BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in 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

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 2022-06-03
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : 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 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Kohl 's sent me a bill due on Sunday   XXXX   2017, a non business day. This was my first bill, and I only had a few days before the payment was due - an inadequate time to setup online bill pay. As the bill is due on a Sunday, I was unable to go to the bank to get cash to make a payment in the store. I paid the bill on Monday,   XXXX  2017 and was subsequently charged a {$29.0 0} late fee. This is an unfair business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Back in XXXX of XX/XX/2020I submitted some dispute letter pertaining to XXXX account # XXXX, XXXX XXXX, and XXXX XXXX account, # XXXX. 

I have yet to receive anything in the mail, or any kind of response pertaining to this issue. It is quite customary for the Bureau not to respond, or simply delay the process by sending out notices telling me that, they suspect, that my dispute letter was sent by someone else, but me. This in my opinion is quite insulting, and frankly, quite distasteful. What gives them the right to judge my writing skills, or my research skills, is it my gender, or race? Am I not educated enough to writte a proper letter? 

I have put countless of hours in research and development to not have them, properly investigate my dispute request. It is known that, failure to respond could result in a law suit against them, according to section 616 of the FCRA. 
These account seem to be incorrect, and all I am asking is to have them investigated, and have them respond back to me with updated credit reports, free of charge pursuant to the FCRA.

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 2022-06-03
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TransUnion is reporting a XXXX XXXX on my credit report. This transaction was not initiated by myself it was a towed vehicle that was sold by myself. 

Transunion and finex group have no standing in reporting anything on my credit report since this was not initiated by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted Transunion, XXXX, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''

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 2017-02-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
# XXXX - they have the filing date as " XXXX/XXXX/XXXX '' - this date does NOT exist! 
They have " XXXX CT '' for the name of the court - that is NOT the name of a court and it must be accurately and completely listed! This is also required to state bankruptcy court [ city, state ] Where liability is listed, it should state numerically - this states " A '' Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 Equifax 's response clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX XXXX that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the tax liens is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX  continues to review and monitor my credit when I do not have any open credit accounts with this bank. This company continues to violate my right as a consumer to privacy of my personal information. I have continuously written letters to each of the three consumer reporting agencies to making them aware of synchrony banks improper use of the credit report. Transunion, XXXX, and XXXX have a duty to protect consumers and they have shown to be negligent in their handling of this issue.

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 2022-06-03
Company: EQUIFAX, INC.
State: FL
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 item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX/XXXX  XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # : XXXX - XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX - XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) Account # : 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have an unauthorized and fraudulent credit inquiry listed on my Trans Union credit report that do n't belong to me. I made a police report with XXXX XXXX Police Department and sent a copy of the police report to Trans Union a few weeks ago in regards to the unauthorized and fraudulent credit inquiry. The police report case number is : XXXX. The following unauthorized and fraudulent credit inquiry do n't belong to me : XXXX XXXX XXXX, XXXX/XXXX/2015

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 2017-03-11
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
loan with LoanDepotDBAIMortgage this company rip me off XXXX basis points. charged {$7100.00}. on a {$200000.00} loan amount. 
They make you sign disclosures when you meet with loan officer XXXX XXXX XXXX XXXX XXXX XXXX ) who explains to you so fast turning the pages so that you have no time to read every detail. He explained you will not pay anything out of pocket for closing costs, that the builder 's credit would be to pay all closing costs. At closing I ended up paying over {$5000.00} out of pocket as they came up with new figures and they gave me no opportunity to reject. How can you believe that {$5000.00} from mortgage company and {$12.00}, XXXX from builder were not sufficient to pay closing costs? They got the {$5000.00} from increasing the interest rate .5 %. They advertise that you will get {$5000.00} rebate if you get a loan with them. It turns out that they do n't give you anything but they get it from you by increasing the rate to create a rebate. In turn you end up paying for it but they do not explain it. This is how they rip off people who do n't know the intricacies. unaceptable! 
Also they rip you off by using their own services for Credit report {$65.00} when in fact a credit report cost is {$15.00}, and Appraisals without giving us a receipt of what it costs them. This should be against the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Civil judgement was vacated. Case was dismissed without prejudice. Forwarded copy of the order from the court to transunion via fax on XXXX/XXXX/2015. On XXXX/XXXX/2015 their " investigation '' was closed and the item was " verified as accurate '' which is impossible, because it is incorrect. After spending several hours on the phone today being transferred and disconnected over and over again, it is clear that they have no intention of fixing this error. They claim to have never received my document and asked me to fax it again. When I asked them to verify receipt of the fax, they said that they could not. 

This is a never ending cycle of incompetence coupled with the inability to easily communicate with anyone due to the language barrier of the operators. I speak English. My initial call, I was transferred to a supervisor and disconnected. The second call I was transferred 3 times to XXXX different supervisors, then disconnected while being transferred to the XXXX. The XXXX call, I was disconnected by the first operator while he was attempting to transfer me. 

This is not a matter of he said/she said. It is indisputable fact that no one is arguing except for transunion. The court will confirm that the judgement was vacated and the case has been dismissed. The original plaintiff will confirm that the judgement has been vacated and the case has been dismissed. I have hard evidence proving that the judgement was vacated. Transunion just really wants to keep this on my report for no apparent reason. 

They categorically refuse to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently noticed a Capital one Auto Finance appearing on my credit files. I requested that Capital One validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter, however, they are continuing to report this misleading information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015 I received an email from kohls.com about an order made for {$100.00} e-giftcard. The email showed my information along with the email where the e-gift card email went to. I never placed this order. The company was closed and I called early the next day. I spoke to XXXX in the fraud dept was able to zero out the e-gift card but was unable to clear my credit card for the {$100.00} charge. My case number is XXXX. They refuse to reverse the charge for the fraudulent charge. I have made numerous calls with no luck. I am being told that I have to wait for the investigation and for them to come to a conclusion to what happened. In the meantime I will be billed for this bogus charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was running my credit because I wanted to start building it. I tried to log into a few bureaus and I couldn't because there were already accounts open in my name but with a different birth year which was XXXX when I was born in XXXX. Once I got in I noticed that I had a lot of credit cards and loans in my name that I never had. Some of the things date back to XXXX when I only was XXXX XXXX XXXX. There were credit accounts and loans with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, Capital One, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX I Contacted all bureaus to remove all accounts, a lot of information is wrong, such as my name, date of birth, and address. 

I also filed a police report for identity theft that I will be attaching, along with my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Other fee

Complaint:
I can not get these people to stop taking this money out for some insurance that would pay off the money on this card- The card companies wo n't block it and the insurance company wo n't stop taking it! I have called a number of times over the last 5 years to both and I just get the run around! Can you help me? 
Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX Household Bank XX/XX/XXXX XX/XX/XXXX NUF IPP XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Capitol one card. Had a balance of around $ XXXX and paid it off. Next month received bill for {$89.00}. Called company again and the csr said he will waive it. Received notice that my payment is late and they charged me another {$30.00} in fees. Called csr again and said that the previous csr did not waive anything. Told them I have never been late and I would n't have been if I was not lied to. Said they could n't help. Asked for supervisor and was put on hold for XXXX minutes and hung up after that. Called again and same issue was put on hold for XXXX minutes and all of sudden hung up on. This company is a rip off and I am getting no where with them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
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 item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # : XXXX - XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX - XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : 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 an account without my written instructions.

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 2020-12-31
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/20, {$420.00}, notified XXXX XXXX XXXX numerous times explaining this policy was never agreed upon nor did I sign any documents to start an insurance policy they said they would take care of it. The way they took care of it they sold my information to a debt collector

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Byrider Franchising, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
CNAC continues to contact employer for debt of employee. Has been asked each time to stop contacting corporate office.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation