BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I went to the TransUnion website to start a dispute with some discrepancies on my TransUnion credit report. For TransUnion, I had to make an act first, which seems odd for a personal dispute, logged into TransUnion to start, and then I wasn't able to press any edit buttons or any Dispute item buttons as TransUnion had stated. There are NO options of the such on the TransUnion website, they list a step by step on how to start a dispute and but it doesnt work - the steps just dont exist. I cant email TransUnion and each time I call them, they arent taking calls and the line hangs up. This very frustrating for this is messing my credit score and credit lines up. I dont know what to do. Please help amend this situation. This is a very dangerous game they are playing.

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 2023-11-15
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX recieved a stack of documents disclosing thier " Get Tough Policly '' of how they meticulate thier policy of getting rid of me, slowly. Since the above date XXXX XXXX XXXX XXXXXXXX moved my direct deposit accounts to XXXX XXXX where I have a cash reserve and Secured credit card.

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 2023-08-05
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is constantly reporting inaccuracies on my credit report monthly. I have contacted them about this account and their inaccuracies. The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies . By this company reporting immaculate information on my account, this has prevented me from moving forward to purchase a home. This account needs to be removed from my credit report. My credit laws are being violated and I want this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I was reported as late. After 15 years with this company with no problems, they have returned my payments and reported me as late. I contacted the company last month and the representative took my money to make me current. This was although she did not understand the data. This month again XXXX returned my payments with no explanation. Evidently the left hand does not know what the right hand is doing. I will again contact them on the next business day to try to resolve the situation. 
I have received numerous reports with differing amounts. Also I have received coupons with different amounts than on the statements.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are two student loan balances on my credit report and one needs to be deleted because my loans were transferred to XXXX from debt of education aidvantage. The correct one that should be reflected on my account is XXXX the other one needs to be removed because it is providing inaccurate information showing a balance of XXXX when the balance is only XXXX, please remove that other account off 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 2019-08-13
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received two ( so far ) text messages from Zelle informing me that someone sent me {$500.00}. I do not recognize the sender 's name, I was not expecting any money from anyone, and I do not use Zelle. 

I contacted Zelle to report the mistake or fraud, and to ask that they reverse or cancel the payment. They refused to reverse or cancel the payment, saying that if I do nothing the sender will receive their money back within 14 days. 

They didn't seem concerned that it was at least erroneously, but likely fraudulently sent from the rightful owners account, and they were knowingly profiting by retaining the money for a significant period of time. 

They also initially said that there was no way to block my phone number from their service, but after I got very insistent the agent seemed to change her story and said that she would block the text messages. I was tired of arguing with them at this point and gave up on pressing the point that blocking the text messaging was not the same as blocking my phone number from any use by their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Upgrade, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The company never credited my account for cashback earned in XX/XX/XXXX. They offered a debit card that earned 1 % cashback on purchases. I made five purchases, each totaling {$5000.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each of these purchases indicated on my account as earning {$50.00} in cashback. This cashback, totaling {$250.00} was never paid to my account in XX/XX/XXXX or XX/XX/XXXX. Upgrade then closed my accounts in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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:
I have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX XXXX, however they are listing a debt on my credit report that I have disputed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2018 I purchased a XXXX XXXX side to side unit including half windshield, roof kit and winch for {$10000.00}. I used my credit card for a {$2000.00} down payment as seen on the invoice. However, the merchant XXXX XXXX, XXXX overcharged {$990.00} as they added the total cash price to {$12000.00} in error when it adds up to {$11000.00}. The agreement was to pay {$10000.00} for the unit with accessories listed above plus registration fees and sales taxes ( as listed on the invoice ) as follows : {$10000.00} + XXXX+XXXX+XXXX+XXXX ( sales tax ) equals {$11000.00}. I explained this to Chase representative XXXX at XXXX X XXXX and also supervisor XXXX XXXX. in Texas but they did not want to acknowledge what occurred but rather sided with the merchant who lied and claimed I purchased accessories separately when as the invoice shows the credit card was used as a downpayment and the accessories were included in the purchase price of {$10000.00}. The credit card receipt shows {$2000.00} with no mention of accessories proving that it was used as a downpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The name of the collection agency is XXXX XXXX XXXX XXXX ( XXXX ). 
The dept is from XXXX XXXX according to them, I did attended the hospital in XXXX But not the date that the collection gave, I was not seen by a doctor, I did perform XXXX  and drip was given to me by a nurse, and final bill was sent to me and I paid it in full. XXXX XXXX is a fraudulent collection agent, for the following reasons, when I saw the report on my credit report, without account number and I did demanded for the details and they collected my SSN, date of birth and recorded it, I do asked them for the number of the original debtor but it was withheld from me, I called the hospital to request for the details and no details was produced or found. 
This fraudulent act caused me a new job that I got, due to financial delinquencies. I need it removed and deleted from my account without a trace. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: IN
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:
I reached out to the 3 credit reporting bureaus in regards to a collection account that is not mines and I have documentation showing it is not mines. I just want to get this removed because its reporting inaccurately.

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 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-10-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: IL
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a XXXX complaint to Capital One, about the recurring charge of XXXX from XXXX. Their response from Corporate, to resolve, was to put a block on XXXX count, however It did not work. I was charged XXXX in XXXX and in XX/XX/2023. I need these charges reversed and the recurring charges blocked please. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital one auto finance replied back to an cfpd complaint and sent me a letter stating all 3 credit bureau reports has been updated to payment status current never later. However, XXXX report still shows 30-60 days late and has not been updated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Experian Credit has wrong information and XXXX more credit that the othe two Credit bureaus

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 2023-06-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-07
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had 2 charge disputes in progress, 1 of which the company claims is/was a reversed charge when it wasnt. Also, I had dozens of fraudulent charges on my account that were declined by the company, but they refused to do anything about it for me other than change the card number.

With the above information said and done, the company had put a freeze on my account AFTER I had made a payment equaling XXXX of the balance last XXXX, the XXXX. I wasnt aware of it until several of the monthly recurring charges/payments I had designated to the card were all declined. I immediately contacted the company, but it took at least 3,4 hours to reach a real person. I explained the situation to them and the supervisor, but they REFUSED to lift said freeze despite the situation of my monthly recurring payments, as well as being a XXXX person on fixed income. I closed the account, I was that disgusted with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Billing Error amount of {$2400.00}. XXXX of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Ditech Financial LLC
State: FL
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:
In XXXX of XXXX XXXX XXXX XXXX our mortgage company account number # XXXX gave us emergence relief do to Hurricane Irma for 3 months. After 3 month or on XX/XX/XXXX we started payment again to XXXX XXXX until our loan was approved for modification in XXXX of XXXX. Last payment from us to XXXX was XX/XX/XXXX XXXX.In XXXX of XXXX XXXX sold our loan to Ditech new account # XXXX in the process XXXX XXXX  XXXX did not record our new modified loan. In XX/XX/XXXX of XXXX we started sending our payments to Ditech account # XXXX for 5 months our last payment was sent to Ditech on XX/XX/XXXX. In XXXX of XXXX Ditech sold our loan to XXXX new account # XXXX from XX/XX/XXXX to current. Currently Ditech is reporting to all Credit Bauru we are 180 days late from XXXX of XXXX. This is not correct we were never late on any payments. I have disputed Ditech report to all major credit companies on many occasion without any result. Ditech told me XXXX is the entity responsible for 180 days late payment, when I speak to XXXX XXXX XXXX  they are telling me they have not reported any late payments and it is Ditech problem not XXXX issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief