BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: KY
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, Experian 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 informatyytion, 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 2022-03-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a HORSE through XXXX XXXX of XXXX XXXX stable who had me use my TD Bank XXXX to charge {$2400.00}. 
To XXXX XXXX STABLES. I paid to have the horse delivered XX/XX/XXXX, to XXXX XXXX academy in XXXX NY. The horse was guaranteed to be sound and appropriate for my riding needs. After I paid the vet to examine the horse ( as agreed ) he was found to be immediately unsound and bloodwork and radiographs confirmed this. I called dealer and he said he would take his horse back and deliver another guaranteed sound and fit. He delivered another horse also found to be unsound by the vet ( I paid again for shipping and vetting ). At this point I told dealer I was reversing charges on my CCs and returning the second unsound horse. The dealer stopped returning my calls. The barn owner got involved and got him to take the horse back, which he did. I am currently out shipping, vetting and boarding fees. I reported immediately to TD Bank and followed up with XXXX phone calls and a written statement and XXXX visits in person to TD Bank branches. TD claims I didnt follow up and has closed the account keeping my {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a Chase retail bank customer who has used the XXXX online payment feature for several years. This feature was arbitrarily removed from my account on XX/XX/2021. 

Explanation provided : We deleted the following contact options from your XXXX profile because you haven't received money using them in the past 12 months, and we didn't get the requested reverification from you within 30 days. 

Yes, I have never RECEIVED money via XXXX. I used it to SEND money. Chase has, apparently, decided to offer a service with the word pay in it, yet has restricted/removed/conditioned it because I do not receive funds via this method. This limitation is a non-sensical one-way street, leaving customers like myself with the distinct impression that Chase uses their dictatorial powers to mislead and inconvenience good customers without any justification whatsoever. This is exactly the type of unchecked abusive action by a major bank that needs to be the focus of regulatory change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
TransUnion changed my name on XX/XX/2021 to a XXXX XXXX XXXX XXXX. I called on XX/XX/2021 to have it corrected, which is not still corrected at this time. I received a copy of my credit report and the XXXX is still on there. They never corrected per the phone call when I asked them too. My real name is 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 explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2023-03-15
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:
Fraudulent Account showing on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: AZ
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 non-monetary relief
Consumer complaint received 2019-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened my account with Capital One in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my Capital One account had been closed. I immediately called Capital One attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but Capital One is denying to accept the payment even before the actual billing cycle ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
One day, when logging into my account, I noticed that there were quite a few fees charged for " non chase ATM fee - Inq ''. I immediately thought that this was strange as I have the chase app on my phone as well as online access to check my account. I would never need to check my balance at an ATM. I called Chase and let them know that I did not do this and they agreed to refund the fees. Then, a few days later, I noticed that there were even more fees and also ATM withdrawals from my account that I did not initiate. I believe that my debit card must have been skimmed at some point and the thief 's were checking my account balance so that they could withdraw funds. I immediately called Chase and let them know that my debit card had been frauded and filed a claim to get my funds back. Initially, Chase refunded the withdrawals and fees that were taken out of my account. However, about a week or so later, I received communication from Chase that my claim was being denied and that they were reversing the refund of the disputed transactions. I called Chase to find out why this was being denied and to try and file an appeal. They stated that since I had logged into my account the day the original fraudulent transaction occurred, and did n't report it immediately, that they consider the withdrawals correct and made by me. This is ridiculous! Many times such things as withdrawals or charges do n't show up online until the next day! I spoke with a supervisor at Chase and they told me the same thing, the withdrawals were considered " correct '' and done by me because I logged into my account that day. I asked the supervisor to please provide me with the locations of the withdrawals and to provide pictures from the ATM showing the person who was making the withdrawal. I was told that Chase would not release that information to me and to file a police report and have the police contact them for this information. I used some profanity and told the supervisor that Chase were criminals. I then went to the police to file a report and was told they do n't deal with things such as this as it was under a {$10000.00} claim. Now I 'm stuck without any other options pursue to somehow get this resolved and do n't know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email from XXXX XXXX on XX/XX/2020 stating the termination of my XXXX frequent flier account due to 'Fraud, misrepresentation, abuse or violation of applicable rules ' with my credit cards ( Citi and XXXX both offer XXXX  XXXX personal and business credit cards, and I have possessed all 4 at certain points in time ). The email does not state specifics, and offers no contact avenue for a  response. I have emailed back twice, and called several times, with no response. With each of these cards come promotional bonus miles, which were all taken away with the closure of the account. There was no gaming/abuse/fraud committed with applying for, and receiving these cards over a multi year period, and I am alarmed that my miles can be taken away with no avenue of response or venue of contact.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting 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:
Account closed in XXXX  Due to Maine statutes, this account should have been removed from my credit reports. This account keeps changing status. Account as closed per my request in XXXX XXXX  and due to medical hardship, I did not make any further payments. I have attached a letter crom XXXX XXXX XXXX XXXX XXXX XXXX for further reading. This is a blantant violation of Maine Statute .32 MRS 11013 ( 8 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I hope this letter finds you well. I am writing to express my dissatisfaction with the recent attempt to remove accounts and public records associated with my profile. I believe that the service provided did not meet my expectations, and I would like to bring the following concerns to your attention : Despite the initial attempt, I have observed that accounts and public records are still present. I expected a more thorough and effective removal process. 

There was a lack of clear communication throughout the process. I was not adequately informed about the steps taken, the progress made, or any challenges encountered during the removal attempt. 

The process took longer than anticipated, and I expected a more prompt resolution to my request. Timely removal is crucial to protect my privacy and personal information. 

I understand that issues may arise during such processes, but I believe my concerns are valid and warrant further attention. I kindly request that you review my case and take appropriate actions to address the aforementioned issues. 

Additionally, I would appreciate regular updates on the progress of the resolution and any steps taken to rectify the situation. Please provide a detailed explanation of the measures being implemented to ensure a more successful and expedited resolution to my satisfaction. I am asking for your assistance to remove these items : XXXX  XXXX XXXX XXXX XXXX XXXX} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. XXXX XXXX XXXX XXXX XXXX XXXX} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX XXXX XXXX XXXX XXXX - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

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 2023-06-22
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief