BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: BARCLAYS BANK DELAWARE
State: PA
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 balance transfer

Complaint:
I transferred {$1700.00} from XXXX XXXX XXXXXXXX on XX/XX/23 At first I forget that I applied for a balance transfer from XXXX XXXX XXXXXXXX. So I question the payment to Barclays /priceline credit card.I called them back within 24 hours and told them to except the payment. I received a letter from Barclays telling me the problem was resolved. Well on XX/XX/23 I made a payment of {$70.00} dollars.They allegedly returned the {$1700.00} but they didn't and they didn't credit my account. I have called several times to have the funds of {$1700.00} either credit to my Barclays account or return it to XXXX XXXX XXXXXXXXI have a case number XXXX Basically Barclays reported to the credit Bureau that I was late on a payment! which I wasn't because they are still holding on to {$1700.00}. I have filed a claim with there company and I have spoke to at least ten different representative. So not only did they lower my credit score but they are holding {$1700.00} I have ask how and where the was allegedly return to.I have also asked for a tracking number but I was informed that they dont do that!

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 2023-10-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/ I received results from Experian as accurate from my dispute filed on XX/XX/ requesting deletion of Bankruptcy on my Experian credit report. Experian stated that the furnisher verified the XXXX, however XXXX XXXX has no record of a Bankruptcy on my consumer report. In addition, Experian has listed on my credit report that the US Bankrupcy Court XXXX XXXX Furnished the information. There is no such court with the name of " Bankrupcy Court of XXXX '' that exist with the address listed on my credit report and Experian has lied and violated my consumer rights. The United States XXXX court with the address listed on my Experian credit repory was contacted by me and their response is in the attached letter. It is clear in the response attached that they do not report to Experian or any other credit reporting agency, therefore Experian 's response is a lie. These reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the Bankrupcy must be deleted 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 2020-03-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. so I'd like to report this to ask for help in restoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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:
XXXX and Experian are forcing me Yo jump through hurdles regarding getting Identity theft entries removed from my credit files! 

I have produced all the proper documentation and files the appropriate reports with the FTC, the North Carolina Department if Justice and the XXXX XXXX XXXX XXXX Department, our local law enforcement division. 

XXXX and Experian both are violating my rights and harming me everyday by not following the law. 

Please assign an investigation into the violations of both. 

Per laws : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

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 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid 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:
My credit card companies are letting scammers keep my money due to it was past 60 days to report these issues. 

Capital One : dispute # XXXX {$1900.00} private deal flow original purchaseXXXX  dispute # XXXX {$7400.00} response.com real estate inv. training XX/XX/XXXX dispute # XXXX {$7400.00} double billing I didnt receive credit for XX/XX/XXXX dispute # XXXX {$1900.00} weekly cash clock, XXXX XXXX XX/XX/XXXX dispute # money map press {$2500.00} XXXX XXXX XX/XX/XXXX no dispute number dispute # XXXX {$8500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX dispute # XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank : dispute # XXXX {$4000.00} XXXX XXXX  XX/XX/XXXX dispute # XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX dispute # XXXX {$1900.00} XXXX partners I dont remember the date but I think it was in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX, under the Fair Credit Reporting Act Section 609 I requested that Equifax provide me with information regarding items that was listed on my credit report from a company called XXXX XXXX XXXX. The information I requested was the source of the debt that was being reported on my credit. This request was received certified mail by Equifax on XXXX Equifax failed to provide me with the information that I requested within the 30-day period as prescribed by law. As of the present date ( XXXX  ) over a year later, I have not received the information that I requested. 
On XX/XX/XXXXXXXX I sent another request for Equifax to re-investigate this matter and to delete the disputed item with XXXX XXXX XXXX, as the company failed to send me validation of the debt, they had placed on my credit report. Equifax never responded, never reinvestigated, nor provided me proof/validation of the debt ; despite a year passing since my initial request. This letter was sent certified mail and received on XXXX 
On numerous occasions I have requested that Equifax to verify/investigate/delete this specific information on my credit report. Equifax has not complied, which is a violation of Fair Credit Reporting Act 611 ( a ) ( 7 ). I believe that Equifax is acting in bad faith as they have not complied with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would like to file a complaint against Chase Bank for closing my joint account with my husband without my consent. I received a statement on XX/XX/2023, indicating that my account had been closed due to an alleged report of fraudulent activity. Chase Bank issued a check for the funds in the account, which was {$1500.00}, and sent it to my address. However, I never received the check despite making multiple calls ( over 10 times ) and visits ( over 5 times ) to Chase Bank to inquire about the situation. This has caused me to waste more than 40 hours of my time, at my hourly rate of {$60.00} per hour, resulting in a loss of more than {$2400.00}. 

Upon investigating further, I discovered that there is another person with the same full name, date of birth, and social security number as me, as reported by XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite explaining the situation to Chase Bank, they have yet to return my funds, causing me extreme frustration. I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that I am properly compensated for the inconvenience and financial loss caused by Chase Bank 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted TransUnion and spoke with a representative that stated the request to remove was done ; contacted XXXX ( no representative available, only automated system ). I tried to use the prompts but when the call ended the XXXX system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.

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 2021-07-06
Company: Lendmark Financial Services
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: Credit inquiries on your report that you don't recognize

Complaint:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
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:
My child support payments are current and the TX XXXX of Attorney General is continuing to report me as 180 days past due. I have ONE payment that is only 15 days late. I asked Experian to dispute the report. They did ABSOLUTELY NOTHING. I will not sit on the phone for 45 minutes waiting to explain this to anyone. Experian has failed me. They are obviously more concerned about selling their services than actually performing services. 

This is not right and I want to see the TX OAG investigated for improperly and inaccurately reporting to credit report agencies. They are financially damaging thousands of people no doubt, and this needs to be publicized. At minimum, someone needs to alert them about their false reporting, and lets hope it gets their attention. Their state employees are inadequately educated and incompetent. They have no regard for accurate records. Child Support payments shouldnt even be reported to credit agencies to begin with. I am absolutely infuriated this nonsense.

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 2023-11-04
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:
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. 

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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Last XXXX my mom used my capital one venture card referral link to open a card since I would get a {$500.00} referral bonus. On their referral fine prints, it reads that it takes up to 8 weeks for a referral bonus to hit my account. Ive contacted capital one several times since its been past the 8 weeks and they just give me the run around and tell me theres nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid 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 attempted to purchase an item and there was 2 attempts to pay for this item. I was advised that 1 transaction did not go through because it was over my daily limit. so the whole purchase was cancelled and the 2 charges should have been returned to me. Only 1 transaction was reversed and disputed by the bank. Then the bank advised me that the dispute was done incorrectly and they would resubmit for the 2nd charge. I just received a denial for the previous complaint and I demand that a US bank representative call me from the office of the executives ASAP and credit the account for what they say i owe or am negative on. They did not properly handle my dispute and have incorrectly serviced my account. XXXX. There are federal rules and laws that protect me as a bank consumer.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX and XXXX 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Subject : Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ). 


Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, Credit Strong account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent.

Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA.

I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law.

Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. 

Sincerely, 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am submitting this complaint for these two bureaus to remove the unauthorized inquiries that do not and never belonged to me! 

TransUnion : XXXXXXXX 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 2022-03-27
Company: Experian Information Solutions Inc.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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