BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello, I have been calling, and sending letters to Capital One credit card company for over 6 months up until XX/XX/XXXX. I called Capital One on XX/XX/XXXX and spoke with an agent about the XXXX late payments on my credit report, I asked why were they reported, and the agent responded that the payment was made on the XXXX, or XXXX when the due date is the XXXX of every month. For those 3 months XXXX, XXXX, & XX/XX/XXXX, I called the company and let them know that I wasn't receiving my entire paycheck because of the pandemic. I was making payments but not the full amount. After the XXXX late payments, I have never been late known after. My account is still open and is in good standing. Also, the agent has removed a late payment and refunded my account for the late payment I was charged, and she was unable to do the others because the date was over 60 days, which is not true after reading the consumer law. All 3 credit bureaus are reporting late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2023, my private student loan provider XXXX, was supposed to take a scheduled payment from my bank account as they have in the past. XXXX sent XXXX test payments to our bank account to confirm there were funds available. There were funds available in the account. This is verified by our bank statements. The company XXXX never completed the transaction. I called the company and ask why they did not take the payment. They said there was an issue at our bank. I contacted my bank and talk to the bank XXXX XXXX XXXX, who confirmed it was not an issue on the banks en, that the issue was the company XXXX never actually pulled the funds. As a result of XXXX not pulling the payment this is now reflecting as late on my credit report. I have attempted to talk to XXXX several times to resolve this issue, they have not been able to resolve after being told there were retractions to credit reporting. The retractions have not taken place. It has been roughly 6 months and my credit is effected by their error. I have documentation from my bank including a statement from the bank XXXX stating the issue was not mine or the banks but the issue was with XXXX not taking the payment from my account. 
Attached are bank statements showing XXXX sent test payments to my bank but never pulled the payments. XXXX admitted THEY MAY HAVE HAD AN INTERNAL ERROR ON THEIR END by not pulling the payments. This is something I have no control over and should not be responsible for their internal errors. Once I submit the payment it is up to the company to take the payment from my account. My account reflects available funds. Also attached is a short summary from my bank XXXX who also confirmed our bank account was active and did have the funds but it was XXXX who neglected to actually pull the payment.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. The following items must be updated or deleted immediately for they are greatly harming my credit : 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX XXXX XXXX XXXX gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the XXXX resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXXXXXX XXXX  engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Nelson Cruz & Associates LLC
State: GA
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:
I am writing to dispute the following information in my file. Nelson Cruz by way of XXXX XXXX has applied a falsified account to my credit file. This account was fraudulently created in my name and I am unaware of its existence. I am requesting that Nelson Cruz by way of XXXX XXXX have the item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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: Account information incorrect

Complaint:
Dear CFPB : I am contacting you with regards the reporting practices that I have been plagued with by Equifax. I have had accounts deleted and was not notified within 5 business days and when speaking with someone they told me sorry the mail is slow. Yet the date sent was far past the five business days. I need the late accounts removed as well. I have contacted the furnishers and have not replied. If I can get your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with XXXX, Equifax, and XXXX on XX/XX/2023 about a few items they are inaccurately reporting on my credit report. I have disputed these accounts with the credit bureaus and directly with the creditors multiple times all of which was not properly investigated by the credit bureaus and the items remained on my credit report. 

The accounts that were recently disputed were : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All 3 credit bureaus are reporting different dates for the date the accounts were opened, the dates the accounts were last active and the dates of last payment. All of these dates are inaccurate. I am entitled to an 100 % accurate report. All 3 credit bureaus should be reporting the exact same information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: VALLEY NATIONAL BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had existing loan with XXXX and interest rose to XXXX. I contacted my bank to seek a home equity loan which due to having one precluded me from that but was offered XXXX rate and started process which became the impossible mission.The amount of forms and information was intolerable. When I realized I had not been informed until the last moment was the need of further information including forcing me as a prerequisite to increase my home owners insurance by another XXXX as well as asking for information that was impossible to get such as regarding roads, etc.This over a XXXX mortgage with a condo conservatively valued at $ XXXXThe closing costs were over XXXX. Their paperwork stated that in 5 years I will have paid {$18000.00} in interest and {$11000.00} in principal. 
I will be XXXX XXXX XXXX in 5 months and to not have been given all this information before I signed is beyond reprehensible. 
Your negotiations may not be illegal but I question ethics. I feel that all moneys I have invested should be refunded to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE AN ACCOUNT THAT IS NOT MINE, IVE CALLED & DISPUTED IT TO BE REMOVED. THEY REFUSED THE XXXX ACCOUNT WAS TERMINATED IN LEGIMATION AND THE CREDIT BUREAUS REFUSE TO REMOVED ACCEPTANCE NOW - XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-01
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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}. Please update.

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 2023-05-01
Company: Global Lending Services LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is my second complaint regarding Global Lending, I have not received a fair closure from the first complaint of not being credited for payments and being overcharged with excessive fees. Now Global Lending is claiming that I owe for the month of XX/XX/2022, I clearly have receipts for payments in XXXX and XXXX. Global Lending stated a bank gave me a chargeback, which is clearly an outright lie, they refuse to give me the name of the institution. I explained to Global Lending it was my right to know the institution however they refused to give me the information yet continued to bill me for XX/XX/2022 and I have receipts from monies deducted as proof of that payment. I have a letter from the institution of the disputed charge, proof that funds were never deducted from global lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE AN ACCOUNT THAT IS NOT MINE, IVE CALLED & DISPUTED IT TO BE REMOVED. THEY REFUSED THE SECOND ACCOUNT WAS TERMINATED IN LEGIMATION AND THE CREDIT BUREAUS REFUSE TO REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-01
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dont know. I never use PayPal. I might have used it once or twice in 20 years but I want to know where XXXX dollars plus change comes from. For years, I have been receiving unknown, mysterious emails about some problem with PayPal. Whether its not to go near that website or that I owe money or some other unknown correspondence that I have no recall. I pay all my bills on time. This must be at least 10 years ago at least if I even did this which I doubt it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XX/XX/XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-05-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to request that the following inaccurate information be removed or corrected from my credit report. I previously contacted TransUnion about these issues on XX/XX/XXXX, but to date, they have not responded. 
The accounts listed below do not belong to me and are therefore reported inaccurately on my credit report XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4300.00}, Original Creditor XXXX XXXX ) XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, Original Creditor : XXXX XXXX XXXX XXXX In addition, I request that the following account information be corrected on my credit report : XXXXXXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) - This account has never been late.

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 2023-05-01
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I open a checking account with Citibank. The promotion was that if u open a city priority checking account and make a deposit of XXXX then you will receive {$500.00} bonus after 90 days. I made a deposit of XXXX to my city priority and after 90 days have still not received the {$500.00} bonus as promised. I have contacted city and they refused to give the bonus that was promised

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 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
capital one card was used by undercover government officer and since that card was compromised and treated as fraudulent can document all info

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
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:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX a credit bureau must verify this item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : USDOE/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 2023-05-01
Company: Collection Management Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to XXXX XXXX at XXXX, Ohio XXXX XXXX Informed the Veteran Affairs about my visit. The veteran clinic did not pay all of the bill, they only some of it. I`m 100 % service contacted. The rest of the bill was sent to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened:XX/XX/2019 Balance : {$1000.00}

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 non-monetary relief