BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
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:
If any amount over {$1.00} is owed to the consumer, it must be returned, without exception. This is stated in the relevant regulation, 12 CFR 1026.21, which falls under 12 CFR Part 1026 ( Regulation Z ) that protects consumers in credit transactions. According to the law, the creditor must take the following actions : A ) credit the credit balance amount to the consumer 's account, B ) refund any remaining credit balance upon the consumer 's request, and C ) make a good faith effort to refund any credit balance remaining in the account for more than six months by cash, check, or money order, except in cases where the consumer 's current location is unknown and can not be traced through their last known address or telephone.

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 2023-03-25
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Account Name : XXXX XXXX Account # XXXX Current Creditor : Radius Global Solutions, LLC Radius Reference # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX  is aware and has proof in attachment labeled as exhibit A that, Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled exhibit A that, Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that, Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that, Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.

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 2022-10-07
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting this account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Earlier this month I applied for a credit line increase. On XX/XX/2023, I received notice that the increase had been denied. When I called Capital One to inquire on the reason why I was told it was due to me being late on multiple occasions. After letting the representative know that was incorrect, he researched and found out it was indeed incorrect and that my payment history is impeccable. However, he could not give a reason for the denial, and neither could any of his higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: AMERICAN EXPRESS COMPANY
State: GA
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 customer service

Complaint:
I have a personal AMEX card and used to have a corporate AMEX card that has been closed for years. For several weeks I erroneously made payments to the closed corporate card accounts. The sum of the payments was greater than {$4500.00}. I discovered the error when I saw the balance on my personal account not at {$0.00} and collected a history of my recent payments prior to calling AMEX about the issue. I pay the balance on my personal AMEX in full each billing period. 

When I called AMEX requesting to have the payments to my closed corporate account transferred to my personal account, I was told the transfer would take 5-7 business days. On the 8th day, I called AMEX because the transfer had not been made. They informed me that the process had not even started and that it would take another 3-4 days. I declined the offer and asked to have a wire transfer refund. AMEX collected my account and routing information and said that the refund would take 3-4 days. I waited two business days and called AMEX to see if the refund was in process. AMEX told me that the process had not started and that I would have my refund no later than 8 more days on XX/XX/XXXX. 

Today is XX/XX/XXXX and I still don't have my refund. I have no faith that AMEX is trying to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
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 hope this letter finds you well. I am writing to express my dissatisfaction with the recent attempt to remove accounts and public records associated with my profile. I believe that the service provided did not meet my expectations, and I would like to bring the following concerns to your attention : Despite the initial attempt, I have observed that accounts and public records are still present. I expected a more thorough and effective removal process. 

There was a lack of clear communication throughout the process. I was not adequately informed about the steps taken, the progress made, or any challenges encountered during the removal attempt. 

The process took longer than anticipated, and I expected a more prompt resolution to my request. Timely removal is crucial to protect my privacy and personal information. 

I understand that issues may arise during such processes, but I believe my concerns are valid and warrant further attention. I kindly request that you review my case and take appropriate actions to address the aforementioned issues. 

Additionally, I would appreciate regular updates on the progress of the resolution and any steps taken to rectify the situation. Please provide a detailed explanation of the measures being implemented to ensure a more successful and expedited resolution to my satisfaction. I am asking for your assistance to remove these items : XXXX  XXXX XXXX Balance : {$1100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. XXXX XXXX XXXX Balance : {$2100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

Company response to consumer: In progress
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: WA
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 a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report 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 2021-08-11
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Weber and Olcese, XXXX XXXX XXXX, XXXX MI XXXX ph # XXXX garnished my wages, after payment arrangements were made and agreement was made. They were notified of hardship and then proceeded to garnish 25 % of my wages. When I called to discuss the matter I was told it was too late now and that I never called then to make arrangements when I have record of such arrangement. File # XXXX I have been making {$40.00} payments for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, My Name is XXXX XXXX, i have unauthorized hard inquires on my credit and i have now fraud on my report someone applied for credit benefits and i did complaint already to XXXX and removed all of them, but now XXXX and transunion don't removed so i contact each creditor who made this hard inquires and effect my credit and no answer from them and have now fraud alert 90 days at 3 agencies bureau

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 2023-03-02
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
as of now my Navient account says I have a {$0.00} Balance. It should be paid off. but my credit report does not reflect. 
Account # XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Highest balance {$2600.00} Nice! You've paid off 58 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$2600.00} Monthly payment {$48.00} Opened XX/XX/XXXX ( 16 yrs, 3 mos ) Term 118 months ( 9 years ) I have been paying this loan for 16 years and was supposed to have no interest. When I realized the payments I was making were only covering a portion of the principal loan. I realized I had paid this off long ago. I was given payment forgiveness after covid but they are still reporting it late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied online for a PayPal credit card issued by Synchrony Bank under arrangement with PayPal. A reference number was provided and the bank sent me a special e-mail address to contact them in writing, because I am unable to do so via telephone ( XXXX ). I replied three times and instead of help or support in writing, I received automated " please call us '' e-mails, after telling them three times that I only communicate in writing. Completely disorganized and incompetent institution, rejected a potential customer due to lack of procedure.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NV
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 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. The following Accounts : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1300.00}

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 explanation
Consumer complaint received 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Hi, I have a Visa credit card from Bank of America, and as a Platinum Honors member, I am supposed to earn a special bonus rewards totaling 5.25 % for all " online transactions ''. However, I noticed recently that BOA seems to arbitrarily change/reduce the rewards I am entitled to get, and here is a recent example. 

On XX/XX/2022, I bought online four airline tickets, each costed me {$420.00}, and totaling {$420.00} X XXXX = {$1600.00}. Since this was an online transaction, I notice that only two tickets were processed correctly - each giving me a reward in the amount of {$420.00} X 5.25 % = {$22.00}. However, they failed to process rewards for the other two tickets in the same way, rather they only gave me {$420.00} X 1.75 % = {$7.00} each. So I called them, and pointed out this processing error and demanded a credit. The representative initially tried to send me off and tried to convince me that there was no mistake. However, once I pointed out the inconsistency in them processing XXXX tickets from the same transaction, she changed her message and told me they will open a case and investigate. 

I just received a letter in the mail today dated XX/XX/2022 from BOA, informing me that theyve now concluded their investigation and there were no mistakes. The explanation they quoted in the letter doesnt seem to apply to my situation and doesnt make logical sense to me either. 

Here is my request to Bank of America : 1. Credit back my rewards in the amount of {$88.00} ( i.e. {$22.00} each for four tickets ). 
2. Worth noting that I only paid attention to this transaction because of the large transaction amount, there may be other many transactions that I was ripped off as a consumer but didnt catch. I demand Bank of America also do a thorough review of my other transactions to make sure that mistakes like this get changed in a timely manner.

3. Set up necessary internal review process/controls to review and catch mistakes like this and correct them before sharing with customers, and provide their employees with necessary training to address customers concerns when called. 
4. Take necessary corrective actions to stop this kind of fraudulent practices to arbitrarily take way rewards/benefits from their customers, and pretend to give explanations that are either irrelevant or dont make logical sense. 

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