BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Capital one 360 charged me for a XXXX concert that never happened on XX/XX/2021. CAPITAL ONE REFUSED TO REFUND MY MONEY. For a concert that was cancelled last year in 2021. Then charged me a overdraft fee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 2022-02-15
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I called the following credit reporting agencies Experian, XXXX and XXXX to request that unauthorized inquiries be removed from my credit report. 

The customer service representatives were not helpful. I want these inquiries deleted from my credit report. 

A. XXXX XXXX XXXX, XX/XX/XXXX B. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX AND XX/XX/XXXX 2021

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 2022-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, 2017 all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.

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 2016-09-30
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just received a 'notice ' from Seterus stating, " Thank you for your recent request for assistance ..., while your request was carefully considered, your loan could not be approved ... ''. I would simply like any sort of proof that I ever asked for any sort of such assistance from Seterus. I have asked to provide information and validation and authorization that Seterus is the servicer of my loan, and those many requests are well documented but after approximately 6 months, Seterus still has not provided anything legitimate or legal but yet continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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:
I filed a dispute twice with Experian on a Department of Education collections account that I insisted was out of date/inaccurate/ or possibly fraudulent based on my multiple calls with DOE and my loan servicer XXXX  , who said no such collections account existed under my SSN and that the loan in question had been canceled in 2007, and was unequivocally not in collections now. Experian quickly " investigated '' my 14-year old canceled loan and closed both my disputes within 24 hours by saying that DOE verified the information about it being in collections, that all was correct, and then they ( Experian ) updated my 14 year old loan to a brand new " in collections '' status with some horrible derogatory remarks added and plunged my credit score by 40 points overnight. I immediately called the DOE myself to demand how on earth they could have confirmed non-existent information to Experian, when they ( DOE ) themselves said multiple times the collection account doesn't exist. They had no idea and were just as confused as I was. They had me open a case with the DOE Ombudsman, which is still ongoing. Nobody had any idea what I was talking about in regards to this Experian decision ... I just did NOT exist as a collection/default account. There was nothing DOE could do for me. I suspected fraud for a while. At least ten more increasingly desperate and emotional calls from me to Experian finally unearthed the answer : the collections account being reported in my name was under the wrong social security number. That's why nobody at DOE could find it. Experian had never bothered to check that the SSN they had on file for me matched the one the collections agency was reporting it! All they did was just re-report the wrong data from the creditor and destroy my credit. They verified nothing that they had promised to investigate. I have re-opened the dispute, although they say it is now up to DOE to fix their reporting and " stop sending them bad info. '' I am incredulous that Experian weilded their considerable power to destroy my credit by missing such an obvious and basic error like an incorrect social security number on a reporting account from a creditor. I have all the proof I need to fix this, but I wish I could go back in time ... if I had never disputed the bad info, I would still have those extra 40 points on my score. I would have just let the bad data stay on instead of going through this XXXX. How is this fair credit reporting?

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 2018-12-19
Company: Professional Credit Analysts of MN, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

also please remove these account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the two accounts froms my credit report!

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor

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 2022-07-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir or Ma'am : In late XX/XX/2022, I deposited a check from XXXX company for over {$73000.00} into my Saving Account with Chase bank. This was physically deposited with the branch in XXXX XXXX, XXXX. I was informed by the teller that due to the amount the check would be held for XXXX weeks and be available to me by XX/XX/2022. 

A week after depositing this check, I received a letter from Chase bank saying my savings account would be closed in the near future and to call their customer service for further information. I contacted Chase bank and was told the account was flagged due to the large amount and the check would have to be physically verified, by contacting the issuing company XXXX XXXX XXXX. I was told this would happen by XX/XX/2022 and that everything should be okay and the account would not be closed. 

On XX/XX/2022, I had not received any further information from Chase bank about the saving account, so I went to the local Chase branch and was informed that not only were there no funds from the check but also the saving account had been closed. The branch advised me to contact Chase customer service. 

I called Chase bank customer service and finally was directed to the fraud department. The fraud department said the check was being held, my saving account was closed, and that the check had not been validated or any attempt was made to validate the check. It was Chase bank 's policy to hold checks and not release the funds unless the checks were validated by a phone call to the issuing company. I was informed it was not Chase bank 's responsibility to go beyond a cursory attempt to verify checks and that Chase would not communicate with the customer if their account were closed or a problem developed in verifying the check. 

I was informed that I needed to contact the company that issued the check and finds out who can validate it, then go through Chase to have them contact the issuing company to confirm the validation. 

I find this policy of Chase to be in the company 's best interest and harms the customer. I was not informed the account was closed or contacted other than the initial no descript letter, that there was a problem. In the multiple calls to chase, I was hung up on XXXX times, spoke with about 12 people, and waited over and over to speak to individuals who in the end could not assist me or re-open the closed saving account or release the funds that I in good faith deposited into my Chase savings account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: C/C Financial
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing Preferred Lease as I now have a better understanding of my rights and violations of FCRA and FCDPA. I had contacted preferred lease in XX/XX/2020 about declared disaster and loss of work. I was told I would have to speak with a manager. Missed the managers call and called back the number left on voicemail which didnt work. Im not sure if it was a personal number. Eventually I got a hold of the manager who was rude and threatened that Preferred Lease would ruin my credit. They also would not work with me as I had one last payment before dismissed from work. I sent in all the information to the email the manager provided with no response or correspondence. Even at this point I have not received any correspondence from Preferred Leasing. I did NOT receive any mail about the bill due either and that it would be hitting collections. I have received no contact from the company and have been ignored. 

Please delete the account from all three credit bureaus as this was during a declared disaster, the manager threatened that Preferred Lease would damage my credit ( listen to your recorded lines ), and I have not received verification of debt. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion has not allowed me to freeze my credit report at no cost, is insisting on users buying TrueIdentity plan to freeze credit. TrueIdentity does not freeze credit reports.

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 2022-02-15
Company: EQUIFAX, INC.
State: AZ
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:
The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I noticed an erroneous account on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( TransUnion ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to TransUnion in which I dispute this account on XXXX XXXX, I asked them to provide the evidence of verification that they obtained during their " investigation '' -- which they have not responded to. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to TransUnion regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letters were sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as it is NOT a verified account it must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct TransUnion to remove this unverified and erroneous account from my credit history.

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 2018-08-07
Company: Lending Club Corp
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Upon checking my credit score i noticed a loan for XXXX from a company called lending club corporation i have disputed this account with all 3 credit bureas and XXXX and XXXX  removed the account but XXXX has not removed this account from my credit account XXXX provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my XXXX score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened may XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my XXXX  credit account or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ally financial has terms on my loan that violate the law 15 U.S. Code 1615 which prohibits using rule XXXX on loans with terms greater than 61 months.

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 2022-07-15
Company: EQUIFAX, INC.
State: SC
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:
My rights as a consumer have been violated. The companies below are in violation and the violations needs to be addressed. XXXX XXXX {$460.00}, XXXX XXXX- {$450.00}, XXXX. XXXX XXXX {$4000.00}, XXXX XXXX- {$260.00}, which is still showing a balance, monthly payment, past due, and the last date of payment is XX/XX/2016. the Statute of Limitations for the state of South Carolina is XXXX years for a collection/charge off account. I have not received a 1099c for this debt. XXXX XXXXL- {$52.00}, is a HIPPA violation for third accounts placed for collection.. XXXX XXXX XXXX XXXX {$460.00}. XXXX XXXX XXXX- {$700.00}. 15 USC 1681 ( a ) ( 4 ) - states that accounts for collection or charged to profit and loss which antedate the report by more than seven years. 15 USC 1681s-2 ( B ) ( i ) - states that the person has been notified by consumer at the address specified by the person for such notices, that specific information is inaccurate. 15 USC 1681b ( a ) ( c ) ( 2 ) - states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In the accordance with the written instructions of the consumer to whom it relates. 15 USC 1681a section 603d ( 1 ) the term " consumer report '' means any written or oral or other communication of any information by a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used to collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) exclusion ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violation. Transactions between the consumer and the person making the report, and utilizations are experiences and they are a violation..

Company response to consumer: Closed with explanation