BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. INACCURATE INFORMATION has been reported : Account name : # XXXX ( XXXX XXXX ) Monthly Due Date is the XXXX of each month - XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ) all marked as late when was NOT more than 30 days late. Statements are attached showing the payments within 30 days of due date ( Highlighted in yellow ). I have reached out to XXXX XXXX  on many occasions who agreed with my findings & stated to reach to credit bureaus. 

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. 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 2022-12-28
Company: Blackhawk Network Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The issue with this company is that they have a recurring problem with their cards. For example, I bought the card from XXXX grocery store and attempted to use the card XXXX after i bought it, the package had not been tampered with, the flap covering the bar code was intact, yet, the {$130.00} i loaded to card was placed on hold because the card had an attempt already tried prior to me buying the card. This is a common issue with this company https : XXXX they offer no direct contact except thru phone, no email, and want you to fax the documents such as drivers license, receipts, and the card which costs additional money to the consumer! This happened before with this company, and as I told them had I known this was there product I ABSOLUTELY would not have purchased the card!! 
Also, the call center rep REFUSED to get a Supervisor after I requested one several times, that is absolutely against call center protocols! They also should not be able to keep the consumers money, and make us send them information and then they send us another card weeks later, this is so unacceptable on so many levels and for them to be able to get away with this, is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information to apply for credit card. I didnt receive any information about that credit. Then they used that credit to shopping something in XXXX while i am living in XXXX. I am trying to disputing but it doesnt work!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: World Acceptance Corporation
State: AL
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 hope this letter finds you well. I am writing to bring to your attention some inaccuracies in the information reported by your company, specifically regarding my accounts with XXXX, XXXX, and XXXX. 

As per my records, the dates of the accounts opened are as follows : XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX. Furthermore, the reported high credit amounts are XXXX- {$430.00}, XXXX- {$430.00}, and XXXX- {$580.00}. 

However, the dates of the last report provided by your company are incorrect. The accurate dates are XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX. It is crucial to report the most up-to-date and accurate information to ensure the integrity of my credit profile. 

Moreover, I would like to bring to your attention that the reported payment history is reflecting a charge-off status for each month. However, this is inaccurate as these accounts are collection accounts, not charge-offs. As per the Fair Credit Reporting Act ( FCRA ) guidelines, it is essential that the information reported on my credit report is correct and reflects the accurate status of the accounts. 

I want to emphasize that a collection account balance can not be reported as {$0.00}. I kindly request that you rectify these inaccuracies and report the correct information in a timely manner. I urge you to adhere to the guidelines outlined in the 15 U.S. Code 1681s2, which states that furnishers of information to consumer reporting agencies must provide accurate information and refrain from reporting inaccurate information. 

To facilitate your investigation, I am enclosing a copy of my credit report from your credit bureau. It highlights the discrepancies mentioned above and includes your company 's information showing the inaccuracies. I trust that this will assist you in rectifying the errors promptly.

It is essential to rectify these inaccuracies, as they may give the impression of fraudulent activities to lenders when they view my credit profile. I implore you to take the necessary steps to correct the information promptly and ensure compliance with the law. 

I appreciate your attention to this matter and your prompt action in rectifying these inaccuracies. Please provide me with written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of this issue. 

Sincerely,

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I applied for a XXXX XXXX XXXX XXXX  account with Navy Federal Credit Union I was very sure I was going to be approved, but a week later I received a denial letter stating that the results of analyses of repayment histories and behaviors of large numbers of members.This system creates a proprietary Navy Federal XXXX XXXX for each credit card applicant with consumer report information on file. They stated why I was denied. 

The letter stated that I do not qualify for the minimum required credit line for the product. 

Stated again that in evaluating my application the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in their decision and is unable to supply specific reasons why they have denied me credit. 

XXXX XXXX Relations I have a problem with the fact that this company for XXXX ran an inquiry on my credit report just to come up with drawn-out excuses as to why they denied me credit, and these reasons for my credit denial are not listed in the companies credit card agreement nor on their web site where it states ( How to apply for credit ) or ( How credit work ) I feel as if I was judged based on my race and age because they have a picture of my ID and when they could not deny me off my credit they took a whole new credit rout.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto 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/2021, I stopped paying on the car because it was a lemon. I was harassed about the vehicle and my creditworthiness was destroyed. There was a current balance left on the car for {$8600.00}. I attempted to reslve th

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request to tell you to remove the disputed items from my credit report. I believe they are fraudulent and do not belong on my credit report. 

Kindly remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/2023 I wrote the courts stating that I have a bankruptcy on my credit. The company responded XX/XX/2023 stating that they don't report to the credit bureau. I then sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023 asking for this information to be removed from my credit report. They responded XX/XX/2023. This information is incorrect. The courts dont report to the credit beau. Therefore, I would like for this information to be removed my credit report. 

Each Credit Braue Is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-02-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the HSBC Advance checking account on XX/XX/2019 because I got a mailer advertising a {$200.00} bonus if I deposit at least {$10000.00} for some number of months. I don't remember the exact number of months, but it was at most 6. I satisfied all the requirements but never received the {$200.00} bonus. I've made several attempts to resolve this issue by directly talking to HSBC representatives via a chat service on their website. Below is a brief summary of my conversations with them : [ unknown date, first time using their chat service ] Talked with XXXX She opened a query with ID XXXX and said to check back later. 

[ XXXX ] I talked with XXXX. 
I gave full name, account number, last four digits of social, and application ID. 
They said to use the same query ID, and to check back in 3 - 5 business days. 

[ XXXX ] I talked with XXXX. 
He asked for a personalized invitation code. 
I said I didnt have it because the mailer was old and I dont have it anymore. 
He said that the notes say I am eligible for the welcome bonus. But not how much that bonus is. 
He said hell send an email to the concerned team, and to wait 2-3 business days. 

[ XXXX ] I talked with XXXX. 
They asked for a personalized code regarding the offer. I said I dont have it anymore. 

[ XXXX ] I talked with XXXX She said they sent me an email and were waiting for my reply. I was not told to expect an email. I could not find their email. I asked them to resend it. I still have never received such an email. 

-- end of log -- At one point, they told me to expect a letter in the mail, but that never arrived. I never got an explanation why I haven't received the bonus. They keep telling me they sent me either a letter in the mail, or an email. I never received either. I double checked my spam filter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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:
I returned 9 bottle of recall products " XXXX XXXX XXXX they only refund me 7 of them on XXXX XXXX, 2022 in XXXX XXXX, XXXX XXXX. I got total XXXX amount back for only 7 products but two products was missing. They told me when they scan the product it does NOT show the receipt it was returned but it shows it was processed return in their system but they can not refund because I purchased online. They told me that 2 of them will be refund by Bloomingdales.com because it was purchased online. I spoke next day or in 2 days with Manager name XXXX. She told me don't worry Bloomingdales.com will refund me by credit card or send me by check by how I originally paid for. I spoke to several people on Bloomingdales.com I spoke to Lead Supervisor from Macys/Bloomingdales customer service named XXXX her Id # XXXX, she is located in Texas. She said she was going to follow up with Manager XXXX and follow up with me and work on my case. Last time she left me a voice message on XXXX XXXX saying she will follow up with me on XXXX XXXX and never heard back from her again. It is really frustrating that no one is giving me proper refund back for two missing item. It was considered stolen by Bloomingdales.com for keeping in their possession without refunding me. I would like to communicate through email.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-21
Company: EQUIFAX, INC.
State: TN
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 writing to you regarding a matter of utmost importance pertaining to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) as defined in the United States Code, Title 15, Section 1681. As an informed and responsible consumer, I am fully aware of the protections granted to me under the FCRA, which are designed to ensure the accuracy, fairness, and privacy of information contained in consumer reports. It has come to my attention that certain activities have occurred that potentially violate the provisions set forth by the FCRA, prompting me to bring this matter to your attention and seek resolution in accordance with the law. I am trying to to start building my credit for a house and car. I mailed the the 3 major credit bureaus about a inaccurate information on my credit report. This is very vital that I get this fixed but none of the credit bureaus contacted me. My XXXX XXXX collection was written off for the amount of {$1000.00} as a of XX/XX/2021. I also have one with XXXX XXXX XXXX. I trust that you will treat this matter with the seriousness it deserves and take the necessary steps to address the issue promptly. Failure to comply with the FCRA may result in legal consequences, which I hope we can avoid by resolving this matter in a mutually satisfactory manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit bureau did not report my payment on my credit report for month of XXXX & XXXX. 
The credit bureau reported that I missed payment for the month of XXXX for my XXXX XXXX credit card which is inaccurate XXXX XXXX credit cards payment is paid. XXXX  payment is paid. Department XXXX payment is paid. XXXX XXXX XXXXXXXX XXXX is paid.

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