BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my XXXX XXXX has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with XXXX already. XXXX has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for XXXX stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help me!

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 2023-11-06
Company: EQUIFAX, 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:
I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and my social security number is XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My password book was compromised. The result was identity theft and most of my funds were gone. USAA was hanging up on me when I was trying to figure out what happened to my money. Then USAA told me various things such as " talk to your wife ''. This created a whole separate issue. After that I was told other false information. The USAA application stopped working and when it finally was working there were additional security measures which indicate that the bank discovered that someone other than myself was moving my money around. There are no recognized devices on my account now, which is inaccurate because I only utilize my cell phone to access my account. The bank representative that I spoke with about this matter told me that I can request IP addresses linked to my account and that he was mailing me such form. However I never received anything so I called to follow up. this time I was told that no such form exists. USAA is not helping me locate my money. In fact, it seems like they are avoiding responsibility for the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: FREEDOM FINANCIAL NETWORK
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I started a debt relief program with freedom debt relief. They sent me a flyer with a loan amount on it that happened to be exactly the amount of credit card debt that I held I called and was instructed by the associat that I was approved and that he could help me settle the credit card debt I had. While in a lengthy phone call with the associate of freedom i was instructed that i was approved for the loan and all they needed was the account numbers they instructed me to stop paying on the accounts I had enrolled with them. After about a month I started to recieve collection letters in the mail from the accounts I had enrolled with freedom I called them with my concerns stating that I was supposed to recieve a loan to take care of these accounts they told me that I was never approved for a loan that I was enrolled in their " hardship '' program I explained to them that the was their associate had told me I was approved for a loan and that the accounts I had enrolled with them were supposed to be taken care of and that I was instructed to stop paying on those debts. They tried to explain to me that I misunderstood the associate and that I was enrolled in the hardship program and that I was unelligable for the loan I explained to them that I wouldnt of signed up for the hardship program because I was current with all the companies I had signed up through them and that they needed to listen to the recording of me talking to their associate and could easily see that I was mislead into the situation by being promised a loan. Since dealing with freedom I have called on different occasions and spoken my concerns I told them I recently purchased a home and was afraid that my home owners insurance premium would increase I was assured that my insurance amount would not increase. Since then my home owners insurance premium has went up % 50. I've tried to contact them and speak with them about recordings and being mislead on the phone and basically they told me the reco derding were too old to go back and retrieve and that their associate did not mislead me and that It was basically my fault I'm still dealing with the company and the exorbitant fees associated with them I would appreciate a call back or a letter thank you XXXX XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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 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 2019-04-30
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The collection company XXXX XXXX on behalf of XXXX XXXX charged my atm card {$540.00} completely out of the blue without my written or verbal authorization on XX/XX/XXXX. The charges they claimed were coming from training sessions I got almost a year ago in the early summer of XXXX which I came in to cancel and settle up on almost 6 months ago. I spoke to both the trainer and the regional manager who informed me that it would be cancelled, the balance was settled and I would no longer be charged for anything. Recently I came into the establishment and asked XXXX at the front desk if there were any outstanding charges that needed to be paid. Just in case. He informed me there was no balance whatsoever. I also spoke to XXXX the previous regional manager the exact same question and he gave me the same response as well. No balance. I even asked my trainer XXXX who told me that I dont owe anything on the training sessions from last year. They all basically told me the same thing. There is absolutely no balance. Now I go to charge my card this afternoon and find out there's almost 550 dollars missing. Once I noticed these astronomical charges to my XXXX XXXX account from XXXX and XXXX XXXX I immediately called the store on XXXX XXXX and spoke to XXXX the manager who said that now all of a sudden there was an outstanding balance. I told him I already had this cancelled and settled up on a long time ago because I never came in to redeem or use any sessions. It was pointless to keep paying so I cancelled my subscription a long time ago. I spoke to 2 different people who informed me that it was in fact cancelled. He said that they were wrong I owed money. Now it seems they just decided that they were going to start another subscription and charge me for something new i didnt agree to without any prior notification when I asked if there was anything past due on my account numerous times with all different people. It's either these people are totally incompetent or are clearly trying to take advantage of someone. This situation has now put in a serious financial hardship because they basically cleaned out my XXXX XXXX  checking account and I am unable to pay my other bills. I didnt agree to these terms and the sessions I once had were cancelled almost a year ago. I am disgusted by this company 's level of professionalism and uninformed staff. They have clearly taken advantage of the situation and have violated my rights as a consumer by not producing or sending any printed bill or invoice to my billing address or in person that clearly states the amount that was owed at least 14 days before said due date. I was never notified, only charged, and that is in clear violation of the law and sits in the realm of unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I received a phone call from XXXX with a caller ID indicating XXXX XXXX from XXXX XXXX, CA. I answered the call and went through two transfers with the phone cutting in and out. I then was told the call was from Midland Credit and they were calling about a Debt with XXXX XXXX. I asked the reps name and was told it was XXXX XXXX. XXXX has an XXXX accent and was hard to understand. She indicated that today shes calling about a debt they purchased from XXXX and you owe us today. Ive never received any form of communication from the company prior - she indicated that a letter had been sent to my home address on XX/XX/XXXX. I told her again Id never received this letter and asked if she could please resend it. Each time I attempted to ask her a question about this, she cut me off and said you need to pay this today or Im turning it to court. She then said, you made a payment on XX/XX/2019. Again, I asked her to send the letter as required by the FDCPA - she then started to get irate and ramble. She began to say, youre refusing to pay today ... I again told her to send me the info first. I told her not to call me until I get the letter. This same number has called my husband on his cell - hes not even on the credit card. This is the first time I received this call. I want documentation from midland credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I went to XXXX XXXX XXXX XXXX to purchase a vehicles, which I was advised they would need a auto financing approval to purchase the vehicles which in XX/XX/. I obtained a approval from Navy Federal FCU. 
XXXX XXXX and I, who was there individual I was working with advised he needed the checks to purchase the vehicles. He cashed the checks fraudulently, and I never received any vehicles. Each month I would get excuses that its being worked on until they stopped answering the phones and change the office location. I haven't heard anything at all from the dealer ever again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a series of automated emails from CapitalOne that said I changed my profile phone number, was approved for a new credit card, and accessed my account through a new device around XXXX  of XX/XX/25. I did not recognize any of this activity so I called CapitalOne. Despite sending me emails, they confirmed I did not have any credit cards in my account, however they would not explain why I received any emails to begin with, so I'm unsatisfied with the response. 

Second, while on the phone I was bounced amongst multiple representatives, but one told me that I had a savings account under my profile ( linked to my social security number ). I was told it could have been opened many years ago. I do not remember opening this, however it does not mean I didn't. They refused to provide me any way of verifying if this savings account under my own social security number is valid. The only solution they offered was to flag it as a fraudulent account and close it. I deserve to know whether this is my account, and closing it without investigating it is not appropriate. 

I want all credit cards under my social closed, and also that for my wife, XXXX XXXX. For any checking or savings accounts, I need to be given a level of information for me to validate whether these are legitimate. Once confirmed, if they are not legitimate, these also need to be closed. 

The multiple representatives I dealt with each had incomplete information and were unwilling or unable to assist the above requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Commercial Acceptance Company
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is for services rendered on XX/XX/XXXX by the XXXX XXXX XXXX. I received multiples letters from them after the date of service demanding payment. I disputed the debt each time and refereed them to my insurance company. They did not made any effort to resolve the issue or provide with documentation on services rendered, because they kept sending me the exact " Amount Owed '' letter over the course of XXXX. 

At this point they charged off the amount owed to their collections department and continued to send me letters demanding payment and late fee charges. I once again disputed the dept, referencing this is a matter between them and my insurance, and their failure to provide the documentation noted above. 

Since XXXX, I have heard nothing from XXXX XXXX XXXX and did not receive notice that " my debt '' was sold off. I had no idea who Commercial Acceptance Company until they recently filed a derogatory notice on my consumer credit account, resulting in a drop of credit score. The NY State AG contacted them and their reply was that the debt was legitimate and that they had sent my a letter on XX/XX/XXXX. 

I again dispute the original debt. I failed to receive any timely notice or documentation that the original amount owed was attempted to be collected from my insurance. I also received no notice of transfer from XXXX XXXX XXXX. The amount now owed is also inaccurate and suggests predatory business practices I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-03
Company: EQUIFAX, INC.
State: ND
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently attempted to dispute a debt from XXXX XXXX XXXX, via XXXX XXXX, XXXX, XXXX and via letter ( us mail ). This request has been submitted multiple times and the first time I did so, they failed to respond to me within 30 days ( the dispute was open for over 90 days ). I requested the orginal debt date to be provided ( not the date that the debt was turned over to the collection agency ) and they have failed to give me this date. They recently just updated the debt with the date that they attained it and accuse me of still being indebted. ( Actually reported that I am now late ). I have no idea what my next step is. I don't even know what account this is orginally from. I requested that all this info be mailed to me so I could review it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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