BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( XXXX, TU, XXXX  ) Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} ( XXXX, TU, 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 explanation
Consumer complaint received 2017-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Somebody used my Capital One credit card and charged over {$3000.00} international, Capital One they, blocked the card, I called and let them know that was not my charges. Capital One ask for my id 's DL, copy of a bill and SSN. I gave them all these to investigate and in the meantime as they were investigating they re-open my card to a caller how called Capital One as me, giving them all my personal info. Name, Address, SSN. Instead Capital One to investigate this person released the card back to this person who was not me. This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have tried to dispute an employer listed on my credit reports and I 'm not able to do so

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 2022-10-16
Company: EQUIFAX, INC.
State: NC
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
SANTANDER CONSUMER/XXXX took my information from another company, my social security number, name, and address without my consent and without me signing an original contract with SANTANDER CONSUMERXXXX that is violation of 18 U.S. CODE CHAPTER 63 1344 Bank Fraud, 18 U.S. CODE CHAPTER 63 1342. 18 U.S. CODE CHAPTER 63 1346. 
I've send in multiple disputes to XXXX, XXXX, and XXXX. the only one that hasn't removed this item is XXXX. 
I've never signed anything with SANTANDER CONSUMER/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX sent loan discharge information to close out my XXXX Loan account with XXXX University to Transunion Credit reporting bureau. Transunion keeps insisting they do n't have discharge information. I have spoken with both XXXX and Transunion on several occasions and XXXX insist information was sent to Transunion. Need help in resolving this dilemma. I file a dispute with Transunion no response to this correction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called Trans union and spoke to a supervisor named XXXX about a adverse account on my XX/XX/XXXX credit report, which they did a investigation on and sent me the results as deleted with a date of XXXX I am now told it was n't verified, but that is n't what the letter says. XXXX of the forms state unverifiable info must be removed. The guy gave me this website and then hung up. Please help me with this situation, thank you and XXXX BLESS, P.S. I 'm doing this from my cell phone and do n't know how to attach documents nor do I have a computer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: eMortgage Funding LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
E mortgage funding LLC XXXX ID # XXXX XXXX XXXX ( on paper work not sure who that is ) but was dealing with XXXX XXXX eMortgage Funding XXXX # XXXX A home inspection was done on the property of which I paid {$600.00} dollars for outside of closing prior to closing date. This amount was not shown in the final closing statement in column POC so this did not come off of my closing cost Second- appraisal was also paid out side of closing as shown on closing disclosure and I did not receive a copy of my appraisal 3 days prior to closing and still as of yet have not gotten a copy. Ive contacted the company on numerous occasions and XXXX for a long time and have never received a response from anyone. Id like a copy of my appraisal and a refund of {$600.00} from my home inspection. My closing was on XXXX XXXX  and still yet to receive a response from anyone after attempting to contact over and over again in regards to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Am Having a Problem with the XXXXXXXX XXXX XXXX  Credit Card I Open this Account in XXXX and bought a Coutch Sofa and i always been making my annual payment on time and they are charging XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$440.00} And my Total Due Ballance Increase {$1300.00} due because of this interest Charge. and i call wells Fargo customer service XX/XX/XXXX and they refused to credit my account {$440.00} interest and this is terrible i am very frustrated that i have to paid more money for a Funiture i bought with this credit card is terrible and they also been charging me late payment fees and i always make my payment on time please help me with this problem

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 2022-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery services has been attempting to collect 3 accounts which were previously disputed and removed from XXXX XXXX and original creditors. These accounts were opened fraudulently. I have requested original application showing my signatures. They have failed to provide documentation. They only provide an old statement which does not validate debt. They have also changed date from original creditors last payment date as these trade lines have gone past reporting statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My credit card expire over a month ago and Capital One failed to send a replacement card. I'm unable to access my funds. I call a second time today, and they told me that the first time I called they failed to send the replacement as they were supposed to, representative couldn't explain why it wasn't send. I asked if they can send the new card via an expedite manner since I need my funds ASAP, and the refuse. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
There are many accounts reporting that does not belong to me. There are also inaccurate personal information that is reporting : Incorrect Name : XXXX ( Transunion ) Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, TU,  XXXX ) Incorrect Address : XXXX XXXX  XXXX XXXX ( Transunion & XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  XXXX The following accounts were a result of identity theft : Onemain Opened XX/XX/XXXX ( TU ) Opened XX/XX/XXXX XXXX XXXX  & XXXX  ) Bal : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$100.00} ( XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$620.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is no longer in dispute. Please remove dispute status I did not not authorized the following inquiries on my credit file : XXXX ( 2 TIMES ) XXXX XXXX XXXX   XXXX XXXX 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES XXXX XXXX XXXX XXXX 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) 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 explanation
Consumer complaint received 2017-01-16
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card
Issue: Balance transfer

Complaint:
There are XXXX credit cards with Chase, obtained for airline miles. We typically use a single check to pay off the XXXX credit card balances, including the deposit tear-off sheet in the credit card balance. for some reason, XXXX account received all the credit, leaving the other XXXX with balances. Three written requests were made to Chase to transfer the surplus money in XXXX account to pay for the charges in another. On XX/XX/2017 we were sent a letter. By the time we received the letter, on XX/XX/2017, Chase was threatening to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PLEASE SEE ATTACHED 1 ) FTC FRAUD REPORT 2 ) POLICE REPORT 3 ) ID THEFT LETTER FROM FTC 4 ) COPY OF ID PROVING RESIDENCE IS NOT WHERE BILL IS COMING FROM

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Duncan Solutions, lnc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, consumer received documents in mail from Professional Account Management LLC alleging debt owed. Professional Account Management LLC is a third party for XXXX XXXX XXXX Both companies have violated FDCPA

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 2022-04-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the XXXX ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.

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 2015-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
An address change was submitted to my mortgage company ( XXXX XXXX XXXX ) approximately 8 years ago. Someone had tried to compromise my wife 's credit. She caught it, and it was recently resolved This address is now showing on my credit report. The credit reporting companies have refused to remove it because they said it was reported to them, and suggested I file an identify theft report ( no one has stolen my identity ). I now have a credit reporting company monitoring my identify. XXXX states this address is no longer in their system ( they removed it ). Please have the credit reporting companies REMOVE this address from my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone opened a XXXX account under my name and now I have this negative account on my credit report. Disputed with the collections department but kept getting " verified ''. So frustrated because I tried to get this matter corrected but I am getting nowhere with the credit bureaus XXXX, Transunion and XXXX. I feel like giving up.

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 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 explanation
Consumer complaint received 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Case Number XXXX I requested Capital One to reopen and investigate the dispute on my behalf. First dispute that was opened as " fraudulent charge '' ( since I didn't not authorize the hotel to charge my card and I didnt know where the charge come from ) was closed and second dispute got closed because first one got closed. I called and sent multiple letters to reopen and alll got ignored. I would like to reopen and continue dispute case with XXXX XXXX. I stayed at XXXXXXXX XXXX XX/XX/2022 XX/XX/2022 and paid for my reservation {$490.00} upon checking out after my room got inspected I was given a final receipt. On XX/XX/2022 hotel billed my credit card for additional XXXX XXXX for what I found out later were charges related to the pet damage to the door. Hotel never disclosed to me any pet policies nor did I sign any agreement when I checked in. Hotel never called or emailed me to discuss damage. When I checked out there were no damages to the room and room got inspected as well, before I received my final bill. I contacted hotel multiple times and havent received a valid explanation, or evidence, or signed agreement or any valid receipt related to that charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TN
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 Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2015-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A credit card that I believe I once had but was paid off years ago is still listed on my credit report, showing a balance and a date of a recent reported payment. The credit card company says that I have no active account with them. I obtained my credit report from TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Customer service would not help and take care of negative inquiries reported on credit report. I would like for these inquires to be removed. 
XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16

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 2016-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
transunion said that they would delete my inquries from their computer glitch in my last dispute through cfpb transunion has not done done what they said they would do please remove my inquries

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