requested to speak with a manager They basically stonewalled me. 

I requested an appeal which they stated I would have to wait 15-20 days for results. I was told I can't email a manager. I'm not allowed to have a manager 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXXXXXX XXXX  Inquiry Date XX/XX/202XXXX XXXX  Inquiry Date XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I do not have a freeze on my EQUIFAX credit file, however my mortgage company is unable to obtain my report - my mortgage may not process due to this. I have been calling for several weeks and have promised a return call to assist but this never occurs

Company response to consumer: Closed with explanation