BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

I have already disputed these items under sec. 609 of FCRA, but the bureaus did not remove them, nor prove validation.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of the account from XXXX XXXX Acct # XXXX, XXXX, XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my 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 2021-12-03
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: Investigation took more than 30 days

Complaint:
I have tried contacting XXXX XXXX but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, Chime bank emailed me requesting documentation to keep my account active. I replied on XX/XX/XXXX requesting more time. On XX/XX/XXXX, they closed my account. I provided requested documents on XX/XX/XXXX and they never replied. I tried calling and accessing the website. There automated phone services hangs up on me because my account is inactive. The only way to communicate with them is through email and they will not email back. I had about {$160.00} in that account. Without having access to the app, I do not have exact numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I disputed a pending charge on my Citi/AAdvantage XXXX XXXX XXXX XXXX XXXX XX/XX/23 for {$2000.00} as I did not make or authorize the charge. I formally disputed the charge on XX/XX/23 and provided all relevant information. The agent informed me that the charge had been made over the phone and not swiped. 

On XX/XX/23, I was advised via the app that I would be responsible for the charge and no credit would be provided. 

This is NOT acceptable and I expect Citi to provide evidence I made this charge along with providing an acceptable credit as soon as possible including all applicable finance fees.

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
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied and received a Capital One Credit card in XX/XX/XXXX. The company was offering a XXXX miles credit when spending a certain amount within a specified time. I fulfilled the criteria and booked an international flight using the miles credit. 
The flight was on XXXX XXXX and was to commence on XX/XX/XXXX. The reference # was XXXX the Trip ID is XXXX This flight was cancelled by XXXX XXXX. I called Capital One Rewards/Travel dept on XX/XX/XXXX and spoke with XXXX. XXXX assured me that, although the miles did not appear on my statement, that I had a {$940.00} travel voucher. I called the Travel/Rewards 2 times today ( XX/XX/XXXX ) The 1st time I disconnected after waiting for 2 hours. I called general Customer support afterwards, speaking with 3 different employees who all told me I would need to resolve the issue with their Rewards Dept. I called a 2nd time and waited an additional 2 hours. When my call was answered the employee on the other end listened to my problem and then appeared not to hear me. I was then disconnected. My intention was to book a couple of domestic flights in XXXX. While on hold I watched every flight I intended to book sell out. 
I am unable to 1. view my reward credits of {$940.00} 2.Book travel via the Capital One site using this credit or 3.Redeem this credit through XXXX XXXX, who say they are unable to rebook as it is a 3rd party booking through my credit card company. 
In addition to this I also have a XXXX miles I have not yet redeemed. My outstanding balance on the credit card is {$0.00}. and my payments have always been on time. I have included original flight information prior to its cancellation at the bottom of this email. 

Itinerary XXXX ( XXXX ) XXXX ( XXXX ) Flight Details and Seats Travel DatesWed, XX/XX/XXXX XXXX Passenger RefundabilityRefundable Rules, Policies, Cancellations Outbound : XXXX XXXX, 1 Stop, Premium Economy Wed, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Operated by XXXX XXXX XXXX XXXX XXXX XXXX Operated by XXXX XXXX XXXX XXXX Subtotal {$940.00} Booking Status Confirmed Airline Reference Number : XXXX Agency Reference Number : XXXX This fare is refundable Call XXXX to discuss your options to cancel or change this flight. 

Payment Summary Price Exclusions : For itineraries that include flights, the selected airline 's baggage fees will apply. For hotel stays, resort fees may apply. 

Trip Total XXXX or {$940.00} Miles Redeemed XXXX Miles Value Redeemed - {$940.00} Total Miles Redeemed XXXX Miles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: IL
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 have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I opened an inherited IRA last year with Penfed and opted to place all funds from the IRA in a 7 year inherited IRA CD. The IRS requires that all funds are disbursed out the non spouse inherited ira within 10 years so I decided that I will begin taking disbursement on year 7 after the cd matures. I called penfed in response to a letter about ira tax withholdings I received from them. They said they are requiring me to take a distribution each year in equal payments for 10 years. I told them that I would like to wait a few years after my cd matures to take distribution. Apparently this is a penfed rule that was not explained nor written anywhere in my documents I received from them. And if thats their rules, thats fine but I should have been given some type of notice about it. I immediately requested to transfer funds to a different financial institution that will allow me to take funds out at anytime as long as the account is depleted by the 10th year per IRS guidelines. Penfed said that I would lose all interest if I transfer money out of the account before maturity but they can withdraw funds each year out of my account before maturity as a distribution. It was not explained to me that penfed could take funds out my account before maturity for distribution even though it is not required until the 10th year. They also said they will send me a letter explaining this but I should have received a letter about when opening the account. It is not my wishes to transfer to another financial institution but the deceptive practice of withdrawing money out my cd because of a penfed rule is extremely unfair and I shouldnt pay penalty fees. I will forfeit all interest earned in the CD if I transfer my money elsewhere because of their deception of not disclosing that they will withdraw money out my ira cd each year.

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 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a few inaccurate items on my credit report, my name is XXXX XXXX. XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH 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 2023-10-20
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: 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. 

I told the XXXX, XXXX, and Equifax, XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
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:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) CHILD SUPPORT XXXX XXXX is in violation for not reporting 100 % accurate information it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 showing a hard credit pull inquiry from your company on XX/XX/2021 that has negatively impacted my score. I did not authorize this pull from your company and I can only imagine it was done fraudulently. Additionally I am impacted by covid19, delta and now Omnicron variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed : {$170.00} Account Number : XXXX I'm writing to inform you that at the moment I don't want to pay for this so I refuse. Please cease and desist all communication and Thank you for reaching out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
State: NC
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:
There is a false charge on my Discover account that Discover has failed to investigate for over a year. I have reached out weekly for the last year to Discover and have not gotten a SINGLE response back - phone call or email. They have not provided me with a single line of text or anything in regards to this false charge. IT IS THE 3RD FALSE CHARGE WITHIN A YEAR. The other 2 I paid because it was so hard to reach Discover. The third one is a much larger amount and enough is enough. 

While customer service can't call me back, they have " debt collector '' numbers that call at all hours of the day and night. The last one I answered and explained the situation and they said they would transfer me to another department. I waited on hold for half an hour. No one answered. They said their systems were down and someone would get back to me the same business day. Of course no one did. 

The current call CAME IN AT XXXX XXXX XXXX XXXX XXXX XXXX. I again explained the situation and they said they would transfer me to the right department. I have since been on hold for over an HOUR. 

Discover makes it impossible to reach anyone to resolve a dispute or fake charge. I have NEVER CARRIED A CREDIT CARD BALANCE IN MY ENTIRE LIFE OR EVER BEEN LATE WITH ANY PAYMENT, EVER. My credit score is XXXX, near perfect, and Discover is trying to tarnish that. This is the ONLY WAY THEY CAN MAKE MONEY OFF PEOPLE LIKE ME WHO ARE RESPONSIBLE AND DON'T HAVE CREDIT CARD BALANCES. 

I urge bureaus like this one to investigate these criminal practices of stealing hard working people 's money as they are doing. I ALREADY PAID TWO FAKE CHARGES ON THIS ACCOUNT, I AM NOT PAYING A THIRD NO MATTER HOW EARLY IN THE MORNING YOU CALL ME AND REFUSE TO TRANSFER ME TO THE CORRECT DEPARTMENT AND CLAIM YOUR SYSTEMS ARE DOWN SO SOMEONE WILL HAVE TO CALL ME BACK AND NO ONE EVER DOES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I opened an account with XXXX XXXX in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-12-07
Company: First Technology Federal Credit Union
State: CA
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:
I typically pay this account in full each month by transferring funds from my primary checking account with XXXX XXXX XXXXXXXX into First Tech Federal Credit Union. I called First tech Federal Credit Union on XX/XX/2022 to inquire about an alternate way to pay the account as it would have become past due and was told I had a ten day grace period, and as long as I submitted a transfer request fro a future date there would be no impact to my account. First Tech Federal credit Union then reported this account as 30 days past due. First Tech Federal Credit Union has a copy of my conversation with the representative. 

If I hadn't been provided false and misleading information I would have paid the past due amount in some alternative manner to avoid an impact to my credit report, which has no past due payments whatsoever and I am currently in the process of buying a home.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/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 a account without my written instructions.

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 2023-04-28
Company: MOHELA
State: PA
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:
This account has been satisfied and no additional payments are required on these student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ACT XXXX account number XXXX  
has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy. 15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.

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