BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted Transunion a total of 4 times regarding disputing invalid credit inquiries on my credit report. I pulled a copy of my credit report and saw that there were a total of 7 credit inquiries from different companies that I never authorized to pull my credit report. I dont believe this information is related to identity theft because I contacted each of these companies and gave them my personal information including Name, Address and Social Security number and they could not locate any applications or accounts on file. I believe that my information is being mixed with someone else. I contacted Transunion to investigate these inquires are they would not even dispute the inquiries from my credit report. They stated that inquiries are factual data and can not be disputed. Transunion is violating the Fair Credit Reporting Act by not disputing inaccurate information on my credit report. This is why I am filing a complaint against Transunion. Transition has failed to conduct a reasonable investigation regarding this issue which is in violation of the Fair Credit Reporting Act. I would like Transition to remove the following inquiries. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXl XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX   XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

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 2021-03-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 21 times a charge off on one account. How can any single account be charged off 21 times? A negative of 4 120 days late back to back. There are only 30 days approx in a month. How can I be 120 days late each month for 4 months? The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score. There is also inconsistent information being reported to different bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: Mercedes Benz Financial Services
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
XX/XX/XXXX- I leased XXXX XXXX XXXX 2016, Representative XXXX showed me the car with all the features but gave me a different one without any features. The one I brought home had only the basics and it was the same car. When I brought this concern to the supervisor and also to the few more representatives working there, they didn't address the issue. So, I managed to pay the whole lease even though it wasn't the car I picked. I was told that representative who sold me the car had been terminated because he cheated several clients. 

At the end of the lease XX/XX/XXXX, I emailed the company multiple times because I wanted to purchase the car and no one showed any interest. I was also at the dealership because I wanted to purchase the same car or maybe another car XXXX  XXXX, 2016 which I really liked. They said, someone will call me soon and no one ever reached out to me. I received a statement saying that I owe company {$1200.00} because the termination fee and I scratched the door. When I returned the car they actually inspected the same day and there wasn't any scratches. Also, the termination fee was never mentioned to me when I leased the car. I paid the whole lease off so I am not sure, why they want me to pay more money. I am an XXXX student and I have a lot of student loans to pay off so please help me out in this situation. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} Please confirm the information shown in this account is 100 % accurate or CORRECT this account information from my credit report because I believe it may be erroneous.

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 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 DISPUTE WITH CAPITALONE ON OR AROUND XX/XX/XXXX FOR THE DOLLAR AMOUNT OF {$600.00}, A DISPUTE OVER A DANGEROUS USELESS ITEM PURCHASED ONLINE THAT CAN NOT BE USED AT ALL, NOT WHAT WAS ORDERED FROM THE COMPANY NOR WHAT WAS ADVERTISED BY THE AUTO COMPANY. IF THE ITEM IS USED IT WOULD CAUSE A SERIOUS DANGEROUS HAZARD ON THE ROAD, BECAUSE OF THE POSSIBLITY OF THE ITEM COMING OFF AT A SPEED OF 40 MPH OR FASTER, WHICH MAY CAUSE SERIOUS ACCIDENTS AND/OR DEATH TO OTHERS. THIS ITEM HAS NEVER BEEN INSTALLED ON THE VEHICLE AND CAN NOT BE INSTALLED BECAUSE OF THE DAMAGE. CAPITAL ONE REFUNDED THE CHARGE UNDER THE DISPUTE POLICY, HOWEVER ON XX/XX/XXXX PLACED THE CHARGE BACK ON MY CREDIT CARD, DESPITE THE FACT THAT IN ITS OWN CONTRACT WITH THE CREDIT COMPANY, I HAVE EVERY RIGHT NOT TO BE CHARGED FOR THE USELESS ITEM, WHICH WOULD CAUSE A ROAD HAZARD. I ATTEMPTED TO RESOLVE THE PROBLEM WITH THE AUTO COMPANY, HOWEVER TO NO AVAIL. ON OR AROUND XX/XX/XXXX, I PAID IN FULL, IN ADVANCE, AND WAS CHARGED {$600.00} FOR AN ITEM FOR A VEHICLE PART THAT WAS PURCHASED ONLINE FROM XXXX XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX, XXXX, IL. THE COMPANY CHARGED MY CREDIT CARD IN FULL {$600.00}, BUT REFUSED TO SEND THE ITEM. WHEN I CONTACTED THE AUTO COMPANY, THEY MADE ME WAIT WEEKS TO RECEIVE THE ITEM AND SHIPPED THE ITEM DAMAGED TO ME. I HAD TO REFUSE THE ITEM AND HAVE IT SENT BACK, HOWEVER THE COMPANY KEPT MY MONEY. I HAD TO REQUEST THAT AN ITEM THAT IS NOT DAMAGED BE SHIPPED TO ME. AGAIN WEEKS WENT BY AND THE COMPANY SHIPPED OUT ANOTHER ITEM THAT WAS DAMAGED AND HAD THE DAMAGED CONCEALED UNDER SHIPPING PAPER TO HIDE THE DAMAGE. UPON FURTHER EXAMINATION OF THE ITEM, I CONTACTED THE COMPANY ABOUT THE DAMAGED ITEM, THE COMPANY CALLED ME A RACIAL SLUR " XXXX  '', " XXXX  '' AND A " XXXX '', SAID " XXXX XXXX '' AND LAUGHED THEN REFUSED TO SPEAK TO ME, KEPT HANGING UP ON ME, REFUSED TO TAKE ANY OF MY CALLS AND REFUSED TO REFUND MY MONEY OR EVEN SHIP OUT AN ITEM THAT IS NOT DAMAGED AND PICK UP THE DAMAGED ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have had big problem with this paypal mess for months now, and now they have added another problem for me. I want to log in on the same pc I always use. I have had no changes with my log in or password. Nothing has changed other than them maybe wanting to hassle me for when they recently would not let me link my bank acct to transfer money. I try to log in and it now wants a mobile number which I do not have. I need my acct unlocked so I can access it. This is causing me problems once again. 

I sat through 2 minutes of messages and number punching to finally get on the wait list for someone to talk to. I then waited for over 10 minutes and still got no one. I worked on this complaint while I was waiting and finally ended the call and I am now sending this complaint to get some action. 

If this company can not operate it properly and with any of these excuse they use they need to shut down their operation as they are causing people all kinds of problems. They seem to have plenty of workers there to hassle me like they did with my last complaint. Some clown there spent who knows how long to give me a hard time with distractions, excuses and non-applying things instead of simply taking care of the problem. Have this same clown work on this one also and I can keep making complaints every place I can find until I get my acct unlocked. Have that clown do some actual work there and stop hassling customers. Why is this company even in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
This complaint concerns credit card FRAUD by both Capitalone Credit Cards and XXXX video streaming. Back in XX/XX/XXXX I had XXXX service, at XXXX XXXX/mo. and cancelled it as of that month and the charges stopped at that time. Suddenly in XXXX ( caught in XX/XX/XXXX ) i start seeing XXXX  again, now {$9.00}, charged to my Capitalone credit card. I report this fraud to Capitalone and so they cancel and replace my card with a new one AND a NEW CARD NUMBER, start an inquiry, and credit the two {$9.00} charges. Then SOMEHOW, THEY GIVE my now NEW CREDIT CARD NUMBER to XXXX, and the charges begin again! Finally I have to request that Capitalone BLOCK XXXX from charging to my card. That was last year and the charges ( and DAILY XXXX emails for me to fix my payment account ) finally stopped. Now AGAIN, this month, XX/XX/XXXX, XXXX has started charging this new card number again, and Capitalone is allowing it again. These two companies should be stopped and fined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: CURO Intermediate Holdings
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
FEDERAL TRADE COMMISSION XXXX XXXX XXXX, XXXX, XXXX XXXX 

morning_______, After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for XXXXhree serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception This email continues with my personal information and 13 yr old address along with my social security number. This complaint states its coming by the federal trade commission. 

Finally, you have the right to hire an attorney, if you have one or if you can not afford one then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$8300.00} excluding your bail charges, your attorney charges and the due amount pending on your name. 
Copyright XXXX FTC| Privacy | Terms of use Thanks & regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
To : Whom

It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$9300.00}, {$12000.00}, {$18000.00}, {$28000.00}, {$15000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated o
n XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA,

Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pu
rsue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

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 2019-05-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is related to Complaint XXXX, which I closed because Pay Pal Credit ( Synchony Bank ) promised to rectify the problem but failed to do so. 

The fraudulent account they opened in my name without my knowledge or consent is still open with a fraudulent balance they are billing me for.

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 2019-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.

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 2019-05-14
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am in help of the Consumer Financial Protection Bureau. I am a victim of Identity theft and a fraudulent checking account was opened in my name. I filed a report with the Federal Trade Commission and have attached with all my other accompanying documents. Its preventing me from moving on with my life because no bank wants to do business with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My account was over charged by {$800.00} I have included a copy of an email I sent to the company. I have pictures as proof. Besides the XXXX they also charged interest of about {$300.00} that may not have accumulated if the money was added to the correct accounts. 

Hello, I must clarify a few things, the loans are n't very clearly laid out. but here is exactly where I think the problem is. I have 4 loans :  XXXX - {$3500.00} XXXX - {$2000.00} XXXX - {$2000.00} XXXX - {$1500.00} XXXX - {$9000.00} It appears to be errors within loan XXXX. 
I paid {$1700.00} for this loan before I left school and another {$1400.00} after I left I do understand that the interest must be added and paid for but the bill was at {$2800.00} in XXXX which does n't make sense because the loan is for {$2000.00} and made in XXXX, the interest rate is at ~6.8 % I do n't understand how it can accumulate so fast. 
please take a look. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I lost my job in XXXX and i did the best i could to keep making payments but i ran out of savings, 401k and income tax and i called to ask if they would close my account so i would keep puling up the interest so i could repay them back and they said NO, that it wasnt fair to " all the other borrowers '' which i asked them if all they other borrowers had lost their jobs and was over 60 years old having a hard time finding another job. I have tried paying what i can and they csll me all day long on different numbets but will not work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Balance reduction letter sent no BALANCE REDUCTION WAS DONE SEE LETTER was standard modification keep sending! have paperwork for state and federal court to file trying to avoid! ( and modifcation was sent more than once_

Company response to consumer: Closed with explanation