BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I pulled a copy of my TransUnion consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXXr Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

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 2020-02-13
Company: EQUIFAX, INC.
State: MA
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 presented XXXX with the request for support to have the incorrect information that appears on my consumer report corrected and for the removal of the items that I have listed pertain to identity theft and the misuse of my information. 
I have not received an appropriate response from the part of XXXX and in my last attempt to commission support I have been left on the phone for one and a half hours and then the call was simply ended without appropriate resolution.

I am a person with a XXXX and the continuous disregard of my concerns and poor communication is not the experience that myself or any concerned consumer should have when documenting that they have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Transferred XXXX to Coinbase exchange from XXXX exchange is unavailable. I can't withdraw, sell or buy using transferred XXXX into Coinbase exchange account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I enrolled in automatic drafts to pay my credit card. The drafts stopped and I was charged XXXX fee XX/XX/2023 This is not the first time I have had a problem with capital one charging me fee 's. It's to the point, where I want to close all my accounts. 

They can see my checking and know that I am on a fixed income due to have a XXXX XXXX child.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to dispute a declined bank error late payment on my car loan account with XXXX, XXXX. I have never made a late payment on this loan or any other loan in my credit history. The late payment was caused by a bank error, and I have proof that the payment was made on time. On XX/XX/XXXX of 2022, I made a payment of {$320.00} to my car loan account. I have attached a copy of my bank statement showing this payment was processed and deducted from my bank account on that date. However, for some reason, XXXX, XXXX did not receive the payment, and as a result, it was marked as late on my account. I immediately contacted XXXX, XXXX to resolve the issue and sent a letter disputing the late payment. However, my dispute was declined, and my credit score has been negatively impacted by their mistake. I have always been a responsible borrower and have maintained a perfect credit score until this incident. I am requesting that XXXX, XXXX remove the late payment from my account and correct my credit report. I have provided proof that the payment was made on time, and I believe that their mistake should not be allowed to damage my credit history. Thank you for your time and assistance in this matter. I look forward to a swift resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2023 I paid XXXX XXXX {$3400.00} for a kitchen renovation. I decided not to use them canceled the work asking Capital One for a refund in the form of a check. They mailed me {$3200.00} a check short {$190.00}. Later XXXX XXXX returned all but {$100.00} to Capital One XXXX XXXX XXXX claiming that they were deducting {$100.00} because a man came to my house even though he did nothing. The very next day, Capital One deducted another {$100.00} from my account. I am claiming that Capital One owes me {$190.00} plus the {$100.00} that I was charged for twice totaling {$290.00}. I have written and called without any help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to dispute a declined bank error late payment on my car loan account with XXXX, XXXX. I have never made a late payment on this loan or any other loan in my credit history. The late payment was caused by a bank error, and I have proof that the payment was made on time. On XX/XX/XXXX of XXXX, I made a payment of {$320.00} to my car loan account. I have attached a copy of my bank statement showing this payment was processed and deducted from my bank account on that date. However, for some reason, XXXX, XXXX did not receive the payment, and as a result, it was marked as late on my account. I immediately contacted XXXX, XXXX to resolve the issue and sent a letter disputing the late payment. However, my dispute was declined, and my credit score has been negatively impacted by their mistake. I have always been a responsible borrower and have maintained a perfect credit score until this incident. I am requesting that XXXX, XXXX remove the late payment from my account and correct my credit report. I have provided proof that the payment was made on time, and I believe that their mistake should not be allowed to damage my credit history. Thank you for your time and assistance in this matter. I look forward to a swift resolution to this issue.

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 2022-12-22
Company: SYNCHRONY FINANCIAL
State: TX
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:
The company is XXXX  Credit which is actually Synchrony Bank. I had a charge that I do not recognize on the account, I called XX/XX/XXXX to let them know as soon as I saw the charge. I asked them to dispute as fraud, and they assured me that they would take care of it. I paid off my entire balance, and left the amount for the dispute, as I can not pay for things I never bought, and I expected them to apply a temporary credit while undergoing investigation like they had promised. Upon further checking I noticed that the account did not ever receive the credit. I was being sent automated emails on XX/XX/XXXX about how my payment was due, and how I was now being charged a late fee for not paying, however I know that the credit card company is not allowed to do this, for a disputed amount. I called XX/XX/XXXX and spoke with a person named XXXX XXXX and she told me that the dispute wasn't entered and they had made a mistake. Now looking at the account I see that they are trying to charge me another non payment / late fee, and they are still asking me to pay for the disputed amount. I have not been sent any documentation via mail regarding a dispute, or email for that matter. I just would like the balance to be taken care of in the amount of {$130.00} and with their newly added late fees now {$170.00} I can not pay for something that is fraud, and it seems they do not wish to actually make the dispute for me.

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 2019-01-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an XXXX Visa from Chase Credit Cards. last year I noticed I kept getting charged a late fee even though I was making my payment on time. I spoke with a Customer Service Representative ( CSR ) who explained they were in the right and I was in the wrong. I told them to cancel my account, which they did. I still had an outstanding balance so I continued to pay it down until it was within a reasonable amount before paying it off. On XX/XX/XXXX, I logged onto my account to make my XXXX payment when I noticed that I was charged a {$25.00} late fee on XX/XX/XXXX even though I had made the minimum payment of {$25.00} on XX/XX/XXXX. My online statement also showed that my payment was paid on XX/XX/XXXX. I called and spoke to a CSR who told me that if I had waited until XX/XX/XXXX, a late fee would not have been charged. I explained that this is why I cancelled my credit card in the first place because of these ridiculous and unethical business practices. He agreed to remove the {$25.00} late fee. I requested a confirmation number, but he stated they do not do that, but it would show up in my next statement. When I went to pay my XXXX payment, I saw a {$27.00} late fee charged on XX/XX/XXXX even though I paid my XXXX payment on XX/XX/XXXX, which shows on my statement. I called Chase again, and I spoke with another CSR who stated that it was my fault because I paid my XXXX payment on XX/XX/XXXX. I asked to speak to a manager, and the manager made a futile attempted to get the late fee waived and to reduce my minimum payment back to {$25.00} instead of {$54.00}. When the manager came back on the line she claimed that they were unable to take the late fee off or change my minimum payment back to {$25.00}, and told me I would continue to be charged a late fee if I did not pay {$54.00} by XX/XX/XXXX. I hung up on her at that point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: ALLY FINANCIAL INC.
State: UT
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:
Ally Financial is reporting an erroneous late on my credit file for XX/XX/2020. I was never late!!! This is a charge off that I paid off. I should not have any recent lates reporting. This is a violation and I am requesting that Ally fixes this immediately.

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 2022-12-29
Company: EQUIFAX, INC.
State: IL
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 XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXXXXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: KY
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 saw that XXXX XXXX XXXX and XXXX XXXX XXXX both had put hard inquiries on my credit report to all 3 major credit reporting agencys and i contacted both credit one and premier bank and asked why they had put hard inquirys on my credit report when i never used them and was not a customer and was told i applied for a credit card. a XXXX il address and a fake phone number and fake social ssn number was added to my credit report which i told them was not done by me, i was able to prove that i was XXXX XXXX XXXX and had a valid id and correct ssn and valid adress and valid phone number and it was a a fraud and told them both to cancel the credit card because i did not request the cards and did not want a card with them as i didnt rrust them as they had let someone with false imformation try to get a credit catrd in my name and would not remove the hard inquary from my credit report .this was done on XX/XX/XXXX through XXXX of XXXX XXXX called each of tyhe credit agencys experian, XXXX  and XXXX  and told them about XXXX XXXX and XXXX XXXX XXXX doing hard inquiry on my credit report using fradulent data to give a credit card to a unknown person in my name and now i am trying to get this hard inquiry removed from my credit report and have somethingh done to XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX for allowing this fradulent data to be added to my account with no valid proof or valid id used or valid address or valid phone number or valid social ssn given to prove it was actually me before adding this data to my credit report and causing me to lose points on my credit report and refusing to remove the false data after verifing it was not me who added the false data .transunion does this to hurt XXXX people credit they require i send them my valid id to remove fradulent data but didnt require the person who added the fradulent data to show a valid id or bvalid ssn or valid address which proves they crooks and out to cause mayem and harm to people credit as they add fradulent data too XXXX  easily with no verification at all

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 2023-11-15
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 saw that XXXX XXXX XXXX and first premier bank both had put hard inquiries on my credit report to all XXXX major credit reporting agencys and i contacted both XXXX XXXX and XXXX XXXX  and asked why they had put hard inquirys on my credit report when i never used them and was not a customer and was told i applied for a credit card. a XXXX XXXX address and a fake phone number and fake social ssn number was added to my credit report which i told them was not done by me, i was able to prove that i was XXXX XXXX XXXX and had a valid id and correct ssn and valid adress and valid phone number and it was a a fraud and told them both to cancel the credit card because i did not request the cards and did not want a card with them as i didnt rrust them as they had let someone with false imformation try to get a credit catrd in my name and would not remove the hard inquary from my credit report .this was done on XX/XX/XXXX through XXXX of XXXX XXXX called each of XXXX credit agencys XXXX XXXX and traansunion and told them about credit XXXX and XXXX XXXX XXXX doing hard inquiry on my credit report using fradulent data to give a credit card to a unknown person in my name and now i am trying to get this hard inquiry removed from my credit report and have somethingh done to XXXX XXXX XXXX and XXXX XXXX XXXX and transunion XXXX XXXX for allowing this fradulent data to be added to my account with no valid proof or valid id used or valid address or valid phone number or valid social ssn given to prove it was actually me before adding this data to my credit report and causing me to lose points on my credit report and refusing to remove the false data after verifing it was not me who added the false data .transunion does this to hurt XXXX people credit they require i send them my valid id to remove fradulent data but didnt require the person who added the fradulent data to show a valid id or XXXXvalid ssn or valid address which proves they crooks and out to cause XXXX and harm to people credit as they add fradulent data too ddam easily with no verification at all

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 2020-02-13
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX XXXX, and Experian hurt my business by dropping my credit score by 80 points by a single " collections debt by XXXX XXXX unpaid final bill that was about THREE years old very old old bill just sent to collections. 

Dropping me 80 point, is totally TOTALLY UNFAIR. 

I had a XXXX credit score i worked hard on for over a year paying down my debt and getting my credit score up. Experian credit bureau on one Collection debt three yeaas old and now reported dropped me 80 points to XXXX I am demmaning it to go back where it was, i paid that collection right away and it still shows with a 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 2023-11-15
Company: EQUIFAX, INC.
State: SC
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:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation