BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: U.S. BANCORP
State: WI
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:
XX/XX/2022 - cashed out XXXX rewards points as {$300.00} XXXX gift card. 

Gift card was never delivered. 
XXXX was sent back to processing facility. 

XX/XX/2022 contacted US Bank credit card customer number to file an investigation and a refund of points or resend cards via XXXX. 

Was Notified by US Bank service member the customer service team will follow up and make a decision in XXXX days. 

XX/XX/2022 contacted US Bank customer service for updates. Still haven't been contacted by US Bank credit card service team after 30 days. 

XX/XX/2022 - still have not received updates from US Bank about the credit cards rewards resumption issue. 
Rewards points still have not been refunded to my account and have not received information about resending my gifts cards.

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 2020-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed that my credit reports are reflecting a late payment on my XXXX XXXX XXXX XXXX account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: SYNCHRONY FINANCIAL
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2023-07-25
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: Information belongs to someone else

Complaint:
XXXX XXXX Sold the debt to a debt collector. I called XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from TRANSUNION/ XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't 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 non-monetary relief
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing inquiries from my credit report from all XXXX credit bureaus for 3 months and to date no resolve or 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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-18
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
Barclays has not resolved fraudulent use of tow credit cards

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 2020-02-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Best Buy Credit Services, Citi Bank. Morally Bankrupt? 

First off, I think it is safe to say a {$60.00} fee on {$500.00} line of credit is outrageous. I think this fee is purposely more than the minimum payment so Citi can accrue interest on it by spreading the payment out over multiple months for customers enrolled in autopay. 

In XXXX I purchased a laptop on the CC to help with online classes I was taking at the time.I made several other purchases over a 6 month time frame. 

In XX/XX/XXXX I paid an annual fee and asked for the account to be closed, the customer service rep convinced me to keep the account open, as a favor she would reduce the amount I owed. To paraphrase, she explained it was in my best interest to keep the account open since the fee was taken care of. Understanding that closing a credit card could harm my credit, I enrolled in auto pay at that time. 

In XX/XX/XXXX an automatic payment was applied to the account for the XXXX annual fee but not for the total amount, I switched banks between XX/XX/XXXX and XX/XX/XXXX. The next month the payment failed. 

I have another account with Citi that I was current on this entire time. 
I called in late XXXX to close the account and I thought this brought me to a XXXX balance but apparently I was mistaken. 

As of XX/XX/XXXX my credit report reflects the account is closed by the creditor. Late payment of over 90 days balance of {$150.00} that Citi forgave and did not send to a collection agency. 

As a result my credit score was dinged about 80 points from around 705 to XXXX Citi employee XXXX of Best Buy Credit Services team # XXXX denies that it was predatory to offer to reduce my balance if I would consider keeping the card open in XXXX. Citi also denies that a {$60.00} fee for a {$500.00} line of credit is predatory because I could have requested a credit line increase at any time. Citi claims that as a young person I am a credit risk and thus a {$60.00} fee is justified.

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 2023-07-26
Company: DISCOVER BANK
State: FL
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:
On XX/XX/XXXX, I authorized a deposit for moving expenses to a company named XXXX XXXX based in XXXX, centered around an interstate move from XXXX XXXX to XXXX. The deposit was {$1600.00} for a BINDING price of {$4400.00} to pack and move my residence, to move my motorcycle, and to load and move an already packed residence of my girlfriend. 

On XX/XX/XXXX, I was informed that XXXX XXXX was just a Broker and not the actual moving company. The company that would actually be handling my move was a XXXX XXXX XXXX XXXX based in New Jersey. 

They arrived at my residence and told me that it would be in excess of {$8000.00} to pack my items and move them to Florida. I informed XXXX XXXX XXXX that I had a BINDING agreement with XXXX XXXX and that it was {$4400.00}. 

XXXX  XXXX XXXX loaded the truck as I had an apartment lease and needed to have the items removed from the property. They brought them to storage in XXXX XXXX. I disputed the charge with Discover due to Fraud, deceptive practices, extortion etc. and won the dispute. I filed a report with the USDOT and the FCMSA. XXXX XXXX XXXX as a result of losing the dispute has informed me they are going to auction off my items as a result. Litigation has been threatened against XXXX XXXX XXXX and XXXX XXXX if this occurs. My attorney is XXXX XXXX in XXXX. 

The fraud the commenced was a moving scam initiated by the Broker, XXXX XXXX. They get your business by coming in with a low price. Then when the actual moving company is on site, they can charge you whatever they want. XXXX  XXXX XXXX even had the audacity to show up with a XXXX XXXX XXXX  rental truck, which only has a capacity of XXXX cubic feet, and charge me for XXXX cubic feet. This fraud has been reported to Discover and law enforcement authorities and criminal charges are pending. 

As XXXX XXXX was a party to this criminal fraud, I do not believe they should be allowed to collect on this {$1600.00} deposit. Further, as the job was not completed as one residence was not packed, the motorcycle was not packed, my items are stranded currently in a storage unit in XXXX XXXX, and they are being threatened to be auctioned off ; in no way, shape or form has the job been completed as described and it is very likely criminal in several aspects. As such, I do not believe XXXX XXXX should be allowed to charge me {$1600.00}. I ask the Consumer Protection Financial Bureau to mandate Discover to complete a more thorough, fair, and proper investigation, for the CFPB to inform them that when criminal fraud is perpetrated in conjunction to a credit card transaction, that it invalidates the charge. I thank you for your time and attention in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Im filing this dispute on regards of the incorrect personal information that appears to to be reporting to these credit bureaus causing them to fail to provide 100 % accuracy across the boards. Ive tried to dispute many times yet no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/17 I was contacted by XXXX XXXX, stating that their client XXXX XXXX bought old debt from Commenity Bank, I they were serving me as they spoke to me extremely aggressively to say they will fight in court and serve my employer for wage garnishment, which made me reactive because Im in XXXX. Thus debt they said was very old, but would not share anything else. They also somehow got my daughter XXXX number and called it yesterday knowing they had mine to say they were looking to teach me. This was an elaborate scheme. I called Commenity a Bank yesterday as well and they went back nearly 20 years in the Recovery dept, and have no charge offs or anything negative on my file-No unpaid debt. This company would not substantiate anything and made me feel pressured to sign Now to settle debt at {$1100.00} I quickly called XXXX XXXX Bank where I the payment from and put a stop on it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I attempted to make a purchase on XX/XX/XXXX with my credit building card. It was declined and I used a different bank account. A few hours later the transaction was on hold. The funds of {$74.00} were moved from my account as well as the pending transaction. I was not given my money back. Chime has it, and has made me file a dispute, that will expire in XXXX. They are not sure if the funds are eligible to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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:
I noticed that my credit reports are reflecting a late payment on my XXXX XXXX XXXX XXXX account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
On XX/XX/2023, my wallet was lost with my credit cards, ID and other personal information inside of it. I was not aware my wallet was gone until the next day when I noticed fraudulent charges on my card. I immediately contacted my bank to report the card stolen and the charges as fraudulent. They were very helpful at first and told me outright I would not be responsible for any charges that were made on the card that I did not approve of. There were 4 charges in total that I reported as fraudulent. The issue I am having now is they are refusing to credit one of the charges back to me. The information for this charge is below : Merchant Name : XXXX XXXX Amount ; {$710.00} Date of Transaction : XX/XX/ Reason : You received a benefit from this Transaction I received a letter from Chase on XX/XX/XXXX that I was not responsible for the charges made on the evening of XX/XX/XXXX when my card was first lost, but that I would be responsible for this charge of {$710.00} on XX/XX/XXXX. I have XXXX this company and it is not even located in America, it is located in XXXX XXXX, a place I have never traveled to. This letter was sent to me late on Friday evening and conveniently my banks ' fraud department was closed over the weekend. On the morning of XX/XX/XXXX, I contacted my bank to understand why I am being told I am responsible for this charge. I spoke with representative XXXX, and asked her to explain this reasoning to me. She said she was not sure because the receipt she has from the transaction is in XXXX. She could not provide to me any information on what " benefit '' I received from this transaction, or what the purchase was even for. She could not even read the receipt to me because it was all in XXXX. She also could not explain to me why they agree that my card was lost on the XXXX but I am being told to pay for charges on the XXXX. In addition to filing this complaint, I have provided Chase with my work schedule showing I was in the country on XX/XX/XXXX and XXXX, and that I was never in XXXX, XXXX. I have also uploaded my work schedule below. I have also filed a police report for fraud with my local precinct and plan to file a complaint with the FDIC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
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:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy ofANYoriginaldocumentation ( aconsumercontractwithmysignatureonit ) asrequiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent dispute letters to XXXX, Trans Union and XXXX on XX/XX/ for validation. I also dispute with these companies online directly. These companies violated federal law 15 USC 1681 ( A ) ( 2 ) ( i ), 15 USC 1666 ( B ) and 15 USC 1692 ( G ). I also requested that these abusive, deceptive and unfair debt collections, charge offs and late payments are removed 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 non-monetary relief