BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2023-06-26
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear CFPB, Madam/ Sir : On or about, XX/XX/2023. I checked my XXXX Credit Report and I saw in my XXXX Credit Report, an Unknown name of a debt collector that I have NO KNOWLEDGE of it at all. Also I never received a letter in writing notification from this debt collector as per Federal Laws dictate. A debt collector MUST write a letter to the consumer and, I have XXXX  days time limit to respond. However this Unknown name of the debt collector and the amount that the debt collector wants me to pay. There is also no account number in my XXXX credit report. Thank you, for your assistance in this important matter. Respectfully yours. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. Remove this late payments and update the accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase XXXX XXXX XXXX. I have three cards with Chase and all were configured with Autopay. The ChasXXXX XXXX XXXX which I rarely use and has had a ZERO balance for most of the year somehow got removed from Autopay and I was charged in XXXX both late fee and interest for XXXX. I called in XXXX and they resolved the issue by crediting me the late fee and interest, acknowledge there was an issue with the Autopay being removed by their system ( or someone at Chase ). 
Once more XX/XX/XXXX I was charged another late fee, and interest on said fee on XX/XX/XXXX. I made zero purchases, the balance should have been zero. I called Chase and was told by a supervisor that this was because they credited me 2x the original {$40.00} late fee and one of these was removed. I was never informed of this, and still don't understand where any late fee on no payment due derived. I asked that they correct the issue again and just cancel 2 of my 3 cards as I don't use them and they obviously have issues. The supervisor on the phone didn't want to do this, she wanted to investigate and argue with me and tell me she couldn't do anything as I kept asking/canceling what I was asking. This was not true -- I reiterated I wanted the cards cancelled and I should be credited for my time for having to call and sit on hold over and over. She proceeded to read me a script and I tried to interrupt her but she told me she was going to keep reading. 
So in effect, Chase refuses to correct their mistake and cancel my cards and play games with semantics and reading scripts. How the Autopay keeps getting removed is a mystery, apparently, but its happened twice now to the same account that had Autopay set for years. 

I spoke to supervisors XXXX and XXXX. XXXX placed me on hold despite my request not to be placed on hold. XXXX insisted that I should have known that there was a charge as they sent me the bill so I should have known there was a late fee. However I never received a notice of a charge of any kind so I didn't bother to review that bill. She proceeded to be condescending and explain to me how late fees work. I called her names. I wish I had called her worse names.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid off.

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 2023-06-26
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account at Truist on Friday XX/XX/23 with an opening deposit of {$50.00}. I changed my direct deposit so that it would go to this bank at the end of this month ( XXXX ). I received e-mail confirmation on Friday that my opening deposit was successful and I had successfully set up XXXX on the account. When I tried to access the account this morning, I received a message that the account was locked. I called the number listed on the message and the customer service agent told me I needed to verify my identity by going into a branch, but the closest branch is in XXXX, almost XXXX hours away by public transit! XXXX XXXX XXXX and do n't drive. On top of this, the branch isn't even open on the weekends so I would have to request unpaid time off to fix this bank error. 

If the bank can't verify my identity they shouldn't open the account and they shouldn't take my money, it's just irresponsible to put all of the burden on the customer in these circumstances. I was going to make this my main bank so took a lot of time to switch everything over and now I won't have access to my funds for at least two weeks with the holiday, which is a real financial hardship for my household. 

It would have been one thing if I was told that I may need to come into a branch to verify identity when I was opening the account : in all honesty, I probably would NOT have opened the account then because the nearest branch is XXXX hours away. But it is predatory for the bank to do this after the account has been opened and funded and my payroll switched over so they can keep my money for longer without any explanation.

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 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I applied for a XXXX XXXX XXXX with Capital one. This is the second time i have applied with them. But both times they keep saying XXXX  is reporting my score to be XXXX. This has happened both times and were the cause of my denial. I contacted XXXX  the next day and pulled my score which was XXXX and has been for months now. XXXX emailed me back and gave me instructions to report them to you and other agencies. I have all the receipts of email from both Capital one and XXXX. This is affecting my business ventures. I have over 700 scores with all three major Bureaus. 

I need something done about this. Now I checked my XXXX  score and it is XXXX as of XX/XX/2021 because of the hard pull from Capital one who denied my application on false info twice. 
Thank you very much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I typically set up a payment weeks before it's due so that I have no problem paying my credit cards. I set this payment to be taken on Thursday, XX/XX/2023 from my checking account for {$220.00}. I'm not sure who's to blame but if I don't get the answers I need or if it's not properly handled, I will do whatever is necessary in my powers to make everyone pay for this. I feel as though someone is deliberately trying to ruin my credit. There was more than enough money to take care of this bill. Capital one even sent an email stating the payment posted. I receive a email on Thursday, XX/XX/XXXX stating he payment was returned. I'm beyond furious, trust me when I tell you this. My payments are being debited fast enough and posting as they should and it's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX : XXXX I Do not now nor have I ever had an account with this business,, this debt was previously listed under XXXX XXXX XXXX, it was removed and then placed back under a new name within just a few days, i believe these two companies are working together and placing items on credit files

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 2021-01-22
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Payment is sent to company each month. They have not recorded payments sent then proceeded to charge late charges. I submitted my proof of payments, since XX/XX/2020 still awaiting adjustments. Also company requesting Automatic Withdraws or will charge fees. Also their invoices are hard to read and do not show balance or principle payment. I send more than initial payment but dont see overpaid to principal or balance. Is there standards or compliance procedures for consumer invoices?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
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 submitted a letter to the XXXX Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX 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 2019-11-22
Company: AMERICAN EXPRESS COMPANY
State: FL
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 called many times XXXX to report that I never did a bankruptcy that was reported under my old Amex account. I disputed two times, and they always answered that after dispute it is there to stay until XX/XX/XXXX. I called Amex, and same answer. On XX/XX/XXXX, I went to United Sates Bankruptcy Court Southern District of Florida, and I paid to have them to do a search, and they did issue a sealed one page report stating that they " none found '' any pending or closed bankruptcy cases in this district. It's been 6 months that I'm fighting and dispute with XX/XX/XXXX, they hung up on me, and a supervisor even read the notes that other employees put in my file, and the employee lied in his notes. 

How come a reporting agency or a credit card can put whatever they want even if it's not true. It's illegal, false information, I NEVER did a bankruptcy. This is destroying my life. In the USA you can not do anything with this mention in your credit bureau, your life is almost destroyed. I had more than 36 mistakes in my file with XX/XX/XXXX this year. In the report attached with this complaint you will see that in XX/XX/XXXX they were supposed to DELETED the bankruptcy and they never did. That's a lie. Why sending a Dispute Report if it this not true? XX/XX/XXXX as the goal to destroy people only. They just care for the paid clients like AMEX. 

I will attached also a letter directly from AMEX that I received in early XX/XX/XXXX, and in the rectangle everything that is there, it is totally false, they did exactly the opposite. They still report me every month even if my account is close since long time, that file affect my credit score no doubt.

That needs to stop. If this system can allow me to download documents, I will certainly join proof for CFPB to help me as quickly as possible.

I also have another NEW problem with XX/XX/XXXX since yesterday. I think, not to mix things, that I will initiate another complaint after this one, to be able to explain my NEW problem with XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: SC
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:
To Whom It May Concern : The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called factual disputing methodology. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the fancy jargon in this round to prevent it being misinterpreted as coming from a credit repair company. 
You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX  ) and others who furnish third party disputes free of charge, etc. 

Collection Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-30
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On the XXXXXXXX XXXX XXXXXXXX, I went to a local XXXX XXXX. to purchase a Netspend Prepaid XXXX Card. after putting XXXX dollars into this Prepaid Card. I Opened the site netspend.com to activate my card. I got a email a while later which before I had to use my social security number which I only have access to and i was out with my family on vacation while getting this but that information is going to be useful later on. I received an email from XXXX saying they could not activate my card. so they wanted me to call the number on the back of the card i bought. after calling the number. i attempted to activate via SMS. the link failed to load and kept saying error. So i resorted to dialing actually support on the phone number. When i got a hold of a support employee for activation. they asked for these : my first name, last name, last 4 digits of the credit card. my full social security number. my birthday, my XXXX i used to activate that account, and lastly a address, they said they got the information but said they were gon na hold the activation until i sent my social security card, my birth certificate, and my state id. which i dont even have a hold of, Neither would i want to give them that information on a prepaid card with just XXXX bucks on it. so on the XXXX XXXX XXXXXXXX i called again with the permission and help of my father, they still made it a challenge and didn't a activation, they still wanted my SS card, my birth certificate and my state id. still I'm hesitant to give such a company as netspend that. one I'm new with and just wanted to use a prepaid card for virtual purchases. I intended to use my money i put into this card. not work and stress my way to earn my money back.

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 2021-11-19
Company: Credit Technologies, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 explanation
Consumer complaint received 2023-06-16
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation