BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
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 {$0.00}, {$4700.00}, {$0.00}, {$2800.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

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

-- XXXX XXXX 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2023-06-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a bank account with Fifth Third Bank. Due to my medical condition, I was unable to check my account and discovered fraudulent charges had been made, causing my account to go into the negative. Instead of assisting me, the bank closed my account, claiming it was overdrawn. However, they failed to take into account that I was in the hospital and that there were fraudulent charges on my account. 
My banking details are as follows Account Number : XXXX Fraud charges details XX/XX/2023 -- - {$100.00} XX/XX/2023 -- - {$480.00} XX/XX/2023 -- - {$200.00} XX/XX/2023 -- - {$100.00} XX/XX/2023 -- - {$100.00} I noticed that all the charges on my account are from a company called XXXX XXXX. However, I did not make any transactions with this company and never authorized them to charge your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Acra Intermediate Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Made my full payments up to XX/XX/XXXX. The full XXXX payment was wired to Citadel.This payment was for principal & interest, but instead Citadel applied part of payment to late charges without my consent leaving the payment short. I spoke to a supervisor who said she reversed the payment making my account current thru XXXX. I then applied for a 3 month mortgage assistance for XXXX, XXXX and XXXX. I expect my next payment to be due XX/XX/XXXX. This is just a deferral of my payments not forgiveness. Citadel said they would place the 3 month payments at the back of the loan. I spoke to Citadel on XX/XX/XXXX and the payment had not been reversed as the supervisor had told me. They told me i was due for XXXX & XXXX, XXXX. This is totally incorrect and needs to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I learned that my checking account with Bank of America was overdrawn. As a result, I was charged at total of {$140.00} in overdraft fees. I've banked with BofA for 2 decades so, I called them first thing the morning of XX/XX/XXXX and explained to them what caused the error and that I would fit it today. I rarely ever had any overdraft fees. I asked them to refund the fees as times are very hard right now. Instead of refunding me the full {$140.00}, Bank of America would only refund {$35.00}. This is such a disheartening and disgraceful response from a bank that repeatedly reaps the benefits from Federal assistance during COVID-19 and they make all these grand statements about how they are " here to help customers '' during this time.

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 2023-06-15
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
As of XXXX XXXX, XXXX has been reporting Unaccurate Unupdated Information from an Nelnet account by the department of education XXXX has have been continuing to report and identify on my credit report these late payments and debt accounts to XXXX. They have not stated that this debt has been sold to another company. In addition, they are also reporting an extreme and hindering late history. I have continuously disputed this matter only to receive more errors on my report. I spoke to the other credit bureaus and they have updated the information on the report. May some one please assist me in having this issue resolved. I want only factual information reported on my report. My account opened XXXX XXXX and was closed on XXXX XXXX. I do not owe them any debt or have outstanding late payments to this company Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XX/XX/2020 I sent 2 dispute letters each to Experian, XXXX, & XXXX. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
Experian is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus

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 2023-05-28
Company: EQUIFAX, INC.
State: PA
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 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 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 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Identity Theft & Fraud, that was never blocked, these accounts were joint accounts with my husband, on my account. Duplication accounts, Inaccurate accounts. Account Information incorrect, on loan balance, payment amount.

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 2023-06-15
Company: Applied Data Finance, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They disclosed all information to a relative i.e. my personal information Date of Birth, SSN, amount owed and didn't try to verify any information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
Please see the attached documents regarding my complaint against TRANSUNION. They are reporting a late payment when I have proof that the account was paid on time, and there is a finance charge on my sales contract so there is no way that the account can be considered late. The account is XXXX XXXX  XXXX. I also filed a CFPB complaint against XXXX XXXX  in which they have yet to respond or provide validation so this should not be reporting on my credit report. Please see the attached letter that was sent to Transunion last month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit bureaus are not updating information from creditors in a timely manner nor scores are updating even after on time paid accounts with decreasing in balance. I dont feel Im being credited fairly for payment performance to creditors. I feel this is some type of credit discrimination. We the people count on these credit bureaus to update an be accurate In a timely manner. Disputes are going unnoticed as well. Please ensure the credit reporting agencies are doing their job in a fair way towards consumers. 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 explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested Capital One to process my payments promptly or change my due date and they refuse to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit bureaus are not updating information from creditors in a timely manner nor scores are updating even after on time paid accounts with decreasing in balance. I dont feel Im being credited fairly for payment performance to creditors. I feel this is some type of credit discrimination. We the people count on these credit bureaus to update an be accurate In a timely manner. Disputes are going unnoticed as well. Please ensure the credit reporting agencies are doing their job in a fair way towards consumers. 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 explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, 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:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements.

Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
2 credit accounts were opened in my name with the credit limit of {$500.00}. My credit accounts were supposed to be frozen and I was in the midst of a bankruptcy when these accounts were opened. I did not open these. 
I spoke with a representative at XXXX XXXX XXXX and reported this as fraud and they assured me this would be taken care of. I have yet to speak with Capital One. I just noticed this fraud today and will be speaking with someone after I file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called Aspire ( XXXX XXXX XXXX about my being affected by COVID-19 and not having income to pay the monthly amount due. The following day, I received an alert for the credit bureau that the card was closed. Assuming it was a mistake, I called and was informed that my card was permanently closed because it was over the limit. 

I have called several times and to no avail my account will not be reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-20
Company: Experian Information Solutions Inc.
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:
" Resident Verify '' and " XXXX XXXX '' is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian, XXXX, and XXXX consumer report on XX/XX/XXXXXXXX   and XX/XX/XXXXXXXX   without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Resident Verify or " XXXX XXXX '', Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

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 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 booked a trip through XXXX on XX/XX/XXXX of last year to go on a trip for 4 to XXXX, XXXX on XX/XX/XXXX. The whole trip including flight, airfare and hotel was {$35000.00}. XX/XX/XXXX XXXXurricane Dorian ( category 5 hurricane ) hit the XXXX and sat there for several days destroying the islands, hotels and the airport was under water. Flights couldn't go in or out for weeks. We decided to cancel our trip on XX/XX/XXXX as no flights were going in or out of the country. We then received a notice from XXXX that we would only be credited {$1000.00}. They charged us {$100.00} cancellation fee for the hotel room even though the hotel didn't exist anymore and told us our flight was non-refundable. I immediately contacted Capital One to dispute the charges as I had paid with this card. Capital One reached out to XXXX and XXXX advised they would give us a flight credit with XXXX XXXX that had to be used by XX/XX/2020. Capital One then dropped the dispute and closed our case. In XXXX of this year we began planning another trip to use our flight credits with XXXX XXXX before they expired. That's when COVID happened and XXXX closed its doors. Their website said to dispute the charges with my credit card company but because I had already done that months before it's Capital One 's policy not to reopen the case. We also contacted XXXX XXXX but they said that XXXX  still had our funds and there was nothing they could do- it had to be handled with XXXX . Now we're out an additional {$2400.00}. Please help us resolve this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a subscriber to Equifax monthly 3 Bureau credit monitoring service which costs $ XXXX month. Since XX/XX/2019 Equifax has not updated my report. I have called Equifax numerous times since XX/XX/2019 attempting to get this problem fixed ; despite numerous assurances and many long hours on the phone with Equifax, they still have not corrected this problem. Furthermore, I am unable to unlock my report as well. 

This problem needs to be fixed, my report needs to be updated. 

Also, Equifax needs to refund the monthly charge ( {$19.00} ) for the product they billed me and did not deliver.

Company response to consumer: Closed with monetary relief