BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX ACCIUNT # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Payment History This account states that I was 30,60,90 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX ACCOUNT # XXXX Contact Information XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX This account states that I was 30 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.

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 2018-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquirer Name : Bank of America Inquiry Date : XX/XX/2017 I have never applied for Bank of America credit card or loan, my identity was stolen 14 years ago till this day they still try to apply for credit cards and loans they even tried to come get the mail from my house, please remove this inquiry from my XXXX   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 2021-01-20
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/2020 I turned in my vehicle lease number XXXX and at the same time I leased a new vehicle. In leasing the new vehicle I paid the first month lease payment. At some point I received a bill from KIA XXXX  in the amount of {$360.00} I called KIA Motors and inquired about the billing. I was told that there was excessive wear on my tiers and I didn't tern in one of my keys. As part of the initial lease, I had purchased insurance which was added to my lease payment every month. I let them about the insurance. I thought the issue was resolved. 
I then get another billing in the same amount, this time they claim that I missed a payment.I requested that they provide me with a specific month that I missed. They were never able to establish the specific month. They then reported a delinquency to the credit companies badly damaging my credit standing. As a result even though they still didn't provide me a specific month that I missed a payment I submitted a payment to the collection agency they had referred the situation to. I am seeking the repayment of {$360.00} which was paid on XX/XX/2020. I essence KIA XXXX has charged me payments on a car that I nolonger had access to. I am also seeking that my credit record be corrected.

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 2021-04-11
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/2020, I received an email from XXXX  XXXX XXXX, XXXX  XXXX  that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the XXXX, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to XXXX  XXXX   about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, XXXX responded to my complaint but it had some inconsistencies with the my statements and dates. XXXX  has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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: Investigation took more than 30 days

Complaint:
i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting Transunion is reporting a balance of {$13000.00}, XXXX is reporting {$13000.00}, and XXXX {$13000.00} Transunion is reporting a past due of {$13000.00} XXXX is reporting {$13000.00}, and XXXX {$13000.00} Transunion is reporting a high credit of {$9800.00} XXXX is reporting {$9800.00}, and XXXX {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation

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 2018-02-07
Company: Merchants and Professional Bureau, Inc.
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:
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I. I have attached a copy of the police report to this dispute. I have never visited this doctor or received any services from this doctor 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: VA
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 appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX OF XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/2020, I received an email from XXXX  XXXX XXXX, Total Visa that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the Total, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to Total Visa about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, Total responded to my complaint but it had some inconsistencies with the my statements and dates. TOTAL has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP.

I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING 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 explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have disputed these account Due to these accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am victim of identity theft and did not make these charges whatsoever. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : 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 2021-08-17
Company: CITIBANK, N.A.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have various charges to my credit report that are not mine. I never opened these 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 non-monetary relief
Consumer complaint received 2021-08-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a business checking and savings account with Chase Bank NA since the early 2000 's. I recently was in process of moving over my accounts from other banks into Chase and encountered several problems regarding verifying my account. After a few months, this seem to have been resolved. When I made my federal and state tax payments, Chase froze my accounts and rejected my payments without notifying me or my private banker. This is further unacceptable as my banker was on the lookout for these payments and not told anything as well. This caused the IRS and Colorado Department of Revenue to levy huge fines and late fees. When I told Chase, they conducted an " investigation '' in which they found themselves innocent. I asked them details on the investigation and they said they are unable to provide these. They never did apologize or show any type of remorse. More of a tough luck ... we are Chase so deal with it attitude. Chase used to be a wonderful bank but is falling downhill quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: WELLS FARGO & COMPANY
State: TX
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 am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

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 2020-07-03
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Payments/credits in excess of my interest-savings balance are not being allocated correctly on my XXXX, 2020 Amazon XXXX Visa statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Lexington Law has been fraudulently sending out disputes to my lenders without my consent. I am not enrolled with them. I cancelled within 3 days and they not only tried billing me a month later, i have come to find out they have been disputing items on my credit report without my authorization. This is not right. I am submitting a copy of the letter i received from a lender of mine from the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have recieved our monthly statement on XX/XX/XXXX and noticed that there was an extra payment on there that was not made by my husband or myself. I called Citizens One Auto Finance to figure out what happened and why there was an extra payment. When talking to customer service, they informed me that the payment made was on XX/XX/XXXXonline and the card was saved to the account. At this point I asked to speak to a supervisor because I did not approve this payment. The supervisor had helped remove the card while I was on the phone with her. I had asked her what name was on the card and she informed me that it was in my name and appeared to be a debit card. While visiting with her, I had asked for the information on the card ( bank information and the rest of the card number, expiration date ) they would not give me the information because they do not have it. That was the end of the call on this date. I called back the next day and spoke with customer service supervisor again and they had already started doing the reversal payment on the card ending in XXXX ( which I am not the card holder on, nor do I have the card ). I had explained to them that I have the right to this information, especially with the card being in my name and trying to figure out if it is identity theft. I told the supervisor that the only people that have my account information should be my husband, myself and their bank. To make an online payment you need to have the following information : account number and the last 4 of your social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21, Peroutka, Miller Klima & Peters, P.A. filed a lawsuit against me and the case was voluntary dismissed on XX/XX/21 by Klima , Peters & Daly , P.A . 

A voluntarily dismissal is admittance of wrong doing and as such, I submitted two invoices ( attached ) demanding legal remedy for federal protected consumer rights violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One is refusing to give me my money. $ XXXX check for XXXX XXXX  . 
I went to the bank and deposited a stimulus check with my brother 's name with Valid ID and VALID POA and the bank took a copy of my ID and made a copy of my POA I was told by a Manager of Capital One to go to the branch and that I can only deposit but Not cash the check.. I did that. Capital One then put a hold on All of my accounts and frozen all of my money.. I had to fuss with them to release my money .. I've never done any fraud with banking accounts. By Capital One holding my money it has caused me to be in a hardship and I've been ill lately and i need those funds. I have told Everyone how i've had Capital One and no issues Until Now .. While in the lobby @ the XXXX location I informed this is the normal for I want the bank to give me my money ASAP. $ and a forma l apology. Capital One. They could have denied my check now they are refusing to give me the check or my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2021-04-11
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call about two weeks ago from this company. I didnt receive anything else and this was also my first communication I have gotten. They stated that they were attempting to collect a debt, and I did not know what debt they were talking about. They said I owed {$51.00}, and I was willing to pay online, the woman on the phone said that she would walk me through paying online instead of providing me the web address. I said that I couldnt stay on the phone long because I was at work and asked if she could call the next day. We agreed on XXXX the following day. She never called. On XX/XX/2021, I get a notice in the mail, stating it was collecting a debt. On XX/XX/2021, the notice was sent and on same day, they flagged my account for collections. I never got proper notice, and never got a callback number or email address or web address to contact. I didnt even know HOW to pay the debt let alone know its legitimacy and what the debt was in regards to. They only called me one time and sent one notice, all within the last two weeks. To date, this account is paid in full - despite the lack of communication and proof of legitimacy on their behalf.

Company response to consumer: Closed with non-monetary relief