BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, my credit score with XXXX was XXXX & with Equifax it was XXXX.I closed a credit card account I had-XXXX  XXXX, I paid them off in full but in XXXX, they reported to the 3 major credit agencies that I was 30 days late.I sent XXXX, Equifax, * XXXX PROOF that I paid this account in fullXXXX XX/XX/XXXX, XXXX raised my score up to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX followed them with the exact same score.ONLY EQUIFAX, from last XXXX XXXX UP TO NOW STILL HAS MY SCORE AT XXXX!!!!!!!!! I checked my score with XXXX in XXXX, it is XXXX XXXX, I received an e-mail stating XXXX XXXX admitted I was NEVER LATE WITH ANY PAYMENT!!!!!!!!!! I've sent all PROOF along with other numerous letters to Equifax-THEY REFUSE TO RAISE MY SCORE AT ALL!!!!!!!! HOW CAN 5 credit agencies have my credit score at an EXCELLENT RATING & Equifax HAVE IT AT ONLY A FAIR RATING? EQUIFAX IS BEING TOTALLY UNJUST, UNFAIR, & INCORRECT WITH ME & MY CREDIT SCORE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: CITIBANK, N.A.
State: MO
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:
My name is XXXX XXXX. On XX/XX/XXXX I purchased a vacation package ( flight & hotel ) for {$1800.00} to XXXX XXXX. As the pandemic was unfolding XXXX emailed me and said they canceled my hotel and I should contact my credit card holder for assistance. Then 2 hrs later XXXX canceled my flights. XXXX refunded my flights to XXXX. Immediately, XXXX 's on line site went down and phone lines had the recording stating the same as the email I received. I am on my 3rd round of disputing this charge with CITI Card at billingdispute@citi.com. I started my dispute XX/XX/XXXX. On XX/XX/XXXX I called on the dispute cause I had not heard anything for 2 months. I was told they notified me they needed more documents. I said I had not received an email or phone call. They said they notified me on their on line site under e-communications which I knew nothing about this link! I would have monitored it if I did! I mailed all the docs they said they needed on XX/XX/XXXX. Yesterday XX/XX/XXXX I went on line and it said it was ruled in merchant 's favor. I called and asked HOW did they determine that? Again, they needed more docs!!! Everything they asked for again I had provided and they said it was not there! This time they also wanted a letter from me stating I had received no funds or compensation in any way for the trip. Last night ( XX/XX/XXXX ) I emailed everything this time so I can pull up the doc to show them it is provided!! Now waiting for round 3. It is dispute no. XXXX with CITI BECAUSE of charging me and no delivery or refund from 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX 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 instrucTons 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 man seven vears 15 U.S.C. 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 nas reasonable cause to belleve 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 2022-01-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND HAVE CAUSED ME A LOT OF EMOTIONAL DISTRESS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have received another 2 credit card offers from XXXX. Since I must have opted out to receive any credit cards and this so-called Experian must have known the reality that I opted out due to the position to be noticed officially, the continuous offers from this company must be questionable ethically, morally, and, possibly, legally.

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 2023-12-05
Company: EdFinancial Services
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All of my account balances have been paid off since XX/XX/XXXX & XX/XX/XXXX. Edfinancial has still to respond to my initial compliant. This is the only way i can get my loans amounts updated.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX and XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to file a complaint and dispute this charges on collection. I sent a written disputed letter since I am not aware of this company. But never received anything after filing a dispute for this charges on  XXXX   XXXX ,   XXXX   which they indicated I have 30 days to dispute this charges. Please see attached for the dispute letter I have sent to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank of America wanted to changed the terms of my credit card that I have had for over 20 years. 

They say I have to have a bank of America checking account to qualify for the premium points. I pointed out that my Merril Lynch checking account literally says its a BANK of AMERICA Account. 

They claimed it doesn't count.

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 2023-12-05
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I Applied For A CHASE BANK Credit Card And Got Denied. 
Regardless Of The Reason For Denial, I Have A Right To Credit. 
Withholding My Access To My Securities Is Securities Fraud. 
CHASE BANK Is Violating The Equal Credit Opportunity Act And The Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX XXXX XXXXXXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
In XX/XX/2018 I performed a n {$18000.00} balance transfer to a promotional 0 % offer on my USAA credit cards. I spoke with a representative prior to confirm I could continue using the card for everyday spending, and that my payments would be applies as follows : minimum payment to fees, interest, and/or the balance transfer and that all payment in excess would be applied to the higher interest purchases. It was obvious very quickly that I was being charged interest every month on my new purchases, despite paying enough to cover the minimum payment an new purchases. I spoke with USAA again, it was possible it was because of the timing when I would make my payments. Over the next several months I tried various things and was always being charged interest. Finally, I decided not to spend any more on this card and only have the balance transfer on it. My new spending for the cycle ending XX/XX/XXXX on XX/XX/XXXX was {$3300.00} and my balance transfer balance balance was {$13000.00}. XX/XX/XXXX I paid {$3500.00}, and on XX/XX/XXXX I paid {$1000.00}. On my XX/XX/XXXX statement my Balance transfer balance is now only {$100000.00}. This means of my {$4500.00} XXXX payments roughly {$2400.00} was paid on my balance transfer at 0 percent interest. The application of my payments has not followed any prescribed formula that they told me, and also violates the rules set forth in the CARD Act regarding applying payments to the highest rate balance first. I have asked the company repeatedly to address this, they will not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I paid for services for an attorney to file XXXX  XXXX bankruptcy.Unfortunately, the attorney passed away before filing.I have all documentation that will prove this was the case.I am waiting to hear about my {$1600.00} that was paid in advance but have heard nothing from the estate handling the dispersal of funds.I do not have another {$1600.00} to pay another attorney.I have explained this several times to all of these collection agencies.As time progresses I receive more judgments and threatening letter. I have been a recipient of many violations at this point.Just recently I had went to a job interview and was notified that there was a judgment against me. I find this very alarming due to the fact that it would be a future employer. I am aware there are laws in place to prevent this sort of thing. In this instance I believe a privacy law was violated.I have tried to rectify my financial problems with these collection agency but find it virtually impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm trying to buy another home and realized I have damages on my credit report. According to the 15 USC 1681 law, there should not be any damages to your credit, and is defamation of my character.

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 2023-07-21
Company: Block, Inc.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX my apartment was broken into and everything stolen including car, clothes, laptop, wallet and phone. I was XXXX  during this time and was only aware of money stolen frome XXXX  due to fact I was XXXX  during this time. I made the original police report on XX/XX/XXXX from inside the XXXX XXXX  with help from XXXX XXXX there. When I was released and able to access statements I saw cashapp had XXXX transactions as well during this time XXXX on XX/XX/XXXX to the amount of XXXX to an XXXX  XXXX whom I have never heard of nor do I know. I gave both XXXX  and cash app police report and contact info as well as statement from XXXX  confirming I was in XXXX  during that time. I did not give anyone password, phone code or permission to use any of my banking cards nor to take my money. All calls and correspondence from XXXX  are monitored and it is easily proven I did not authorize anybody. I have filed disputes and they have refunded the XXXX smaller transactions however refuse to refund the {$880.00} claiming no error occurred. I do not know who stole my things nor did I ask them to steal from me. Yesterday yet again claim was denied due to their claim it was completed by me while I was XXXX  and unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a 24 month interest promotional account with Macys. After paying over the minimum balance for months I realize that the promotional amount is not being reduced. I found out that I have to call customer service every month and tell how much should go to the promotional balance. It seem to work until XXXX of XXXX. I call two or three times in a month but the amount has not reduced. Customer Service states that is take 2 to 3 statements to reduce the amount. From XXXX to XX/XX/XXXX the amount has not change. Here is my real issue. The payoff is suppose to be XX/XX/XXXX. If I made the payment on XX/XX/XXXX and Macy 's credits my account in two to three months I will have to pay about {$1500.00} interest. 
I asked May 's Customer Service for a number or address to file a compliant and was told that they don't have a complaint department. Two other customer service people have me two different addresses. 
The can't be fair

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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:
There are unauthorized unrecognizable inquiries, addresses, names, and social security numbers listed on my credit profile. I did not authorize any of the listed information. Please block and delete. Unauthorized names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only name that is supposed to be on my credit profile is " XXXX XXXX '' any other name is misleading to other businesses when they legally inquire on my credit report. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Social Security Numbers : XXXX XXXX XXXX XXXX The one and only social security number that is supposed to be on my credit profile is : XXXX Unauthorized Addresses : 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 explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-12-05
Company: Aqua Finance, Inc.
State: NY
Product: Credit reporting 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 and reporting act this creditor had violated my rights under 15 usc 1681 section six to state I have the right to privacy. It also states a consumer reporting agency can not furnish and account without my written instructions under 15 uscs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation