BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These accounts must be DELETED. TransUnion has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. TransUnion is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

1 ) .XXXX XXXX XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted 2 ) XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These XXXX accounts listed above Must be DELETED. TransUnion is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to TransUnion showing that these XXXX companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. TransUnion must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.

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 2016-09-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian said they do not require information from the company reporting the debt but they asked us to prove it? How is that Fair? This account is Not suppose to be reporting on my husbands or my account. Please see the attached letter from my attorney indicating they are not allowed to practice collection activities in the state of NJ. Please remove this item from my report.

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 2016-08-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX did not correctly validate and verify the information on my report. HEPA laws prevent this company from excessing my medical information. Please provide the information that caused you to report this information on my credit report according to the ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: NM
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:
I have sent my letters in well over 30 days and the bureaus have not validated debt as stated in my disputes. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX  accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.

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 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 XX/XX/XXXXaccount XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XX/XX/XXXX# XXXX, XXXX, # XXXX,XX/XX/XXXXXXXX # XXXX, XXXX # XXXX, XX/XX/XXXX# XXXX, XX/XX/XXXX # XXXX # XXXX,XX/XX/XXXX / XXXX XXXX XXXX # XXXX # XXXX, XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX,XX/XX/XXXX# XXXX,XX/XX/XXXX # XXXX,XX/XX/XXXX # XXXX XXXX # XXXX, XX/XX/XXXX # XXXXHas violated my rights.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 ; also states a consumer reporting agency can not furnish a account Without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: BB&T CORPORATION
State: VA
Product: Credit card
Issue: Credit determination

Complaint:
While trying to obtain a VA mortgage loan, I was unable to obtain the loan because of an error on my credit report. I filed for bankruptcy chapter XXXX and the banking financial was also included in the filing of lenders to file against in the bankruptcy. The bankruptcy chapter XXXX was filed in XX/XX/XXXX and was discharged XX/XX/XXXX. The credit report states, it 's was a judgment and not satisfied, but it was filed with the chapter XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: ZWICKER & ASSOCIATES
State: KY
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 account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like XXXX XXXX accepted a payment after they closed the account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collection agency contacted my father on several occasions in regards to a debt they are pursuing that I no longer owe. The debt is made up entirely of penalties and fees as the principal balance was paid to the original creditor in XX/XX/XXXX, prior to being made aware that any collection agency was involved. According to the agency, the debt consists of late fees and penalties that have been accruing since XX/XX/XXXX. I have never received any prior communication from the agency, and they claim that the information was sent to an address where I have not resided in over 10 years. Contrary to their assertion that they believed this was correct address, the agency verified my identity by proffering proffering the address at which I currently reside. Additionally, the original creditor sent correspondence to me directly to my current and previous addresses. This company clearly sent communication to a known bad address in an attempt to build up interest and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I was married with a second mortgage on a home. We divorced 10 years ago, she remained in the house. The second mortgage was n't getting paid and was charged off in XXXX of 2013. She went to sell the house and the bank would only accept a payment of $ XXXX for the balance of the charged off loan ( $ XXXX ). We offered to pay the full balance because there was $ XXXX plus in equity. The bank refused the money and we paid the $ XXXX Now the bank is reporting this as a short-sale. This was not a short sale due to the fact that we walked away with $ XXXX at closing. There was more than enough money at closing to pay this debt and we offered to pay the debt. Also, with the charge off, I had already written off the $ XXXX in my taxes as an income.. Is this bank able to collect money on a short-sale that has been written off? Im try to get another mortgage now and move on in my life and this " short sale '' is holding me back. I would like this removed from my 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 2021-05-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
0n XX/XX/2021, I have sent a letter regrading inaccurate and unknown things on my credit report. Up to this day, it is already over 60 days and I have not received any response yet. I feel like they are ignoring my dispute and taking advantage on me. Section 611 ( a ) it is clearly stated that a failure to investigate these items within the 30 day period gives a reason to immediately remove those items from my credit report, it is over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to headaches and stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an authorized and fraudulent inquiry listed on my Experian Credit Report. The following inquiry is fraudulent and unauthorized : XXXX Credit/XXXX. Further, I have addresses listed on my credit report that do n't belong to me. I have never lived at the following addresses and I want the addresses deleted immediately from my entire file and credit report : XXXX XXXX, MN XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX, MN 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 2017-01-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
JPMorgan Chase sent bill to email account instead of mailing me a paper statement. 
Had this credit card account since XXXX always made payments on time paid off account in XX/XX/XXXX from a high balance of XXXX. Always got a paper statement. Used the card one time in on XX/XX/XXXX for XXXX for XXXX ( For some reason XXXX had rejected XXXX attempts with other cards ). For some reason Chase sent the statements via email????. Talking with XXXX ID XXXX he stated I had requested email instead of Mailed statements in XX/XX/XXXX. Forgive me but, XXXX, I would not have requested paperless statements on an account that I had n't used or had no balance since XX/XX/XXXX. Of course with late fees and charges that XXXX ballooned to XXXX by XX/XX/XXXX and was charged off. I was n't even aware of this activity till I pulled my credit report in XX/XX/XXXX. I called Chase and setteled the account for XXXX. But I 'm feeling extremely RIPPED OFF. And this is still going to show up on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX Loan Servicing ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX XXXX XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.

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 2021-11-24
Company: CITIBANK, N.A.
State: PA
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:
When I signed in to view my charges Citi notified me of no statements sent to me, and that I needed a code number to view my account. I call the number that was on the pageant after XXXX calls I still have no answer and can '' t sign on to my card.

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 2021-11-24
Company: Experian Information Solutions 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:
On both XX/XX/XXXX and XX/XX/XXXX my certified mail letters were received by XXXX letting them know that my report contained errors. I wrote to them saying that these accounts needed to be removed from my credit report if they were not accurate. I have been struggling to have this inaccurate and false and misleading information removed from my consumer credit report. From my understanding of the law, my personal and private information should not be furnished without my written permission which is a violation of 1681 ( e ). Also there are clear mistakes all over my report even after letting it be known to transunion which is a violation of 1681 ( e ) ( b ). I can not be approved for anything! This has been ongoing for months and ruining my quality of life! ALL INACCURATE accounts and information MUST be removed. They are NOT the same across ALL THREE 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 2016-03-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Good Evening, Spent several years disputing and sending letters to request update on accounts that have been deleted off XXXX and several on XXXX. Recently sent certified letters showing proof from companies that show accounts were paid in full. Credit bureaus refuse to update status to reflect such. Or remove inaccurate information causing for credit scores to remain low. Causing denial of services and products..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Citibank, sent me a Fyer that asking a certain amount to deposit on a Checking and Savings Account within 60 Days and after wait for 90 Days to get its Promo. Reward of {$700.00}. Therefore, i went to Citibank XXXX in XXXX XXXX, bring my Flyer and have interviewed and took my Driver 's License by the Bank XXXX named XXXX, she check in her Computer or System my eligibility if i can get the Promo.or not from Flyer and said am ELIGIBLE, i hand in her a Check for my initial down payment last XXXX XXXX till i completed the required Term before 60 Days and waited again for 90 Days to complete all the Term and Conditions. Actually, i completed all the Terms & Conditions last XXXX and from that date up to this date, Managers, Supervisors and XXXX whom i talked to claim my Reward of {$700.00} rejected me and ignored my claim, showing me an OLD POLICY that am not eligible for the Reward. Such OLD POLICY never shown to me by the Bank XXXX when i went to the Branch to apply for such Promo.Flyer but it accepted my Check for opening Savings/Checking. This undeniable FRAUD and SCAM by Citibank trying to manipulate Customers to transfer Money to them with a promised Reward that will never be rewarded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: PNC Bank N.A.
State: MN
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:
Hi I had an account with BBVA bank which was then bought out by PNC bank. 

Somehow during this transition my information was stolen and I have {$570.00} in fraudulent transactions. 

I had called PNC as soon as I saw it and over an hour long conversation the representative said they would file a claim and have the fraudulent transactions removed. Those fraudulent transactions were the only transactions on the account. 

XXXX  month later, and nothing was resolved. I called again and spent over an hour on the phone with the representative who said they would remove the transactions as they agreed they were fraudulent, restore the account to a {$0.00} balance and close my account. 

However, it is now yet again over a month later with nothing resolved. They seemed to have erased my account history, because I can no longer see the statement details, however I'm still charged the {$570.00} and I can not somehow turn off autopay or see any autopay details. So this account is still linked to my main checking account and will continue to draw funds. 

I can not even download a bank statement. 

It begs the question, how do I have a balance / activity on this account without the ability to see any previous statements. 



This bank has promised to remove these fraudulent accounts twice, and over the span of now going on XXXX  months there is no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently found out that I was a victim of personal identity theft and that I have multiple ( XXXX ) hard inquiries on my credit report that do not belong to me, due to the person trying to open up different credit card accounts. None of them were accepted but all the inquiries are negatively impacting my credit score. I let all of the crediting companies know ( XXXX, XXXX XXXX Capital One/Saks , XXXX XXXX XXXX ) but had a ton of trouble with Capital One. All the other XXXX banks were quick over the phone to discover the fake application, mark it as fraud, and file the dispute to all XXXX credit bureaus on my behalf, but Capital One insisted that they did not have a process in place for it. Instead, they asked that I fax over a photo of my social security card or passport, which I think is ridiculous. I called XXXX separate times to try to get a solution but they are the only ones who do not have this process set up, I believe I was treated unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: ALLY FINANCIAL INC.
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Ally Bank currently has XXXX Raise Your Rate CD products - a XXXX CD that allows you to raise your rate once during the life of the product and a XXXX CD that allows you to raise the XXXX twice during the life of the product. Currently, the initial rates for the XXXX and XXXX -yr are XXXX and XXXX, respectively. The reason consumers went into these products was so they did n't get stuck when interest rates started to rise - just as the product was marketed by Ally. Now that interest rates have started to increase neither of these rates has budged. Ally is not being competitive with these rates. Per XXXX, the rate they offer for a XXXX is XXXX best and the rate for their XXXX is XXXX best among banks. What 's most telling is that if I wanted to put {$25000.00} in a XXXX with Ally today they 'd pay me a rate of XXXX for XXXX, but only XXXX for XXXX. From a bank 's perspective, I would think that 's counter-intuitive, but it reflects their rates as of today. Even though the XXXX bond market has a normal yield curve, Ally 's in inverted. I believe they wo n't move the rate on the XXXX and XXXX because customers would exercise their option to increase the rate and Ally does n't want to pay up. They should eliminate this deceptive product. If consumers knew that they never intended, in good faith, to budge on these rates, they would have opted to go for a straight CD that paid a little more, rather than paying for the Raise Your XXXX XXXX option - an option that appears worthless. Take their rates today on the XXXX straight CD, which is XXXX. I get XXXX basis points more for a XXXX shorter term CD than the XXXX CD paying XXXX. If past is prologue, I would n't expect Ally to move the XXXX rate. It does n't appear that they are under any obligation to do so, yet the product exists.

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