BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NJ
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, 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 tried to cancel my subscription but there is not one centralized number. I was directed to some XXXX people not in our country. I gave them my member number and they wanted my full social, full date of birth, credit card number. That is NOT secure and all that info should not be required to cancel my subscription! I had to cancel through my bank. This seems like a phishing scam. I should be able to cancel through my account online and they do not let you. I canceled my bank card to try to cancel and they were able to get into my bank account even though I haven't even received my new card yet. This need to be resolved 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 explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  # 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 non-monetary relief
Consumer complaint received 2022-11-22
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:
XXXX XXXX, this item is fraudulent. I never signed any physical or electronic agreement with there institution for a loan. I have written to them and transunionn credit bureau. I have provided sufficient documentation showing the acct id fraud. However, my words seem to fall upon deaf ears. I need this fraud acct to deleted most expeditiously from my credit report please.

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 2018-12-22
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 attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX  - XXXX  XXXX   - XXXX - XXXX  XXXX  - XXXX XXXX - XXXX XXXX - XXXX  XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was informed on several occasions that my account was restricted and that I was unable to make a payment until it was resolved however, in the meantime the Capital One continues to report to the credit reporting agency of missed payments when actually I have tried to make payments several times in the last 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Both my husband received a voicemail claiming to be Capital One XXXX XXXX XXXX saying that there were calling to report a fraudulent account opened in this name. They referenced these account numbers : XXXXXXXX XXXX XXXXXXXX. The call back number given was XXXX where the Live Customer Service Line listed on the Capital One website is XXXX. My XXXX XXXX XXXX, where I have XXXX accounts, alerted me to the fact that someone completed an application in my name at Capital One and XXXX XXXX. XXXX is in the process of disputing these applications. When I contacted Capital One, they denied there is an application. XXXX XXXX confirmed there is an application and denied it and referred it to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
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:
Hello, My name is XXXX XXXX have tried disputing this issue with XXXX XXXX and their creditores but they said I must contact cfpb and the credit reporting coompanies. There is a collections for XXXX. XXXX XXXX. I already reported a police report. 
The account number is XXXX it says it was for {$870.00}

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 2018-12-22
Company: FIRST HORIZON BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an unauthorized transaction went into my account. The bank was XXXX XXXX XXXX   used a card that was closed out to push their transaction threw.it was for XXXX and left my account in the negative. All the bank could tell me is that because I owed the bill they let it go threw. They also let some other transaction for threw. So I think this is illegal transaction especially when the card they used was closed and I have an voicemail telling me they backdoor it to push it threw. XXXX has been trying to get it since XXXX and the bank denied all this time. Except this time why they let it go threw this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. They have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: Experian Information Solutions 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 filed a dispute for accounts that does not belong to me XX/XX/2012 for accounts from XXXX XXXX and XXXX XXXX XXXX which does not belong to me they have not responded and its been over 31 days.

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 2017-12-14
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:
I have credit inquiries from Equifax and XXXX that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud. 
1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a capital one credit card. One of the promotional benefits of the card is the capital one shopping portal. When purchases are made via this app, reward credits are given based on the merchants specific rewards amount on that day. My rewards have been a challenge to receive and some have had to be entered manually. The problem is now the rewards are posted ( plus some additional manually added ones that I have from an email that will not show up on the posted reward page ) but the numbers are not adding up to give me the correctly owed. I have called and emailed many times. I never get anywhere because they do not offer phone customer support and I spend hours on the phone trying to resolve with lower level employees who in the end can not help because they do not have access to see my rewards. I get non responsive emails apologizing that there is no phone support but do not address my problem. I am very frustrated at the inability to get any customer support. I am hoping you can help. I have very clear documentation to support my claim.

According to my calculations : I should have {$150.00} available in my shopping rewards ( the {$94.00} listed as credited in the shopping rewards column plus the manually added rewards from the email of {$13.00} ) plus the {$50.00} extra I was given. I do have {$93.00} pending as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a complaint to Experian with regards to an accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Experian with regards to this account. Please remove the following account from my credit file : XXXX XXXX XXXX XXXX - Opened XX/XX/2011 XX/XX/2011

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 2020-11-01
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As part of COVID-19, I was qualified for mortgage forbearance plan starting XX/XX/XXXX with USBANK. I ended my forbearance plan XX/XX/XXXX by submitting the online process thru US bank. I understood that mortgage rate was going down and wanted to refinance around XX/XX/XXXX. I planned to be out of forbearance plan and put my account current for 3 months to be able to qualify for refinance. 

When I was filled out the application to be out of forbearance plan, I was told that it may take couple weeks to put your account current. I haven't heared back from USBank then I decided to call them. I called them multiple time and everytime they told me we have a lot of applications and the process may take more than expected. 

Later I got a letter telling me that your contact person at USBank is XXXX XXXX with call number XXXX XXXX. I called this number at least 30 times so far but everytime I am redirected to another representetive. I had no chance to talk to this person ever beside eveytime I need to start explaining what was going on in last couple months to the new representetive. 

After so many tried, on XX/XX/XXXX, they told me we need to start the process again. From that time to now that is XXXX XXXX, XXXX I have called them every week and every time they told me it is in process but nothing happened. 

I ended up missing the big oppurtunity of low rate refinancing during XXXX XXXX and still no clarification of what is going on with US bank. 

Now it is has been 8 months from first time I requested to put my account to current and still no sign of progress. 

I appriciate your help to make USBank responsible for default and delay and lack of coordination in their internal system. This process is making mental and financial impact to me and my family. 

Attached is two documents showing the status my application in XX/XX/XXXX, and XX/XX/XXXX. 

Thanks, 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Mortgage Acct # 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 non-monetary relief
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: AL
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:
I am writing to dispute an account that was created fraudulent. I have disputed XXXX XXXX and Experian continues to just update and drop my score every time. The company has hired an attorney and has sent them a contract that does not belong to me. 

The contracted stated I put {$2000.00} down and that is incorrect. The car lot required me to put down {$1200.00}. I gave them {$600.00} and the balance of {$600.00} was due when they finished repairing the car. Upon repairing the car then I would get the official contract to get ownership to the vehicle. 

I request that you remove the fraudulent account that was created to make a sale and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details Experian responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.

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 2021-07-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My phone and wallet were stolen and used in the same city I was visiting at the time. In XXXX XXXX I reported the theft and unauthorized charges right away to Chase Bank. Despite the timely report, Chase ruled that the unauthorized charges were legitimate and the funds were withdrawn. Chase stated that I needed to provide evidence but despite giving the police report, they still ruled against me stating the charges were legitimate. Police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: AZ
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:
To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter XXXX. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX-XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: WA
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 've tried to put a security freeze with Equifax online for the past week. The system tells me it ca n't process my request online and asks me to send in IN THE MAIL the information I have just typed in the form online : " Additional Information Required We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. 
For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. Jr., Sr., etc. ), complete address, Social Security number and date of birth. '' I refuse to send such personal information in the mail to Equifax. It just does n't make any sense. I have called their customer service and someone who was not able to help me took down my information and said someone would be calling within 48h. I have not heard from anyone. 
I do n't understand why it was so easy to place a security freeze online with XXXX  and XXXX, and it 's such a hassle with Equifax especially given that it 's their fault we have to deal with all this right now.

Company response to consumer: Closed with explanation