BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states, that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days ; these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-16
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
the following accounts are reported on my credit report without any authorization, it is hurting me XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SUNTRUST BK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft FXXXX Account Number : XXXX This is not mine.

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 2023-05-12
Company: I.C. System, Inc.
State: LA
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:
my twin sister opened this account up in my name with my ID. This account is not mine. I have vehicles with other places. Ive filed a police report in regards to this matter and ive eve tried calling the dealership requesting footage

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 2021-10-01
Company: ACI Worldwide, Corp.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
ACI FAILED TO REFUND 3 FRAUD INDUCED TRANSFERS XXXX IS DENYING CLAIM FOR {$2300.00}. THEY ARE VIOLATING THE DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I Have The right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : 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
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX Account number 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 A Section 604 A Section 2, also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: GA
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 balance transfer

Complaint:
I've always paid off my balances in full with Citicard. I hardly carried any balances on my card or any other credit cards. I received offers for a 0 % balance transfer rate through Citi bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate ( 0 % ) payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX Sheriff Department Case # XXXX ), I took the offer, thereby utilizing my credit lines with Citi. It was then surprising to receive a letter indicating that my credit line was being reduced because I had over extended my credit and that my payments were low on the account. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the 0 % offer extended through later in 2022. I am requesting Citi to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions ( attached ) is the reason I took the advance, understanding the time value of money. I called the number on the back of my card as well as XXXX where I was met by a very rude representative. I encourage Citi to listen to the recording. Please see attached offers and letter received indicating a reduction in credit lines.

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 2023-03-25
Company: Experian Information Solutions Inc.
State: NV
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:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful reporting to the credit bureau. I recently discovered that the company has reported negative information on my credit report, which has affected my credit score. However, I have no prior knowledge of this account, and the company has never contacted me regarding any alleged debts. 
When I contacted them at ( XXXX ) XXXX to inquire about the account, they did not have any record of me or the alleged debt. This raises serious concerns about the accuracy and legitimacy of the information they reported to the credit bureau. It is extremely alarming to me that a company can report negative information on my credit report without even attempting to contact me first. 
I am deeply troubled by this situation, as it has caused significant harm to my credit score, and therefore my financial well-being. I believe that XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX and XXXX XXXX XXXX is held accountable for their wrongful reporting practices. I request that you take all necessary steps to rectify this issue and remove any negative information from my credit report that has been reported without my knowledge or consent. 
Thank you for your attention to this matter. I look forward to hearing back from you regarding the progress of this case.

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 2021-06-14
Company: OneMain Finance Corporation
State: NY
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 do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
Ona Main Financials : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Capital one preapproved me for a credit card stating that all I had to pay was {$49.00} and they would give me a {$200.00} credit line. I agreed and I received correspondence via email stating that they are requesting a copy of my drivers license and Social Security card but I received an email stating the credit card was declined, even after sending proper documentation which I am going to be in closing in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Was not notified of investigation status or results

Complaint:
Hello, I am having an issue with all 3 credit bureaus NOT investigating my accounts. Even if I send certified they may not even respond. I sent VERY SPECIFIC letters to the credit bureaus and they have not responded to ANY OF MY REQUESTS. No updates no letters no mail no anything. Please MAKE them investigate so that I can move forward with my life. I will include the letters I sent ... thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2021-08-11
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 Aragon agency sent me papers after I made one dispute with the XXXX. It is an account with a balance of {$7400.00} that they reported to my credit. The signature page shows the signer was the patients father and not me. I called Aragon agency and advised them of this and they still refused to remove it from my credit. They still said basically Im the responsible party when the signature is clearly not mine.

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 2023-06-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX XXXX On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT XXXX XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, TransUnion, XXXX  and XXXX  stated that a third party agency XXXX XXXX is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/XXXX # XXXX Bankruptcy XX/XX/XXXX # XXXX! I also have accounts that are inaccurate that are reporting 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
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
1. I had a XXXX account and decided to add XXXX onto that through XXXX. I ended up cancelling my XXXX and received an email from XXXX stating that, since the accounts were connected, that account was also canceled. They continued to charge me. 
2. I tried to resolve it through XXXX but didn't have the 1 piece of identification they required to prove my identity so they wouldn't help me. 
3. I filed a dispute with Capital One. 
4. The initially refunded my stolen money but later reversed it for, what they claimed was a lack of response on my part. I attached emails proving that wasn't true. 
5. When I called to refile it the customer service person with Capital One was getting the few disputes I had confused so I asked to speak to their manager. 
6. That manager told me several lies including the fact that I only had a few month window to file a complaint per the terms of service. 
7. I filed a formal compaint with Capital One with both their poor service, their denying my dispute for my lack of response when I actually had responded, and for them lying to me multiple times. The call was recorded so it'll be easy to hear all their different lies. 
8. The money was returned to me and then later taken back out of my account when they denied it a second time. 
9. Miraculously XXXX stopped charging me but never refunded the money they stole. 
10. The compaint I filed with Capital One was never followed up on with me after I tried reaching back out severa times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: AMERICAN EXPRESS COMPANY
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:
I want to open a complaint against American Express for breach of contract. 
American Express allows customers as it is advertised, to transfer American Express points to a number of other airline partners ; XXXX of these partners is XXXX XXXX XXXX ( XXXX ). However, I have been denied the ability to enjoy this benefit because I was given XXXX last names at birth as a XXXX XXXX  descendant. I believe this constitutes a type of discrimination against minority communities. 

Both companies Amex and XXXX have confirmed that a total of XXXX transactions were attempted to transfer from American Express to XXXX for XXXX miles ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to XXXX the registered name that American Express showed is XXXX as the last name and XXXX as the first name when the transfer is initiated. In this sense, I have provided American Express with my full name as it appears on my passport, however, according to XXXX whenever a transfer of points is initiated Amex only send to them " XXXX XXXX '' causing XXXX system to reject the transaction due to name mismatch. 

My full given name is " XXXX XXXX '' and XXXX last name " XXXX XXXX ''. Despite trying to work with Amex to fix this situation they have been unable to offer XXXX. I have not been able to use my Amex points with XXXX to buy my airline ticket, excluding me from using their service, on the other hand, other customers don't have this issue. 

I don't understand why Amex systems when a points transfer is initiated is not sending to the airline partner my full XXXX last names " XXXX XXXX '' as it should be and choose to assign me only XXXX last name. 

In this sense, the only solution I can think of is to buy the airline ticket using cash, however, I believe Amex should accept the responsibility that their inability to offer a solution is what caused me to pay cash for this ticket when I would have used my points like all other customers have the opportunity to do as long as you are given XXXX last name at birth, in this sense, this constitutes financial damage.

Company response to consumer: Closed with non-monetary relief