BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently had some negative information reported on my Transunion, XXXX   and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

Trans Union File Number : XXXX XXXX Report Number XXXX XXXX SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
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 These number do not belong to me!! 
( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached proof of my address in this complaint.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XXXX XXXX I sent trans union LLC a certified letter to Investigation request letter to investigate XXXX XXXX account number XXXX for 100 % accurate information if not deleted the account.How ever, this accounts is Still inaccurate.Date of last activity is different between TransUnion and XXXX, Date reported is different between TransUnion and XXXX, Closing Date is different TransUnion and XXXX and Payment Amounts is different between TransUnion and XXXX. I have provided proof with uploaded documents they have violated these laws as well 15 USC 1681 ( A ) XXXX15 USC 1681 ( A ) ( E ) .15USC 1681A ( XXXX ) and 15USC 1681 ( XXXX ) ( A ) ( I ) states After any reinvestigation under paragraph ( XXXX ) of any information dispute by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.TransUnion need to delete account immediately unless they want to be held for a XXXX 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Around 2 years ago XX/XX/2019 I applied for the Care Credit card for dental work needed. I was under the impression that it was interest free for 2 years according to the promotion. I typically get paper bills but never received one and emails from Care Credit were all promotional ads, I set up a monthly payment notice with XXXX  XXXX XXXX and paid the minimum due to loss of employment due to Covid19. I felt as if the 2 year period was up and called Care Credit to check my outstanding balance to find I have been charged over {$1300.00} in interest fees which is XXXX of the cost of the original dental work. I took a loan from another credit source to pay Care Credit in full {$3000.00}

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 monetary relief
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i applied for a car loan on XX/XX//18 and the company told me there was a fraud alert on my credit report Equifax, The date of birth was incorrect. i have called numerous times, they asked me to fax my birth certificate, SS card and drivers license to a given fax number, i did this over the course of the past 4 days and they said they do not have my information, i have faxed over 20 times. they will not let me scan to any certain individual or talk to the mail room where they say the faxes come in at, they can not tell me if they ever received it or they said it may have been illegible and they shredded it but no one can tell me anything and no one will help me make sure someone is receiving my faxes. they said they are in the XXXX and the fax is in XXXX, GA but there is no one in XXXX i can talk to so i can confirm my fax is getting there. This is very frustrating all i want is someone to confirm getting my fax and that everything is legible to be put into the system. 

thanks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 my purse along with my Bank of America debit and credit card was stolen. {$2000.00} was stolen off of the debit card via them adding the stolen card to there XXXX account and sending themselves or someone else the money. Bank of America received the claim and the police report of the items being stolen and still denied my claim twice saying they wont reopen it or reimburse my money.

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 monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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.

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 2022-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have identified info on my credit report to be inaccurate or identity theft. I have tried multiple times to get this information removed to no avail from the agencies involved. 

please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have identified info on my credit report to be inaccurate or identity theft. I have tried multiple times to get this information removed to no avail from the agencies involved. 

please see attachments

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 2021-09-14
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this debt. Company agreed to delete this account once paid yet it is still being reported on my credit as a paid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Have further question and complaint under spawned I got from Bank of America previous case number XXXX 1. Did Bank of America sold my Deed of mortgage and note to XXXX XXXX in XXXX.I need an answer yes or no 2. Did Bank of America sold my deed of mortgage and note to any organization outside XXXX XXXX 3. Did Bank of America owner of the note and the mortgage until it transfer the servicing right to XXXX 4. Did the DOJ declare my home as a toxic mortgage 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 2019-08-29
Company: Experian Information Solutions 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:
On XX/XX/19, I received a notice from Experian that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX XXXX  is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX XXXX   existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX XXXX  claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX XXXX  who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although Experian brought this to my attention, Experian, XXXX and XXXX are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX XXXX is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.

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 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 placed an order of two faucets on XXXX using the CapitalOne credit card. The seller only delivered one faucet, instead of two, and the only one delivered is heavily damaged. I filed a dispute with CapitalOne but CapitalOne sided with the merchant and declined to refund me ANY money. They decided that it's ok to charge me in full for the faucet that was never delivered, and that it's also ok to charge me in full for the heavily damaged faucet that was advertised as immaculate brand new product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted 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 2022-11-29
Company: EQUIFAX, INC.
State: FL
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX XXXX I made a payment to Kohls for {$170.00} I spoke to a representative, and she insured that she would take it from the card on file. I received email confirmation of the payment. A week later i received a noticed saying my payment was 30 days late resulting in my credit dropping XXXX points. 

I have been severly affected my XXXX by losing my child. I have submitted 4 disputes with the company, as well as with the credit bureau. I was refunded the late fees but they refused to report the item as not being 30 days late. I asked if a goodwill letter could be extended as a courtesy to remove the late payment due to employment reasons. I advised the supervisor of me relocating, and being affected with XXXX and losing a family member. He said since i tried to pay it then he cant do anything. The agent also stated there isn't anything he could do and disconnected the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MD
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 Dept of EducationXXXX 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 2022-11-29
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: ALLY FINANCIAL INC.
State: VA
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:
On XX/XX/XXXX ally financial made a credit inquiry on my credit report and obtained a copy of my credit report for an installment loan. 
I have not applied for any loans or any installment loans through ally. 
I will never apply for anything through this bank after having a bad experience years ago with them. I didnt have a loan it was just bad customer service for questions like 12 years Ago. 
So I did not authorize anyone or this bank to allow ally to have a copy of my credit report but they got a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Foreman Financial Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
foreman financial gave someone else a auto loan in my name on XXXX/XXXX/XXXX for the amount of {$19000.00} after I contacted ( XXXX ) which is the supervisor for the finance company he ran my credit once again knowing that I had already made a police report and also made a report to the federal trade commission for identity theft and two days later XXXX called my place of employment harassing me. and every time I called back to speak with him his staff XXXX XXXX XXXX XXXX would give me the run around and continued to hang up on me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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:
Experian is in XXXX  violations with credit reporting on my account. On XX/XX/2022 I filed an initial dispute on accounts XXXX XXXX  Bank Acct # XXXX, Open XXXX XXXX # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, and XXXX XXXX XXXX  Acct # XXXX. They only disputed XXXX XXXX XXXX and were in violation of 15 USC 1681i which states, Experian shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I provided them with evidence and theyve yet failed to properly conduct and provide evidence of such steps taken and still have account not updated with 100 % accuracy on status updates. Ive filed a complaint with the XXXX XXXX XXXX XXXX and am process of work with my lawyer to takes actions against Experian for violations. Evidence provided below

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transunion is reporting charge off/ and in collection account when if it is a charge off it is taxable income and credit report are not supposed to report income

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 2022-10-03
Company: Experian Information Solutions Inc.
State: MN
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:
Recently, I did an investigation on my credit report which caused severe XXXX in me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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