BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Someone open a capital one credit card on my name the amount was {$600.00} .i spoke to them they said i have to fill up this form with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE AUTO FINANCE THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30 DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
THIS IS A NON NEGOTIABLE REQUEST FOR HONOR AND PUBLIC NOTICE OF DISHONOR AND INVOLUNTARY SERVITUDE, AND CONSPIRACY TO COMMIT FRAUD UPON THE PEOPLE. I am familiar in the facts of the certificate of title. I am the named party in the said birth certificate. I am named party as me of one of the owners of it. Please take notice update all records that the certificate of title City of New York certificate number XXXX State of New York Secretary of State no XXXX United States of America Department of State no XXXX has been accepted and transferred into Trust. I have beneficial interest in it and I demand a full record of ALL accounting, ALL book keeping entries, all records with NAVY FEDERAL CREDIT UNION ASSOCIATED WITH XXXX. NAVY FEDERAL HAS STOLEN MY PLACE AS BENEFICIARY AND STOLEN MY TRUST AND USED IT FOR THEIR BENEFIT, WHEN IN FACT THEY ARE THE TRUSTEE. INVESTIGATE IMMEDIATELY. I have also declared full acceptance and bonded them to their oath. I come in peace love and light as one of the creators XXXX daughters and heir on the land requesting honor. I have acted in good faith and look forward to a honorable and equitable response.. All rights reserved without prejudice without recourse.. Either you are a part of the problem or PART of the solution. You decided. Be governed accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX sent me a letter saying they will be deleting the account off my report. TransUnion still have them on my 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 2023-03-07
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Investigation took more than 30 days

Complaint:
Good Morning, My name is XXXX XXXX XXXX, I was checking my credit report and I realize there is an error with my address, please update my correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-05-08
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2023, I went on to the Jetblue Barclays website in order to set up a repayment plan for my credit card account, as I received emails from Jetblue/Barclays offering alternative repayment options. I set up what I thought was a repayment plan that would allow me to get back on track after falling in financial hardship due to recent XXXX  XXXX. 

I didnt realize the repayment plan option that was given to me online would close my account as it wasnt explicitly displayed on the site ( also all of the other credit card companies I called that day to set up a payment plan with didnt involved the account being closed ) resulting in me overlooking that important detail.

Im asking that because this error/over-site occurred less than a month ago, that my account be reinstated. Ive worked so hard over the years to build my credit and this would be devastating to my future financial health.

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 2023-05-08
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT
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 contacted both First Interstate Bank and XXXX to remove errors in my credit report many times and they will not remove this account from my credit report. First Interstate Bank has verified this as being correct. 

This account is Account Number as it appears on my XXXX XXXX XXXX dated XX/XX/XXXX Confirmation # XXXX, XXXX FIBANK XXXX XXXX XXXX XXXX MT XXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXXXXXX XXXX XX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with First Interstate Bank ( Error 3 ). This was 24 days after the XXXX XXXX  was filed. FIB claims this was charged off ( Error 4 ). Months XXXX XXXXXXXX This was not a 6 years loan ( Error 5 ) XXXX XXXX  Paid and Closed, If this was Paid off was was it a charge off ( Error 6 ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error 7 ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. XXXX Reported XXXX/XXXX This is 6 years LATER ( Error 8 ). 
High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by First Interstate Bank. By law FCRA section 609 and 611 requires First Interstate Bank and XXXX to report information accurately or remove the account from my credit report. 16 Errors are visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother, XXXX XXXX XXXX, and I, XXXX XXXX were forced into foreclosure in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX MD XXXX. The house is very old, but my XXXX, XXXX XXXX, who has a XXXX lived in the home until XX/XX/XXXX. My mother, XXXX, is his Authorized Representative. The house is very old, but we had to move him into Senior Housing facility because the house was becoming inhabitable and he is not able to fix the house on his own. 

We called in XXXX XXXX to submit missing payments and Wells Fargo would not accept. After starting the foreclosure process, we sought and obtained free legal help from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. We consulted with our assigned attorney regularly and submitted all required paperwork to Wells Fargo. We also informed that we needed the home for our XXXX, XXXX XXXX, who is XXXX, given that we take care of all of his needs and requested that Wells Fargo present us with options to get out of the foreclosure process. 

While all of this is happening, their lawyers harassed us with paperwork and notices of foreclosure sales and property deed changes. We have 3 binders of Wells Fargo foreclosure paperwork to provide CFPB with supporting evidence. 

After many consultations we submitted the appropriate paperwork to receive a MEDIATION. As lawyers continued to send threatening paperwork that we weren't eligible for mediation, we notified all parties that we submitted the correct paperwork. We finally got ahold of XXXX XXXX and were informed that an employee lost the paperwork, found it on the phone, and sent it to the Wells Fargo and their lawyers. At the time our loan specialist was XXXX XXXX - XXXX and XXXX XXXX XXXX. 

They finally received the mediation paperwork ( we have record of submitting it ) they gave us a date of XX/XX/XXXX. It was a remote mediation with our attorney. This mediation is RECORDED. Please find a way to review it for confirmation of statements. Wells Fargo reviewed our financial profiles and stated that because we had decent credit scores and income we could move forward with getting the house out of foreclosure. We then ended the call, said great and moved forward. 

Months later Wells Fargo said that XXXX and I could not buy the house, did not accept our offer, and ignored every email from their further. We were then forced to foreclose on the home and accepted a buyer that redacted the sale on XX/XX/XXXX. 

We need help and we have supporting evidence ( mailed letters, receipts, taxes, bills, administration hearings, title changes, etc ). Please help us if you can. 

Mortgage Loan # 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 2023-05-08
Company: JPMORGAN CHASE & CO.
State: MD
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:
I entered into a payment plan with Chase, for a {$1000.00}. The clearly stated terms were a 12 month plan at {$5.00} a month. 

I made purchases during the current month for {$2800.00} and had returns of {$600.00} ( amounts are approximate ). Rather than apply the credits to the amount owed ( i.e. the {$2800.00} ), the credits were used to offset amounts included in the payment plan and my current amount due is {$3400.00}, despite the fact that only {$2800.00} in purchase were made. 

The payment plans market one type of service ( i.e. pay off over 12 months in equal installment ) and they do not clearly state how credits will offset current amounts. The essence of a payment plan is to help consumers, not make them worse off, as in my situation. Supposedly this located in disclosures ; however, disclosures are not readily available from their site while using a phone. 

I contacted chase and their employees were unable to answer any questions other than this is the standard practice. I had them explain, over a recorded conversation, how credits are not offset against an actual purchase but against a current balance due. This breaks every rule of how credits are to offset an actual purchase, as far as accounting XXXX is concerned. 

From my point of view, the way the credits were used to offset my outstanding balance is a scheme to make a consumers obligations higher than actual amounts due, so that the Chase could potentially earn 1/12 of 20 % interest on the full {$3400.00} due, as opposed to the {$5.00} monthly fee of the installment plan. Again payment plans should help not hurt consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 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 section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: MI
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:
On XX/XX/XXXX, I noticed a {$72.00} charge on my ( Citibank ) credit card that I did not authorize ( dated XX/XX/XXXX ). Through my Citibank online portal, I clicked a linked on the unauthorized charge labeled, " Dispute Charge ''. The next screen was boldly titled, " Dispute a Charge '' prompted me to select a " Reason for Dispute '', and I selected an option labeled, " Charge not recognized or authorized ''. There was no link or verbiage to select any reason that had to do with 'fraud ' or 'fraudulent charge '. I clicked a button at the bottom of that screen labeled, " Continue '', which took me a final screen ( also boldly titled, " Dispute a Charge '' ) that asked me to click another button at the bottom of the screen to " Verify your Dispute ''. After doing so, I received no email, phone or text communications from Citibank notifying me of what I had initiated and what I could expect to happen next. Days later, when attempting to use my credit card, it was declined and I called Citibank to inquire why. I was told that I filed a fraud claim. I explained that I did NOT file a fraud claim, I simply " Disputed a Charge ''. I've called Citibank back numerous time and each time, I'm told that I did not " Dispute a Charge '', but I did " File a Fraud Claim ''. It's my understanding that under the Fair Credit Billing Act, Citibank is intentionally misleading their customers into filing fraud claims without making clear the process for and repercussions of doing so, thus removing my legal right to be made aware of the fraud claim process.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: KY
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 XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 16815-2 ( 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 non-monetary relief