BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
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: Account information incorrect

Complaint:
XXXX   XXXX  is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans tha t   XXXX   XXXX    is reporting on  my credit report. If  XXXX   XXXX  can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to  XXXX   XXXX  in regards to this issue but have yet to receive a response.  <P/><P/>  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  , PA   XXXX   This  letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.  <P/> Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I have  the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required unde  r Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be   promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.  <P/> I demand the following account be properly verified or removed immediately.  <P/> NameofAccount : Date Reported : ProvidePhysicalProofofVerification :  XXXX   XXXX  {$46000.00}    XXXX   XXXX   XXXX   Unv erified Account

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 2018-06-01
Company: Experian Information Solutions Inc.
State: NY
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:
tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors

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 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Capital one is not providing me with legitimate bills. I have received two bills in the mail. One requesting the payment, another requesting a higher payment. The higher payment of XXXX dollars does not correlate with the original agreement received when opening the XXXX  XXXX dollar credit card. I am receiving horrible customer service when contacting the company and they are refusing to give me any information about my two credit cards. They are sabotaging my credit and probably the credit of others. They seem to be a very inproficient, uneducated, and disgusting company. They need to be shut down. 

Thank you kindly, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
PNC account was connected to XXXX  in the past and I planned to continue this process as it is an easy way for myself to save money but now PNC is no longer able to connect to XXXX  so I can no longer add money to this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.

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 2019-12-02
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by mail on 3 occasions about a debt to an XXXX. I have never sought out. Never called. Never made an appointment and have never seen an XXXX  and they are seeking a debt of XXXX. I wrote this company and told them the SAME thing I have written here and they sent me a follow up letter that stated, upon their investigation with information I provided, I owe the debt. I do not! I have never sought, made or seen ANY XXXX  EVER.

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 2022-09-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear sir/madam On or about XX/XX/XXXX, right before the fraud transactions happened ( XXXX $ ) a series of fraudulent activity also occurred on multiple platforms. I had fraudulent activity on my credit cards ( XXXX  as well ), social media accounts, and my email login credentials were changed. ( I attached photos ) It wasnt immediately noticed that a large amount of money was removed from my savings account, as I rarely check that, thinking it was safe. The police were notified, and an identity theft report was filed. This has been a very stressful situation for me and the hardship it caused is unimaginable. 

TD Bank mailed me letters from the merchant that contains IP address login information, which is part proof of Authorization, from me. Whats bizarre about those, I was able to recover my emails and there was email sent From the merchant that also contains IP addresses, only one of the the 8 which matched the ones on the documents they sent to TD. They were all from different locations some relatively near and some far from my hometown, including Georgia, Pennsylvania, & Maryland. The information that the merchant is providing seems very in accurate and questionable. 

Ive contacted TD banks fraud department. They were able to recover 5 of the 12 unauthorized charges. After that Ive gotten no help. Ive asked for a written explanation from the bank multiple times so that I could prove My innocence.. Im not sure how Im being told some charges were unauthorized and refunded to me, but the others were authorized. Im not a scammer, and none of the charges were authorized by me. 

On XX/XX/18, I had {$5000.00} taken out on an IP address in Delaware. How is that me? I am attaching screenshots of the XXXX address along with its location.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I am card member with Capital One VISA and my credit was used outside the United States on   XXXX   XXXX  , 2017. The day my credit card was used, I received an e-mail as a notification that prompted me to check my transaction and let them know if it is was mine or now. So within ten minutes of receiving this e-mail, I called Capital One to let them know about this fraudulent transaction. They told me to not worry because if this is my transaction then they wont pass it and I believed them because the bank as a {$0.00} fraud liability for the consumer. But after 30 days I received call from an investigator who said that the reported fraud was not actually a fraud and the card was used physically. I explained to him that this not possible because the card was with me and I did not leave the country. When I asked for proof, he did not give me any and just said that the chip of card was used. Then I called again after a few days to ask them to do the investigation again but again I was put in the same situation. When I pressed for proof, they told me that my signatures matched in the receipt and so I asked them to send the receipts ( attached below ). When I received the receipts, I could clearly see that the signatures were not mine and somebody had clearly tried to copy it ; both receipts had different signatures ( attached below is a copy of my actual signature ). So I called them about this discrepancy but nobody listened to my complaints. Every time I called customer service, there was a different person on the line and was not fully aware of the situation. When I kept calling, I started receiving the same answer about the card being used physically but I was never given any further proof. Every time there is a big transaction a bank calls to confirm the transaction so I asked the bank to give me proof that call when about this fraudulent transaction, but they told me they couldnt give that to me. At this point, I was tired and feeling harassed by Capital One. They never gave me any valid proof and because of this fraudulent transaction my credit score also went down. Now, to add to the trauma, they keep adding interest to the fraud charge and expect me to pay it. However, I never authorized this transaction and neither am I able to pay this large sum of money. Despite of my early warnings and continues calls, the bank authorized the transaction and continues to harass me about a fraudulent purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Credit & Collection Recovery Services, Inc.
State: AL
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 am filing a report on the company XXXX and also XXXX has been reporting incorrectly information and has yet to be removed and are fraudulently accounts : XXXX XXXX in the amount of {$1200.00}, Credit & Collections in the amount of {$870.00}. I have filed several disputes and I have not heard back from or received any letters, no emails, no calls, and they have not reached out to me in anyway. The company XXXX is still reporting incorrect information that need to be removed in order for me to be able to purchase my very 1st home. I am not understanding why The company has yet to remove these fraudulent accounts it has been several years now they have been reporting the wrong information. It should not take this long to have these accounts removed. I was told that it should only take 24 hours to have these fraudulent accounts removed from my credit bureau reports. I have submitted police reports Ive filed several complaints with the FTC and I am now fed up and filing a report on XXXX and XXXX. There is XXXX reporting fraudulent information on my credit report for XXXX in the amount of {$290.00}. XXXX XXXX ( XXXX  ) {$1200.00} XXXX  has yet to remove the following. Please have this removed immediately!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear CFPB, XX/XX/2020 My Barclay Card ending was stolen and the thief is making numerous expensive charges on the card. I have attempted all day to report the card stolen to the company but they do not answer the phones. 

1. I initially went to my account online to report it stolen with fraudulent charges. Unfortunately, there is nothing online to report it, only a number. 

2. I called their advertised number for stolen cards at XXXX XXXX MDT and waited on hold for 20 minutes. No one answered. 

3. I called other customer service numbers listed and waited similar times with no answer. 

4. I called again to report the card stolen and to report fraudulent charges at XXXX XXXX MDT and waited for 2 hours and 1 minute on hold. 

Barclaycard is placing an impossible burden on its customers to report stolen cards and have fraudulent charges removed. 

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 monetary relief
Consumer complaint received 2017-06-19
Company: HYUNDAI CAPITAL AMERICA
State: MD
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:
I have filed a dispute with the Cfpb in regards to Kia motors falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called Kia motors this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: ACS Education Services
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am submitting this on behalf of my husband, and his student loan. XXXX has been XXXX since XXXX, 2015. He is XXXX years old. We are NOT sure when he will be released, but we do know that we will only have XXXX XXXX as our income. When XXXX worked he was the owner of a company that provided XXXX XXXX for XXXX XXXX. He XXXX XXXX XXXX XXXX into XXXX. At one time, he was one of only 37 people who could XXXX XXXX XXXX XXXX. He provided a very important service which allowed many students an opportunity for a XXXX XXXX. What are the options since our combined income will be less than half of what it was? Recently, I have submitted paperwork for the loan to be in forbearance, but I do n't think that can go on much longer. Please let me know our options. NOTE : I am NOT listed on the loan, but I do have Power of Attorney to handle all of XXXX 's accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: DISCOVER BANK
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 XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( DISCOVERBANK XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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 the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX, XXXX account # XXXX, has violated my rights. 
XXXX XXXX, 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.

15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-09
Company: EQUIFAX, INC.
State: GA
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX I initiated an international wire transfer in the amount of {$300.00} through the Chase website. I have cancelled this transfer within 10 minutes of attempting it and received a confirmation on the screen that it was cancelled. However, when I later checked my bank statement, I realized that despite the transfer being cancelled the amount was still charged to my account and never refunded. Moreover, the intended addressee has not received the money either. When I first raised this issue by calling Customer Service, I had to be transferred 2-3 times, was kept on hold for over 40 minutes and finally disconnected. Before being disconnected, I was told that the transfer was indeed cancelled and the money should be returned to me, however, the only department that can do it " is very busy ''. When I called the second time ( on XX/XX/XXXX ), the same happened, whereby I had to speak to 2 different representatives ( the last one named XXXX ), who both confirmed that the bank has made a mistake and the money should be refunded, however, they stated ( after I was kept on hold for over 30 minutes ) that the only department that deals with it is closed at that time and I should call the next day. I requested the bank to handle this internally offline without my involvement and notify me when the refund is done since they already received and confirmed all the necessary information but was told that they are not able to do that unless I am on the phone. I consider this approach to issue resolution a " run-around '' tactic by the bank - the procedure seems to be deliberately structured in a way to inflict the most inconvenience and pain onto the customer without any justifiable reason. If initial information from me, as well as authorization to access my account info has been already provided several times, there should not be any reason for the bank not to resolve it. If it takes them more than 10 minutes to resolve the issue, they should have a process to complete the action offline without keeping the customer on hold for ridiculous stretches of time. The result is my money has been held by the bank for over 2  months now and after spending 1.5 hrs on the phone I have not yet received the refund. I do not have ability to call every day at specific times and stay on hold for a long time because of my work schedule. I request that the bank resolves this matter asap and notifies me when it 's done. Thank you for your help!

Company response to consumer: Closed with explanation