BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My leased XXXX was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to XXXX XXXX on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to XXXX XXXX. 
On XX/XX/XXXX XXXX XXXX deposited the full Total Loss Buyout in the amount of {$22000.00}. 

XXXX XXXX has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''. 

I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error. 

XXXX XXXX has been paid in full and the current amount due is {$0.00}. 

I have tried disputing this on my own but XXXX refuses to verify with the credit reporting agencies that the account has been satisfied.

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 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion consistently displays the message " We are unable to complete your request at this time. '' on their website when trying to view my free consumer file, dispute a claim, or freeze my account. 

I believe this is by design to make my access to my information difficult and create a barrier to me controlling my data.

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 2022-12-23
Company: CITIBANK, N.A.
State: TX
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:
I received a email out of the blue from Citi Card, stating that my credit card that I pay three weeks be for the due date every month and have never missed a payment, My account was XXXX and today they changed it to XXXX dollars, due to retaliation because I filed a complaint with CFBP last month in reference to them reporting false information in my credit report. There is no valid reason to do such an unlawful, unjustified and flat out discrimination act, and a law suit need to be brought against the company I am not the only person of XXXX that have been done like this I am attaching the email sent to me and my payments statements showing my on-time payments

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 2022-03-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. Credit Acceptance continued to report inaccurate information to all 3 the credit buraus. After each dispute Credit Acceptance would come back and say the information they are reporting was accurate. In XXXX, XXXX deleted the account after a dispute due to the continuous inaccurate reporting from Credit Acceptance. I grew so tired of the back and forth between Credit Acceptance, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. 
Today XX/XX/XXXX. I get a letter from XXXX indicating that Credit Acceptance requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My XXXX credit score took a hit for the reinsertion of an account with debt I don't actually owe.

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 2022-12-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Agent will not remove credit inquiries on account, requested supervisor. Agent per phone conversation, XXXX est gave me a written script, advising that I do not have the right to dispute information. XXXX told me I don't have right to dispute inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase offered XXXX points for opening a new mortgage for cardholders with the Chase Sapphire Reserve credit card. I applied for the mortgage through my Chase " Just for You '' section of the website which referred me to a local Chase representative. I completed my condo purchase with the new mortgage on XX/XX/XXXX. After waiting 60 days past closing, I reached out to Chase numerous times to determine the status the points. I also reached out to the Chase " Sr. Home Lending Advisor CPC '' XXXX XXXX on multiple occasions, but he did not address the request. I also inquired with XXXX XXXX. 

Dates of communication are listed below : XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail and Phone call to XXXX XXXX and XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX and XXXX XXXX I am requesting that Chase apply the rewards points associated with the mortgage to my account. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I disputed and contacted the company several times.

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 2022-02-09
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: Was not notified of investigation status or results

Complaint:
All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( s ) ( XXXX, Experian, and XXXX ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( s ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  carrier services, Fair Credit Reporting Act, Section 609 Letters to the company ( s ) XXXX, Experian, and XXXX. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.

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 2023-03-12
Company: Experian Information Solutions 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:
On XXXX I sent to Experian, XXXX and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. Experian keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that Experian is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX XXXX XXXX, acct # XXXX XXXX XXXX. 
15USC 1692 section 805 A in which XXXXXXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well.

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different  reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.

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 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I never opened an credit card account with American Express and there are XXXX credit cards in my name there is a XXXX  credit card and XXXX  credit card. The address on file doesn't match the address on my ID and i have a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XXXX XXXX, 2022 2022

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 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
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, 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.I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a suppressed FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions. 

U.S. Bankruptcy Court : Has violated my rights Type : Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2017 Reference # : XXXX Closing Date : XX/XX/2017 Asset Amount : {$0.00} Court : U.S. Bankruptcy Court Liability : {$0.00} Exempt Amount : {$0.00} Remarks : - XXXX also has incorrect address in file : XXXX XXXX XXXX XXXX XXXX, TX XXXX Please refer to full US Code should you require itemized list of actions allowed and not allowed under the code.

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 2023-06-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I am writing to express my concern and seek a re-investigation into the recent permanent limitation placed on my PayPal account ( associated email : XXXX ). 

I was taken aback by the abrupt action taken, as I firmly believe there may be a misunderstanding or an error involved in this decision. I am unable to discern any violation of the PayPal policies on my part that would necessitate such a severe sanction. I am a diligent user and have always adhered to the rules and guidelines outlined by PayPal.

To this end, I kindly request your team to revisit the circumstances surrounding this decision, and if possible, provide me with a detailed explanation about the specific actions or activities that have led to this account limitation. I am prepared to provide any additional information or evidence that may be required during this process.

I understand that PayPal 's efforts to maintain a secure and trustworthy environment may sometimes necessitate strict measures. However, in this instance, I strongly feel that the permanent limitation on my account may have been imposed due to an inadvertent mistake. 

As a long-standing and committed user of PayPal services XXXX I place great value in the security and convenience that PayPal provides XXXX The sudden and unexpected limitation on my account has caused considerable inconvenience and has interrupted my personal and professional transactions. 

Therefore, I respectfully request that you review the decision and consider lifting the limitation on my account if it is found that there has been an error. I look forward to your understanding and prompt action in this matter. 

Thank you in advance for your time and consideration. I eagerly await your response. 

Yours sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: DISCOVER BANK
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I CALLED AND SPOKE TO FRAUD DEPARTMENT AT DISCOVER CARD TO REPORT CHARGES THAT WERE PUT ON MY ACCOUNT FOR AMOUNTS OF {$4500.00}, {$960.00}, {$630.00}, {$1700.00}, {$200.00} THEY FILED A FRAUD COMPLAINT AND I DID RECEIVE THE CREDITS FOR ALL CHARGES BUT THEN THEY TOOK MY CREDIT BACK AND SENT ME A LETTER SAYING THAT I DID MAKE THESE CHARGES BECAUSE THERE WERE SEVERAL. I DID NOT MAKE THESE TRANSACTIONS AND I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPPANIES.. I WOULD LIKE MY MONEY BACK AND TO KEEP MY REFUND THIS TIME. PLEASE HELP ME TO GET MY MONEY BACK FROM DISCOVER CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Information on my credit report is inaccurate and has brought down my score. I have been working with the credit bureaus and moving to slow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting three accounts with 30 day late comments. All my accounts are paid through auto bank draft before the due dates. I have thousands of payments all made on time because I use this method of paying my bills. I requested they correct these accounts to be marked " paid as agreed '' never late but they have not corrected the issue. 

XXXX XXXX XXXX shows a XX/XX/XXXX 30 days late XXXX XXXX*** shows a XX/XX/XXXX 30 day late and XXXX/ XXXX  shows a XX/XX/XXXX 30 days late. 

All these accounts were paid on time like everything else on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: CITIBANK, N.A.
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:
I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the CITICARDS CBNA but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
CITICARDS CBNA 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 explanation