BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX  with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX 's XXXX XX/XX/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 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

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 2021-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
This is for a Capital One/XXXX XXXX XXXX. I last used the card on or about XX/XX/XXXX at XXXX. I must have dropped or left the card behind and someone picked it up. This person then went to XXXX XXXX and XXXX  and over the next few days charged {$5800.00}. on this card. Because I don't use this card every day it took a few days for me to noticed it missing. Before reporting it to CapitalOne, I locked the card. I then checked my account balance at the same time that I was checking my other accounts. This is when I discovered the charges. After several attempts to report as unknown I called, that was on XX/XX/XXXX. CapitalOne credited me with those charges. 2 days later they put the charges back on my card. I have sent them a notice several times but they have not removed those charges. CapitalOne has a {$0.00} fraud, but they will not live up to that promise. They have NOT supplied any proof either by mail nor by phone calls to explain what was purchased. Since I do not shop at XXXX XXXX and In very rarely shop at XXXX  simply because I can shop at XXXX who is also my employer and save with the discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX, # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX 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 2019-07-29
Company: DISCOVER BANK
State: NY
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:
I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX   months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my XXXX XXXX greatly and my ability to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: MN
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had {$1400.00} stolen from my Bank Of America Checking Account on XX/XX/2022 from an international website. I disputed the charges and was assured that the international company would no longer be able to access my account or funds again. I was given the provisional credit to my account and the claim is still being investigated. 
The SAME international website stole {$4800.00} from my account AGAIN. I disputed the charges XX/XX/XXXX and was denied credit and the claim was immediately denied and closed. 
I lost all of that money and they arent doing anything about it. Today is XX/XX/XXXX. There is no way they completed that investigation in only 5 business days.

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 monetary relief
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: LA
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:
For the past 2 years I have been trying to get XXXX XXXX credit off of my report. I have never had a card with them, and have already went the route of the dispute. I have contacted them on no less then 50 occasions, to no avail. The account is not mine, nor has it ever been.

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 2022-06-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-09-12
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went into a local XXXX XXXX banking branch and attempted to open a basic checking and savings account. At the end of the application process I was denied due to being flagged from a third party credit reporting agency, XXXX XXXX XXXX, XXXX. I called XXXX and they stated that there was two discrepancies on my consumer report that could be preventing me from opening a bank account at a reputable banking institution. One was from XXXX XXXX with a charged off balance of {$510.00}. This was entirely my doing. The second was a charged off account from Citibank , N.A . for a total amount of {$1100.00}. I have NEVER banked with Citigroup XXXX Inc. for the duration of my life. After further research, this fraudulent account was opened on XXXX XXXX, XXXX. My identity was stolen and fraudulently opened a checking account with the unauthorized use of my social security number.

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 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
To whom it may concern, I have contacted Capital one bank about the serval charges and sent in all of the proof for these charges all of the mercharcants sent physical documents stating that I would be refunded and I never received a refund I filed a dispute with the reps and they were extremely rude, Been experienced reps yelling and saying to me that its my fault and its disgusting how a bank has zero fraud liablity but still takes no responsibility. ATTACHED YOU WILL SEE THE PROOF AND THE EMAIL CHAINS THAT OCCURRED. e : Claim XXXX for account ending in XXXX We're working hard on these disputed transaction ( s ) : Transaction Date ( s ) and Amount ( s ) XX/XX/2020 - {$110.00} - XXXX XXXXXXXX XXXX  XX/XX/2020 - {$49.00} - XXXX XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX AM ( 10 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Please review Capital one claim # Re : We need some more info for your dispute [ XXXX  : XXXX ] << Reference ID : XXXX >> Your Order Number : # XXXX Order # : XXXX Order # : XXXX Hi I placed an out back in XXXX I am missing skinny jeans, oatmeal bodysuit, skirt, and grey top. Is their another shipment? I told them Not to resend me another shipment. Now you guys did under this order Your Order Number : # XXXX. I reached out to fashion nova over 5 times via email was told by a XXXX in chat I will be getting a refund within 24-48 hours. I filed a dispute with my financial institute Capital one now they have said they contacted you and XXXX  XXXX says order is valid. I been dealing with over now 3 months where is my stuff!! You guys resent items supposedly under the replacement after I told you guys I didnt receive it. Ive now paid over XXXX dollars and I contacted my bank and you guys are lying. I need a response to this ASAP my bank is included in this email as well.. For order : XXXX you guys been well Aware that I didnt receive this the tracking details clearly says incorrect My response that Im looking for is a refund and a apologies for the inconvenience that I been put through. I can be reached via email or XXXX Sincerely XXXX XXXX please contact me i never seen the previous settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: CT
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:
This company Equifax a contact more of XXXX times complaining open dispute information they reported inaccurate outdated account status charge off charge past due erroneous and incorrect A request a fair dispute process I have the right to an accurate credit file and discrepancies like this are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax security breach 2017. It was indicated that I was impacted by this breach of Equifax data and my PII was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 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 2022-01-16
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called several times, my family friend who is a realtor, and retired loan XXXX has called and email. 
When you call them to start the process to remove the XXXXXXXX of the mortgage, they refuse to help and to you to send a email and refuse to help. 

They tell you the process could take up to 30 days. 
We started this process in middle of XX/XX/XXXX, and sent a email on XXXX XX/XX/XXXX and XX/XX/XXXX, they responded on XX/XX/XXXX taking about the 30 days again, we responded on XX/XX/XXXX and still no answer. 

This process is going on 2 months, with NO PHONE CALL, NO BPO, TO REMOVE MY XXXX  ON MY HOME. 

My mortgage balance is less than $ XXXX, and the homes in my area are valued around XXXX. 

see attached email thread and cma sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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:
Credit Acceptance reports Ive missed 12 or more payments. The payments were deferred due to COVID. An agreement has been made to continue to make payments, im making the payments but on my credit report they are reporting im delinquent.

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 monetary relief
Consumer complaint received 2023-03-22
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank is refusing to dispute and credit for transactions, per card holder agreement. Bank is causing the plaintiff personal and professional damages and life-threatening medical complications. Account holders are released of all liability for matters involving the bank and any direct or indirect events that may arise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed 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 explanation
Consumer complaint received 2022-06-15
Company: Plastiq Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I submitted a payment for a wire transfer to XXXX XXXX in XXXX in the amount of {$980.00}. Plastiq confirmed the wire would be deposited in their bank account within XXXXXXXX XXXX, however, it is now XX/XX/XXXX and they still have not received anything in their account. 
I have tried contacting their customer service via email and social media for the past week to gain insight as to why the payment is held up to no avail - their customer service is simply a robot that replies with a generic message. Finally I received word via a XXXX message that their team had " escalated it '' and would " get back to me when they had more information ''. However, it is now the end of the day and I still don't have any answers. I worry this will go on for longer if I don't send a formal complaint. 
Upon looking deeper into the company, it appears this is their signature move and it is completely unacceptable. 
I am now out over {$2000.00} as I had to pay the vendor out of my own personal account so the shipment is not further delayed and am waiting on a refund ( or any information at all ) from Plastiq.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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 fraud alerts or security freezes

Complaint:
On MondayXX/XX/XXXX I tried ( all day ) to place a freeze on my TransUnion credit report. ( I successfully placed a freeze on my XXXX and XXXX early on that day in a matter of minutes ). I tried both on line and through the voice system at XXXX. When I would get through to a person they would tell me I had to order a credit report online from TransUnion because I had n't ordered one since XXXX and prior to that XXXX. I actually tried on order a TransUnion on line credit report and answer their identity questions - when it would get hung up and keep asking me a nonsensical question and then eventually said they were experiencing technical difficulties??? ( I actually order a TransUnion credit report later in the evening over the phone with XXXX at XXXX. ) TransUnion said they needed me to order the credit report on line in order to confirm my identity since they could not access my information. However they were obviously looking at my information since they knew when I had ordered prior reports!!!! Again I had earlier placed freezes with the other two credit reporting agencies with NO problems. I eventually ended up getting told to call several different numbers at TransUnion XXXX, XXXX, XXXX, XXXX. Every time I reached someone they said they could n't help me unless I ordered a credit report online. They said they could n't verify my identity unless I ordered the report?? However they obviously knew who I was because they sent me several emails referencing an order # and telling me to contact them at XXXX if I would take the offer at the bottom of the page for a subscription credit monitoring service for $ XXXX. I already have credit monitoring through XXXX because of previous security breaches at XXXX, XXXX XXXX and the State of South Carolina and I know that as a Georgia resident over the age of XXXX I am entitled to freeze my credit report for {$0.00}. All I want is for TransUnion to place a security freeze on my credit report just as the other two agencies have. I know TransUnion is trying to sell me their services but I do n't want them and I certainly would n't order anything from them after this run around.Thank you for your assistance with 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 2022-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not access my free Credit report, it just shows up as error on the computer, and told me I couldnt access it when I called. 

I need to access it because my banker said my social security number does not match up with my name or address! And I dont know what else to do.

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