BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Numebr XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX and XXXX Account Number : XXXX 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 XXXX 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2024-01-08
Company: Westlake Services, LLC
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:
Company removed from XXXX credit file but did not remove from my XXXX XXXX was notified with a letter from westlake portfolio management but XXXX said they were never notified.

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 2019-04-26
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
*CBA Violated/failed to respond per Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and CBA treated my request as FDCPA ( The Fair Debt Collection Practices Act ).

Complaints, As of today XX/XX/19 CBA violated Texas Finance Code 392.202 1. CBA didn't provide the correct validation 2. Hasn't removed trade lines from all 3 credit bureau 's reports.

Please see the attachment for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid 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:
I received several e-mails from Capital One ( specifically on XX/XX/2021, XX/XX/2021, and XX/XX/2021 ), inviting me to " see if I was pre-approved '' for one of their credit cards. Notably, Capital One offered that doing the above would have " no impact on my credit scorXXXX. '' On XX/XX/2021, I accepted the above invitation, entered some information, and was informed that I was, indeed, " pre-approved '' for one of their credit cards, and was invited to apply. 

Moments later ( XX/XX/2021 ), I did, indeed apply for a Capital One credit card, and was immediately told that my application was denied. Additionally, I now have at least one additional " pull '' on my credit history, which I would have very much preferred not to have had, particularly if I knew that I'd be denied for the card I was invited to apply for.

Capital One 's practices ( at least with me ) appear to be deceptive, fraudulent, and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Sequium Asset Solutions, LLC
State: OH
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 2023-12-31
Company: CITIBANK, N.A.
State: TX
Product: Credit 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:
I reported multiple persistent fraudulentactivitieson XX/XX/XXXX, XXXX, XXXX, XXXX of XXXX, even after continuously cancelling credit cards. I suspected someone somehow got a hold of my credit card information online since I did not lose my card. I begged for Citi employees to delete all my digital wallet connections, and once one employee finally listened to my pleas, the fraudulent charges stopped. 

Unfortunately, the dispute process has not gone the way it should. While Citi credited most of the fraudulent charges, Citi is saying that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my responsibility, even though other multiple fraudulent XXXX charges have been reimbursed. This doesn't make any logical sense ; if you look at it carefully, I was charged XXXX XXXX+ foreign transaction fees. It's clearly a fraudulentcharge, as I have never been to the XXXX. And yet, Citi somehow states that I am responsible, when other XXXX charges aren't. 

Additionally, they are struggling to credit the fraudulent XXXX charge on XX/XX/XXXX ( disputed on XX/XX/XXXX ) as well for {$51.00}.

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 monetary relief
Consumer complaint received 2021-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Constantly getting emails about credit reports, credit card capital one invoices about payments ... and Ive NEVER had a credit card in my name EVER ... Im XXXX Ive applied but have never been approved so the fact there are credit cards out there somewhere in my name is ridiculous ... how do we get this fixed??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws- XXXX  Inquiry on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my credit report originating from XXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which grant consumers the right to accurate and fair credit reporting. 

Details of the Disputed Inquiry : Creditor : XXXX  Inquiry Date : XX/XX/2022 Credit Bureau : [ Specify the credit bureau where the inquiry is listed ] Basis for Dispute : Upon careful examination of my credit report, I can confirm that I did not provide authorization for, nor did I initiate any credit application or transaction with XXXX on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed. 

Requested Actions : I kindly request the following actions in accordance with FCRA guidelines :

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After sending repeated request from Trans Union the description of thier investigation along with thier method of verification via certified mail on the two disputed old accounts from the 3rd party debt collectors ; XXXX XXXX XXXX accnts 1 ) XXXX and 2. ) XXXXThey failed to send the information and just sent me a letter saying the accounts were accurate. I called Trans Union and spoke with a supervisor who told me Trans Union DO NOT conduct investigations and thats the Collection agency 's responsibility. They only submit the info given to them. The supervisor was not in the U.S.A and WAS NOT familiar with any U.S LAWS governed by the CFPB, FTC or any other U.S. government Agency.! Consumer Reporting Agengies have assumed a vital role and have a grave responsibility to report Consumer information to the best of thier ability with Maximun Accuracy. According to the Law " 15 U.S. Code 1681-i " Trans Union is clearly in Violation of the Law. The supervisor assured me that the 3rd Party Debt collector are the ones responsible for investigating the debt that they report and they can only give consumers the info thats given to them by the debt collector. This is not only violating Federal Law, but there's no way a fair / accurate investigation can be conducted if done by the 3rd party debt collector with very little information on a brought and sold debt.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
New and updated information. Transunion has not fixed the inaccuracies on my consumer report and continue to fraudulently act on my behalf ( see exhibit A ). I am in fact the consumer, acting on my own behalf without the help of any third party. Transunion continues to violate 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They are also violating many more of my consumer rights. Please see the attached documents as it contains my full complaint.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am XXXX. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this

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 2021-02-12
Company: CHARLES SCHWAB CORPORATION, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 I placed a transfer from my primary checking to my brokerage account, internally, both accounts are with Charles Schwab. The money was debited from my checking account but never credited to my brokerage account. I called Charles Schwab after about 30 minutes and asked why it wasn't available. They had said they are aware of the issue and are working on resolving it in just a few hours. A few hours pass and I call Charles Schwab again and am told that it will be resolved within the hour. The day ends and the money is still gone from my account. Today, XX/XX/2021 the money is still not in my account. I contact Charles Schwab upset that we are about to go into a 3 day weekend and I now have no money in my account. The supervisor that spoke to me basically told me to just relax and wait. I got upset with this answer and he hung up on me. I've missed 2 trading days because of this and am now about to have no access to my money for 5 days.

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 2019-01-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I physically mailed the note below to American Express I have called multiple times and each time I get passed around to multiple departments ... customer service, membership awards, technical support. 

Since my last call I have added the following points : 1 ) My account was closed XXXX  XXXX, They have record of me calling to check on the issue XX/XX/XXXX 2 ) They have responded to me via electronic notification but because they closed my account I have no way to get to their message or response. Additionally, no one in support can help me get that message 3 ) I was not notified or checked in with to confirm if my account should be closed at any time. Nor was any thought or care given to what I recall as XXXX rewards points 4 ) I believe customer support said that they did receive a payment from me for the membership fee. This is also odd Letter I sent to American Express. 
To whom it may concern, I have been an American Express Member since XXXX and one of my key reasons for being a long time regular member was the XXXX rewards program. 
Unfortunately my business has slowed down recently but is picking back up. I called in yesterday to check into my account and identified 1 ) my account was closed 2 ) my membership rewards are not accessible I know I had accumulated nearly 1M points and that is very important to me. and I also did not receive a notification of account closure etc If I was notified I would have addressed any issues immediately. 

I was able to call in recently and I believe a case is opened under my name. 

My ask ( s ) : Can I get my account reinstated? 
Can I have my points reinstated? 
If there are any issues can you let me know and I can resolve immediately. 

Again, I am a loyal long time member. I have shared my experiences with countless business and family members to encourage their using XXXX. My family members who are also members are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I would like to continue to be a champion for American Express and their rewards. I find myself in a tough situation with my card being removed, my point balance, and no notification. 

My account information : XXXX XXXX DOB : XX/XX/XXXX Account ending in XXXX Last four of social XXXX Account address : XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX CA XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 non-monetary relief