BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 asked the credit bureau to complete a thorough investigation of my report. They stated everything was accurate. After i completed my investigation, I verified there was multiple improper inaccuracies on my report. I have attached all account numbers and names to documents for review. 

In accordance with the fair credit reporting act my rights has been viloated. 

15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I visited a branch in XXXX regarding my DC Citibank account to reconcile the account which was overdrawn by {$19.00}. I was told that the account was closed, then received an email attempting to collect {$52.00} for an account that I was prevented from reconciling due to Citibank 's procedures. 

This is predatory and discriminatory. As a person with XXXX currently in litigation, this is not what I expected.

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 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have now received more than XXXX piece of mail regarding debt that is not mine. I am trying to clear my credit and I believe someone has stolen my identity. 

As you can see on these statements just received the dates are XXXX. There is an odd amounts for limits {$550.00}, there are no charges explained, these are both fraudulent bills. 

I have had previous accounts that were dismissed due to not being mine. 

I have a credit card with Capitol One and this is not it. I do not own this account, nor did I open this account. 

The attached does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX my deposit was in my account for XXXX Ive talked to several of chime representatives I was told to send emails and also verify my my self with my photos Ive been calling about my money and keep getting the same response as to send them emails and that they cant verify me I answered they security question on my phone with them every time I call name number email last 5 settled transactions and my social security number still no response and no answers to to why Im not able to log in my chime app and as to where my money I was told that there was 3 transactions that I have no clue where it came from told them to stop payment and close my account they refuse to i keep recieving emails from chime saying my number has been updated also my number and name they giving me some fraudaulant email to use just to log in my chime app with somebody elses name email and they number and wants me to take a selfie of myself and my id to got them to verify myself with this person email and phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: DISCOVER BANK
State: VA
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:
It was bought to my attention on XX/XX/2023 that according to the Uniform Commercial Code I had other ways to tender payment besides federal reserve notes, which is the most commonly used payment method. According to UCC code 3-603. TENDER OF PAYMENT, and 3-602. PAYMENT, and 3-104. NEGOTIABLE INSTRUMENT. Discover has decided to acknowledge receipt of the Payment Coupon that was detached and returned to set off, remit, or discharge debt. As a result they have sent multiple requests for additional payment in Federal reserve notes. I have spoken with a manager who stated I just sent them a piece of paper although I sent certified mail an endorsed payment coupon. UCC code 3-206. RESTRICTIVE INDORSEMENT. They are also threatening to report late transactions to credit reporting agencies who are also violating the UCC codes. 603 - 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) states that reports containing information solely as to transactions or experiences between the consumer and the person making the report ; should not be included. I have tried to contact customer service about the matter I also started a claim with Discover in regards to the matter. This is impacting me negatively as I have an expanding business and Discover is reflecting negative information on my credit report and denying a legal tender of payment. I have attached several supporting documents and would like this matter resolved urgently as the negative report is denying me access and creating a costly negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: LendingUSA
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:
This complaint is to report the inaccurate credit reporting by XXXX. The account FA - LENDING USA XXXX should be immediately deleted from my credit report due to incorrect information. I never had a charged off account with this company. Also, FA - LENDING USA has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Also, if an account is charged off then I should have received a 1099c from the company and I did not receive anything. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.

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 2022-12-28
Company: Experian Information Solutions 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:
XX/XX/XXXX I sent dispute letters certified mail, tracking XXXX notifying of that I was avictim of Identity theft.I filed a FTC AFFIDAVIT along with claims of the XXXX settlement and the XXXX XXXX Data breach Breach notices. 
My report had erroneous names, addresses, phone numbers and accounts that I did not open. 
FRCA laws states I have a fair and accurate reporting o on report. 15 U.S.C 1681 ( a ) all must be accurate and in a timely manner. 
EXPERIAN illegally opened a dispute on my credit report at XXXX XXXX  on XX/XX/2022 and withing 35 minutes, they said it was verified. I spoke to the customer service from EXPERIAN and XXXX said they dont do investigations. I believe this is violation of my rights under the FRCA and also under 15 U.S.C 1681 codes. There were two fraudulant XXXX XXXX accounts, one has been deleted and one is updated. Both accounts should be deleted not just one. This proves that the credit bureaus that they are not acting according to law. Now XXXX XXXX and Experian shows another different account number from my original report, Acct XXXX was deleted. 
Now Experian puts on my report the same account with different account number for the same deleted XXXX XXXX XXXX XXXX acount. 
I have sent the original FTC affidavit with those accounts to prove they are were originally that account number nut, now shows diiferent. 

Acct XXXX was deleted but EXPERIAN and XXXX XXXX have fraudualntly added XXXX to my report, this is the same account with a different number. More proof of violations of my rights by not investugating and furnishing accurate data. 

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 2022-10-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX. Last 4 of SSN : XXXX. Address XXXX XXXX XXXX, XXXX, TN XXXX. Equifax is not reporting information on my credit report. It is negatively affecting my ability to obtain credit. I sent them a letter as well as a copy of my State ID card and social security card. Equifax responded with a letter asking for a copy of my state ID card and social security card. This makes absolutely no sense. Why is Equifax asking for the exact information that I already sent. My ID card has an address of XXXX XXXX XXXX. Equifax claims this is a problem. THIS MAKES NO SENSE!!! There is ABSOLUTELY NO REASON for Equifax to not report information on my report. And I will no longer take " We're working on the issue '' as an excuse. This seems to be Equifax standard response and they've used it several times. If Equifax fails to report my information by XXXX XXXX XXXX I will be filing a lawsuit on XXXX XXXX XXXX in XXXX XXXX Court. This is the last time I'm going to deal with Equifax concerning this matter. Equifax has proven to me that they are not making a serious attempt to resolve this matter. Even after I provided Equifax with a copy of my ID and social security card they still sent me a letter with a MIDDLE NAME THAT DOES NOT BELONG TO ME!!!!!!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: GOLDMAN SACHS BANK USA
State: NY
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 used my Apple Card by XXXX. Bank for 2 different car reservations from XXXX XXXX XXXX One was from XX/XX/2023 until XX/XX/2023 and the other was from XX/XX/2023 until XX/XX/2023. I disputed the charges because they were not as agreed upon when I booked the reservations for the vehicles. The XXXX reservation was overcharged by {$800.00}, and the later XXXX reservation was overcharged by {$2000.00}. The XXXX reservation included upgrade charges of {$720.00} for which I shouldnt have to pay because the vehicle I booked and reserved beforehand was not available for me on pickup day and time. The issue Im having is that the credit card company issued me a provisional credit while those charges were investigated. However, the provisional credit isnt available to the customer to use if they choose to do so. The credit card company explained to me over the phone that until the disputes get resolved I wont see that credit in my available balance. In other words, your credit card limit is lowered by the credit that is being disputed upon, until those matters are resolved. I responded by saying that according to the American dictionary that is not how provisional credit is supposed to be afforded. They responded by saying that there was nothing else I could do except wait for a completion of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing to you regarding a matter of utmost importance pertaining to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) as defined in the United States Code, Title 15, Section 1681. As an informed and responsible consumer, I am fully aware of the protections granted to me under the FCRA, which are designed to ensure the accuracy, fairness, and privacy of information contained in consumer reports. It has come to my attention that certain activities have occurred that potentially violate the provisions set forth by the FCRA, prompting me to bring this matter to your attention and seek resolution in accordance with the law. I am trying to to start building my credit for a house and car. I mailed the the 3 major credit bureaus about a inaccurate information on my credit report. This is very vital that I get this fixed but none of the credit bureaus contacted me. My XXXX XXXX collection was written off for the amount of {$1000.00} as a of XX/XX/2021. I also have one with XXXX XXXX XXXX. I trust that you will treat this matter with the seriousness it deserves and take the necessary steps to address the issue promptly. Failure to comply with the FCRA may result in legal consequences, which I hope we can avoid by resolving this matter in a mutually satisfactory manner.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 account under an open consumer credit plan as late for any reason.

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 2023-05-10
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They failed to validate a debt that is not mine and and tried to get me to sign their contracts. I have never done business with these companies. They taunted me by mail and over the phone by robotic response system. Failed to CEASE AND DESIST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed of {$25000.00} US dollars by XXXX XXXX XXXX XXXX. 
I'm a member of USAA and they sent the wire to pay and I'm protected by the bank. 
Included is proof of exactly what happened!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 states a consumer reporting agency can not flourish 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had posted an advertisement on XXXX looking for a roommate. A person named XXXX XXXX ( XXXX, XXXX ) reached out to me via email that he is looking for accommodation for his daughter and is interested in it on XX/XX/XXXX. He mentioned that his daughter XXXX XXXX ( XXXX ) would be moving in XX/XX/XXXX and sent her ID proof ( passport ). I had requested an amount of XXXX $ for the rent ( XXXX for XX/XX/XXXX to XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX rent - XXXX $ ). He sent me a check for XXXX $ via email on the same day and asked to do a mobile deposit and I did and asked me to deduct the rent amount ( XXXX $ ) and send the remaining amount ( XXXX $ = XXXX $ - XXXX $ ) via Chase XXXX to a specific contact number of XXXX ( XXXX ). On XX/XX/XXXX the check got cleared and I received the funds. On the same day, I sent XXXX $ through XXXX to the above number. On XX/XX/XXXX I sent the remaining XXXX $ through XXXX to the same number. On XX/XX/XXXX the check for XXXX $ was recalled back and the funds were removed from my account. I called Chase and they mentioned that the depositor had requested for the check to be recalled. I don't know how Chase permits to recall checks that are already cleared. 

I have filed a police report in XXXX, Washington and the investigation in ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On Saturday. XXXX XXXX I applied online at Capital One website for a credit increase on my Unsecure Visa Credit card as I am eligible for a credit increase as been making on time payments on time since XX/XX/2018 till Present. 
Capital One sent me a decline letter on XXXX XXXX on my credit increase. 
Capital One stated that I was decline because my balance is at XXXX and I only pay {$4000.00} a month I increase my payments to {$100.00} on XXXX XXXX but Capital One will not Approve my credit line increase because of my XXXX XXXXXXXX Status. 

Plus my XXXX XXXX as a XXXX XXXX American .Capital One has decline me on my credit card increase for two years already. 
This is a XXXX and XXXX Issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 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 relating 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 2022-12-28
Company: Experian Information Solutions Inc.
State: PA
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 Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : 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 relating 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 explanation
Consumer complaint received 2022-12-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
A transaction was made on my Venmo account to a XXXX  company and Venmo only reimbursed me a partial amount of the XXXX refund leaving my account on Venmo in a negative status of XXXX.

Company response to consumer: Closed with explanation