BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX XXXX creditor : XXXX -Account XXXX XXXX, XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The following Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XX/XX/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

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 2022-11-29
Company: EQUIFAX, INC.
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: 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 demand to be deleted 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CITIBANK, N.A.
State: RI
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, these accounts was open fraudulently. I need them remove

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 2023-02-20
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: Old information reappears or never goes away

Complaint:
This collection account is reporting as a open ... with a pass bal and the credit reporting agencies is reporting this inaccurate information... the account is the US department of education the amount is {$4500.00} reporting date as XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: IL
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:
They claim that I activated the card that I have NEVER received. I called them to complain and let them know that I did not have a card, they claim that it was activated from my cell phone.IT WAS NOT, NEVER WAS, BECAUSE I NEVER HAD THEIR CARD, Now they have added this to my credit report, and it has drastically lowered my score. I WANT THIS REMOVED AND TO CLOSE THIS CARD ACCOUNT that I DO NOT HAVE.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: NY
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 reach out to Experian and they said to send a complaint here with a inquiry that I did not authorized

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 2023-10-30
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I want a monthly paperbill. The company is not sending me any monthly information concerning my account and says I must request on the phone my paper monthly statement or it won't be sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied for loss mitigation with Freedom Mortage. I was told by Freedom Mortage on XX/XX/XXXX all documents are in waiting on a response. Again Freedom Mortgage on XX/XX/XXXX all documents are in waiting on a response XXXX weeks before my property was sold at auction. I was not made aware by Freedoom Mortage of an Impendinging foreclosure on any of these calls. The ceritfied mailing I did recieve was sent in XX/XX/XXXX. Records show nothing was signed for after that. Freedom Mortage continuse to refer to XX/XX/XXXX that my loss mitigation case was closed but according to their own records from numerous phone calls and notes on my account this is not accurate. On XX/XX/XXXX I was instucted by Freedoom Mortage to send another loss mitigation packet which I did. I am currently fighting eviction from my home which was sold at auction. Freedom Mortgage needs to recind this foreclousre instead of dishonestly giving thier customers the run around.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Following information not being reported properly with credit reporting agencies ; high balance, closed date & credit limit. 

Also ; In accordance to Fair Credit Reporting act Company, rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 A- consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Ref : XXXX Account ending : XXXX To whom it may concern ; I opened an account with AMEX credit cards, -around XXXX XXXX- in fact I upgraded one of my AMEX cards to another card offer. 
If you spend {$1000.00}, they will pay you {$150.00} as a cash bonus, in 3 months. I agreed on that, and they sent me the new card. 

Afterwards; during Summer XXXX, I had a visit to XXXX and XXXX ( around XX/XX/XXXX  ). I called them, asking if they apply foreign transaction fees for expenses abroad, and they said Yes. Regarding this, I canceled my card. They did not inform anything at that time. 

After one month ( Around XXXX or XX/XX/XXXX  ) they sent me a bill, regarding my canceled account, that I owed them {$150.00} since I had not completed my 1 ( one ) year with AMEX card, and I had to refund that money. Ive refused that. They sent me another bill for next month with some 20 % interest {$170.00}. 
This is a fraud ; since I did not agree, to sign or to refund of the cash bonus. Also, I used this card for at least 7-8 months, and also I spent {$1000.00} to get this promotion. 
Also, I asked them to re-open the account, and they refused. 

What can I do? If I do not pay, they will charge me another 20 % interest to this amount. In fact this was not a credit, just a promotion. 

What can I do against American Express Corporation?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions. 

I missed two payments on my [ XXXX Credit Card ] XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

They also violated the because according to 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states 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 explanation
Consumer complaint received 2023-02-08
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:
In accordance with the fair credit report act this creditor has violated my rights. Under 15 US c 1681 section 602 states I have the right to privacy. 15 US c 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 US c 1666B a creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX XXXX XXXXXXXX about an unauthorized hard inquiry made on XX/XX/2021XXXX XXXX XXXX XXXXXXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX XXXXXXXX must contact the reporting credit bureau for removal.

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 2023-09-14
Company: CITIBANK, N.A.
State: WA
Product: Credit 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:
An unauthorized purchase was performed at XXXX XXXX on XX/XX/2023 for {$500.00} with my Citi credit card account. 
The charge was disputed, and the bank ruled against me. The bank stated that I participated in the transaction. 

The bank stated that the card used during the transaction was a card ending in XXXX, belonging to my wife. My wife is an authorized user ( has an " additional card '' ) of my citi account. 
Citi asked me to confirm that the card was in our ( me and my wife ) possession. 
Citi asserted that the card was present, and that the " chip '' was used to complete the purchase. Citi claims the chips can not be duplicated. Hence they conclude that we participated in the transaction, and ruled against me. 

I contacted Citi via phone on XX/XX/XXXX, and they confirmed that the extent of their investigation was that the " chip '' was used, and that those can not be duplicated. 
Citi apparently decides to routinely ignore the fact that there are known attacks against EMV ( a.k.a. chips ) and immediately rule against the consumer. 
I don't have any sort of proof as to the time of this writing - that the transaction was indeed EMV-based. 

We had possesion of the card ending in XXXX, and we ( my wife and I ) were both hiking up a mountain at the time we received texts from the bank asking for confirmation for the transaction regarding this complaint. 

Makes me wonder how often this happens, and how much money Citi is keeping from the customers. This due to Citi immediately ruling against the consumer whenever the disputes are about *supposedly* EMV-based transactions 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 2023-04-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
An authorized subscription payment was made on my XXXX ID. I called XXXX for a refund and I was told that I have been paying for XXXX XXXX for the past 4 months and a refund of {$450.00} will be sent to me. I was asked for my drivers license, last 4 of my social security number, name and address. I was told these were updates to my XXXX ID due to me changing my address and phone number. Changes were made to my XXXX ID by an authorized person.Unknowingly, there was an unauthorized transaction made from nutmeg credit union to money gram. An unauthorized money transfer if {$450.00} sent withdrawn directly from my bank to money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # 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 2023-06-19
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:
XXXX in the name of Clarity Services is doing nothing but running peoples credit by doing soft and hard inquires under names associated with clarity services or XXXX boost. Such as the following companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is making it a point to use these companies to run peoples credit scores down into the ground so they had to pay more credit when they authorize when they recommend them for credit, the consumer financial protection bureau need to take this kind of power away from the three credit bureaus all they should be there for is to oversee credit not strong thumb people into high outlandish interest rates because they have done excessive excessive excessive amounts of inquiries, hard and soft on their credit which drives a Credit score down their credit writing down there Phico score down everything XXXX needs to be punished punished severely punished like XXXX with a Federal Trade Commission punish light blink with a Federal Trade Commission. They need to be punished for what they are doing.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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.

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 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On my Walmart Rewards card ending in XXXX I have set up AUTOPAY on the bill due date for the MINIMUM AMOUNT DUE. 
For the XXXX through XXXX billing period I paid the bill and then some ( XXXX {$18.00} ; XXXX - {$300.00} ) early. Capital One 's website acknowledged ( see attached screenshot ) that a minimum payment was no longer due thus negating the ACH authorization. 

On XXXX Capital One attempted to process a payment of {$28.00} without my authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX 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