BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
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:
I am bothered! I have been sending letters to the Credit Bureaus requesting t=for them to remove the disputed fraudulent accounts and erroneous information completey from my Credit Report and yet they have failed to do so! I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the FCRA section 605b. This Federal law has been clearly violated by the Credit Bureaus by continued reportingof the disputed items without providing me copies of documentation bearing my signature to supoport both the Credit Bureaus and the Creditors ' claims that the items belong under my name. I am submitting this complaint to remind the Credit Bureuas of theit duty to comply with the FCRA section 605b and remove the following accounts and information completely from 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

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 2018-05-31
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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>> XX/XX/2016

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 2021-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received several phone calls from a ADS company stating that I owed money from an old Wells Fargo account which turned out to be around {$96.00} they stated that the amount was XXXX something dollars after I told him that I didn't know old {$9000.00} they told me they were gon na go ahead and follow a lawsuit with the state XXXX XXXX XXXX  court and go forward and do a lein on my account. They had all my information all my known address zip code address even my social security and they wanted me to go ahead and pay them fee of {$900.00} to remove the XXXX ' they went ahead and charged my XXXX account and took away the money

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 2021-11-16
Company: CITIBANK, N.A.
State: GU
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received an auto notice for my Macy 's statement, but the link does not work and I have been unable to review my statement or make payment online. About a month later, I received an email and phone call from Citibank stating that I am delinquent! 

This is actually the XXXX  time this has happened to me. I have tried re-registering the card online, but it says I am already registered. 

I have tried to find an email address for Macy 's, but no luck. I have called and just get transferred from one voicemail box to another. 

I paid my balance online to avoid delinquency on my credit report, but I still don't know what that payment is for. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NY
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 is willfully breaking federal law by not processing at all my credit card dispute ( including not even contacting the merchant ) for which I had given written and pictorial evidence to them by their prescribed deadline of XX/XX/XXXX via their online portal link ( and in fact the email to their online portal gave me 2 weeks from XX/XX/XXXX to submit my documentation- but at any rate I did submit my document before Midnight EST on XX/XX/XXXX ). Due to either technology mismanagement at Capital One and/or XXXX animus by totally disregarding any evidence provided by people of XXXX, Capital One believes they are totally exempt from abiding by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Maury Cobb, Attorney at Law, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to charge me a fee of XXXX dollars. Which is an unknown charge to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a savings account with HSBC. I was credited for onl y 1  transaction for a fraud complaint that had more than one transaction. I stated to  HSBC  VERY CLEARLY that fraud occured on my account and I was transferred to the " ACH '' department because the rep insisted I do so because it was an ACH transaction. First, HSBC tries to tell me I didnt file within the 60 day time frame. FALSE. I filed this fraud complaint within the first week I saw the fraud. Secondly, I spoke to  XXXX   XXXX ,  manager  of the ACH department who tells me I need to goto the fraud department.  <P/> A little background on my conversation with  XXXX . First point of contact on     XXXX   XXXX   XXXX      . She proceeded to tell me that  HSBC  was in the wrong and that I would have my credit adjusted that day and she would call me back. No call back. I call on     XXXX   XXXX   XXXX        ( today )  and  XXXX  gives an excuse why she did n't call me after she told me should would no matter what yesterday. Now she tells me i need fraud department? Really? She stated because I said it was fraud from the get go. Then she tells me no, this is the UNAUTHORIZED department. what? unauthorized department? yes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: WA
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:
Hello I hope all is well with you. On XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX  account is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: NC
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:
In  XXXX , my wife and I sent the attached letter to Equifax, requesting them to investigate errors on our credit report. My wife received her response 2 months ago, with the results of her investigation, however I have not received anything back from Equifax. I have even written Equifax multiple follow-up letters, but they will not send me the results of my credit investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage  Lender  is reporting Foreclosure Status. This home has never had a Foreclosur e Sale Date (  it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.  <P/> Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure  Sale Date on Calendar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: CA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I reported the card stolen as soon as we were alerted on XX/XX/XXXX. Citibank did not do a thorough investigation and saying that given it was using a chip reader, we made the purchase and not crediting back XXXX XXXX They are saying no one can clone the card and other nonsense. They want us to provide the proof we did not make the purchase. 
I have spent countless hours. There are other charges we legimately bought stuff and make regular payments. This is the first time we are disputing as the card was stolen,. Please help

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 2019-08-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX XXXX - - Court US BKPT -  Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual I have called the courthouse and the clerk stated that they don't verify information with the credit bureau. I contacted XXXX   XXXX XX/XX/2019, spoke with a rep that stated that the information was put on by the creditor, I asked her who is the creditor and she stated the US Bankruptcy court, which the court advised me that they don't verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Each month my payment is sent from XXXX XXXX between the XXXX and the XXXXThe loan is {$1300.00} each month, I started sending {$17000.00} about 3 or 4 months ago, I had been sending {$1600.00} before that. Before my account. was sold to this company, I never had trouble with the additional payment. Now I am being charged late fees for using thier payment plan. I have the loan thru a loan company. but a collection agency handles the account. LOANCARE XXXX. XXXX XXXX XXXX XXXXXXXX, VA XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX, VA XXXX XXXX A charge of {$51.00} for late fees.

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 2021-11-16
Company: First Technology Federal Credit Union
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
First Tech was notified that I was permanently XXXX when I attempted to settle the debt for less. The amount that I was able to pay the credit card was {$2500.00}. This amount is the most that I could obtain and yet they advised me to contact them at another month to see if the offer would be accepted. They advised me that not paying the credit would have them attach my social security payment and cause futher damage. The account was sent to a third party who is not willing to honor what First Tech advised and threatend to make my credit worse and inclusive of law suit.

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 2022-08-25
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: Their investigation did not fix an error on your report

Complaint:
The inaccurate accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Accelerated Financial Solutions, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today i went to apply for credit and was told I owed a balance to a company. I called the company and I was told it had been sold, I had to call 3 phone numbers before getting the correct company. I left a voice mail and received a return call. The woman stated she spoke to me on XX/XX/2018 and validated the debt and mailed me the documentation. I advised I did not recall the conversation however I have a lot of things going on. The woman gave several different company names which I never heard of. Sh than said XXXX and I told her I never purchased from XXXX. She said I purchased beds and had old ones removed. She game me a address and I explained I did not live there at the date she was providing. She also stated I paid in the store so that proved the debt was accurate. I advised anyone could have signed my name and she disconnected the call. I called the company back to make a complaint and I was told they would not speak to me any more that they were going to put it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have  two  accounts with  Capital One  that are past due, they flat out refuse to help in anyway, shape or form! I was on an " early assistance '' program, that ended and now I can not pay the bills. They wont let me go back on it, they said my accounts are not qualified for a collection status at all. They wont lower payments or interest rates at all.   I have several other credit cards that have eliminated the interest rates  COMPLETELY f or 6 months, and capital one a multi-billion dollar company flat out refuses to do that!!!!  <P/> And none of their " kids '' are trained at all, I was transferred to so many departments and they all had no clue about my account at all . SO FRUSTRATING.  I want those two accounts on a program that eliminates the interest totally and lowers the payment.  <P/> And their " automated " system doesnt work at all, it was supposed to transfer me to collections, and it takes you wherever!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
X/XX/2017    KeyBank automatically tranfered money from my checking account to my saving account but the transfer is only to happen if the funds are there fund were not there but they tranfered anyway causing a negative balance in my account then they processed to charge me overdraft fees five totally they would only refund two of those they caused the overdrafts but refused to make it right Im being robbed of my fund because of there transfer that they did knowing the funds where not there tried to work it out with them but they say they cant do anything else all I want is my money back from there misstake

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 these account listed immediately! you are housing false information on my credit report. If the accounts arent removed I will be following suit with Monterey demands.

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