BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Today I received the attached my second attempt to receive the accurate and complete records on this HELOC but once again I got falsified documents showing that not only is Chase claiming I made a full year additional payments when I didn't but also reporting it to the credit bureaus. Attached is Trans Union being given fake payments I never made. I stopped making payments on that the end of XXXX XXXX  and can prove it with my bank statements when we get to court on this banking fraud. Presently XXXX XXXX XXXX XXXX XXXX is planning on selling my home with an obsolete primary mortgage and now trying to add this account to it, This account THIS COMPLAINT is for has never been sent to me any foreclosing or default notices, or anything else in attempts by XXXX to try and add it to the illegal foreclosure presently attempted on my home. THIS IS A NEW ISSUE OF BANKING FRAUD FABRICATING PAYMENTS I NEVER MADE AND REPORTING THIS FALSE INFORMATION TO THE CREDIT BUREAUS. CFPB NEEDS TO INVESTIGATE this FRAUD!!!!! see attached i marked the transaction history sent to me with fake payments marked off by a big x on both sides. see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
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 credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: CITIBANK, N.A.
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:
Just want to clear something up you say in your letter During a conversation with us while you were in the store, you passed our Fraud verification process and verified the charges were legitimate. Can you please provide the physical evidence I was in the store. You are accusing me of something which Im fine with Please prove I was in the store at the time. Like I said before you WILL respond whether you like it or not and I will not stop writing letters until I get every single detail. please provide proof/evidence I was in the store at the time.

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 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe {$13000.00}. How I could owe {$13000.00} when I never received the card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
incorrect info on my account. 

1.XXXX { car Loan } shows a late payment in XX/XX/2020 i am in deferment due to covid-19. so i wont have a late payment on my account. This is incorrect info and has dropped my credit score. 
2. XXXX XXXX. account is current. same info. covid-19 deferment XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My my credit has gone up over 90 points and from a XXXX to a XXXX and I still can't receive a loan I still have the same problems and also they're still the credit reporting agencies are still making it hard for me to get access to my credit file there's something going on with my credit file you have made all these loan companies essential hard for me to get a loan or any kind of assistance. One place says I have fair credit the other says it's poor

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 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a request to XXXX  on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan, currently with Wells Fargo, was originated in XX/XX/XXXX, with my late husband. After his death, I made a large principal paydown, and continued to make biweekly payments as timely as possible despite the decline in income. I never let the payments fall more that 30 days delinquent sine XX/XX/XXXX. 
I had to make the decision to move due to my son 's medical condition, in order to move closer to family and create a support system, as of XX/XX/XXXX. The work I had completed to make repairs to the home required me to cash out my XXXX, yet I still kept current. 
I left the property to move to Georgia, but still kept current with my payments up to that point. The utilities are still active, a security system is still engaged, and the local police have been contacted to provide a " passing attention ''. 
Despite this, my realtor showed up at the property on XX/XX/XXXX to find a vacancy and pending property securing notice on my door, as if I were in default. This was an *MASSIVE ERROR* since my last payment was due on XX/XX/XXXX. 
This clarified why I received several cancellation notices for property viewing in the one week that passed since moving. Any prospective buyers would be either scared off or willing to wait out a foreclosure in order to possibly purchase the home at a lower cost. 
I worked for XXXX XXXX for 13 years. I am well aware of how damaging a hint of Foreclose action can be for a home sale. When I called Wells Fargo to question why this notice was posted, none of the representatives could explain why. 
I would like an investigation into this matter. This error may have cost me the prospect for multiple interested buyers. Instead of having a number of prospects, I am whittled down to very few, and it has prevented a speedy resolution. My son 's illness has required that I resign from my 13 year long position in order to tend to his medical and educational needs. My income is now limited, so I will not be able to afford the mortgage.

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 2022-09-26
Company: EQUIFAX, INC.
State: VA
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:
Report # XXXX Since XX/XX/2022. I contacted the credit bureau to correct the wrong information on my credit report TILL date they have not fixed the inaccurate personal data. 
Wrong names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Inaccurate addresses XXXXXXXX XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I requested a copy of my consumer file from Global Payments and the company refuses to provide it unless I can specify which of their Product Services that I believe contains my personal information and the Merchant or Customer ID. 

Global Payments works with many merchants and provides many services. I have no way of knowing where my personal consumer information is held under their many services and merchants. 

Unless I can provide the exact service and merchant the company is refusing to provide me a copy of my consumer report. This is a violation of the Fair Credit Reporting Act. 

Global Payments Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX https : //www.globalpaymentsinc.com/en-us/privacy-statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-12-10
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 Opened an Amazon Credit Card account and received the card. Problem is Amazon tacked on an unauthorized {$14.00} Prime Membership fee which I did not request. I called them and requested this be removed and they promised to do so. They asked that I call back in once again but honestly, since I already spent almost 2 hours on the phone with them, I see no reason to call team again. I need a refund as soon as possible and for them to reduce my balance accordingly. I never received the Prime Membership either so they are stealing. Thank You, 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 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have attached a copy of the status page from Transunion. By law, they have exceeded the the 30 days allowed for the verification of this item. Transunion must now remove this item immediately.

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 2019-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My husband gave me a 4 gift cards for {$250.00} from XXXX XXXX XXXX & someone got my number & used one at the Saks in XXXX XXXX XXXX on XX/XX/2018. I called the asset protection & they are not being much help. The New York store does not seem to know how to investigate in this matter. 

The other 3 cards were used on XX/XX/2018 in XXXX XXXX. They were very helpful & already got the persons name. Theyre sending me a new gift card for {$750.00}. 

I hope you can help me get my {$250.00} gift card back from the Saks in XXXX XXXX XXXX & find out what happen. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Bread Financial Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting daily phone calls for over a month from XXXX XXXX ( XXXX was the number they used yesterday ) asking that XXXX XXXX call them about a XXXX XXXX account right away at XXXX. There is no one in my household by that name and never has been. I have never had and account with XXXX XXXX or XXXX XXXX. When I searched the number online it looks like many people have had similar experiences and believe this is a scam. I want the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: NCB Management Services 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:
XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES, INC.  Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that NCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Regional Management Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with XXXX XXXX in XXXX OK. I have fallen behind because I got hurt at work and wasnt getting paid like Im supposed to. I called and told them my situation and asked what I can do about my late payment. She said theres nothing she can do. Whoever I spoke with at the time told me I have to give her a credit card number and exact date when they can charge it. I told her I couldnt do that because I really wasnt sure when I can make the payment. So she told me that she will have to call me everyday until I can pay or set up a payment. I told her I will just call the following friday because I will be working XXXX the next 4 days, but she kept on calling me everyday anyways. So friday came and I called them to let them know I still cant come up with the payment. Then another lady answered my call and told me that I can renew my loan and actually have a debt protection insurance Im paying for. So I went to their office the next day but when I got their they told me they actually cant renew my loan But instead they would do an extension but I have to pay {$3.00} in cash but all I had was {$4.00} in bank card. So I told her I will be back. I never got to go back coz when I  went to the bank I actually just have {$2.00}. Well then I didnt know what to tell them so I just didnt call them. The next day I was at work they were trying to call again. This time since I didnt answer they started calling my references, which is fine with me but then they started calling people that are not even on my reference. One was my sister in law, she said that when she called them and asked a lady name XXXX how she got her number, she told her she got it from a data base, it shows related people or something, then she also called an aunt from north carolina. But what I couldnt understand is how they called 2 people in california that dont have the same last name though they are my sister in laws sister and mother. They are people that I dont talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: FORD MOTOR CREDIT CO.
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:
FORD MOTOR CREDIT ACCT # XXXX HAS REPORTED A LATE PAYMENT FOR THE MONTH OF XX/XX/2019 AND IT HAS HURT MY CHANCES OF BUYING A HOME AND I WAS NOT LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity 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 explanation
Consumer complaint received 2019-01-25
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation