BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30days investigation by sending them letter instead of properly validating or removing the account on my file.

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 2021-05-01
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an collections from Online Collection Services appear on my report XX/XX/2021 stating that I had an utility bill of {$1700.00} out of no where. I have never had an utility bills other than a cell phone bill no cable gas or electric bills. This is a fraudulent account that does not belong to me being reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On Sunday XX/XX/22 at around XXXX CST, I made my Capital One payment online for my credit card ending in XXXX. When I tried to submit the payment, Capital One 's system, grayed out the XX/XX/22 date and pushed my payment to Monday XX/XX/22- where it showed : " Late '' in red and causing me to incur their {$29.00} Past Due Fee. I called Capital One 's customer service number immediately to request a fee waiver and was told by a XXXX  XXXX, to call back on Tuesday XX/XX/22, when their system updates and posts my payment along with the Past Due Fee. I asked the rep. " if your systems do not update until Tuesday, why would it require my payment to post by a particular EST time on Sunday and then force my XXXX payment to post late XXXX? '' The rep. did not have an answer to my question except to read his script stating that my monthly statement says I must pay by a certain - EST time in order for it to be credited on the due date. 
I called Capital One this evening - XX/XX/22 and spoke with a customer service rep. who reviewed my account. She then apologized and stated she can not waive the {$29.00} Past Due Fee. She was also unable to give me a straight answer as to why she could not waive the late fee. I then asked to speak with her manager or a supervisor. 
Manager - XXXX ( ID # XXXX ) provided a little more insight. XXXX reviewed my account and said that I do not have any " offers '' on my account in order for her to waive the {$29.00} Past Due Fee. I asked XXXX if I've had any courtesy late fee waivers in the last 12 months and she said " no ''. She reiterated that I must have " offers '' on my account in order to qualify for a late fee waiver. I'm about a 20+ year Capital One customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: HI
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:
Hi, I am personally reaching out to you that there are inaccurate filings on my credit report. In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Names, and Account # 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 XXXXXXXX All these account have violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than even years.

15 U.S.c. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate.

This inaccurate information is preventing me from the ability to attaining new credit cards, or a car loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2018-05-23
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2017 UNKNOWN INQUIRY

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 2018-07-26
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report today, XX/XX/2018 and noticed that the XXXX XXXX   account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX XXXX credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX XXXX for payment.

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 2022-10-05
Company: Rocket Mortgage, LLC
State: MS
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 spoke with a gentleman who is a lender for Rocket Mortgage. 
I explained my auto him and after speaking he advised me to wait a few more months before applying for a mortgage. 
I never authorized a hard pull on my credit by Rocket Mortgage at that time and they pulled it anyways after advising me not to apply and sent me a denial letter for a mortgage I never applied for. 
They told me there was nothing they could do to reverse a hard pull and did not care at all that this affected my credit score. 
Ive also had unauthorized hard pulls from an auto finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unauthorized transaction of XXXX $ USD tried to get it canceled they told me to wait until its posted. It posted on my account and i filed a claim and it was denied tried multiple times to have this appealed nothing but a run around regarding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX XXXX  Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. 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 without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need 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

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 2019-10-07
Company: Experian Information Solutions Inc.
State: NY
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:
This company with my identity theft report for fraud refuses to delete fraudulent information they say they cant dispute inquiries this is ridiculous when Im the last with my police report they would send me a letter of deletion and now they give me a hard time and refuse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date account was opened- XXXX / Date debt was reported XXXX Date account was closed XXXX amount due : {$2000.00}. 
Barclays bank has reported this information on my credit report as an unpaid balance but I am only listed as an authorized user- when calling and asking to be removed they informed me that they only was to be removed to write a letter and mail it 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 2018-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Capital One and they no longer have record of the debt. They even sent a letter asking me to give them information on my account. 

Spoke with XXXX at ( XXXX ) XXXXand she says that the company no longer has my accounts and can't give me any more information or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) with the account number XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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: Account status incorrect

Complaint:
This is a very simple complaint. I disputed an account with the three major credit bureaus that was incorrect. XXXX XXXX XXXX  XXXX. I did so on XX/XX/19. It was incorrectly reporting me as 30 days late. XXXX and XXXX XXXX corrected the information almost immediately. Equifax did not. They claimed the 30 day late payment was verified. 

I then re-submitted another dispute on XX/XX/19 to Equifax for the same reason. That dispute came back as the account being verified as well. Because Equifax is refusing to correct the late payment, my credit is being jeopardized and preventing me from obtaining credit since the late payment is within the last 6 months. 

I need Equifax to correct the late payment on XXXX XXXX XXXX XXXX. The other 2 bureaus corrected it as it was unverifiable or incorrect so why is Equifax claiming it is legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I contacted the Navient in XXXX to renew my payment reduction plan, I was told it lasted for 6 months. At this time, the representative advised me that this would be my last opportunity for payment assistance because my payment with the assistance is too close to the normal payment. And when it gets within {$50.00} of the normal payment, I will no longer qualify for assistance. The payment reduction plan payments have gradually increased, I asked if it was based on income and was told that income is not a factor in determining if someone qualifies for assistance. It seems this program is designed to force people into paying the maximum amount regardless of hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2017-12-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, About 1 month ago, XXXX 2017, I opened a credit card through XXXX credit services, which they promote ad nauseum on their website. When you activate the card the system asks you if you want future XXXX purchases funded with the credit card, or if you 'd like to keep your regular payment method as the preferred method of payment. I chose NOT to have the new credit to be used as a payment method. I then checked my settings to be sure that my credit card would not be used as the payment method. 

When I made my next XXXX purchase the payment went directly to the credit card. I checked my settings again and they were set to have my bank account as my payment method. I made another purchase through XXXX and it went onto the card again, and then a third time. 

I contacted XXXX and they basically said they must have made a mistake, but there was no way to change the purchase method, it was too late! I then canceled the credit card and my regular XXXX account and told them to send me the bill for the balance on the credit card. They have not sent a bill. I have tried to speak with them on several occasions, simply to pay my bill but they say my account has been closed and they are n't able to see anything in my account. I have asked for a bill over and over again and on several occasions, they have hung up on me or transferred to an automated phone system. This has happened many times. 

I opened the credit account in order to build a credit history and had planned on using it very judiciously, now my credit report states that I have opened too many accounts then closed them. This is fraud. What can I do? There are no email addresses or other phone numbers to use to contact XXXX. I fear my credit is suffering through no fault of my own. 

Thank you for any help you can provide,

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