BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/XXXX, fraudulent charge for {$25.00} was placed on AMEX Department Stores ( Macy 's ) store card that had never been activated and I received a call that a fraudulent charge had been made. Charge, however, was still processed and I was charged late fees and reported to credit bureaus for non-payment while the charge was in dispute.
After several calls to the company, requested paperwork filed with credit card company and investigation was completed. I received a letter dated XX/XX/XXXX that indicated that all charges and fees had been removed and credit bureaus had been notified to update my report.
More than 90 days later, late payment for XX/XX/XXXX still shows on all three Bureau reports. Repeated calls to the credit card company have failed as they claim they have updated the bureaus fully. Requests for further investigation from the credit bureaus have resulted in the account still showing the late payment for that month. All sides refuse to take any further action while this fraudulent activity is still impacting my credit score.

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 2021-10-04
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:
On XX/XX/XXXX, I made a travel purchase in the amount of {$550.00}. Due to issues with the room, the manager at the hotel ( XXXX in XXXX XXXX ) reversed the charges and processed a refund for the total amount of the stay. *Please refer to email conversation attached. 

I called Capital One to see if they received the refund on their end and when I should expect the charges to be refunded to my account. The CSR I spoke with stated I needed to wait 2 billing cycles. This seemed abnormal to me. 

I logged into my Capital One account XX/XX/XXXX and noticed there was an additional charge in the amount of {$420.00} - I did not make this charge. I called Capital One to file a dispute on this charge. I was provided with Trip ID # XXXX and was told I would receive a call on Monday XX/XX/XXXX. No call was placed to me. I then placed an additional call to Capital One on Tuesday XX/XX/XXXX, where the new CSR I spoke with stated a dispute was never filed on my behalf. I asked to speak to a manager, which I was never transferred too. Instead I was transferred to the loyalty department, then to the travel department. 

I also sent an email to XXXX on XX/XX/XXXX, asking for manager assistance and explained that I had fraud on my account. No reply was given to me. 2nd email was placed on XX/XX/XXXX. 

4th attempt at settling this dispute was made on XX/XX/XXXX. I spoke with a rep, gave the trip ID number, but she stated that she could not see any travel made under my account. 45 minutes later, I am still on hold and this fraud is still unsettled.

*Documents attached are emails from manager at the hotel re : charge XXXX that is supposed to be reimbursed back to me. 
*Account statements w/ charges *Email proof to Capital One *Proof no travel was made under my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect Personal information.

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 2017-09-25
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received calls and letters from this collection agency threatening to take action against me if the debt in question is not paid by me. I have explained that this debt is not mine, that it is a result of identity theft and I have furnished the collection agency affidavits and other documentation in hopes that their collection efforts will cease. The last documentation I sent was sent to them via certified mail. This agency continues to harass me in attempts to collect a debt that is not owed. The credit reporting agencies have flagged my file with the appropriate documentation to reflect the identity theft fraud and so should the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: MO
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:
Mailed letters to XXXX, XXXX, and Equifax on XX/XX/2021 about these violations, inaccuracies, incorrect, errors, and inconsistent report on my credit profile. According to the FCRA the reports should be 100 % accurate and the accounts on my report are far from 100 % accurate. Also I have not received any letters in the mail about this matter in a timely matter and that is another Violation according to the FCRA. Something needs be done and they need to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2021, I sent a letter in regards to off base and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Section 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased promptly or I will petition for case because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2019-04-04
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already filed one complaint with CFPB and it was closed with out resolution by this company. they are now REFUSING TO PAY THE TAXES WITH MONEY IN MY ESCROW, due to the fact I paid them to prevent my wages from being garnished. This is beyond deplorable behavior for a mortgage company to take advantage of a consumer this way!!! They need to pay the taxes on the parcel second piece of property asap!! i will be contacting an attorney tomorrow by noon if this has not been addressed with an appropriate response. I consider it to be theft and will pursue until paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: EQUIFAX, INC.
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:
I believe that an old account I had with XXXX XXXX  XXXX XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX   XXXX XXXX has reported the account as a permanent charge off status, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX   has with each credit reporting agency respectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
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: Their investigation did not fix an error on your report

Complaint:
I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, TransUnion and XXXX. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to XXXX XXXX XXXX XXXX XXXX requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from XXXX XXXX XXXX has been removed from my credit report. The representative stated that XXXX XXXX XXXX contacted them to remove the collection from my credit report. I would like for XXXX and TransUnion to remove the collection {$4700.00} from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: TCF NATIONAL BANK
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:
I have requested copies of any and all contracts with the company and none have been produced to evidence that I have an account with the company and I never executed a contract with the company. The mail sent to the address listed on two bureaus is returned as undeliverable. The company reports on my credit report ALL of the following as the status of the alleged account : Closed - charge off but continues to report FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On another Bureau - the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt placed for collection & Skip as well as FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}. 

On the third bureau the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt These actions are all inconsistent with one another. I have attempted to investigate this company and it appears that it went out of business therefore the reporting can not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from, +XXXX ( XXXX ) XXXX today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was HSBC bank and they have no record of me on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX is not reporting my car loan through Ally financial. I have filed 4 disputes and each time they fix it the loan will reappear and then 30 days later it will fall off my credit history. The other credit reporting bureaus do not have this problem. I dont know what else I can do to help them to their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 2018-12-11
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a contract with XXXX after the contract ended I kept paying on a month to month for $ 25 month for a second line. I paid my bill and they tried to say I did not and charged me {$120.00} which was not on my month to month. I sent them the receipts and called them several times over the years I have disputed this bill each year and have told the collection companies what happened. I wish that someone can stop them I don't owe anything on this bill. I wish they stop selling it to all these different companies because they are not getting anymore money the bill was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: WA
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: Problem getting your free annual credit report

Complaint:
none of the three credit reporting companies at XXXX actually reports credit score - NONE! 
Experian is asking for a {$1.00} with {$25.00} per month unless I cancel service. XXXX claims they can not deliver report online, and XXXX does not display credit score either and is asking for some kind of subscription as well? 

What is the point of the free annual report again?

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 2021-07-06
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: Information belongs to someone else

Complaint:
Suddenly I saw an account that is not mine. I am victim of identity theft and therefore I am asking you to help me and figure out how it happened. I mean howcome this unknow item appeared in my credit profile. I ask you to make investigation and remove this item from my rpofile. 

Please check this account : XXXX  XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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:
I am a victim of identity theft, on XX/XX/XXXXI mailed an identity theft affidavit along with police report and supporting documents showing that accounts on TransUnion credit report are fraudulent and not associated with me. I also attached a letter outlining each account and requesting that they be blocked under FCRA 605 ( b ). On XX/XX/XXXX I contacted Transunion and spoke to a supervisor, I was informed that my identity theft affidavit and police reports were received by TransUnion onXX/XX/XXXX, however instead of blocking these accounts TransUnion sent each account for verification with the furnishers. I explained that I am a victim of identity theft and that I 'm not asking for verification of these accounts but requesting that they be blocked and removed due to identity theft ; I also stated that under FCRA 605 ( b ) the furnisher has nothing to do with identity theft exclusion and that they are willfully ignoring federal law. The TransUnion representative responded with " I do n't care this is how we do things ''. TransUnion is negligently reporting fraudulent accounts on my credit report and completely ignoring the fact that I have been affected by identity theft.

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 2021-03-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 believe there is a billing discrepancy I was billed for what I pumped as well as the prepaids - my card was charged twice for something I did not receive. 

For example : XX/XX/XXXX XXXX pumped {$25.00} worth of gas however I was charged {$51.00} ( {$50.00} was what I prepaid - including an additional {$1.00} for?? ) on my statement I was billed {$77.00} In addition, from my experience at XXXX XXXX XXXX XXXX gas stations, it seems as though they practice meter creeping because I got charged but my gas tank never filled up as I did not receive the gas from the pump. A lot of times, the pumps are out of gas.

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 2021-07-06
Company: Professional Collection Service Inc (GA)
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 at XXXX EST I received a call from XXXX. Not recognizing the phone number, I did not pick up my phone. There was a voicemail, but no one was speaking. It was a 9 second voicemail with no talking. A few minutes later, my father in law called me to tell me that XXXX with Professional Collections called looking for me about a debt I owe, and to call XXXX back. 
XXXX had no right to tell my father in law where she worked and why she was calling. She can only verify certain information, and that certainly wasnt it. They have broken the law.

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 2021-09-01
Company: EQUIFAX, INC.
State: SC
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:
This is NOT a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There is accounts on my report that have been deleted but reappeared, when call the bureau to tell the there are unauthorized, unverified inquires on my report in I want them deleted as soon as possible. There stating it's nothing they can do about that.

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