BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX BANK ( Opened XXXX XXXX, XXXX, Balance {$41000.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-05
Company: EQUIFAX, INC.
State: PA
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 never authorized anyone to put negative reports on my credit - some cards are on there that I paid cash to open and have balances that are incorrect and should state that those cards were only open using my money and never got an increase so I should not be behind them or owe anyone when it was my money to begin with All negativity on my credit should not be in there and its personal because I should never be in debt to anyone that should be indebted to me as a human and person with the same rights as anyone else

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have never missed a payment or have been late. 

All payments are set-up and paid automatically. 

Newrez sent us a letter stating we are late and late fees are being assesed. 

NewREZ has no easy contact to resolve. 

We would like the CFPB to step in to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00XXXX XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion 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.

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 2022-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
In or around, I disputed an erroneous cancellation fee from XXXX XXXX in the amount of {$120.00} with Capital One. In fact, XXXX XXXX acknowledged that the charge was erroneous and sent me an email illustrating that they would credit my account ( see attached ). Capital One initially accepted my dispute and requested " confirmation showing no cancellation per policy was received. '' This request is clearly not coherent. Additionally, the merchant did not supply any documentation illustrating that I agreed to a cancellation policy with a {$120.00} cancellation fee. Although I provided Capital One with documentation illustrating my account should have been credited, they failed to investigate my dispute and credit my account accordingly. Unfortunately, this has been a pattern and practice with Capital One as they have failed to thoroughly investigate and resolve disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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
Consumer complaint received 2022-09-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Reporting company used your report improperly

Complaint:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2022-09-24
Company: Paypal Holdings, Inc
State: NJ
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:
On XX/XX/XXXX I contacted VENMO, my debit card holder, to file a dispute after I noticed an unauthorized charge on my VENMO account ledger for a transaction reading : Date : XX/XX/XXXX XXXX XXXX  Location : XXXX XXXX XXXX, XXXX Amount : {$17.00} Transaction ID : XXXX On XX/XX/XXXX, I received a response from VENMO concerning the dispute and stating that my dispute was DENIED. I immediately contacted VENMO to ascertain the reasoning for this decision and to appeal the decision. The reason for the denial was After careful investigation, we've determined that an error has not occurred and the dispute claim has not been resolved in your favor. I did not understand this reasonings error has not occurred meaning. I was told that they could reopen the appeal if I could provide evidence, which also I could not understand what evidence would exist to provide if I had not been present during the transaction, know who did it, etc. I explained this to the rep and they said theyd resubmit the dispute on appeal. 

After 3 business days, I checked back for an appeal update and the VENMO rep informed me that I was again denied. They again told me that they could resubmit the dispute/appeal if I had any evidence to support my claim. I once again asked what possible evidence could I have for an unauthorized transaction. They told me to contact the party responsible for handling these disputes more directly and gave me an email address to use to do so. Ive written the address 2 times in 2 weeks and havent received even a single response from them, not even an acknowledgment that they were aware of my dispute/appeal. 

Yesterday ( XX/XX/XXXX ), I contacted VENMO support through their chat feature and explained I have not heard from anyone regarding the dispute or my appeal. The representative looked up my information and proceeded to state that she could resubmit the dispute if I could provide evidence of the dispute. I knew then that I was out of options trying to get VENMO to honor the ZERO LIABILITY CLAUSE of my card holder/account agreement and am now being forced to contact the CFPB to geXXXX involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: TX
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 third request to you to remove the fraudulent accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items as they Fraudulent : 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 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 If you believe that the disputed items are accurate and belong to me, I request of you to please send me copies of proof of verification from your investigation. If you can not find any documents to support your claims, please immediately remove the disputed accounts and information from my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi Bank of America That is not right by the rule of law book. 
I am deposit the check on mobile deposit on XX/XX/2022 and I was received the email said the fund is available on XX/XX/2022, Today is XX/XX/2022. I am call Bank of America asking them why mine check was not clear they told me on XXXX XX/XX/2022 The fund is available. 
Mine self and other customers feel like Bank of America not following the rules book and the law book. 
I am feeling like Bank of America try to hole customer money to investors something. 
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 explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: PA
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 never authorized anyone to put negative reports on my credit - some cards are on there that I paid cash to open and have balances that are incorrect and should state that those cards were only open using my money and never got an increase so I should not be behind them or owe anyone when it was my money to begin with All negativity on my credit should not be in there and its personal because I should never be in debt to anyone that should be indebted to me as a human and person with the same rights as anyone else

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 2022-09-24
Company: ENOVA INTERNATIONAL, INC.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Initially didn't want the loan, and when I realized I accidently agreed to it, it was already in my bank account. I started making some payments on the loan, and then realized that the payments I was making wasn't even paying off the balance at all, it was just paying off part of the interest. After losing my job and missing 10 payments, the loan has literally tripled from just over XXXX dollars to nearly XXXX dollars in under 2 years. The interest rates and other fees are so insanely high that there is literally no way to get on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative account XXXX BANK ( Opened XXXX XXXX, XXXX, Balance {$41000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-01-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2020 I called to make a payment to no avail They are Not ADA Accessible I have No Access. On line to my account due to my XXXX. Calling to access my account is my only option and it requires my XXXX XXXX XXXX to enter in 16 numbers card number and 4 numbers of social security I was unable to make a payment with extreemly XXXX XXXX They do not provide any option to access my account I should be checking for unauthorized charges with all data breaches daily I am unable to feel safe or secure checking my account as all others with accounts are advised to do for protection I have requested this be corrected for over a year to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Last 4 of SSN : XXXX RE : Account Number To whom it may concern, this letter is a formal request to remove the following outdated information from my credit report. 

1. DEPT OF EDUCATIONXXXX XXXX XXXX paid/closed ACCOUNTS NEED TO BE REMOVED. THESE ACCOUNTS ARE OUTDATED AND WAS CONSOLIDATED TO ONE LOAN YEARS AGO! This inaccurate information is erroneously affecting my credit report and hindering my credit due to outdated information and incorrect information on my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XXXX! 

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. 

Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 

Thank you for your consideration and cooperation in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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