BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX ( US BANK ) ACCOUNT ENDING XXXX - COMPANY HAS DECREASED CREDIT LIMIT TWICE IN THE SPAN OF 18 MONTHS - I WILL ACKNOWLEDGE THAT MOST RECENT CASE ( XX/XX/XXXX ) IS LESS DISPUTABLE AS I MADE PARTIAL PAYMENT ON TOTAL AMOUNT DUE - I HAD PREVIOUSLY INQUIRED ABOUT PROMOTIONAL RATES OR PAYMENT ASSITANCE DUE TO FINANCIAL DIFFCULTY DURING THE PANDEMIC - THE FIRST TIME THE LIMIT WAS DECREASED ( XX/XX/XXXX ) I WAS ONE DAY LATE AND IMMEDIATELY MADE PAYMENT WHEN I REALIZED IT HAD NOT BEEN SCHEDULED. I TRIED TO RESOLVE THE MATTER WITH CUSTOMER SERVICE BUT THEY ONLY SUGGESTED TO KEEP MAKING ON TIME PAYMENTS AND THE ACCOUNT WOULD BE REVIEWED AS OFTEN AS SIX MONTHS. 18 MONTHS LATER AND DESPITE ON TIME PAYMENTS, NO CHANGES OCCURED - I REACHED THE UNDERWRITING DEPARTMENT BY WAY OF CUSTOMER SERVICE XX/XX/XXXX BUT NO CHANGES WERE MADE. UNDERWRITING EMPHASIZED IT WAS US BANK POLICY TO DETERMINE THE CREDIT LIMIT BASED ON PAYMENT HISTORY AND TOTAL CREDIT, YET MY CREDIT IS VERY GOOD AND MY PAYMENT HISTORY FOR EVERY CARD IS STELLAR, AND EVEN THE COUPLE OF INSTANCES OF LATE PAYMENT ON OTHER ACCOUNTS DID NOT RESULT IN DECREASED LIMITS

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 2023-07-08
Company: EQUIFAX, INC.
State: TN
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2022, I made a purchase to XXXX XXXX XXXX using a paypal account, pay and XXXX loan. I paid cash in 4 installments via my paypal. There was an ongoing dispute with the retailer that was eventually resolved and a refund was issued by XXXX to Pay Pal for XXXX under transcaction XXXX. The issue is that the refund went to a closed paypal account under the same email and phone number as that paypal account that the original pay and 4 purchase was made was closed for security reasons in XXXX. Pay pal sees the refund and acknowledges it but for some reason they can not seem to either transfer the funds or credit to the new and open paypal account, issue a check or send the refund back to XXXX and bascially are keeping the funds. I have logged in hour and upon hours on this issue with no success or resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: MO
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 writing to dispute the collection efforts regarding accounts of the alleged debt below that you claim I owe. I am aware that under the Fair Debt Collection Practices Act, you are prohibited from using any false or misleading representations in your attempts to collect a debt.Specifically, You are in violation of 15 U.S. Code 1692e ( 10 ) False or misleading representations, which prohibits the use of false or misleading representations in connection with the collection of a debt. Also I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. Your attempts to collect the alleged debt have been misleading and deceptive, as you have failed to provide me with sufficient documentation and proof of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: GREAT WESTERN BANCORP, INC.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I began sending money to a company called XXXX. It was sent from my bank, Great Western Bank to XXXX XXXX out of New York. XXXX XXXX then sent it on to XXXX  via a service called XXXX. They were supposedly investing my money into Bitcoin. 

From XX/XX/XXXX until XXXX or XX/XX/XXXX I sent {$43000.00}. My account was growing rapidly up to $ XXXX by XX/XX/XXXX. Now I tried to begin withdrawing some of my money. At first they gave me the run around. Then they stopped communication all together. Subsequent efforts to withdraw money made it apparent that XXXX was a fake company. 

A company called " XXXX '' tells me that the bank as well as XXXX XXXX had a responsibility to protect me from the {$43000.00}. XXXX denies any responsibility and so does the bank. I have sent letters of request to the bank and to XXXX with no results. 

I will try to upload a copy of a letter sent to my bank.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX please 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NV
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:
XXXX has misused my personal information I would like all information corrected and removed as soon as possible, all accounts and aliases and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 2. 15 U.S code 1681n Infamis of pulls XXXX XXXXXXXX Account Number : XXXX 3. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 4. 15 U.S code 1681n Infamis of pulls XXXX XXXX Account Number : XXXX 5. 15 U.S code 1681n Infamis of pulls XXXX XXXX. 
Account Number : 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 2023-05-04
Company: Experian Information Solutions 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2021-05-11
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I explained to Midland Credit Management, on a recorded line, that I was part of the Class Action Lawsuit against XXXX XXXX ( XXXX vs XXXX XXXX Class Action Lawsuit ) where as XXXX XXXXXXXX was to have all debts removed from all three credit bureaus, XXXX, XXXX, and XXXX. They were not to sell our information to third parties anymore. This debt that Midland have is not mine and the date open they have is incorrect ( XX/XX/2020 ) and the amount is fraudulent, this is a fraudulent account, and I will hire an attorney and sue them and XXXX XXXX if they don't remove this from all three credit bureaus agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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 have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct. 

Unauthorized items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
After recent review of my Credit report ( s ), I found that there are numerous Hard Inquiries on my report that I did not authorize. The following are those inquiries I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I submitted a claim with XXXX XXXX XXXX, a partnership with my Bank of America Visa Credit Card. 

I filed a product warranty extension claim with their online site, XXXX ( XXXX ) regarding the defective XXXX XXXX I had purchased in XX/XX/XXXX. The watch was out of the manufacturers initial warranty, however my credit card offered warranty protection/extension. 

I submitted all required documentation and explained my situation to XXXX however they have unfairly denied my claim. The case manager believes that XXXX would not have covered this malfunction with my watch under their normal 1-year warranty. I also called them recently when I received the news my claim was being denied and they said specifically that the claim does not cover water damage. 

XXXX never stated the there was water damage or personal negligence on my part when using the device. 

In fact a major selling point for said device is its water-proofing abilities. It is used to swim, workout, under wet conditions, etc. 

So essentially the claims adjuster is stating they they wont reimburse me the {$370.00} I had to pay XXXX out of warranty, because XXXX believes that the product was water damaged. 

1- XXXX made no claims that the product was water damaged, only that it had malfunctioned and they could not duplicate the issue. 

2- Even if water was the leading culprit for why the watch was malfunctioning, it is still within the scope of XXXX XXXX 1-year warranty. 

Today, XX/XX/XXXX, I have submitted a formal appeal with their company, and emailed it to their main line, XXXX. I have proof that they opened the email as I use software to track whether or not it was opened. 

I am doubtful that they will even respond in a timely manner given the near two months it has taken to form a decision on the first appeal, and have since spent countless hours over the phone with their representatives to further discuss the matter. 

XXXX has unfairly denied my claim, and taken far too long to process the initial claim to begin with. They are discriminating my claim based on an assumption of the facts, and not the facts themselves. 

If a credit card is to offer these sorts of benefits, then they need to be held responsible when their use is requested by the consumer. 

It is is an unfair financial practice.

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 2023-08-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX - I did not give this company permission to make a hard pull on my credit. 
XXXX  XXXX This company did not have permission to make a hard pull inquiry. 
XXXX XXXX This company completely fraudulently made a hard pull on my credit. 
XXXX XX/XX/XXXX- I am completely unaware who this company is and they did not have permission to pull my credit. 
XXXX XXXX  XX/XX/XXXX XXXX I am completely unaware of this company and they did not have permission to pull my credit. 
XXXX XXXX XXXX  XXXX I am completely unaware of this company and did not give them permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reviewed my Consumer Reports and noticed that I had two late pavments on an account Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
XXXXXXXX XXXX XXXX : # XXXX .15 U.S. Code 1681a - Definitions ; rules of construction Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payments are transactions & experiences. 

XX/XX/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 2023-04-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macys credit card has damaged my credit, charges unnecessary interest charges on XXXX balances and reported 30 days late to my credit report without notifying me of the issue. I opened a new bank account and updated my auto pay on XX/XX/XXXX. My payment for XX/XX/XXXX was shown as paid and when checking my balance on XX/XX/XXXX I saw there was suddenly no auto payment set up. I contacted the company right away to find out why this happened. They had also charged me over {$87.00} in fees and interest. The company advised me that the auto pay did not go through and could not provide explanation as to why my auto pay was suddenly canceled or why I was not notified that there was a problem with my auto payment. When viewing my statements there is also no missed payment shown for XXXX. Upon reviewing my credit report in XX/XX/XXXX I found Macys had reported an over 30 days late payment for the auto pay error however the payment had in fact been paid for XX/XX/XXXX and was not over 30 days late when I discovered the issue XX/XX/XXXX to resolve it. I would like this removed from my credit and the interest and fees refunded. I also noticed on several occasions- the most recent XX/XX/XXXX Macys has randomly charged interest on {$0.00} balance. This is sneaky business practice trying to steal money with random interest or fees and without notifying the consumer of the problem. Macys also reduced my credit limit as a result of this error and my credit score dropped XXXX points damaging my credit reputation erroneously.

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