BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete this immediately : 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 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 2021-10-07
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: Investigation took more than 30 days

Complaint:
i sent this letter on XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

Creditor : XXXX XXXX XXXX Account # : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX for Equifax, XX/XX/XXXX for XXXX and nothing for XXXX Creditor : XXXX  XXXX XXXX Account number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, Closed date XX/XX/XXXX Equifax. XX/XX/XXXX last activity, XX/XX/XXXX closed date XXXX. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX Equifax, XX/XX/XXXX XXXX and no date for XXXX. 

Creditor : XXXX XXXX XXXX Account Number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XXXX XX/XX/XXXX, Equifax has no date nor does XXXX. Closed Date is different, XX/XX/XXXX Equifax, XXXX XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Never sent a updated copy of my consumer credit report reflecting the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, INC.
State: MI
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 received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
THEY KEEP CHARGING ME 40 FEES & INTEREST AT THE SAME TIMES. 
TOO MUCH FEES AND INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into Forbearance with VHDA in XX/XX/2022. Was granted money through relief organizations that never reflected on the amount owed. Then when I was out of forbearance was told I qualified for a Virginia housing relief grant of XXXX XXXXk but I owed $ XXXX and needed to bring the balance down to $ XXXX to be able to receive the grant to pay what I owed. I ended up having to do a loan modification and sign papers saying that I owe them all kinds of money and I have no idea at this point. It restarted my loan for 30 more years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a VISA Credit Card in which the monthly statements indicate an Amount Due and Date Due. In several instances, I have been charged Late Fees although payments were made by the specified Date Due. 
Date Due Date Paid Date posted Late Fee $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Total {$150.00} Recently, my credit limit was reduced by a company called XXXX XXXX ( XXXX XXXX  ). 
Needless to say, these late fees Fees Charges have seriously impacted my overall credit rating and i wish to these fees reversed. 

Thank you

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 2018-11-26
Company: EQUIFAX, INC.
State: GA
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 am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from th e ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carfully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver Licese -Copy of the Utility Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TD BANK US HOLDING COMPANY
State: MI
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 received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act has violated several of my rights. 

XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX of XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C 1681 section 602 states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting 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 2023-11-07
Company: CITIBANK, N.A.
State: PA
Product: Credit 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:
Best Buy card didnt use it and I didnt receive any statements on my address for more than XXXX years. XXXX sent me message saying Best Buy closed with balance XXXX $ and Im not responsible for these transactions. I tied to open my account and I found different address not my new address and didnt phone number. I tried for more than two month calling the bank but no one solve it and they ask me making a payment for something I didnt use.

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 2019-05-09
Company: Experian Information Solutions Inc.
State: CT
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:
Experian is allowing XXXX XXXX to post to my credit report new charge offs each month. Experian will not open a new dispute. XXXX XXXX charged off an account XX/XX/XXXX they have now reported the same account number newly charged off XX/XX/XXXX, XX/XX/XXXX. Experian needs to take the charge offs off my credit report as they did not have a full investigation.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
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

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 2023-11-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I listed something on XXXX for sale in XX/XX/2022. 
Item was " sold '' but the buyer never paid. XXXX charged me {$240.00} in fees for that. 
Note here that buyer never paid yet XXXX charged me a fee. 
I never paid that amount and today I got a mail from The CBE Group asking for {$240.00} that I shouldn't be liable to pay in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called chase on XX/XX/23 to see if I can get the pay later fee reduced due to a healthcare emergency I had experienced. I was assured that someone was going to advocate on my behalf with the company. No one ever did. My case number with chase bank is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 contacted XXXX on many diffrent occasions and nothing has been done about the fraudulent inquires that are on my credit reports I have sent them detailed information such as police reports, FTC reports and nothing has been done the Inquires need to be removed due to the I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit these inquest need to be removed as they are fraudulent inquires [ 15 U.S.C. 1681 ] these need to be blocked from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Experian Information Solutions Inc.
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:
I am a victim of identity theft and despite the fact that I have sent in all identification documents reiquired and all the law enforcement documents required by FCRA Section 605B, Experian is responding that they can not verify my identification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The bitcoin scam through XXXX and cash app telling people that they will give money Im exchange for XXXX do when we purchase it afterwards they block you and hack your page compromising your passwords and keeping you from signing in or having any access to your XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: AVANTE
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a Collections account with National Credit Systems multiple times and they have yet to send any information to me validating {$1100.00} being reported on my credit report. I have not done business with a XXXX XXXX XXXX and have no clue as to what this is. I do not owe anyone from XXXX XXXX XXXX and have asked that they supply documentation proving this account belongs to me. I have been going through this since XX/XX/2018 with no resolve and need someone to step in. When I contacted the Collections agency, the representative I spoke with had very broken English and was not able to explain to me what this is and why its on my credit report. She was extremely abusive and kept saying I knew what it was and I need to pay it as though I personally owe her money. This company has horrible customer service practices and dont even attempt to help you. I just need something from them indicating this belongs to me and for what-especially since I have no clue what XXXX XXXX XXXX is and have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Hello, Ive been trying to contact Capital One for months in regards to my account and how I can get the late payments removed. I have wrote two goodwill letters and called numerous of times to no avail. I explained that I was facing a financial hardship during this time and couldnt afford to make the payments. Unknowing to me, the times I attempted to make payments last year there was insufficient funds in my account. I wasnt aware and it caused for all of the payments to reverse. After realizing I hadnt have enough money, I could no longer afford to make my monthly payments. As of today, the balances owed has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Experian Information Solutions Inc.
State: IA
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:
Sent in a handwritten dispute to XXXX on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is XXXX /XXXX. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to XXXX on XXXX according to XXXX dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my Experian credit report also. What I discovered is that XXXX/ XXXX did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow XXXX is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what XXXX, Experian and XXXX have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!

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