BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
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 Lending 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XXXX XXXX/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have notice Unauthorized Inquiries Not made by me in my Transunion Credit report I ask them if they do not have proof ( written authorization ) and they have fail to validate these erroneous inquiries.

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 2017-12-16
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I tried to reduce monthly payments of {$310.00} with Navient, in XXXX 2017 They refused to lower the monthly cost instead they wanted me to give them more money than what was asked of me. They agreed to give me 3 months to try and get enough money to pay them what they are asking. The amount they want me to now pay monthly is {$310.00}. I tried to switch to another carrier such as XXXX, XXXX XXXX XXXX told me I could not because I do n't have any other student loans to consolidate this with. It 's a stuggle to pay this amount please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A khols credit card was open in my name and I was not aware and seen on my credit I contacted creditor and inform them but they refuse to take off even though I have documentation to show I was incarcerated at the time the account was open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: MO
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:
The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX  {$120.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a Care Credit card through Synchrony Bank that I use for medical purposes only. Copays, ENT appointments, dental appointments & etc. My initial credit limit was {$4000.00} as of last year XXXX when I first opened the account around XXXX. In XXXX of XXXX, Care Credit Synchrony Bank decreased my line of credit by {$500.00}, for no reason. At that time I went from having a {$4000.00} credit limit to a {$3500.00} credit limit and the account was paid down by XXXX. I owed about {$2800.00} at the time of the decrease. Because of that decrease on my credit limit that made my credit utilization go up although I paid it down before the credit limit decrease. About two weeks ago, Care Credit Synchrony Bank took my credit limit down again and this time by {$700.00} and now my credit utilization has went up tremendously to 95 % which made my scores drop. I'd paid the account all the way down to about {$2200.00} but they reported I owe {$2600.00} but that's not correct because I make my payments each month and was making extra payments a few months ago. I feel this is a deceiving tactic because everytime I pay my account down by {$1000.00} or more they turn around and decrease my credit limit for no reason. Unfair business practice.

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 2020-09-18
Company: Experian Information Solutions Inc.
State: AL
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:
I have 8 active open credit accounts. For the last 3 to 5 years I have paid on time and paid off balances on most of them consistently.The creditors seem to be doing their part but the 3 credit bureaus are not up to par with increasing my score ... yes I have a couple of accounts in dispute but that should not affect the fact that I have been been working really hard and nothing is moving.2 points here 1 point there is not what I'm working hard for I need you to investigate the 3 bureaus do they can give me my points due 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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent the letter regarding inaccurate information on my credit report. It's been over 50 days and I have not received a response. At this point, I feel my dispute is being ignored. Section 611C states that a failure to investigate these items within 30days results with immediately removing these items from my credit report. This items have been in dispute for over 50days and should be deleted from my credit report. I am tend to file a FTC complaint and sue.

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 2023-08-17
Company: EQUIFAX, INC.
State: PA
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:
After recent review of my XXXX XXXX I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge XXXX : XXXX XXXX, XXXX, Equifax Mortgage XXXX XXXX XXXX, XXXX  XXXX Bank XXXX XXXX bank XXXX CB XXXX XXXX XXXX, Factual Data, XXXX XXXX funding, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, Web Bank ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 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

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 2023-04-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX has XXXX my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

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 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 explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Had a dispute against XXXX XXXX XXXX ( made a purchase send to the mall and wasnt pick up failed to issue credit ). The amount was {$49.00} made on XX/XX/2020. 

The company was contacted and they acknowledge the mistake. Expect Apple Card decide to reverse the provisional credit. 

I called Apple Card services ( golden bank ), the representative was overly rude. She give me a lecture me by telling me to have the USPS credit me since was their fault not the credit card fault since the postal office and all the packages are insured. 

The call dropped, next day my account was restricted ( cant make purchases ). I called and they told me I was being investigated because my shopping habits. 

I called again and send them the copy of the transaction and I was told we restricted your car for your own protection and security of the bank you may not be able to use the card 5-7 business days. You will get a letter regarding the outcome. 

I am a former banker and theyre in violation of fair credit since they did it in retaliation of my previous calls. 

I explain them I am not a thief, I always pay my bills on the and I have never been late and I ask which company flagged me to request a copy of the report and they failed to disscuss any further info. All they keep saying was I cant disclose why you been restricted all I can tell you is you need to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan was re-financed from Lakeview Loan Servicing to Lakeview Loan Servicing in late XXXX. Prior to closing, I paid the homeowner 's insurance bill and Lakeview paid the insurance bill. At closing, the mortgage broker paid the homeowner 's insurance bill. In XXXX, I received notice from Lakeview that I needed to provide proof of insurance. I told them they already had it. I was told they would attempt to contact the insurance company again. A few days later, XXXX notified me the mortgage company on the policy had been updated. In XXXX, I was again notified that I needed to provide proof of insurance coverage. This time, instead of talking to the insurance dept of the mortgage company, I talked to customer service. The lady looked through my policy and confirmed that the policy number was the same and, based on the documents on file with the company, I had no lapse in coverage. She stated she would be making contact with her boss and several departments to fix the issue. In XXXX, I was notified by Lakeview that the had taken money from my escrow to pay for hazard insurance. I called Lakeview and again spoke to a CSR. I was told that the money had been reversed. I received my XXXX statement today and there is no reversal. I checked the online account and there is no record of the hazard insurance that they wrongfully took from me has been refunded. I have attempted to contact executives from their company and I have had no response. At this point, I feel this company is operating fraudulently, hoping people won't notice money being taken. The amount taken was {$150.00}.

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 2015-10-26
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XXXX and paid in XXXX. It 's being reported on my XXXX and Equifax report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently made a payment to capital one ; they have acknowledged receipt of payment, applied and posted the payment to my account ( the payment cleared my account ). However, capital one refuses to make my available balance available. I spoke to a manager, XXXX ID # XXXX XXXX, FL office who stated the following : - '' capital one has a right to place a hold on any customer 's account, at any time, for any reason. '' -When I asked to speak to his manager he said " he is the highest level of management that I'm allowed to speak to '' and " we operate a little differently here at capital one. '' -I requested for capital one to immediately release the hold so I can access my available balance and he said no and there is nothing I can do about it. The manager then told me to read my credit card statement because it is written in the statement that capital one has the right to place holds on any account, at any time for any reason ; I read my most recent credit card statement and nowhere on the statement is this language included. 
Capital one is abusing their financial leverage ; and at a minimum engaging in unethical, immoral and possibly illegal activity especially in the middle of a pandemic which has created immediate unnecessary irreparable harm to me and most likely other capital one customers! I have been a customer for years and never has capital one received, applied and posted my payment yet refuse to make my available balance available, except now in the middle of a pandemic. Therefore, capital one has an established historical operating track record of posting and applying payments then making said balance available ; the new activity is not established and is a new operating procedure which has never historically been enforced, even if it is in writing. Lastly, nowhere on capital one 's website is there a place to submit complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've recently discovered this debt on my credit report as invalid and requested to have this removed. Security Collection Agency located at XXXX XXXX XXXX XXXX, NC XXXX has been contacted at ( XXXX ) XXXX by both myself and XXXX XXXX XXXX repeatedly with requests to remove this from my credit report and that it was reported in error and paid in full with a XXXX balance. Security Collection Agency is refusing to remove this from my credit report with all credit bureaus causing me to be denied credit. Please help me to have this collection agency to remove this from my credit report. They have refused previous requests from XXXX and XXXX of XXXX XXXX XXXX whom have tried repeatedly to work with me to have this removed.

Company response to consumer: Closed with explanation