BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: LA
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:
Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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. You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. You are hereby put on notice you have been reporting inaccurate information. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX $ and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
they are increasing [ about two dollars ] my balance daily saying itsanticipated interest interest that they take off my actual montly interest but i have never seen it taken off. they refuse to send me a detailed statement showing the money they have taken out or deducted from my interest.. i have alot of credit cards but don't have this problem with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update this personal information

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 2023-08-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, 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:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( Section 2 ) States A consumer reporting agency can not furnish an account without written permission. 15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account number 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 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, I was applying online for a home equity line of credit with XXXX XXXX. I authorized the review of our XXXX XXXX XXXX XXXX XXXX account. I received a number of emails from the credit union that an unrecognized computer had logged into our account ( 10 times ). 
I contacted the credit union and they provided a name and IP address of the company that logged in ( XXXX XXXX, XXXX ). Apparently XXXX XXXX merged with XXXX XXXX and is now XXXX. XXXX operates data centers. The credit union stated that no funds were accessed or transferred. 
I contacted the XXXX XXXX representative who said that XXXX XXXX does not work with XXXX. 
After several attempts ( online request on web site and phone ), I telephoned XXXX on XX/XX/2020 ( XXXX ). The representative in the Tech Support dept. confirmed that his company hosts data centers and said that the IP address that I provided could be one of their customers. He said he would file a request with the customer and ask that the customer contact me regarding the issue. 
On XX/XX/2020 I received a phone call from a representative of XXXX  ( XXXX ). The representative said he was responding to XXXX  's request. I explained the issue regarding the multiple logins to our credit union account and requested an explanation. The representative stated he would look into it and call me back. As of today, XX/XX/2020, I have not received a response. 
I did some research and discovered XXXX works with Experian. 
I recontacted the XXXX XXXX representative who said he did not recognize XXXX as a company XXXX XXXX has a relationship with.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2019-10-03
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: Public record information inaccurate

Complaint:
Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-08-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A ( Section 2 ) States A consumer reporting agency can not furnish an account without written permission. 15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 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 2022-07-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a PayPal account, which has had XXXX unauthorized withdrawals totaling {$710.00} : {$200.00} on XX/XX/XXXX, {$240.00}, XX/XX/XXXX {$260.00}, XX/XX/XXXX These transactions were made by a company in XXXXXXXX XXXX XXXX XXXX This company has a website, but I have been unable to receive a response from the company. I have never heard of this company, nor have I ever had contact with them. 
I have filed XXXX claims, for XXXX separate transactions with PayPal. All XXXX claims have been denied. PayPal 's responses have all been identical. I have included their response below. 
This is a clear case of fraud, which PayPal says that they guarantee account security. However, all of my appeals have been denied. 

Their " canned '' response to my claims follows : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

Based on our review, we found this transaction is consistent with your PayPal payment history. 

Based on our review, we found this transaction is consistent with your PayPal history. 

For more information about these cases, log in to your PayPal account and go to the XXXX XXXX. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX and I want to report an identity theft in my credit report, bad accounts are shown on my credit and damaging my good name, Please help me to remove this accounts from my credit because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On a statement dated XX/XX/XXXX, I received notice that my mortgage payment was increasing from {$1000.00} to {$1300.00}, an increase of over 25 % monthly. This caused me to start an investigation as to why my payments had increased. I reviewed my escrow account and noticed that the mortgage company had mistakenly paid my spring tax bill multiple times from my escrow. 

My Spring tax bill should have been {$1100.00}. They paid that amount on XX/XX/XXXX and then paid {$1100.00} on XX/XX/XXXX. Then there was a refund of the initial {$1100.00} on XX/XX/XXXX. On XX/XX/XXXX, they paid {$1100.00} AGAIN. This double payment ( which was really a triple payment with one refunded ) has caused my escrow shortfall and the increase in my payment. 

I have laid out all of the evidence for my lender several times with little to no responses. I work in XXXX XXXX  and deal with XXXX XXXX XXXX i know exactly how this process works. There is a refund due to me and my monthly payment should be adjusted back to where it was before this overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019 I was involved in a auto accident that totaled my vehicle as determined by my insurer XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Kia Finance was sent a letter notifying them that XXXX would be paying off the balance of the loan. Kia Finance sent me an email notifying me that I did not need to make further payments on the account. I called Kia Finance to discuss the email I had received and they assured me that no derogatory information would be sent to the credit bureaus during this process. It is now XX/XX/2019 and XXXX has not paid Kia Finance and Kia Finance has reported a late payment to the credit bureaus dropping my credit score from XXXX to XXXX. There consumer relations group is worthless in trying to resolve the problem. My next step is to file a Federal Fair Credit Reporting Act Lawsuit against Kia Finance.

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 2023-03-13
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On today I received a letter in the mail by Credit Collection Services, XXXX XXXX XXXX, XXXX, MA. XXXX saying that I own the creditor who is XXXX XXXX XXXX XXXX. XXXX. XXXX in the amount of {$140.00}. They want me to pay a discounted amount in the amount of {$56.00}. I today called them, and told them how can I own XXXXXXXX XXXX XXXX XXXX XXXX XXXX when the COMPANY XXXXXXXX XXXX XXXX XXXX XXXX  XXXX sent me back a check for over payment because I paid them off in FULL with an over payment. This debt collector has broken the LAW of the Fair Credit Billing Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act. I am so tried of hackers getting my personal information of companies sharing my information and damaging my credit and life. This is and should be be totally illegal. I have a frozen all of my information and hackers are still using and getting information from companies who are sharing people information worldwide this is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Genesis FS Card Services, Inc.
State: VA
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 recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX 2020 you reported that my transaction was 30 days late. 
XX/XX/2020 you reported that my transaction was 60 days late. 

THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( CB INDIGO/GF ) Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: JPMORGAN CHASE & CO.
State: CT
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:
On XX/XX/2020 I booked a hotel in XXXX that required full prepayment. Before making the purchase, I logged into my Chase credit card account to do research about whether my account charged foreign transaction fees or not. The decision I would make on which credit card to use for my purchase was contingent on this information. 

I logged into the website and, while still logged into my account, I navigated to the " Things You Can Do '' menu, selecting " Card Benefits '' as the option. 

Doing this opened a new window, seemingly outlining all of the benefits of my card ( since this was auto-navigated from the card benefits section of my logged-in menu selection ). 

From there, I continued my research selecting " Travel Benefits '' from the page 's menu. Upon clicking that option, the first benefit highlighted was " {$0.00} Foreign Transaction Fees ''. Upon reading this, I decided to use my Chase card to make the purchase, confident that I would not be charged a foreign transaction fee for doing so. 

Imagine my surprise when on XX/XX/2020 I noted a {$210.00} foreign transaction fee for the hotel prepayment. I immediately sent Chase a message via their secure messaging center asking them to remove the erroneous fee. They responded saying that my card did, in fact, charge a fee of 3 % for any foreign transactions and so the fee was correct. 

I replied, explaining that the website clearly showed there was no fee for my card. I also sent screen shots of the navigation steps that I took to arrive at that information. They informed me that the links took me to the wrong card type, in spite of the links opening from my own account page. They apologized for the mis-information but would not reverse the fee. 

I insisted that this was an error on their side given that I made a logical determination of an action based on the information their own website provided me but they will not refund the fee. 

My position is that this is clearly misleading and intentionally providing consumers with incorrect information about their fees for their cards. No reasonable person would assume that by seeking out cardmember benefits from their account page while logged in would be directed to a page about a different type of card with different fees. Further, in spite of the fact that I've informed Chase of this mis-information and broken link, they still have not corrected the information. This leads me to believe it is intentional and that other consumers will fall prey to the same error as I have This is unacceptable and action should be taken immediately.

Company response to consumer: Closed with explanation