BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
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:
According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney

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 2022-07-19
Company: Experian Information Solutions Inc.
State: MO
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 have called Experian multiple times since XX/XX/2022 trying to get XXXX XXXX deleted from my report. I have also filed multiple disputes and they always come back certified as accurate. This last time on XX/XX/2022 ; I uploaded documents XXXX sent me which do not show that I have a legal obligation to pay this debt. It is not mine. They also did not provide all information they stated they had. Including a copy of my alleged drivers license that was used to secure the lease. I have received nothing showing i am responsible. Experian is giving me results within hours ( not even the full 30 days ), saying its valid. I do not feel they are properly investigating this dispute. XXXX and XXXX have both deleted it. I would also like the results of all of Experians investigations.

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 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I tried to pay down my mortgage from my XXXX XXXX account for the amount of {$19000.00}. Account had more than enough cash at that point to pay the payment, however, XXXX XXXX declined the transaction and issued a {$30.00} fee on the account. Then I waited couple weeks for second attempt to pay the same {$19000.00} on XX/XX/2022, and the exact same thing happened ( and again the account did have at least {$27000.00} in cash that should more than cover the withdrawal ). Now they have charged me total of {$60.00} of fees and the withdrawal remains unsuccessful.

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 2018-05-18
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I am responding to your letter regarding the unauthorized use on my credit card from XXXX XXXX. I have contacted XXXX XXXX on multiple occasions and have only been informed that an order was created on XX/XX/XXXX @ XXXX that contained e gift cards. On multiple calls, the representatives indicated that e gift cards are sent out systematically 2-4 hours after purchase. They could only see the email address on file, but could not confirm the email delivery address. Two representatives even informed me that the original email was not sent out as the order contained a ship to store item. XXXX XXXX did agree to resend a new email on XX/XX/XXXX with the e gift cards and XXXX was able to confirm they were already redeemed by another user account. I absolutely did not benefit from this transaction as you indicated in response to me. I am demanding that this {$100.00} charge to my account be removed as I did not make, authorize or receive anything from XXXX XXXX. My understanding is that there is a 100 % guarantee of assurance that unauthorized charges made on account would not be my responsibility. I have reported this to my local authorities and have enclosed the police report. I hope that XXXX XXXX, Chase and the local authorities can identify who benefitted from this transaction, as XXXX has the information but is unable to release the information to me. I am available to discuss any details regarding this case as I do not want to continue to be the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As I was about to do a home search, I noticed that my credit score had decreased by XXXX points. I had contacted all the consumer credit Bureaus ( Experian, XXXX, XXXX ) about the misleading information and inaccurate data.The creditor had reported my loan as delinquent when in fact I got an evidenciary letter prior to the negative notation indicating that my loan was under forbearance contrary to the negative reporting. The letter was submitted to the agencies as evidentiary exhibits. 

I had decided to pay off the loan to avoid further confusion and economic damage with the consumer credit agencies, however they refuse to correct and remove the delinquency which was entered based on the misleading information. 
The agencies and the creditors should take responsibility of their data to assure maximum accuracy. 

Despite of my reasonable payment history, my credit score keeps going down and my depleted score had affected me economically and prevented me from pursuing my home search. The misleading information had created harm and frustration constantly in my business dealings. 

It appears to me that there's a discrepancy between payments history and credit score, I have found that the agencies are reporting credit score callously and not reflecting the hard work that consumers place in maintaining an excellent credit score. These agencies are running as " XXXX XXXX XXXXXXXX ' '' with liberal authority.

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 2019-11-26
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 










-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account.

-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
State: PR
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:
Regarding my last complaint # XXXX against EQUIFAX .The company continues to report inaccurate information in my credit report that does not finally DELETE XXXX from my EQUIFAX credit report. They removed that account from my report but put it back again ( see attached copy from XXXX XXXX site ) Clearly it is seen that they are not seriously checking the information to finally delete the XXXX account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MA
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:
In spite of absolutely NO negative activity on my credit reports and maintaining excellent repayment of my debts, I found my credit scores on XXXX and Equifax dropped from approximately XXXX to XXXX for XXXX and XXXX for Equifax with no explination available. I have looked through all the factors impacting my credit on the websites and found no reason for this negative action on their behalf. 
I started this year with incredibly expensive dental bills totalling {$10000.00} that I put on credit and have been paying. This should not be an indicator that I'm no longer a good risk when I have been paying in good faith! In fact, XXXX decided that I'm so responsible that they recently raised my limit from {$17000.00} to {$22000.00}. 
XXXX is still showing a XXXX credit score as of XX/XX/2022 with a FICO score XXXX of XXXX. 
I have no way through their websites to request an investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: ZWICKER & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I contacted zwicker and associates to resolve a debt I had with an old XXXX card. It was agreed that I would make XXXX payments of {$1000.00} every month, starting XX/XX/XXXX. However, zwicker and associates stated that their system only allows 12 months of automatic payments and I would have to call back in XX/XX/XXXX to set up last XXXX payments. I attempted to contact the same representative twice on XX/XX/XXXX and was told that she was not available. In XXXX I spoke with another representative who stated that its impossible to find that original representative because of the way their phone system is made so she offered to help me set up the XXXX remaining payments. I told her that since its now XXXX, can the final payments be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She said yes, she set up the plan and transferred to Support who would take my bank information. Once I was transferred, Support said that what he has on file is XXXX payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told him that this was not the arrangement made. He said that he would transfer me back to the representative however after several minutes he said that he could not locate her and transferred me to another person. This new person said something completely different. She said that I couldnt make XXXX payments starting XX/XX/XXXX. She said my final payment could not be XX/XX/XXXX. She said that I had to make XXXX payments in XXXX and the final XX/XX/XXXX. I asked why when the previous person said I could. She said that in her computer system she does not see the payment arrangement made by the previous representative and that the previous representative only put down that I missed a payment. Both of these representatives are lying. The payments arrangement had to be in the computer because when the previous representative transferred me to Support that representative had it in his computer system. Why did it all of a sudden disappear from the computer system. Further, I told the representative that I am aware that phone calls are recorded. That her manager could go back and listen the call. But she was pushy and insistent that I needed to make a payment. So I only agreed on the XX/XX/XXXX payment and said I would call back and I also said I wanted to file a complaint and a resolution. She said a resolution could not be met.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: DE
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal account : XXXX You guys took all the money from my account. I have contacted my lawyer and we will sue you guys. You guys will lose more in court that refunding all my money back. I need my money back immediately. I waited the 180 days and 2 days before the 180 days you guys took all the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I paid the balance in full on a Capitol One Credit Card prior to the closing date of the account of XX/XX/2022. Capitol One did not post the payments on the account prior to the statement closing date of XX/XX/2022. Capitol One did post charges against the account on XX/XX/2022 which was AFTER it received my payments but before the closing date of XX/XX/2022. Essentially, Capitol One posts charges but not payments. They charged me a late fee and interest even thought they had my payment. When I called, I spoke with a person identified as " XXXX '' - but he refused to give me his last name or other information even though I made multiple requests for it. I told him that I did not believe that his name was just " XXXX '' with no last name and that he was lying to me. He said he did not have to give me his name because it was company policy not to have representatives identify themselves. Basically- it is Capitol One 's policy for the representatives to lie to consumers. It is theft for Capitol One to take my money, not post the payments on the account, but post additional payments to merchants after not posting my payments, and then charge me interest and fees. " XXXX '' tried to talk me into having " Auto-Pay '' set-up on my account. I think the entire thing is a scam so that people set-up Auto-Pay. I do not want Auto-Pay on my account and should not be forced into Auto-Pay. This business should be illegal. They should not be charging me fees and interests because they do not post my payments to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18
Company: BB&T CORPORATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I closed on a HELOC with BB & T in the amount of {$340000.00}. My intent was to sell the house against which the HELOC was taken within the year. The loan officer at the local BB & T bank was well aware of our intent to sell the house as quickly as we could as we were moving out of the area by the summer. BB & T advertises " no closing costs '' for their HELOC loans which is what attracted us to their bank, along with the low introductory rate being offered. Closing on the loan went off without any problems and I made the required payments up until we sold the house on XX/XX/XXXX. The payoff on the HELOC seemed higher than I expected and when I checked into it, discovered that we were being charged {$3600.00} for closing costs. When I called BB & T to ask why they had deducted that amount, I was told that because we paid off the loan within 3 years, the closing costs were being charged. I was shocked to learn that since they advertised " no closing costs '' and the loan officer never indicated to me during the loan process that these costs would have to be paid if we paid off the loan within 3 years. I will acknowledge that when I checked the contract, it does state that closing costs would have to be paid if the loan was paid within 3 years, but that doesn't excuse the deceptive advertising being conducted by BB & T. When you approach any one of their branch offices, their advertising does NOT caveat or provide an asterisked notation that closing costs would have to be paid if the loan is paid off in 3 years. When I called the loan officer to address this with her, she claims she did in fact advise me of this. I will swear under oath that she did not as I would have looked for another lender knowing that I would be selling the house within 3 years. BB & T 's advertising is deceptive and I want my {$3600.00} back.

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 2022-07-19
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: Information belongs to someone else

Complaint:
XX/XX/2022 I sent a written letter requesting documentation to prove that these accounts belong to me. I requested to see contracts, my signature etc. I also sent a letter with inquiries that did not belong to me. I did not receive a response. 

On XX/XX/2022 I disputed information that was not correct on my credit report. Everything is still there. 

It is illegal to report inaccurate things.

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 2022-07-19
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
The following charges, totaling {$280.00}, showed up on my Barclays XXXX XXXX XXXX statement which I did not make or authorize. I reported these fraudulent charges to Barclays in late XX/XX/XXXX and followed-up more than once in early XX/XX/XXXX, but they have not removed them and they are still showing up on my balance due. The issue seems to be related to the fact that Barclay 's recently took over my credit card from XXXX XXXX. One person I spoke with at Barclays told me I should call XXXX, but when I tried calling XXXX, an automated recording directed me to call Barclays : XX/XX/XXXX - XXXX XXXX XXXX - {$20.00} XX/XX/XXXX - XXXX XXXX - {$47.00} XX/XX/XXXX - XXXX - {$17.00} XX/XX/XXXX - XXXX - {$12.00} XX/XX/XXXX - XXXX - {$50.00} XX/XX/XXXX - XXXX - {$7.00} XX/XX/XXXX - XXXX  - {$23.00} XX/XX/XXXX - XXXX - {$1.00} XX/XX/XXXX - XXXX - {$35.00} XX/XX/XXXX - XXXX - {$1.00} XX/XX/XXXX - XXXX - {$59.00} XX/XX/XXXX - XXXX - {$9.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: Security Credit Services, LLC
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:
On or around XX/XX/XXXX  l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.

Company response to consumer: Closed with explanation