BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: DISCOVER BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I made a purchase on XXXX on XX/XX/XXXX, for {$69.00}, I received an email right away stating the received my order and would notify once it shipped, well its been a few weeks and I still haven't heard anything so upon doing some research I found the website was a scam, there is no way to get in contact with them, the email address they sent doesn't work, I contacted my bank to dispute it and they basically told me im XXXX out of luck, whether I received anything or not is not their problem its mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report agency , if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: KY
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:
I would like this illegal and misleading information deleted from my credit report from credit acceptance corp. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to credit acceptance with 2 certified letters and got no response within 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2022-11-30
Company: Experian Information Solutions Inc.
State: KY
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:
I would like this illegal and misleading information deleted from my credit report from XXXX XXXX XXXX. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to credit acceptance with 2 certified letters and got no response within 60 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 explanation
Consumer complaint received 2022-09-05
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Credit Card Issuer, Citibank, on a VISA  / Coscto Credit Card, ( hereinafter, " Citibank Visa, '' ) utilizes deceptive, false and misleading information in their billing statements because Citibank VISA plainly and unambiguously states in their printed section, " When Your Payment Will be Credited '' that accompanies the cardholder 's monthly billing statement that " If we receive your payment in proper from ( * ) at our processing facility by XXXX local time there, it will be credited as of that day. '' However, in this instant case, Citibank Visa placed a ( XXXX ) day hold on the payment and " credit '' was not provided to the cardholder despite the written statement that payment would be " credited as of that day. '' Subsequent investigation and disclosure by several Citibank Visa supervisors " XXXX '' and " XXXX '' revealed that Citibank 's use of the word " credit '' did not mean that the funds were available to the cardholder and that Citibank reserved the right, in their discretion, to place up to ( 14 ) day hold on any payment it received. Citibank further argued that the Citibank Visa Credit Card Agreement Terms and Conditions states that such ( 14 ) day holds are disclosed to the cardholder. The essence of this complaint is that even if Citibank Visa reserves the right to place ( 14 ) day holds on payments received by the Cardholder, such ( 14 ) day hold should be fully disclosed in the Citibank monthly billing statement and Citibank 's current language indicating that the cardholder 's payment " will be credited as of that day, '' should be deleted as indicating the the payment " will be credited as of that day '' is false, misleading and deceptive to the cardholder.

As a cardholder, I discussed this complaint with Citibank Visa on ( 3 ) separate occasions with ( 5 ) different Citibank employees : ( " XXXX, '' XXXX, '' " XXXX, '' " XXXX, '' and " XXXX, '' including at least ( 2 ) supervisors ). Each Citibank Visa employee indicated that when Citibank Visa states that it has issued the cardholder a " credit, '' for payment received, such credit is conditional subject to Citibank Visa policies which are clearly not disclosed to the cardholder in the cardholder 's monthly statement ; furthermore, the failure by Citibank Visa to disclose that such " credit '' is actually conditional is false, deceptive and misleading to the cardholder.

Note : ( * ) Proper form is defined as the payment not being made in cash, properly addressed and such payment references the account number and other 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 explanation
Consumer complaint received 2023-04-08
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:
My identity was stolen and these accounts were fraudulently opened in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2023-12-15
Company: Experian Information Solutions Inc.
State: NJ
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-04-08
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2023 Account Name XXXX XXXX Account # XXXX Date opened XXXX COMPANY SOLD : XXXX Status : XXXX through Bankruptcy XXXX  XXXXNever late. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2023 Account Name XXXX XXXX Account # XXXX Date opened XXXX COMPANY SOLD : XXXX Status : Discharged through Bankruptcy XXXX  XXXXNever late. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

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 2022-09-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXXXXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I am writing to express my profound dissatisfaction and concern regarding your failure to respond to my dispute dated XXXX Your lack of communication and the absence of investigation results constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), which has caused significant distress and financial hardships on my end. My dispute was submitted with the intention of rectifying the inaccuracies present on my credit report. However, to date, I have not received any response or communication from Equifax regarding my dispute. According to the FCRA regulations, credit reporting agencies are required to investigate disputes within 30 days and provide consumers with the results of the investigation. Your institution 's failure to adhere to these obligations is both disappointing and unacceptable, leaving me in a state of uncertainty and financial vulnerability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2023 Account Name XXXX  XXXX Account # : XXXX Account date open : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
ACCORDING TO FAIR CARES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a love scam which I reported to the federal trade commission and the internet crime complaint center .gov website. I contacted the local police department who failed to do anything because this is an international crime. I disputed with the banks several times but they failed to do anything because I authorized the transaction because I was tricked into helping someone I thought who would help me in return if I helped them and was harrassed and blackmailed by threats to broadcast XXXX videos on XXXX as well as being tricked an manipulated. I lost over XXXX  dollars in funds since XXXX. No one has looked into or helped me with this case since when indeed this is stealing. The suspects name is unkown but his fake name is XXXX XXXX he made up or stolen from someone. The spoofed and untraceable email is XXXX. His XXXX  XXXX  user name on XXXX  XXXX  is $ XXXX XXXX XXXX account. His XXXX XXXX account spoofed or untraceable number is XXXX XXXX XXXX  The real suspect is unkown and possibly from XXXX XXXX XXXX XXXX which I communicated back this information through a scam haters united support page for suspected victims and preventing scams and blackmalers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
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: Public record information inaccurate

Complaint:
*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against XXXX and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
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: Add-on products and services

Complaint:
On XX/XX/XXXX I charges on my Chase INK Credit card number XXXX a trip through XXXX XXXX  for {$1900.00} ( I will attach the XX/XX/XXXX billing on the subject card showing the charge ). The trip was to commence on XX/XX/XXXX. 

In XX/XX/XXXX I received an email from the XXXX XXXX XXXX which advised that XXXX was being suspended for having insufficient working capital, or being insolvent. Since the air flight and hotels was to be paid from the {$1900.00}, they obviously embezzled those funds for other purposes. See the attachment : XX/XX/XXXX letter. 

Since the above account was closed I was unable to dispute the charge on-line, so I called customer service and got the run around, including Supervisor XXXX in Chase 's Fraud Department. She refused to give her full name, and refused to move the matter to someone who to access the account. She was completely unhelpful. I sent to Chase through the XXXX XXXX XXXX the 2 issues ( see Chase Internal message XXXX XXXX -- attached ). That message also was an attempt to confirm your receipt of my attachments to this letter. 

The message XXXX XXXX from your Fraud Department ( why this was sent to them is unknown to me when it is a disputed charge ) wherein they too indicated that they were unable to find the account. Today I spend another hour wasting time calling the number provided in the message to no avail. The Credit Bureau specialist was my last contact. He found the account, but could only get to XX/XX/XXXX statement. He gave me an address to transmit a written complaint and dispute ( letter attached ). 

The INK Chase Credit Card advised that purchases were insured, and that I was protected against fraudulent conduct by merchants. 

Chase 's responses has always been that they can not locate the account, therefore they can do nothing. 

A friend and travel companion, XXXX XXXX used his same Chase Ink Card,  and they refunded his charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: NJ
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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
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: Old information reappears or never goes away

Complaint:
TransUnion is reporting all obsolete student loans. I have attached the credit report with all of the obsolete loans displayed. I have requested for the old student loans that are too old to be in credit file to be deleted numerous times but yet the organization refuses to delete. I have attached a copy of my credit report with the obsolete student loans and again requesting for the immediate removal of the old loans. It seems they are re-aging. I have asked TransUnion to request opening of student loans and payment history of each which would support that all loans meet the criteria of being too old to be on file.

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 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a promotional card for the amount of XXXX XXXX for 15 month no apr ending XX/XX/XXXX, I had a balance of XXXX I paid on XX/XX/XXXX in full their was XXXX dollar interest charge from XX/XX/XXXX to set XXXX, my bill was XXXX I paid that in full, XX/XX/XXXX I end up getting a email that shows they have charged me a additional interest for XXXX or something in that range I called to dispute this the math is very simple unless im.missing something, it pretty clear in thr statement their were no other pending Interest charges or fees, they can't explain it to me

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