BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed bankruptcy XXXX XXXX and XXXX XXXX ago. I have a family of XXXX that I moved down to Florida for a better job. I have received a couple promotions since moving here. Please remove the bankruptcy from my report asap. This is preventing me from securing a reasonable loan rate In an already tough housing market in Florida and the economys state.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS Trans XXXX and XXXX starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within 30 or 45 days of receiving notice of your dispute XX/XX/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 2023-03-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a chase sapphire credit card til 2020 with XXXX credit available. I had to dispute charges thst I did not make chase got mad tried to say I feauded the that I frauded them etc I had a roommate whom later got put in prison and had access to my cards while also having various police reports made of breaking I tried ti apply last week for a chase visa card the lady could not tell me why I was denied I suggested discrimination since I am a single XXXX mom she Saud maybe I'll have to see, she heard me saying I was going to record the call she told me to stop so I did after she told me I was turned down for two years or newer credit cards abd also too many inquiries which I knew was a lie since I have credit karma, so after when I said its not true thst my credit report is good etc she got very nasty towards me and tried to deny ever saying and agreeing it could be XXXX thus is sickening and offensive XXXX XXXX XXXX who is not XXXX I married a XXXX man from my last marriage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$400.00}.

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. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.

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 2019-12-23
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a money market account with Ally bank. I initiated a transfer from my original savings account to fund my money market account in the amount of {$12000.00}. Ally wrongfully initiated two transfers of {$12000.00}, totally {$24000.00}, which over drafted my account. I called Ally to have them cancel the second transfer that I did not initiate and I was told they could not and that I needed to contact my origin bank. I contacted the origin bank, XXXX  XXXX XXXX, and was told because they are not the bank that initiated the transfer that they could not cancel it, but Ally should be able to. Ally refuses to cancel the transfer. I asked to close my account with Ally and was told I need to wait for the two transfers to post before I can close.

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 2023-08-10
Company: EQUIFAX, INC.
State: MN
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:
Equifax has not been updating my account. They are reporting my XXXX XXXX at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from XXXX XXXX XXXX XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your XXXX XXXX XXXX XXXX student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Removed from report on XX/XX/2023 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Removed from report on XX/XX/2023 ) They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

Equifax dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-08-25
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 am writing to file a complaint against Capital One regarding their refusal to refund fraudulent charges on my credit card accounts. I added my cousin as an authorized user in good faith, but he abused this privilege and made extensive fraudulent purchases, incurring {$42000.00} on the Venture card and {$44000.00} on the XXXX card. When I disputed these transactions, Capital One denied any refund, claiming that I am fully liable for the charges. I believe that Capital One 's negligence and failure to protect me from this clear fraud is a violation of consumer protection regulations, including the Electronic Fund Transfer Act and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX, XXXX, AND EQUIFAX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : EQUIFAX- XXXX : acct. number : XXXX XXXX, XXXX XXXX EQUIFAX- XXXX : acct # XXXX XXXX XXXX- XXXX XXXX XXXX : acct # : XXXX EQUIFAX- XXXX : acct # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- XXXX in sv : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXX XXXX acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXXXXXX XXXX : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX AND EQUIFAX- XXXX : acct. # : XXXX XXXX XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX EQUIFAX- NO CREDITOR NAME : acct # : XXXX EQUIFAX- NO CREDITOR NAME : acct # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I have requested numerous times for Selene Finance LP to show me proof that I signed these certified with return receipt foreclosure sale date letters. They have not been able to show me proof. 

I am attaching for the record the tracking numbers to those certified letters they stated I received. As you will see the USPS tracking website which is a Branch of the US Government never sent those letters to me. 

I want all of this illegal activity to stop!! They have stated to me we are still foreclosing on your house and that is our stance. They are breaking the law in the state of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As recently as XX/XX/XXXX my XXXX score was XXXX and had been hovering between XXXX and XXXX for quite some time. Then as of XX/XX/XXXX it dropped to XXXX and as XX/XX/XXXX it was XXXX. 
I was not notified of any problem, prior to the drop. 
My inquiry with the three credit score companies disclosed that TransUnion was the culprit. And that XXXX XXXX had hired XXXX XXXX XXXX to collect a claimed debt of $ XXXX.That was the first I knew of it. 
I've had an auto insurance policy with XXXX, since XX/XX/XXXX, when I moved to XXXX  from XXXX I paid them each and every premium that was due them. XX/XX/XXXX was the expiration date of the last auto policy I had with them. I, also, had a Condo policy with XXXX which I kept until XX/XX/XXXX. Effective as of XX/XX/XXXX I had a new auto policy with XXXX XXXX XXXXXXXX XXXX XXXXXXXX.. 
Furthermore, XXXX reported me to the STATE OF Of XXXX XXXX, MOTOR VEHICLE COMMISSION for lack of liability insurance on my auto. I had till XX/XX/XXXX to prove to them that I was indeed insured. In a letter dated XX/XX/XXXX, they wrote that my XXXX XXXX registration privilege will not be suspended because you have provided proof of current automobile liability insurance ... ....

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 2023-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 hereby lodge a formal complaint against XXXX Bank and Portfolio Recovery for practices that I assert violate the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My understanding, in accordance with the agreement I signed with XXXX Bank, was that all disputes pertaining to my account would be settled via arbitration. However, to my dismay and without my permission or involvement in any arbitration process, XXXX Bank assigned my loan to Portfolio Recovery, a collection agency. Their subsequent response confirmed my suspicions ; they no longer held the debt, which had been passed on to a collection agency. I contend that this act not only breaches our contract but also infringes my rights as a consumer. 

Upon discovering this issue, I promptly reached out to XXXX Bank, expressing my intention to resolve the debt directly with them. Yet, despite my eagerness to do so, XXXX Bank declined my request to pull back the debt, which, in my opinion, was sold in an unlawful manner. Moreover, during this transaction, XXXX Bank disclosed my personal information to Portfolio Recovery without my approval, an act I insist violates FCRA Section 604 ( a ) ( 3 ) ( F ), which mandates limits on the dissemination of consumer data absent a legitimate business necessity. 

Subsequent to this acquisition, Portfolio Recovery has subjected me to harassment, exerting pressure to collect the alleged debt. They have called my phone multiple times within work hours, even going as far as contacting my workplace directly. They went ahead and threatened to report the debt to credit agencies if I failed to comply. In order to halt further harassment and potential damage to my credit report, I reluctantly felt compelled to pay Portfolio Recovery. 

I firmly believe these actions contravene FDCPA Sections 806 ( 5 ), 805 ( a ) ( 1 ), and 807 ( 5 ), which respectively prohibit causing a telephone to ring or engaging in telephone conversation with the intent to harass ; communicating with a consumer regarding debt collection at their workplace ; and threatening to take an action that is either legally impossible or not intended to be pursued. 

In view of these issues, I call upon the CFPB to delve into these matters and enact suitable measures to protect my consumer rights. I further implore XXXX Bank to erase this account from my credit report immediately, as I am convinced it was sold and reported to the collection agency in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: FRESNO CREDIT BUREAU
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:
Medical debt under {$500.00}, should not be included on my credit report. 

Reported this to XXXX and XXXX, yet the creditor is still showing on 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 2021-12-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/19 I placed an online order with Macy 's. Order number : XXXX. Items ordered are shown in the PDF attachments. This complaint specifically refers to items : XXXX Black Jeans. I ordered 2 pairs of size 31X32 of this specific brand of jeans, however only received 1 pair. I was subsequently charged for 2 pairs. PDF and receipts are 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 monetary relief