BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: MI
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all 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 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 2019-11-11
Company: Experian Information Solutions Inc.
State: GA
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 had several cards with XXXX. I have a credit card with them that begins in XXXX. This account was opened on XX/XX/, 1992. There have been making changes with this XXXX  or XXXX  card. I have never been late until one time this year which I believe is the company problem. I have always had my auto payment on but when the company made changes it was turned off or removed. I never received a notice that I owed on this account since I did not make a charge of this account. I believe the charge is a charge for having the account. I have not been able to access this account on line and have been in touch with the company. They claim their going to mail me a form but I have never received it. Based on all of the changes and never being late in over 20 years I want the company to remove the late payment from the credit agency. When I called in the representative at the company agreed to put my automatic payment back on. 

I could not pay for something that Iwas not notified about

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 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I did not have money at the time, I asked the representatives for extended payment plan during XXXX XXXX 3 of my credit cards went to debt collect, and we were in a pandemic, since then we did not have any resource of income or what so ever now I have 3 credit card in debt collection wont remove from my credit report stuck, and my XXXX XXXX went down all the way from XXXX to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Claimed debt is no longer owed. They claim the last time card was charged was 2007. 
Process servers have never been here and I am here all the time. 
They do not give me there name and address. Just claim I owe money from a Juniper card long ago. They say they can default if process server cant get in touch with me but they never come.

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 2020-09-24
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase card services sent me my XXXX statement with a value listed as Interest Saving Balance that states pay this amount to avoid interest on your next statement. The amount was listed at {$5100.00}. The amount was paid before my listed due date on XX/XX/2020. Yet on my XX/XX/XXXX statement I was charged interest in the amount of XXXX. I believe this interest should not have been charged as I paid the listed amount to avoid the interest charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11
Company: PRESTIGE FINANCIAL SERVICES INC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I went to XXXX XXXX  XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX XXXX  XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 filed a complaint with Capitol One disputing charges for travel, I never was able to take because the company closed.. 
XXXX  account ending in XXXX Capital one  case # XXXX XXXX Case # : XXXX I am filing a new complaint because this company has awarded other individuals in same situation with this same complaint. 
The travel company in XXXX XXXX is currently under investigation bc they took consumers hard earned money and invested it in crypto and cheated all particpants out of their month. One individual stated Capital one refuned her in XXXX with her cases being 540 days old because the company shut down. Capital one has not been forthcoming in awarding to everyone in this situation their monies back. please see attached. 

Invidiual posted this on XXXX XXXX XXXXXXXX XXXX XXXX XXXX contributor XXXX XXXX XXXX XXXX XXXXXXXX XXXX RE : Capital One ( US ) My charges were well over the 540 days, I have complained to the CEO of Capital One still got turned down then I filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX and today I had confirmation emails from Capital One stating that I have permanent refunds for all three of my transactions that are all over the 540 days. I called Capital One to confirm and was told that it is because the merchant went out of business. This was completely unexpected. I am still in shock, but wanted you all to know in the event that you could receive the same outcome. 
consumerfinance.gov the leiquidator report is attached which shows there is no money left to pay all the creditors any money back, we all may get XXXX, if that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have pulled my credit reports recently and have noticed 2 inquiries that I did not authorize the inquiries are as follows XXXX  Requested XX/XX/2017 XXXX XXXX Requested on XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: JPMORGAN CHASE & CO.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never knew I could dispute debt until now that I was attempting to purchase a home. Also, I have been harassed and threatened that cops would be sent to my house. Family members have been called trying to revive payment and when Id attempt to get information. They were vague and rude. This negative report has been on my account longer then seven years and is affecting my home purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NY
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 rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated and corrected soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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 2023-06-27
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, JPMCB CARD, XXXX XXXX XXXX  , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX, JPMCB CARD / XXXX, JPMCB CARD XXXX - Date opened XX/XX/XXXX, JPMCB CARD XXXX - Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I RECENTLY RECEIVED MY CURRENT CREDIT REPORT AND NOTICED SOME HARD INQUIRIES ON MY REPORT THAT I DID NOT DO, ON XX/XX/2021 I HAVE REACHED OUT TO THE BUREAUS AND HAVE NOT RECEIVED A REPLY BACK OR ANY UPDATES MADE TOWARDS MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding their decision to cancel my repayment card option, which has had a detrimental impact on my credit score. This matter is of grave concern to me, and I seek your assistance in addressing it. 

I have been a dedicated Wells Fargo customer for an extended period, relying on the convenience and reliability of the repayment card to manage my financial obligations efficiently. However, without any prior notice, Wells Fargo abruptly terminated this vital service. As a result, my credit score has suffered significantly, leading to various financial hardships. 

I have attempted to resolve this issue directly with Wells Fargo, but my efforts have been met with inadequate responses and delays. I believe that this situation warrants your intervention to ensure that my concerns are addressed appropriately. 

I kindly request that the CFPB investigates this matter thoroughly and takes necessary actions to rectify the situation. Wells Fargo should be held accountable for the adverse consequences this decision has had on my financial well-being. 

I have attached supporting documentation, including records of my attempts to resolve this matter with Wells Fargo. Please do not hesitate to contact me if any further information is required. 

I appreciate your prompt attention to this complaint and look forward to a resolution that restores my financial stability and holds Wells Fargo accountable for their actions. 

Sincerely, 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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In according to the Fair Credit Reporting Act the following account has violated my rights. 
15U.S.C. 1681 Section 602A states that I have a right to privacy.

15U.S.C. 1681 604-2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

After reviewing a copy of my credit report I have discovered many account AND INQUIRIES that do not belong to me. attached you will see said accounts and inquiries that must be removed from my report.

I have contacted the creditor and Transunion on several occasions with no results. it is clear that the account is reporting inaccurate at the least and after pointing this out to the Transunion they still fail to do their due diligent as required by FCCA. attached you will see a copy of this account as it shows on Transunion and I will highlight the clear discrepancies. after speaking with XXXX they agreed that I was never late and indicated that they have already in the past instructed Transunion to update their record but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: ORG GC GP Buyer, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Debt Collector GC Services is collecting on a Fraudulent account that is not mines and is violating FDCPA laws that are supposedly designed to protect me as an original creditor. 

Them and XXXX XXXX are acting against my rights and defaming my character since I can not get a mortgage and enjoy XXXX holidays with my family. 

Stop this fraudulent activity to help me have a happy holidays.

Company response to consumer: Closed with non-monetary relief