BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: PA
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 submitted a dispute to request an investigation by Equifax for XXXX Account # XXXX, because of inaccuracies. ( date of last activity is missing ). 

Equifax did not conduct an investigation, as required by law. They are required to update, accurately verify or delete. 

Furthermore, as shown on the attached " results '' notification, Equifax falsified information on my credit report for this account, without conducting an independent investigation. Their notice to me states that the date of last activity has been verified as accurate, but the report and results letter clearly show that it is missing. 

Equifax inserted a date of XX/XX/2022 as " date of last reported update '' even though there was no update. This is a violation according FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Army and Air Force Exchange Service
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: Account information incorrect

Complaint:
My account was past due in XXXX however I bought it current in XXXX, XXXX and XX/XX/XXXX. I paid over {$1000.00} dollars between XXXX and XXXX of XXXX however on my credit report it reads " Past due for XXXX and XXXX of XXXX. I keep my recents and went back up to the store and showed the head manager in XXXX and she said " once you make the payment it is out of our hands. '' She looked at the receipts and acknowledged that the receipts that I was showing her were indeed not past due. SHe knew this because she saw that the due date was the XXXX of every month and she saw that payments were made on the XXXX of each month. She then advised me to call headquarters which I did but they insisted that I was past due even after I had told them that my wife had called in XXXX in XXXX and spoke with a representative about the same incident and this representative told my wife, " Yes ma'am I see where you made the payment before the due date so I will fix that right away! '' When I looked back on my credit report the past due for XXXX was deleted. XXXX came first as past due then XXXX which is impossible because the receipts show that several payments were made in XXXX and XX/XX/XXXX. Headquarters did nothing even after I emailed them my receipts to them.

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 2022-12-30
Company: Global Lending Services LLC
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:
15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: World Acceptance Corporation
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 # XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a XXXX with XXXX Mortgage, and I'm disappointed in how they haven't resolved the credit reporting error ; and violated my consumer rights under FCRA. This error has ruined my credit, along with my XXXX  In the month of XXXX I attempted to make a payment online how I normally would however the system was down ; The previous day I used bill pay from my external account that posted on XX/XX/2023 XXXX. In essence on XX/XX/2023 I called to initiate my payment by phone XXXX XXXX} with a representative over the phone which I was charged a fee to do so. She was a nice associate ; however she must've inputed my account numbers incorrectly because my bank XXXX was not presented with the payment. I received noticed that the payment that I made by phone was returned, and I was charged a late fee, along with a bad check fee which have bot been refunded to me. For several months my XXXX and I have been impacted due to the human error of the associate ; I reached out on several occasions to resolve the issue ; and requested a call back, I was not extended that courtesy. I was told to use a secure message portal, because the lender doesn't have a phone associate that I can speak with pertaining my issue. The response is not consistent with the certain set of facts.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have lodged disputes with Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: MI
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:
Equifax has confirmed that they received all of my documentation and my request to have adverse information as a result of XXXX XXXX  deleted from my account well over 4 business days ago. They are claiming to still be processing my request and they dont know how long itll take. According to the laws outlined on the CFPB website, credit reporting agencies MUST block adverse information in regards to XXXX XXXX within 4 business days, even if they are still reviewing documents. They have 25 business days to review their documents. 
I was told by an Equifax rep that there are attorneys in the office of consumer affairs that have advised them that what they are doing is in compliance with the law. I have called multiple times and spoke with multiple people who have told me that the issue would be resolved by the end of the day and this never occurs. Equifax requested additional information from me, of which I provided. I am being told by a representative that once I submitted the requested information, it started my 4 business days all over again. This is NOT in compliance with the laws regarding XXXX XXXX.

This process has caused me to miss an opportunity to obtain housing. I am sleeping outside, and also on the run. I am not safe.

This is willful negligence on Equifaxs behalf and I am ready to take this to the furthest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
To whom may concern, I sent in verification to Transunion credit bureau about 7 to 8 months in 2022, showing a collection account on my credit that is reporting from XXXX XXXX XXXX XXXX, in the amount of {$100.00}. The collection had been paid in full. I dispute the collection and ask that this account be taken off my credit. I was assured by two different representatives that the collection would be removed. The account is still showing on my credit and is affecting credit score. I would like this account removed from credit report immediately. I just want to be treated fairly.

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 2023-12-05
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have been a Member of PenFed Credit Union since XXXX. I have paid for all XXXX of the previous products I borrowed on time and in full. However, when I applied for a debt consolidation loan, I was denied because I failed to pay back my previous loans on time. This claim is false ; at the time of my application, PenFed obtained my Credit Report from XXXX, and my XXXX score was XXXX points with XXXX derogatory marks. 

When I contacted PenFed, a customer service agent ( XXXX ) and his supervisor informed me that the underwriting department had notes on my account to revoke me for a credit card and I'm only eligible to get a personal loan with a co-signer even though my debt to credit ratio is less than 5 %. The agent also informed me that I was flagged as high risk because I have filed disputes with the credit bureaus for holding Penfed accountable for reporting accurate information, which is still present on my XXXX report. 

The internal notes left on my PenFed account are misleading and preventing me from obtaining access to capital from the Pentagon Federal Credit Union even though I am financially stable and qualified to receive loans and products.

Company response to consumer: In progress
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Attempted to purchase airline tickets in the evening, wake in the morning to a notice of declination based on a fraud alert. Responded to the text that it was not fraud, immediately booked the tickets again, however were {$20.00} more per ticket based on a fare change. This {$80.00} should be paid by Chase as their fraud department had flagged a legitimate charge. 

Significant history of purchasing family airline tickets in the past, no reason this should have been flagged. The mistake of credit card company cost me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that a 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
Consumer complaint received 2022-05-19
Company: FinCo Services Inc DBA Current
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a bank called current. Current.com is their website. Login for the app is down, and there is no online banking information. I am currently locked out and so is everybody else because its currently down and having an outage. BANKS SHOULD NOT HAVE OUTAGES. I AM CURRENTLY STARVING AND CAN NOT USE MY OWN MONEY THAT I ENTRUSTED CURRENT WITH. I AM CURRENTLY LOCKED OUT, STRESSED, AND I NEED TO EAT. I TAKE CARE OF MYSELF AND OTHER PEOPLE. ALL MY MONEY IS ON CURRENT. THIS IS A HUGE RISK AND CAN LEAD TO HEALTH ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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 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 XXXXXXXX : 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.

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
Consumer complaint received 2022-12-30
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed and Requested information from credit bureaus ( XXXX, XXXX, XXXX ) to verify debt from a company. Requested removal until debt could be verified. Dispute was claimed accurate with no documentation or verification give to me. I only received a single notification that it was completed with no proof of accuracy, to me, the consumer. 
Debt was to a Jefferson Capital Services for a little over $ XXXX. They are false reporting and damaging my credit and name. I never had, nor have any knowledge, of an account or owing money to Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2022 I initiated a balance transfer with Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX. They gave me a promotional transfer fee offer and 0 % interest promotion if I transferred a balance to them. I initiated a transfer from my XXXX XXXX XXXX in the amount of {$3500.00} to Comenity bank. They took my balance and never paid XXXX XXXX, so now I have double the debt. 

Furthermore, they never notified me that they never paid XXXX XXXX. I found out because I called XXXX XXXX first when I saw my account balance was still high and they told me they never got paid. When I followed up with Comenity, I found out that their system had a " glitch '' and they never notified me of that happening. 

They then told me they opened a dispute and it will take 90 days for this to be resolved. In the meantime, I need to pay XXXX  XXXX and Comenity. Comenity is stealing from me. 

To me this seems like a financial institution having cashflow issues from mismanaging their business and stealing from consumers to keep afloat. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company 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 2022-12-31
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account XXXX Ad XXXX XXXX XXXX Account XXXX XXXX  Account XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account 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 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 2022-12-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account 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 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