BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2020-01-01
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019 I went into XXXX in XXXX IN to purchase a jacket for my son i went to self check out to expidite my purchase i swipped my card and the message said contact the instituation. I did it two more times because i didnt understand what was going on so i grabbed an employee to assist me on her register it said the same thing i called the company and waited on the line while holding 20+ mins the WAY 2 GO card rep ( Conduent XXXX ) stated '' the system doesnt show that you even tried to use your card ''. For four days i was denied access to my own funds from ATM 's stores over and over again. I was mentally drainned i was emotionally destroyed my children and i suffered tremendously being denied access to my own personal funds. After calling and filing complaints i got a call from a WAY 2 go rep claimimg they were going to deal with the situation and they have failed to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Recovery One, LLC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hand chip in window, went to XXXX to repairs. According to Kentucky law chip window is covered and pay through the state? Im a resident of kentucky but didnt receive my Kentucky plates yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
sent out my a letter XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 


According to the law 15 U.S. 1681- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
When I had gotten this card, I was in a relationship with someone named XXXX XXXX, He was from Virginia. There was a few instances, When my mother or i were not around, he would sneak our credit cards and use them to purchase video games, or even additions to mobile app games like XXXX XXXX, or desktop games like XXXX XXXX XXXX. I had paid my mom back for the {$300.00} he used her card for. However about half a year down the road when i went to work ( Worked at XXXX for the summer of i believe it was XXXX ), He went and used my Capital One card, and maxed out all of the {$300.00} limit on it, When i advised the company it was not me, they simply said it was " my fault '' and that i can not do anything to dispute the purchases, the only reason I did not do anything about it back then is i was in my early XXXX, How could I know where to start? However I am now in my XXXX and recently found out I can submit complaints about these transactions. Over time the amount due has risen to {$460.00} under the last 4 of the account number of XXXX for XXXX Capital ONE bank USA N A. I have talked to them multiple times but they still said it was my fault, and that I need to pay it. I am now XXXX, Looking to get married to my fiancee, and buy our own house. This is dragging my credit down so far because the company will not listen to my story. I need this fixed so I can support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My XXXX financial account has two months reporting as late payments which they are not, my accounts are on autopay so these late payments are incorrect and need to be updated in my credit reports. The account is XXXX the months reflecting on my report are XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: F.H. Cann & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
F.H. Cann & Associates , Inc. is not reporting on my credit report. They are continuously calling me about this allege debt. According to 15 USC 1692g they are in violation because they never validate this debt. My name is not XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am not sure who account this is but it is not my account and this is a fraud account. Any information that is not accurate can be disputed and it will not stand because of its inaccuracies. I am well aware of my rights and the laws. After carefully looking more into this I now can understand how my rights were violated many times. FHC is violating several laws by harassing me which is 15 USC 1692d, communication with while I am at work 15 USC 1692 ( B ) ( C ). Abusive practices which is a violation according to 15 USC 1692a. Calling me about this allege debt which is false and misleading which is a violation according to 15 usc 1692. F.H. Cann Associates is a violation of 15 USC 1692 f ( 1 ). I have attached my Affidavit of Truth, ID, and my invoice for violating my rights. F.H. Cann & Associates threaten me to call my job and garish my wages on an account that is fraud and not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
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:
RE : Account XXXX XXXX XXXX XXXX Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus Transunion and XXXX, and you have been able to verify this debt. How is this possible? This is not my account! 

I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to purchase a home and get a credit card.

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

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 2022-01-24
Company: EQUIFAX, INC.
State: CA
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:
XXXX, Equifax, and XXXX XXXX have all been intentionally collecting and giving out my private information of my private consumer credit without my consent which violates the California Consumer Privacy Act ( CCPA ). Much of this information has been negative and reported falsely, all of which is intentional. I have sent communication to XXXX, Equifax, and XXXX XXXX in the past with no success as they did not remove the negative information which in turn restricted me from accessing my own consumer credit. These numerous reports have negatively affected my credit scores which inhibited/restricted me from moving freely and accessing my consumer credit. This describes adverse actions committed against me which also violates the Truth in Lending Act ( TILA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: JPMORGAN CHASE & CO.
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:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the JPMCB account also known as JPMorgan Chase Bank in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Scam perpetrated on XXXX XXXX in afternoon. Alleged shutting of power off. I am a XXXX XXXX XXXX XXXX XXXX retired and shutting power off is alarming. XXXX used to pay alleged non payment of {$730.00}. Live Bank of America Associate in Fraud Protection talked to me within two hours of event and told me I had addressed scam timely and transaction would NOT go through. 
While reviewing my account online on or about XXXX XXXX, I saw a withdrawal of {$730.00}. I immediately called BOFA and a scam number was established. 
I have since visited branch banks four times in person in two municipalities and spoken to BOFA associates working at home in XXXX ; Tennessee ; Texas ; and P.A. Just to name a few and spent over 40 hours on hold over the phone cumulatively. 
I was given XXXX XXXX XXXX to email ad head of customer service. Website identifies her ad President of Retail Banking. She has not returned either email. 
One Associate by phone told me the perpetrator received the money at XXXX XXXX and suggested I go there which I didXXXX XXXX rightfully told me it was BOFAs responsibility so I again visited a BOFA branch bank. No results. 
Help please! These are sophisticated criminals and I will make an excellent witness for the prosecution. Lets get them and get me the hugely needed funds!

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 2018-02-10
Company: CORELOGIC INC
State: NJ
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 received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX XXXX XXXX/Credco Corelogic/Credco The only banks authorized them to do what they needed were XXXX  XXXX XXXX and 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-17
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 XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts/items are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts/items for me to review the exact date on which the negativity was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
Inaccuratye Addresses : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, and please investigate this. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX 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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One dismissed my dispute, citing XXXX 's requirement that a second opinion ( for an unused, non-operative pushmower ) be provided. 

XXXX 's Return Policy has no such requirement. 

" Outdoor Power Equipment Mowers, chainsaws, generators, pressure washers, trimmers, blowers, etc. must be returned within 30 days of receiving the product and must be unused and in original, unopened, undamaged, factory-sealed packaging. '' XXXX XXXX XXXX  [ REFERENCE prior CFPB Complaint ID XXXX ]

Company response to consumer: Closed with explanation