BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under both federal and state legislation.I am aware that the inclusion of major factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that certain items in my credit report are unrelated to any transactions I have personally conducted. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources.If you believe that I have indeed received the goods or services in question, I kindly request a senior official from your company to verify, under penalty of perjury, that I have indeed obtained them. It has been unlawful for these businesses to engage in aggressive inquiries and include unauthorized accounts on my credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts or the associated hard inquiries, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my credit report. These items are not showing from the other credit bureaus I implore you to please remove these items immediately.

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 2018-05-14
Company: CITIBANK, N.A.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The balance on this account was supposed to be cancelled because the couch they sold me and charged to this account fell apart. They refused to honor the warranty they also charged me for. The couch was not fit for the purpose for which it was sold. The XXXX XXXX would not even take it because they would not be able to fix it so I had to pay {$300.00} to have it taken away. 

Nevertheless, XXXX XXXX has refused to credit back the account. They have also refused to stop taking payments out of my checking account. 

In sum, XXXX XXXX sold me a faulty product and a warranty on it that cost me more money and then refused to replace or repair the product and continue to charge me for it.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I recently checked my credit report and found inquiries that do not belong to me.

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 2021-01-25
Company: EQUIFAX, INC.
State: AL
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've contacted Equifax numerous times about a credit card that was incorrect on my credit report. I was ( without my knowledge ) added as an authorized user on the credit card which had two late payments in 2019. Both XXXX  and XXXX  have both removed the account from my report, but despite multiple attempts ... the account remains on my Equifax report. 
Equifax even asked if I had any supporting documentation ... to which I replied : How would I have any supporting documentation? This was not my account. I've never received a bill, card, or any other info. I only knew about it from it showing up on my credit report when I was working on getting a loan. 
This is, in my opinion, a failure by Equifax to follow the dispute process that a consumer should be allowed and furthermore poor service of their duties to accurately report information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( CAPITAL ONE BANK, XXXX  XXXX  ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please see the attached letter to Mr. XXXX XXXX, Chairman and CEO, JP Morgan Chase detailing Chase Bank 's failure to perform its fiduciary responsibilities in protecting the funds of XXXX XXXX, a XXXX year old vulnerable adult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: TN
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:
My purse was stolen a few years back and I have been battling to get fraudulent accounts removed from my consumer reports. I filed a police report, I filed with the FTC and I contacted the companies involved and sent info to them but these accounts are still showing on my reports. I need them blocked!!

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 2022-11-08
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-12-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, XXXX I submitted a dispute to Equifax in regards to a closed account for XXXX XXXX being removed from my credit report. I was advised by Equifax that the investigation would last 30 days which according to there record would have been XXXX XXXX, XXXX. Today XXXX XXXX, XXXX. I checked my credit report and it still states " customer dispute-reinvestagation in progress. I contacted Equifax and was advised by a representive that they had sent information over to the company for a dispute on past due payments and because I requested for the account to be closed. Equifax never received a response from XXXX XXXX so the account was not removed for the reasoning of the dispute. I advised the representative that the information I submitted was not in regards to past due payments and that the account was already closed and I was requestinv for this account to be removed. This vehicle was registered under a company. That is still showing under dispute and under the FCRA after 30 days with no response from the creditor the credit reporting agency will have to remove the account and stop reporting it. She then changed her story and stated there were no disputes on my account and because they didnt receive anything from the creditor they made the decision for them. ( Even though they did not even receive a response to the information submitted to the company. ) I advised her this is completely against any laws that protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with XXXX closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other Transunion closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time

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 2021-04-28
Company: EQUIFAX, INC.
State: CA
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 disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Credit Karma, LLC
State: CA
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:
I was invited to apply thru credit karma for a XXXX card offered thru XXXX XXXX with a credit karma guarantee & with outstanding approval odds, I have good credit with XXXX balances on all my credit card accounts with an excellent on time payments never late! My income is significant with a great income to debt ratio less than 10 % yet I was denied credit? For to many obligations to income??? I have had issues with XXXX XXXX in the past I believe they have me black listed for whatever reason? I also was given the credit karma guarantee which if I was denied I would be paid {$50.00} credit karma sent me an invite to open a credit karma spend account & the {$50.00} would be credited to my new account so when I responded to open the account I was told my identity could not be verified?? No sense because all my credit accounts & bank accounts are linked to credit karma! As well as my XXXX account which I have my car loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The Bank placed a 7-day hold on my cashier 's check from XXXX XXXX in violation of Reg CC. This is abusive. The check was for {$8500.00} and there is more than enough money in my account there to cover it. Just another example of a bank abusing its customers

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 2021-07-08
Company: OPORTUN FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pursuant to a previous complaint that was filed because they failed to timely pay our property taxes, which they held in escrow, Dovenmuehle Mortgage paid the taxes and, from their own account, the penalties, closed our escrow account as of XX/XX/2021, and promised to return the funds remaining in our escrow account ( {$3900.00} ) to us. They have not done so, apparently because they mistakenly submitted a second property tax payment, and claim they can not get a refund until XXXX. Even if they have to wait until XXXX for the refund, which is not confirmed by the XXXX County Tax Office, we should not have to wait for our funds because the mistake was theirs and the refund will be paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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 2023-07-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I paid {$1400.00} full amount on my XXXX XXXX credit card on XX/XX/XXXX. My XXXX XXXX payment is NOT DUE until XX/XX/XXXX. 
XXXX posted XX/XX/XXXX XXXX full amount XX/XX/XXXX Equifax XXXX XXXX lowered my credit score XXXX points on XX/XX/XXXX. I made the purchase on XXXX days after {$1400.00} purchase, XXXX points was lowered from my credit score, UNETHICAL business practices by Equifax XXXX XXXX. 
A. XX/XX/XXXX purchase made on XXXX XXXX {$1400.00} B. XX/XX/XXXX Equifax XXXX XXXX lowered my credit score by XXXX points C. I paid off XXXX XXXX {$1400.00} I paid off XXXX {$160.00} both on XX/XX/XXXX, I have XXXX credit card debt D. My XXXX XXXX credit card payment is due on XX/XX/XXXX. 

Equifax & XXXX lowered my credit score XXXX points FAILED to allow me time to make any payments. Please RESTORE the XXXX points removed because {$1400.00} is paid in full my XX/XX/XXXX, My payment date is XX/XX/XXXX Discrimination is deducting XXXX points from my credit score XXXX to XXXX in 11 days! The charge posted XX/XX/XXXX, XX/XX/XXXX points deleted Full amount paid {$1400.00} XXXX XXXX. 
RESTORE THE XXXX POINTS My payment is not due until XX/XX/XXXX, my credit cards are paid in FULL ( ATTACHED credit card paid in full XXXX XXXX {$1400.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
look i already know you will say you have helped me with the XXXX charge from rental car but i have not and for the fact i have not i will not be using my accounts any time soon any of them. i am tired of the one size fits all. bottom line after all these years if you cant refund XXXX bucks for thr ental car when it was filthy and i did call merchant and i will be contacting ceo then i cant use my accounts and will be using others. loyalty for loyalty and there is none here.the rental car charge i am upset oever. In addition my card ending XXXX i just charged a big charge on XXXX XXXX since that is when my statement closes. now i am being told it will close XXXX and that charge will likely be on it. i was not informed of this change and as such i will ask for any and all interest chargtes at the office of ceo. i was never informed and had i been based on my overall usage i would not have used that card for that amount on XXXX XXXX as i never do. please no scripts. between the 2 issues i am done with the bank for now. that said do not close my accounts just feedback for now. no loyalty then i cant give it. if you send a letter saying a cycle has changed you need to confirm the person gets it i did not and did not know and thus my activity. i am livid. 
rental car if i am not worth XXXX bucks to you to help me since i was wronged than i must take this into account when i choose cards to use. CAR was filthy and did not start many times i contacted merchant i cant chase anymore i can choose who i use though and never alamo again. HELP real help not scripts or telling me you already addressed this. i am so tired of the run around. no more loyalty here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NV
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:
a while back my house was broken into and they stole my personal belongings from my house such as id social security card, drivers license, birth certificate. since then I have been seeing numerous things come up on my credit report and I have not been the one opening the accounts. I have reported to the credit bureaus but small actions have been taking, i just found out about the cfpb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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

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 2019-05-01
Company: Municipal Collections Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted via phone and mail by MCSI collector on numerous dates for the past 3 months, I have asked them to stop calling me or risk a lawsuit by non-compliance. However, I have been receiving calls on a monthly basis.

Company response to consumer: Closed with explanation