BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
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:
I sent this letter with payment to Capital One. 

I have been with you for over 20 years and will be cancelling my credit card due to fraud on your part. I called Capital One many times to resolve this concern to no avail. I have also called the renters insurance company who states two payment have been sent in to Capital One on this matter per the transaction in question on XX/XX/2019. 
I contacted renters insurance on XXXX XXXX, 2019 for insurance and called them on XX/XX/2019 to cancel this insurance as my unit was not available as promised. I spoke to XXXX on XX/XX/2019 with the renter insurance and submitted this request online via email from their website as well. 
On my credit card statement for XXXX there is a transaction recharge for {$290.00}. I spoke to XXXX on XXXX XXXX, 2019 who confirmed with # XXXX that this was resolved. I am being harassed continuously for funds not owed by me. I have been a long standing customer and my time is money which you are taking a lot of at this issue to the point I feel retribution of sort should be refunded to me on this matter. 
There should not be two or three payments to Capital One for one transaction. This is unwarranted. 
XX/XX/XXXX 2019- XXXX XXXX XXXX XXXX {$290.00} ( company returned payment ) XXXX XXXX, 2019 - PURCHASE ADJUSTMENT Insurance ... XXXX - {$290.00} ( charge reversed ) XXXX XXXX, 2019 XXXX XXXX XXXX XXXX - {$290.00} ( charge ) No need for me to make an additional payment for something I never received a service nor goods to pay for ... 

Allowing he credit card institution two payments for nothing. Stealing from a consumer is unethical and will be reported to the appropriate officials. I will not hesitate to pursue legal claims sueing on this discrepancy due to this unreasonable payment you are demanding. 
Per supervisor : XXXX # XXXX My statement for XXXX XXXX, 2019 is accurate. 
Not with the charge of {$290.00} for the XXXX XXXX, 2019 rebill charge. Past charge reversals and payments reimbursements have never been handle this way previously. I dont owe this money and will not pay for something I never received and that you were paid for already. 

I spoke to three other customer service representatives who agreed with me and then after speaking with another department stated that I would need to pay this balance. This makes no sense. 

I was forced to pay an additional {$290.00} with no service or product provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like my fraud alerts removed 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 non-monetary relief
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: NC
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:
Ive contacted regional acceptance in writing explaining that the auto loan account was fraudulent on XX/XX/XXXX they wrote me back stating all identification and related documents matches the ID information on file which was not correct. During this transaction with XX/XX/XXXXthat was done in XXXX I was a tenant at XXXX XXXX XXXX XXXX NC XXXX. The addressXX/XX/XXXX XX/XX/XXXX had on file was XXXX XXXX XXXX XXXX NC XXXX ... Thats the address the used when financing was granted. I have contacted the credit bureau Agencies XX/XX/XXXXand Equifax to remove this Account from my credit file at the Earliest Possible Time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with Franklin collection. I am not liable for this collection due to not having a signed contract with Franklin collection. I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX Account Number : [ XXXX Reason : [ need this old incorrect info removed from my profile asap please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX l ]

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 2023-07-13
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to

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 2018-12-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2018 attempted to withdraw {$100.00} from a XXXX XXXX XXXX ATM. It did not dispense the money. XXXX XXXX XXXX referred me to MY bank 5th 3rd who put the {$100.00} back in my DDA only to withdraw it a few weeks later because XXXX XXXX XXXX replied to their inquiry by stating the ATM dispensed the money that day. 

That was a lie and XXXX XXXX XXXX apologized to me after they investigated my claim further upon receiving a CEO Line Complaint from me. They have tried twice to deposit the money back in my 5th 3rd DDA and each time myself or my wife has asked about it - 5th 3rd has been rude, dismissive and uncooperative. 

The latest incident of disparate treatment occurred THU XX/XX/2018 when myself and a XXXX XXXX XXXX employee via a 3 way call desperately tried to explain the situation to a 5th 3rd SUPERVISOR who was rude, arrogant, unhelpful, dismissive, condescending, and she accused myself, a 5th 3rd client for many, many years, of lying. UNACCEPTABLE. 

The Supervisor was given the dates of the two attempts where XXXX XXXX XXXX attempted to credit my DDA and she simply stated " I don't see them '' and that was it. no effort on her part to locate the now {$200.00} XXXX XXXX XXXX has spent trying to give me back the {$100.00} I am due. Outrageous. The dates are XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: ALLY FINANCIAL INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
hello, I have 3 investment accounts with Ally XXXX XXXXl ( Ally bank online ) for about 2 months. XXXX IRA and 2 rob investment accounts for a total of about 9000 dollars. about 2 weeks ago they inactivated the text code verification for security purposes because I forgot my PIN number and they went ahead with asking me multiple choice questions as a method of verification. since then I have failed their verification answers, they keep asking me about a different person that lives in XXXX Arizona and that has my same age and same maiden name. also they have been asking me about " other people that I am supposed to know that live in Arizona. I keep telling them that I have never lived in Arizona, I have lived in XXXX XXXX for over 30 years and California before that. they would not hear of it and have attached my accounts to fraud and have lock them, I can not see them on my online banking side of it like I used to or have access to it or transfer them out. one time I did happened to speak with one representative that tried to help me and asked me to submit/fax my driver 's license and social security card to the number the representative gave me, I did on the XXXX and email them to XXXX the following day also. XXXX, the representative said that in about 2-3 days they would contact me, I have never hear from them or no body has email me. I keep sending them an email asking what other information I can submit to verify that is me. I keep calling and asking them the same thing and they keep asking me the same questions about someone that lives in a different state and other people that I have no idea who they are. they wound not get me to a manager or supervisor because I have not been properly " verified ''. they would just not help further and I have no body that could help me. the banking part of it I have access to fully but they say they can not help me with the investment part of it at all. like if they separate entities. my phone number is XXXX and XXXX, my email address is XXXX, I have no paperwork to submit because I have not receive a email back or call back, there is no back and forth just me begging to what else I can submit to prove that it is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2015 a car showed up on my credit that does not belong to me. My identity was wrongfully used to get this car. i do not own this car nor have I ever did. Its showing that the car is $ XXXX behind in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, I would love this company to delete the following from my report XXXX XXXX and XXXX XXXX. These accounts are old and not mines.i cant get a bank account nor move forward with my life. I question the validating process with this company.

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 2020-01-03
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
HYUNDAI FINANCE HORRIBLE CUSTOMER SERVICE a young girl totaled my car XX/XX/XXXX, XXXX XXXX pd off lease XX/XX/XXXX in the amount of {$17000.00}, deductible in the amount of {$510.00} bill received by me XX/XX/XXXX, Hyundai cashed it XX/XX/XXXX, They are showing the loan and non payment on my credit report with the credit bureau. They told me I need to submit a dispute, in writing, by mail. They purposely give no fax or e- mail address for customers to use. They will not fix the problem they created. Supposedly once they receive it, it will take at least another 3 months to fix with the credit bureau. Funny how they immediately file the lease or loan, but can not fix the problem they have created. I only found out about it as I was applying for a home equity loan, this problem dropped by credit rating over 100 points. I have settlement on a property XX/XX/XXXX, and is creating a real problem. I asked the representative from Hyundai Finance to e mail me the address with instructions as to how to file it with them, she would not. They have my e mail address with my account, they would contact me when my payment was due, and when they received it. 
I really doubt they would fix the problem even with a request in writing, it would just be lost in their mailroom.

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 2023-10-12
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The company incorrectly processed two of my payments. I made one payment for {$5000.00} and another one for {$8000.00} a few days later. They applied them to the exact same loans ( I had about 6 loans ). Now some of my loans are saying I have balances due, while others say I overpaid. The sum of the ones overpaid equals the sum of the ones that still have a balance due. Aka they should be fully paid off. Additionally, they also charged me interest for the remaining amount- even though I have paid this, it was just not processed correctly. I have tried emailing, chatting and calling them for the past two weeks. I have called and waited on hold for 5+ hours, and well as requesting callbacks. I have gotten NO contact from them

Company response to consumer: Untimely response
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED OLD ACCOUNT HISTORY REMOVED ALSO NEED THIS ACCOUNT REMOVED FROM PROFILE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ 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 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan has been paid in full, but the XXXX XXXX XXXX XXXX XXXX failed to report the debt as paid in full with a {$0.00} balance in violation of the FCRA. This has negatively impacted my credit score, access to credit, and rate provided on new credit accounts. They need to correct my credit report AND provide monetary remediation.

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 2023-12-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2023-12-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief