BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts 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 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a car pre-approved loan with Capital One. I purchased the car in XXXX XXXX XXXX. Capital one gladly financed this car at XXXX percent for 72 months. The finance amount is {$17000.00} and the amount financed was {$26000.00} the total payment was {$43000.00}. I put {$10000.00} down on this car. 

I currently have three credit cards with Capital One. A business car in the amount of XXXX. I have XXXX personal credit cards equaling the amount of {$700.00}. 

Capital One asked for a large amount down to show my vested interest in the vehicle. On my credit report with XXXX, XXXX, and XXXX it does not show the amount of the car is {$43000.00}. 

It is my firm belief, Capital One is conducting unfair lending practices. If I have creditworthiness for purchasing a vehicle. I should have the same type of creditworthiness as a personal guarantor for my business. 

I have called them on several occasions to ask why is Capital One not working together to give me the best deal on my Credit card. I asked them to lower the interest rate on the car. Yet, Capital One refuses to give me an answer from their call service division. 

My business is worth XXXX with collateral. However, when submitting the paperwork Capital one does not take any information into consideration. I would like for them to give a written answer to their practices. I have not missed any payments on my Capital One Spark Card. In some months I have made three payments. 

I have called Capital One to request the reason for their decision to not afford my business credit card a higher credit rating. XXXX is the latest call made to Capital One Business Credit card. 

I have equally requested for Capital One to report the correct address on my business card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. 

No explanation given

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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 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 2021-12-13
Company: Experian Information Solutions Inc.
State: WA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2019-03-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Complaint, Resolution needed Consumer of : HSBC, XXXX XXXX XXXX., New York, NY XXXX Good Afternoon : After a very cumbersome account set-up process, over the course of several weeks, including endless codes and security measures resulting only in a loss of my time, HSBC has now blocked my account online and is using " security '' as justification for terribly deficient service. And the account is anything but secure. On XXXX, I was finally able to access my account online. While I was in the system, I changed my address. It was not critical, as I elected online access, but when we move we change our addresses. On XXXX, I received an email with a verification code and was asked to call. I did and eventually was able to provide this to the representative. He then abruptly moved the " goal post '' asking if he could call me back to verify. The code was unusual, this was more unusual. I gave him my new phone number, entered into the system by me, computer addresses are recognized now, the night before. He returned my call only to tell me he would have to send verification to my old phone number or, as I learned, there is a phone number ending in XXXX in the system -- not mine or one I have any knowledge of whatsoever. What happened to the security code? I later talked with his supervisor who went into an interesting explanation of address verification via credit reports -- as if we check in with credit bureaus before changing addresses. To date, HSBC will not change my phone number or address and claims that they can only verify the address change using a phone number that is no longer mine or the one that was never mine ( ending XXXX ). Today, they continue to completely block me from my account. I see online that people are withdrawing their money from the new accounts without the promised promotion -- and I'm sure the withdrawal is no easy task. I need your help resolving but I do hope you will also keep in mind that they may well be leveraging government " money laundering '' concerns to hang on to assets, that I can't see, and as a distraction to paying promised promotional monies ( my exasperated neighbor was told that they would not be receiving a {$400.00} promotion because of some obscure problem with the online application ). 

Thank you for assistance, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-09-21
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX CARD Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  CARD Account Number : XXXX XXXX CARD Account Number : XXXX XXXX XXXX Account Number : 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 2019-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX provider and Bank of America. I subscribed for a limited channel after 3 months the rent was increased for reason of more channels. I declined, telling them I do not need any more channels to watch. They continue charging me more so I CANCELLED the service in XXXX. In XXXX they charged me {$99.00} for unreturned equipment. I asked ( phone and tru E-mail ) them what kind of equipment. I took them a long time for the reply. They finally told me it was the XXXX. On XX/XX/XXXX I sent it back thru XXXX. and went to BOA office in XXXX XXXX, Ca. to dispute the charged of {$99.00}. On that day Financial Officer of BOA called XXXX  and told them the the XXXX was returned by XXXX  and gave all pertinent info including the tracking number. XXXX   agreed to reversed ( CREDIT ) the charged.XXXX promised the credit in 2 weeks. XXXX   still pursue to charged me {$99.00} for unreturned equipment that I returned in XX/XX/XXXX by XXXX. From XXXX XXXX XXXX I have called BOA ( 4 different times ) giving them info about the receipt from XXXX. I am very angry with BOA. We have 3 accounts and mortgage account with them and they are not helping me as customer, instead siding with XXXX. The charge of {$9900.00} for " unreturned equipment '' is unethical. I really need your help in resolving this UNETHICAL CHARGED. Thank you and I am grateful. 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 explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Wells Fargo extended a line of credit for {$8000.00} on XX/XX/2022 in the form of a Wells Fargo Visa Autograph Credit card. Wells Fargo decreased my limit to {$300.00} based on hearsay utiilizing a credit report that is not actual or factual evidence. Wells fargo failed to Clearly and Consciously disclose the terms to me which is a violation of a federal law. Wells Fargo failed to make sure I understand truth and lending. Wells Fargo has breached contract. 
Wells Fargo reason for the decrease was based on adverse information on a 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 2022-01-21
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2023-02-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I applied for a credit card with XXXX XXXX and was informed that i was denied a credit card ( with XXXX ) because my credit score was bad- and that i had delinquent payments on credit cards. I knew that this was not the case because i am very diligent of my finances, and have more than enough cash at hand. 

Upon arriving back from my vacation on XX/XX/XXXX, I looked into my credit report with XXXX XXXX ( my bank ) and realized that i was a victim of Identity Fraud with 2 fraudulent activities. 

1. TD BANK credit card opened under my name in XX/XX/2022 XXXX. Line of Credit with XXXX XXXX which i never requested to have. 

I am currently in the process of rectifying all these false charges and contacting the 3 credit agencies to figure out how to rectify these matters. As i have never had to go through identity theft before. Please Help me rectify these false charges and fix my credit score. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXXXXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: CREDIT ACCEPTANCE CORPORATION
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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, XXXX, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : Credit Acceptance-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and XXXX and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking XXXX to court and will be filing a lawsuit.

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 2017-07-28
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not mine. It is showing up Transworld Systems INC from a hospital called XXXX XXXX. Please have Transworld Systems INC remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$33.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

Company response to consumer: Closed with explanation