BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: PA
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 fair credit reporting act, The account listed below has violated my federally protected consumer rights to privacy confidential under 15 USC 1681. 

XXXX XXXX Open/closed Closed Date opened XX/XX/2019 Account type Charge Card ( Can't seem to find the full account number for this ) 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 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes witch antedate the report by 7 years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report 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 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On XX/XX/2023, Capital One Credit Card Company took over XXXX MasterCard Credit Card from XXXX XXXX. On Saturday, XX/XX/2023, I received my first credit card statement from Capital One in the mail. The statement indicated that my credit card payment was now due on the XXXX of each month Beginn XX/XX/2023. Prior to Capital One Bank taking over XXXX XXXX  XXXX! XXXX accounts my payments were due on the XXXX of each month. The previous month of XXXX, my credit card payments was due on XX/XX/2023. I contacted Capital One Bank and spoke with a representative named XXXX. I explained that I received my first statement from Capital One, and my payment due date has been changed from the XXXX if each month to the XXXX of each month, and I have not received sufficient notice for such change. I also advised that there appears to be a change in the interest rate that I am being charged, nor have I received any notice in regards to that change. XXXX attempted to locate a policy and procedure regarding this matter, which she was not able to locate. I advised her that I have not received any notification of either of these changes. Thereafter, requested to speak with a supervisor. XXXX transferred me to.XXXX ID # : XXXX, who advised me that my payment date could be changed to XXXX of the following dates of the month : the XXXX, XXXX, XXXX, XXXX or XXXX of the month. However, it would not take affect for XXXX to XXXX billing cycles. I advise that the XXXX was the closest state to my previous billing cycle. However, this does not solve my immediate problem, as I just paid my bill on XXXX XXXX, I have my mortgage to pay at the beginning of XXXX, and they are requesting payment on XX/XX/XXXX with not so much as a 30 day. I pay my mortgage at the beginning of the month, and this creates a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/XXXX  I sent a payment to Target of XXXX through my bank. On XX/XX/XXXX  I sent a payment of XXXX to Target through my bank. On XX/XX/2023 I sent a payment of XXXX to Target. Target claims that they did not receive these payments and that I owe XXXX. They also said that sent a letter in which I did not receive. I sent these transactions to Target Card and they are completely ignoring me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried and tried and tried multiple times to dispute XXXX XXXX they come back shortly thereafter not long and tell me it was verified I would like to know what method they use because I'm going to request to see it that is my right under the Fair Credit Reporting Act I'm going to request the XXXX it's completely different than my account online I don't understand this I'm going to attach what I have so that you can see the original balance is a lot higher than what is being reported on my credit repor also experience reporting this account is closed it is not closed this still open I am really discouraged and I'm heartbroken they're supposed to be a professional company I read a lot of information and I'm really sickened if cfpb can not help me I'm going to the Federal Trade Commission and the Senate this is not right at all and an experienced part that's totally unprofessional and unethical

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 2023-03-18
Company: Experian Information Solutions Inc.
State: AL
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 USC 1681. 
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 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 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.

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. 

The following inquiries were also opened under my social security number fraudulently as well. 

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 non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: HI
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:
It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting an inaccurate late payment for the XXXX account ending in XXXX. This is a 30 day late payment posted in XX/XX/2016. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction or permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-01-26
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX i put in for a 2 month deferral ( for XXXX and XXXX ) with Hyundai Motor finance. They approved it and my next statement showed that i owed my regular monthly payment on {$470.00} on XX/XX/XXXX. At the beginning of XXXX i put in a credit dispute because Hyundai was reporting that my payments were behind. This is untrue because i had got the deferral and my account was current. I called Hyundai and they stated there is a glitch in the system and that they would fix it. I received my credit report dispute facts back and it stated that my account would be updated to reflect the correct status ( that i am current ). The other day on XX/XX/XXXX i received a call from Hyundai stating that i owe XXXX something to them. They said it was for " Late fees and return payment charges ''. IF this is true why did that not reflect on my account when i had the deferment so that i could pay them? Now they just threw the fees in there, never contacted me to advise me and they are saying i am late on my payments again. If i would have known about the fees i would have paid them when i didn't have a car payment for 2 months. I feel this is a wrong way to do business

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 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There are multiple transactions on my account that I need to dispute. Bluebird American Express has only disputed some transactions. Regardless of the reason for the merchant not wanting to dispute my transactions they are required to, it's my account. They refuse to move forward and process my disputes. I have plenty more transactions that need to be disputed. I was sent an email stating my credits were transferred per my false request. I then received and email stating that my account was temporarily locked. They had now closed my account permanently after my call telling them they violated my rights. I have had this account for over ten years and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: MA
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:
Today is Saturday XX/XX/2023. I called Equifax. I went on the site to dispute two Harding inquiries. 
The first representative had no clue wanted a police report wouldn't help ask for supervisor I got his survey. 
Finally I got a hold of a supervisor by the name of XXXX. 
XXXX she's as bad as her representatives. And I have a lot of knowledge and expertise and I'm a customer service and billing consultant and make secret calls for corporations. 
Anyway. I go into disputes on their site I dispute the hard and inquiry it only gives me three options that I didn't authorize it that it's fraud and it's not mine? 
Above it it says if I wanted to add additional comments which I did because those are the only three options and none of them apply. 
So I hit edit and it brings me back to the original screen to submit the dispute. 
I don't know how many times I was asked with the problem was that I need to do it on line I went through it tried the disputes told him what I was seeing. 
So speaking to the supervisor I assume she would be able to do it on the computer because the phone computer says that I can do it manually with a representative. 
she had no clue. She took my statement but I know she wasn't typing it in that's why I asked her for her name. 
There's two hard inquiries and one is from a credit called called aspire Nowhere on their application is there any disclaimer that they do not service certain states and one of them is my state of Massachusetts. 
Knowing that and knowing the application from Massachusetts there should have never have been a hard inquiry. And my denial letter stated it was because they don't service Massachusetts in a few other states. 

But with only those options and no ability to add comments how in the world are they going to know what happened and they're only going to go by what I pressed for an option. 

I want these disputed and one of them is Equifax mortgage services. Which is basically they do a run so lenders can get a hold of me. 

I'm a veteran I'm using VA home loans. They're not even on my report. Equifax had no rights no permission to run a hard inquiry just for their own sake so they could third party it out. 

Those two items I want disputed because of the answers I've just given.

Thank you for your time I'm adding screenshots of the ones I want removed. Also screenshots of disputing it and the problem with me being able to add a comment and only the three options available to dispute something. 
Also I believe it's the last one I uploaded it looks like I need to file the complaint and submit it but that's what it looks like after I hit edit so I can add a comment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-18
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023 received a letter from a company that I owe them money, but yet to send any type of supporting documentation that the alleged debt belongs to me. The company has violated my consumer right to privacy as well as a few other consumer laws as well. I want this account removed from my consumer 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 2023-03-18
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: Account information incorrect

Complaint:
XXXX : US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Inquired on XX/XX/XXXX NOT Authorized! 

US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

Transunion : XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX  Inquired on XX/XX/XXXX NOT Authorized!

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 2023-03-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX insufficient funds fee XXXX pass XXXX insufficient funds fee XX/XX/XXXX XXXX XXXX XXXX caused XXXX insufficient funds fee XX/XX/XXXX XXXX payment on XXXX ( XXXX insufficient fee ) XXXX XXXX XXXX XXXX XXXX insufficient fee ) XXXX XXXX XXXX XXXX  ( XXXX insufficient fee ) Small business affected by covid Recieved insufficient funds fee for transaction above. 
XX/XX/XXXX my debit card was locked and those were Reoccurring fees. 

Contacted institution XX/XX/XXXX in regards to some of these fees and was denied a reversal / waiver on the credits by supervisor name ram.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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:
I supplied all three credit bureaus with proof from the XXXX XXXX XXXX verifying that the debt being reported by XXXX XXXX for XXXX XXXX XXXX in the amount of XXXX was not valid and should be removed and despite the written proof from the court showing a balance due in the amount of XXXX and that the eviction was dismissed and balance was XXXX. This item continues to be reported and is negatively affecting my credit. I have contacted the company for assistance and have not received a return call with a resolution. I am requesting that this item be removed as it is not valid or accurate. 

I submitted the proof of dismissal with a XXXX balance to Equifax, XXXX and XXXX on XX/XX/2023 and was advised that it was forwarded to the company for investigation and removal on XX/XX/2023 and today XX/XX/2023 the item has not been removed. Please see attached proof of dismissal with a XXXX Balance from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # 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 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 explanation