BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-30
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 information incorrect

Complaint:
I request all three consumer companies XXXX, Transunion and XXXX to update my credit report reflected that my student loan was forgiven. I sent them written correspondence from the original lender to make the correction so far no response.

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 2023-05-03
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was sold/transferred from XXXX XXXX XXXX ROUNDPOINT XX/XX/XXXX. 
First statement of XX/XX/XXXX from RP indicated a past due balance. 
Each statement after still shows a past due balance. 
Escrow is not in question as that was transferred as well. 
-There is no way to reach a live human operator on their phone number. 
-Ive emailed at least three times for help, -asked for appt phone call with Office of President , and -submitted a written Notice of Error. 

Auto generated email responses were received but have had zero live responses. 

I do not want this to appear as my fault. ROUNDPOINT mortgage is awful and has no customer services. 
Thanks,

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 2020-02-28
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX- Contacted all 3 bureaus and XXXX XXXX, Home Depot , XXXX XXXX to report fraud. I submitted police reports and identity verification. Disputes were open but nothing was done. 

XX/XX/XXXX- Contacted all 3 bureaus again ( XXXX XXXX XXXX XXXX XXXX ). Verified police reports were received and identity was verified. Disputes reopened. No accounts resolved XXXX and XX/XX/XXXXXXXX Contacted multiple times and opened more disputes. Nothing was resolved. 

As of XX/XX/XXXX- More disputes opened to dispute fraudulent items. Have to wait until XX/XX/XXXX for updates.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX- Contacted all 3 bureaus and Capital One, XXXX XXXX , XXXX XXXX to report fraud. I submitted police reports and identity verification. Disputes were open but nothing was done. 

XX/XX/XXXX- Contacted all 3 bureaus again ( XXXX  , XXXX  , XXXX  ). Verified police reports were received and identity was verified. Disputes reopened. No accounts resolved XXXX and XX/XX/XXXX- Contacted multiple times and opened more disputes. Nothing was resolved. 

As of XX/XX/XXXX- More disputes opened to dispute fraudulent items. Have to wait until XX/XX/XXXX for updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX has stated that I received refund/stipend checks in excess of $ 49K in addition to the cost of attendance, which also include refund checks in that amount. I do n't feel this is correct and I need assistance with obtaining all checks I cashed from XXXX XXXX during XXXX-XXXX. 

I do not have an account with Suntrust. I cashed the checks from XXXX XXXX because this was the name on the refund checks they mailed to 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 2021-09-13
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought a home in XXXX to XXXX XXXX XXXX alabama lease to own {$66.00}. 
I have made every payment never missed one. 
In XXXX he called and told me he had a XXXX XXXX I call chase bank, they would not talk to me until I had the last 4 numbers of his social securety so he gave it to me. 
When I called and spoke to a loan manger she said it was just getting ready to go into forcloreser even though I had been sending him checks .I called hom back he did not know where thr 3 checks where but would find them .So I called them back only to find out he had taken a XXXX loan on my property without my knowledge. the bank ( Chase ) and I sent him papers many times to transfer to my name he never answered. So I paided the {$1500.00} back payments and have been paying Chase bank every since then but they are in his name. And he I am 21 years later of making payments my balance is {$48.00}. 
I now have no air condition my central unit went out. I have XXXX. I work every day been at the same job 25 years plus. Cant get a new unit because they say I dont own home .Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a summons/lawsuit letter on XX/XX/22. This summons claims I owe the plaintiff {$4500.00} issued by Portfolio Recovery Associates. I requested validation of debt/section 609 of the FCRA requires that Portfolio Recovery Associates provide me with a contract bearing my signature and to please forward me all signed documentation on this account and verifiable proof of this account belonging to me. I also requested itemization of this account. ( see CFPB complaint : XXXX ) Specifically, Portfolio failed to produce full verification/validation of a debt- at my request, which IS an FDCPA violation. 1. The original creditor XXXX  has responded ( on XX/XX/22 ) this complaint does not belong to them. 2. Failed to produce : Original contract bearing my personal signature/verifiable proof that this account belongs to me. Failed to produce : Itemization of the amount and age of the debt as requested. including : If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Please forward breakdown of any fees. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Additionally any reporting of this debt to the credit bureaus prior to allowing me to validate IS in violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. ( which, I am allowed under the FDCPA ). First notice from Portfolio received XX/XX/22 in the form of a summons letter. This inaccurate information must be deleted from my credit file immediately. Contact the credit agencies you have reported it to and remove this information from my credit profile. Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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: Information belongs to someone else

Complaint:
identity theft. some person has opened accounts in my name. credit cards, lease, car loan. i need these removed asap.

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 2019-04-25
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A week ago I received a letter from a collection agency that had been sent to my old address. 
I am being charged for a debt I do not recognize, I wasn't even in the USA at the time of the debt.

I'm posting a letter tomorrow disputing the debt, but now I'm worried that there may be other debts incurred under my name without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  Acoount # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Starting on XX/XX/XXXX, charges for XXXX XXXX cards starting appearing on my Chase Amazon card. These charges were for either {$60.00} or {$75.00} and it happened 13 times until XX/XX/XXXX. Amazon flagged them as suspicious since I have never purchased such items in the 5 years I have been a customer. Chase Bank opened an investigation and told me it was ruled fraud. I closed the card and amazon froze my account. I thought everything was resolved until I received a phone call this Tuesday, XX/XX/XXXX from someone working on behalf of Chase. I was informed the Bank ruled it as not fraud and I was responsible for the charges. I thought it was very strange and when I searched the number it came up as a scam number. I called Chase and they told me it is them calling. Upon further research I realized that the bank must " sell '' to a 3rd party investigative department who decides whether or not something is fraud. I spoke to Amazon numerous times and they tell me they see on their side that the transactions were marked as fraud and that there is NO record of Chase ever reaching out to them. My concern is my credit getting ruined since I will not pay for these charges and I have worked really hard to have a credit score in the high 600 to now have this ruin it. 

Here is a list of transactions : XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$60.00} XXXX {$60.00} XXXX {$60.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$60.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13
Company: NATIONS LENDING CORPORATION
State: CT
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:
Hello, I received a call from a man that stated that he worked for nations lending stated that he received my inquiry online for looking into the FHA loan I advised that I spoke with another company and was advised that I would need to save about {$7000.00} before moving forward the gentleman asked me if he explained to me what I needed to do and I advised yes he asked if we talked about my credit score I advised yes that my credit was around 620 he said oh okay so the credit is not the problem thats when he told me that they will be getting a program called the down payment assistance program and that he would just take my information for now and add it to the speared sheet that he has with everyone else information he stated that this program is for people that has the credit but just need help with the down payment I said okay, the gentleman NEVER stated that he would be running my credit we never talked about him running my credit, the next day I received an email telling me that this company had ran my credit, I tried to contact the man several times and never once called me back, I then reached out to the better business bureau where they sent me an email stating that they will have the company contact me on XX/XX/12 I received a call from a man named XXXX he stated he reps the company there would an investigation and would get back to me that it would take 48 hrs I then received another notification from credit karma telling me that my credit score dropped this man took my information and used it without my permission or knowledge.

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 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX   to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2020-02-28
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I purchased a sofa from Macys.com using a newly opened Macy 's store credit card, totaling {$2100.00} inclusive of tax and shipping. The website had advertised that furniture purchases had available promotional financing, including 0 % APR for 18 months, if you used a Macy 's credit card. I opened the card explicitly and solely for the purpose of taking advantage of this promotional APR. I called Macy 's customer service to place the order, and the phone rep worked with the credit department to open my card and apply the promotional financing. A few days later, I called Macy 's customer service to inform them that I had ordered the wrong version and wanted to cancel and order the correct version. They did this, and the charges were the same ; however, when I checked my Macy 's credit card statement a few months later, I found that the promotional APR had not been applied and that I was being charged the full interest amount from day one ( 27.49 % ). 

When I discovered that I had been charged the full APR, I contacted Macy 's customer service via secure messaging on their website on XX/XX/XXXX informing them of this situation. The customer service rep indicated that I was only eligible for the 12-month 0 % APR promotion. " Upon review, it shows that the 18-month interest free promotional offer had a minimum purchase amount of {$3500.00}. In this case, the said purchase can only be eligible for the 12-month Special Event. We can request a transfer to the promotional account. You may reply to this email or call the number provided below to confirm if you would like us to submit this request. '' I replied to their message on XX/XX/XXXX ( I admittedly did not realize I needed to confirm my intentions to get the promotional rate as I believed they would proceed after my initial contact ) saying that I wished to proceed, and on XX/XX/XXXX they indicated they would submit the request. On XX/XX/XXXX I received a letter from Macy 's requesting that I call their customer service number as they need more information to fulfill my request. I called that same day and spoke to a customer service rep who indicated that my purchase was NOT allowed to be transferred into the promotional APR. He did not provide any explanation as to why not.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact America I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in 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 2023-06-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief