BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-10
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: Account status incorrect

Complaint:
The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX XXXX 5 . XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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 few accounts on my credit file I have contacted the credit breau equifax I they are not trying to resolves this issue I have been fighting with them for a long time do to fraud on my credit I have placed a fraud alert and nothing is being done I even file a identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX {$1500.00} XXXX {$0.00} XXXX {$11000.00} XXXX C XXXX {$180.00}

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 2019-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX I created a acct with Equifax online for XXXX monthly to get my credit score. The purpose was to be able to see all 3 bureaus info and XXXX score ongoing. I was informed by the credit repair company that is working on my credit that they could not see all 3 bureau info or XXXX  scores. After Equifax have taken XXXX every month from XX/XX/XXXX to XX/XX/XXXX I called in on XX/XX/XXXX explaining to a customer service representative about what services I thought I was paying for I explained in detail what i needed. I realized that the representative didnt sound sure that he understood what I wanted so I requested to speak with a supervisor. A supervisor was then put on the phone and I spent time explaining in detail about what service I needed. Supervisor explained to me in detail what needed to be done. I was told that it would cost me XXXX one time to get what I needed from Equifax. Thats all 3 bureau reports for 30 days and because Im a customer already thats y I would only cost that this month. However every month after itll be XXXX when I end my monthly XXXX subscription. The supervisor took my payment of XXXX and told me that the XXXX was processed for the month already as well. Supervisor asked did I want him to delete the subscription then or did I wan na call back. I had already logged out and back in and saw everything I needed upgraded. I told Supervisor I saw my acct updated and everything looked great and he could delete old subscription if he wanted while I had him online. On XX/XX/XXXX around XXXX I logged n my account and nothing was there. I called n for a customer service rep. and a supervisor to say they couldnt help me after they see more than enough money was paid to them with no services provided at this time. They r thieves and I want my XXXX and my XXXX as of XX/XX/XXXX with no services at all from. Equifax. Bad service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA ended my Membership recently. Now I have a email saying I have a secure message. I can't access secure messages since I don't have a Membership. I've tried to call but PIN doesn't work. Without a PIN you can't reach live person, can't leave a message, no way to reach anyone. They won't reply through social media, emails are not replied to. I don't know what the message is about. It could be nothing, it could be important. I need to know how to read the message, how to Contact a live person. 
Thanks, XXXX usaa membership # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CONTRACT RESOLVE GROUP LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2018 I signed on with XXXX for a membership as I started up a Flower Shop ( XXXX XXXX XXXX XXXX XXXX in XXXX OH ). I signed a contract with them for the membership. What they fail to tell you is that you will be assent an exorbitant amount of fee 's monthly. You buy their products/flower containers, you purchase all the flowers for their wire orders and then you are charged on top of that a 27 % fee per order. They do not tell you this when signing on. They tell you you are going to make money. I now owe a very large flower bill that i am trying to pay down. The other thing is that they control the amount of wire orders you get and the dollar amount. They have put their fee 's so high ranging between {$1500.00} to {$1800.00} a month. Well if you are getting the necessary amount of wires, then you owe them money each month. They have since placed my account with a collection agency ( Contract Resolve Group LLC ) Since then my employee was told that they would place it on my personal credit and it would be destroyed. I was also sent an email from then now saying they have spoke to XXXX and they are now going to file a lawsuit if i don't pay it. I did over {$14000.00} in wire orders for XXXX and I received less than {$3000.00} back from them. This has caused me a huge financial hardship. I owed XXXX nearly each month and I was once again spending my money on their products and their flowers to fill their orders. Once again they control the amount of wires you get and the dollar amount. Their intent is you pay them and my intent was to make money with they. I asked repeatedly for help and they lowered my fee 's and I still owed them money. This business practice is Unfair and Deceptive. They should be fully investigated about their business practices and what they are doing to florists. This cant continue. As far as I am concerned they owe me money. The collection agency reps have been very nasty and hateful when they spoke with my employee and they discussed my debt with him. Please investigate XXXX and Contract Resolve Group LLC they cant say when they did to my employee, threaten to put this on my credit and sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Thrivepoint Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm recently financing 16 solar panels through Renovate America. 
According to their records they have me financing 20 solar panels. 

I only have 16 on my roof. 
I've asked for someone to come out and give an inspection, but the only response is we'll call you back. Its been 3 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/XXXX i purchased on XXXX 80 pieces of new wooden dance floor for {$15000.00} paid by chase debit card it said " Estimated delivery : Thu. XXXX. XXXX - XXXX XXXX. XXXX Order number : XXXX '' on XX/XX/XXXX we requested from XXXX to get a refund since the item wasn't delivered yet they had the seller contacting us but we told him we dont need it any more. 
on XX/XX/XXXX they decided to close the case because there was no more activity from us ( we were not aware of this rule ) the day after that we called them and to them we were suprised by that. they reopened the case and decided in our favor but oddly after 2 days they closed the case again so we went and opened a dispute claim with chase on XX/XX/XXXX and they reimbursed us on XX/XX/XXXX they asked for more documents before we had time to take action the closed the claim against us on XX/XX/XXXX we tried to call them and talk to them multiple times and they kept saying that they got document from the seller showing the item was shipped and refused to send us the documents and 2 weeks ago they finally promised they will mail the document that the decision is based on and we will have a chance to provide document to the contrary that we did not get the item ; but as of today we have not gotten them in the mail here are the facts : on my XXXX page this item is not stated as shipped the item was in fact relisted with a different item number and was still listed like that as of 2 weeks ago the seller will not be able to provide a tracking number oddly this seller who listed multiple items for years on XXXX has stopped all selling in the last week or so. 

i would greatly appreciate your help in this situation. 
thanks XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent letters XX/XX/2021 calling XXXX, XXXX and transunion out because of the outstanding violation and unknown items that happened on my credit report. Over 30 days have passed and i still have not received any response. I feel like i am being ignored of my disputes. Section 611 ( a ) states failure to investigate these items within 30 days gives immediately reason to delete all these items from my credit report. Because my dispute was sent more than 30days, they should delete promptly. I demand those accounts to be deleted as soon as possible or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach that happened and my information may have gotten in the wrong hands.

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 2017-11-16
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a XXXX XXXX debt. I had a XXXX XXXX account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago. 

XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with XXXX XXXX. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.

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 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX or XXXX, 2020, a " Hard Inquiry '' was made on my credit to XXXX  by Capital One Bank. I did not authorize any such request. I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). - I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact Capital One ( and had no luck getting any real answers or help/guidance ) - I have contacted XXXX, but have no luck getting any real answers or help/guidance ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
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: Their investigation did not fix an error on your report

Complaint:
I sent in my police report and my notarized affdavit to Experian. I called last month and talked to XXXX from the fraud department who asked me to send in my fraud package. after sending it to them they did not comply with anything and said they don't have to block the fraudulent account even after going to the XXXX XXXX  XXXX Police Dept and filing a police report in person. they sent me some generated letter saying if i want to block the fraudulent account to send it my Police report and affidavit that i have provided them. Today at exactly XXXX XXXX  i spoke to XXXX who said he was fraud department integrity team and completely said he won't do anything and he didn't care what XXXX told me and said he doesn't have to follow the FCRA rules. I told him i got some letter saying if i wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605B I told asked him to transfer me to a supervisor and he hung up on me. I have done everything in my power to fix this fraudulent information if this is not fixed my only option is to file a lawsuit

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 2019-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One Bank refused to refund a fraudulent repeating charges on my card ( {$25.00} charges evert month without my authorization. ) Plus Capital One Bank blocked online access to my account and transactions information on my credit card. An employee at customer service line hung up on me when I requested to transfer me to his supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have repeatedly asked for a validation of the amount which was reported to all credit agencies, but they keep sending me old statements from different periods from the previous creditor, each contain different amounts, one for {$21.00} and another for {$50.00}. The statements are not validation per se. They claim I owe {$240.00} which I do not believe I owe. I then asked for validation of the amount but all they send me are copies of past statements with different amounts, as stated above, amounts which I do believe I have paid off in the past. They need to prove how they came up with {$240.00} but have not been able to do so.

The collector and all credit agencies only respond to me by stating they have already answered my questions and will not respond anymore. I can not afford a lawyer at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: WELLS FARGO & COMPANY
State: TX
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 had a late payment on my wells fargo credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX branch on XX/XX/XXXX at XXXX pm and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying " I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from wells fargo to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''

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 2018-01-24
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 reached out to XXXX on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-12-02
Company: EQUIFAX, 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation