BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In early XXXX I registered for a XXXX XXXX XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get XXXX to resolve the issue. 
Since that date, the card has not shown up on my XXXX and Equifax credit reports. 
On XX/XX/XXXX, I did the following : I called XXXX about it, they told me it wasn't their fault and to call XXXX. 
I called XXXX, they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. 
I called XXXX, told them XXXX said to call them, and they escalate me to one of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking XXXX back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at XXXX and Equifax, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call XXXX again. 
I called XXXX, telling them what XXXX told me, and they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. I stressed to them that it's not XXXX 's fault, and asked to speak to a supervisor, but they refused and told me to call XXXX. 
I called XXXX, told them what XXXX said ( which is, not much ), and they said there's nothing they can do, it has to be solved by XXXX. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NC
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:
This is a follow up Complaint to the previous CFPB I submitted requesting the correction on the misleading information the Credit Bureaus have been reporting on my Credit File. I previously requested that the Credit Bureaus investigate the account : XXXX  XXXX XXXX with account number XXXX  and date opened : XX/XX/2021 as I believe the information reported by the Credit Bureaus is not accurate and is misleading. In accordance with the Fair Credit Reporting Act, I have the right to request an investigation, free of charge, and have any accounts and information reporting unverified and erroneous information corrected. I am submitting this CFPB Complaint to make sure that the Credit Bureaus are doing their responsibilities as per my requests. I have never missed a single payment on this account and it make me wonder as to where did the Credit Bureaus get the information that I missed some payments on this account? I need the Credit Bureaus to rectify this error 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 2021-10-21
Company: Chime Financial Inc
State: AL
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 some unauthorized transactions on my Chime account. I submitted a dispute form couple months ago and they had emailed me back saying it would be 10 days well in ten days they emailed me saying it was denied. I asked to see the documents they used to decide that and they emailed me saying the dispute was declined because I toled them my card was in my possession at the time however right under that was a copy of the form I submitted stating that the card was in fact not in my possession that it was stolen, So I submitted what they call a rebuttal and the next day I received emails saying it was declined and the matter was considered closed, I asked for the documents again and they have not sent me anything, I've got Alot of emails back and forth with them and they are just really disrespectful and they will not fix these charges! This has been going on for over two months now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: SYNCHRONY FINANCIAL
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:
Being lied to or given misleading information by a company is considered both an unfair and deceptive practice and is in violation of Unfair, Deception, and Abusive Acts Practices ( UDAAP ), under the Dodd-Frank Consumer Financial Protections Act of XXXX. 

Account number : XXXX XXXX XXXX XXXX I filed a dispute for a {$310.00} charge from a fraudulent company overseas, which was shut down by XXXX. The dispute was closed in my favor in XXXX of XXXX, but then PayPal charged me again because the seller said he sent the product to me, which did not even arrive until XXXX - 3 months after the dispute was closed. When the products arrived, it broken. I redisputed, and contacted PayPal Credit ( Synchrony Bank ) on XX/XX/XXXX, and again on XX/XX/XXXX. Both times, the representatives told me that it was over in my favor and that there won't be any more charges or re-dispute. The second representative ( supervisor named XXXX XXXX XXXX told me he will send in all documentations. 

Today, XX/XX/XXXX I learned that my account was charged again, so I contact the rep and talked to the supervisor. I showed them the chat transcripts and was informed that the previous representatives both gave me false information about the status of the dispute. Additionally, I was informed that the previous rep I spoke to could not even send over the documentation as promised, because they do not have the capabilities to do so. PayPal Credit now informs me that they are unable to help me, and that I must re-open another dispute. 

In total, I have been re-charged by a known fraudulent company three times, and have been given misinformation by company representatives on two different occasions. In addition to the hours I have spent attempting to resolve this issue, I am have been treated by multiple representatives in a way that violates UDAAP.

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 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

CAPITAL ONE BANK USA XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
I summited a complaint on XX/XX/XXXX  to Experian alerting them there is identity theft information on my consumer report on the CFPB portal. The company responded on XX/XX/XXXX  stating that the investigation was complete and all of the items will be deleted. They were initially deleted but Experian put the identity theft information back on my consumer report without my consent and also without even sending me a reinsertion letter like the FCRA states you should do. That is a violation of the FCRA and also they are willfully and knowingly reporting this information which is a defamation of my character to banks. Furthermore i will also file a lawsuit against Experian for violations of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Macys American Express decreased my credit limit from {$3500.00} to {$1800.00}, and never informed me about it. 
I was contacting this creditor and they said that I did not use the credit card so long, and that is why they decreased the credit limit. 
Then after that my credit score dropped 6 points.

I just was so sad about it and finally closed this credit card.

Amount decreased at the beginning of XX/XX/2021 I was contacting them in few days after Account closed approximately XXXX XXXX. 
I always pay my bill earlier. 
Now I have a mess at my credit history! 
Please help me to get it fixed. 
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 explanation
Consumer complaint received 2021-08-22
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In 2019, after having labwork done, CCS COLLECTIONS obtained all my information about what type of testing I had done - clearly violating my right to medical privacy. They contacted me multiple times to which I asked them to stop. After speaking with a representative from the company I was led to believe that I had paid off the collection, but was later told that I had settled for a lower amount. The original account holder offered me a payment plan but the collection company had already taken my personal information about my testing. This violated my HIPAA rights about disclosing medical information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reviewed by credit report its some fraudulent accounts appearing on my credit report that are incorrect and inconsistent. I will put the accounts below. 
XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX : Act # XXXX XXXX XXXX : Act # XXXX XXXX : Act # XXXX XXXX XXXX XXXX : Act # 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 2022-11-30
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINCL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There are a few accounts on my report that I do not recognize

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 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00}

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 2021-10-21
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: Information belongs to someone else

Complaint:
I have contacted Experian via certified mail, affidavit and with proof of my identification and demanded that they have remove the inaccurate addresses immediately from my credit report on XX/XX/2021. Till this day they have not removed the inaccurate errors, nor showed in a detailed fashion regarding there sources how they investigated my dispute. I must be compensated for these violations. 


I have contacted Experian via certified mail with return receipt on XX/XX/2021 for them to validate the debt, along with proof of my identification.Till this day they have not removed or validated the debt which means the inaccurate errors need to be removed immediately. I must be compensated for these violations.

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 2023-11-30
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called 3 times today I have been a called everyday repeated and a lady answered and threatened to track me down and make my life hard until I pay them. I dont feel safe Im worried and Im being harassed to the point where I feel major XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CITIBANK, N.A.
State: NV
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:
Citi Cards has three times ruled in favor of the merchant on dispute # XXXX for fraud, despite my having provided definitive proof. 
On XXXX XXXX I booked a non-refundable room at XXXX XXXX, XXXX XXXX for the nights of XXXX XXXX. I booked it only because the terms were ( and the confirmation guaranteed ) that my XXXX XXXX would not be charged until my XX/XX/XXXX arrival. 
XXXX XXXX fraudulently charged my Costco Visa the following day ( XXXX XXXX ) the full {$210.00}, over four months in advance. I called and they refused to reverse that fraudulent charge. 
I booked to pay only on XXXX XXXX arrival because I could be denied a room due to overbooking, property damage or COVID-19 closure. I would then have no recourse through Citi Cards for recovering these monies paid months in advance. My confirmation confirms those were the terms, and XXXX XXXX ignored them. 
Citi Cards ruled in favor of the merchant twice for reasons unrelated to my dispute, then finally ruled for the merchant on the basis that the merchant 's terms and conditions apply. The merchant 's policy was disclosed in the confirmation provided. The confirmation proves the exact opposite of that statement, yet Citi Cards refuses to consider the dispute further. 
The tone and content of the last two Citi Card decisions were insulting and threatening. We have for years charged many tens of thousands of goods and services on this card ( over {$28000.00} in 2019 alone ), always paying the balance monthly in full and on time. Their admonition that we pay up or be reported to the credit bureaus is insulting.

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 2022-05-26
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue, for the past two years, receiving invoices from XXXX XXXX XXXX XXXX XXXX ( a debt collection company XXXX Synchrony Bank, XXXX, account number ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$340.00}. I tried contacting XXXX at the XXXX number on the invoice over a year ago and when I gave them the last four digits of the Acct. #, they promptly asked me for my social security number ( the person answering the number had a foreign accent ). I hung up realizing the invoice was a SCAM. I pay all my bills on time and do not owe anyone any money and never had a credit card or other account with the four digit account number given on the invoice ( XXXX ). They continue to send me invoices each month, with three options to pay off the {$340.00}, 10 % off, 5 % off or build your own plan. What I find very odd, is they put this invoice each month in a different type of envelope, sometimes big ones, sometimes colored ones which makes me not know who the mail is from, which requires me to open it rather than toss it as SCAM. Please arrange to look into this company. If anything were to happen to me, my estate would think I owed the money, and I do not. I want these scam invoices to stop being sent to my address. There is no return address on the incoming envelope, making it impossible for me to " return to sender. ''

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 2022-05-27
Company: Experian Information Solutions Inc.
State: SC
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:
we have sent letters to the company and to the credit bureau asking them to remove the negative items and they still wont handle the issues. the usps tracking numbers are XXXX XXXX XXXX XXXX XXXX and 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 2022-05-12
Company: EQUIFAX, 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 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. Please delete this account from my credit report immediately as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have fraud phone numbers on my personal file ( 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 2023-06-07
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have the Goldman Sachs Apple Credit Card and have contacted them 2x about the problem that they froze my card for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX BANK 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