BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The below listedt of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX  acct # XXXX has violated my rights XXXX XXXX Bank acct XXXX XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX acct # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1981 section 602 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has resasonable 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 2023-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
my wallet was lost and it looks like my card was used many times in XXXX XXXX, i informed chase bank, and the dispute was put through and later on the dispute was canceled. other cards of mine were also used and chase asked for me to send them the statements form other banks as well which i did, my other credit cards disputes were cleared but chase did not clear theirs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.

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 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a Capital One credit card, that I make consistent ( early ) payments on, often 3 weeks early. I pay my bill as soon as I get my email. 
For 2 months ( XXXX and XXXX, 2021 ), I did not receive a bill. I got an email from XXXX, ( not from Capital One ) stating my bill was 2 months late. I immediately called Capital One to take care of this, and explained that I never received a bill, or an alert as the company calls it. They told me that it was my responsibility to log on to my account, and it was my responsibility to pay my bill on time. 
Why would anyone sign up for e-billing and be expected to remember to pay the bill, when one ( myself ) never received a bill. 
After multiple conversations, they told me my account had a spam block put on it, by my carrier, ( so they say ). In the months that this incident occurred, I have received all my other bills through email, just not Capital One. They never called me, in the 2 months, to let me know my payment was late. They never texted me. They made no attempt to get ahold of me. When I spoke to the IT person, they said Let me try something, and Ill email you. I responded that the reason Im calling is that the emails arent going through, as I hadnt received them in 2 months. They did something in their end, and then said, Its fixed now and the email came through to me. I am not an IT expert, but if something was done on their end to fix it, isnt it their responsibility to make sure it doesnt happen?

My credit score, because of this, has dropped 150 points, going from excellent to good.

I am very proud of my excellent credit score, and have worked very hard to have my excellent score.and to think that it could drop significantly in such a short time, due to Capital Ones error, is preposterous. They hold no accountability regarding this issue, and they state its all on me, to remember to pay my bill. Why do people sign up for alerts? To remind them to pay a bill. What happens when people dont get the alert to pay their bill? They dont pay it. 
If a tree falls in the forest, with no one around, would anyone hear it? 
If you dont get a bill, how are you expected to pay it? 
I want my credit score back, and I want the late payments taken off my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX of 2020. I purchased a airline ticket with Affirm. To fly to Virginia in XXXX of 2020. I started my payments to Affirm in XXXX XXXX, 2020. 

My state of New Jersey started to require to be 6 feet away from another human, which meant I could not seat on a plane next to another human. The enclosed space could cause me to contact Covid19. My state also started a self quarantine, and I did not want to break the rules. I had been coughing and I had not been able to be tested based on lack of test. 

I contacted Affirm for a refund for my airfare. They denied me a refund. Which wasn't fair based on what the country was going through. I never used the Ticket and never was offered another Ticket for a later date. 

My money was stolen from me and the information was put on my credit report which has destroyed my credit. I'm am reporting fraud on this company and want their information off my credit report. 

They had no empathy for the Pandemic at the time in early 2020, and did not care and only wanted their money, for a flight I never used. 

It was a state quarantine happening and Affirm did not care about that situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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:
I AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NV
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've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted XXXX, XXXX, and Equifax, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account XXXX Closed {$690.00} Date opened : XX/XX/XXXX DEPTEDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} DEPTEDXXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} DEPTEDXXXX  Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} DEPTEDXXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} DEPTEDXXXX XXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a an application to apply for a credit card 0 % APR * ( defined by the fine print : * The 0 % APR applies to balance transfers made within 60 days of account opening and for 20 months from opening the account. A balance transfer fee of 3 % of each transfered amount will apply ). After completing the arithmetical calculations it turns out the APR is 1.8 % not 0 % So right there the US bank exposes itself as fraudulent because when you charge a fee the APR cis not XXXX. I contacted US bank and they keep repeating the same line, even though their website explains the difference between interest rate and APR ver cleary. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My student loans are currently in deferment yet XXXX  is still reporting my payment status as late and it is severely affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
One main financial : Loan amount was XXXX payments for {$310.00} for 60 months. Apr 35.99 % contract rate 33.29 % I am trying to pay off the vehicle loan and after 8 months of payments my payoff is XXXX. In three months of payments my balance went down {$6.00}. In one payment XXXX cents went to the principal payment. OUT OF XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Approximately XXXX  years ago, someone fraudulently opened a store specific credit card in my name. Comenity Capital Bank, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, serviced that credit card. When I received a statement of amounts due for that card, I called Comenity to report the fraud. Comenity told me that I had to send them a substantial amount of documentation to prove the fraud. I refused and advised them that any extension of credit on that card was at their peril and risk. To further protect myself, I placed a freeze on my credit information with XXXX. 
Today, XXXX XXXX, I received a letter from Comenity stating that they could not continue to process a new application for a My Place Rewards Credit Card until I lifted the freeze on my credit info with XXXX. Needless to say, this application was fraudulently submitted in my name. 
The whole reason I placed a freeze on my credit info in the first place was Comenity. I called Comenity today to advise them of the fraud. I told the initial contact that I wanted to report the fraud and was placed on hold for more than XXXX minutes before I disconnected the call. 
I believe the foregoing is a violation of the XXXX XXXX XXXX XXXX. The underwriting, or lack thereof, with regard to the second fraudulent application, constitutes gross negligence and a wanton inconvenience for a consumer such as myself. 
I seek any and all relief that the facts warrant, including but not limited to a letter of apology from the President of Comenity Capital Bank. They knew or should have known of the second fraud before they inconvenienced me with a letter which required my response. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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: Bread Financial Holdings, Inc.
State: WI
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:
XX/XX/XXXX : Received a billing statement for an account with Comenity Bank that I was unaware was still active. I previously opened this account to buy something on XXXX month special financing terms which ended in XX/XX/XXXX. The current billing statement showed 22 individual {$.00} charges which I did not recognize. Based on previous experiences with other creditors, this is a typical activity of fraudsters. This particular card issuer apparently lacks safe gaurds to identify this type of activity. Any other banks I have worked with would have called me to notify me of such illegal activity. The card was unused for years and then randomly has numerous small charges in a row. Seem 's like a red flag but I am no expert. 

XX/XX/XXXX : Went to the card issuer 's website from my home computer which had a login and password saved on it for their website. I called the number on the website to report a fraud claim. Spent XXXX hours hold over the phone and was unable to report to their fraud department. The only person I was able to communicate with was through a 3rd party call center. I sent messages on XXXX and their online portal to call me and cancel the card. I was contacted via XXXX support then and was told someone would call me the following business day. 

XX/XX/XXXX : I received a phone call today and was immediately put back into a phone queue with seemingly endless hold time. I've waited hours on hold for the past 2 days. I can not manage my workflow and keep waiting on hold so I have yet to report the illegal activity. It is not reasonable to wait on hold all day to report fraud. I have a job and a family to care for. This company should have the proper staff to accept fraud reports in a reasonable amount of time. I still have not reported this to their fraud department and can not wait on hold for hours to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Cash App took my son 's money when he activated his card. This happened at XXXX XXXX on XX/XX/2020 when I was added to the call. Trying to calm him down, they got into my account and I had {$700.00} on there that I forgot was paid to me by my clients. I try not to use Cash App but that is what they had. They took my {$700.00} then went into 3 ( three ) accounts two at one bank and the other at another bank and tried to take out several dollars from. One account they tried to take XXXX in six different transactions, the 2nd account they tried to take {$250.00} and the 3rd account at a different bank they tried to get {$250.00}. I have notified my banks and filing fraud charges against Cash App. They have been texting me and calling me continuously but I am not answering their calls. I filed a report the the local police department here and I am filing a cw3 with the FBI Internet fraud. These people tried to take more than {$1500.00} from me and I am not sitting down likely with this. Cash App needs to investigate and see who is in their system scamming their clients. I have been told today of several people that this has happened too but no one knows what to do. It is time to STOP this and we are going to MAKE A CHANGE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 would like to remind Bank of America that, as a victim of identity theft, I have the right to dispute any account created using my personal information. I have filled an FTC affidavit in early XXXX and sent it to the CFPB, who subsequently sent it to Bank of America. I have been out of the country since XX/XX/2023 and, upon my return, I received multiple mails from Bank of America asking me for a copy of the FTC report. By declining my claim, Bank of America is denying me my rights under the Fair Credit Act. I would like to remind Bank of America that they have a copy of the FTC report, which the CFPB sent them, and request that they reconsider my claim.

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 2022-12-20
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief