BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name XXXX XXXXXXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. This has been a ongoing issue since 2020. Despite the attempts they have still 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my 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 non-monetary relief
Consumer complaint received 2017-05-12
Company: U.S. BANCORP
State: OH
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 have received MANY credit card offers over the years from  US BAN K and never accepted them. In  XXXX  of   XXXX  , I got an offer for our business with a cash back bonus o f $ 500.if you s pend {$4500.00}. within the first 150 days. I applied and got accepted. By the time I got my  XXXX  statement, I had already spent {$4900.00}. At the beginning of  XXXX , I called because I had not seen my bonus yet. The person I spoke to  at US  BANK looked over my account and did n't understand why I did n't get it either and she said she will send my complaint t o one of their  departments and have someone get back to me.   Today (  XXXX   XXXX ,   XXXX   ) I received a letter in the mail stating that I do n't qualify for the cash back bonus because the charges needed to be done by the Authorized Officer only and not by any Authorized Employees.. I got out ALL of my paperwork and the original offer they sent and I do not see anywhere in this paperwork where it says that I had to make all the purchases. I have had and used numerous offers over the years with different banks and this is the FIRST time that I have ever had something like this happen. To me, this is FRAUDULENT advertising and it does n't look like there is anything I can do about it.

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: Experian Information Solutions Inc.
State: KY
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 writing this complaint with the help of the Consumer Financial Protection Bureau ( CFPB ) to dispute some fraudulent items I discovered on my Credit Report. After reviewing my records, I came across several accounts and information that I don't recognize and believe are not mine. While I'm not sure if this amounts to identity theft, I think it's important to address these discrepancies promptly to ensure the accuracy and honesty of my credit profile. I kindly request the assistance of the Credit Bureaus in investigating and removing the following unauthorized accounts and information from my credit file : 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$13000.00} 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. I want to assure the Credit Bureaus that I didn't open these accounts or give anyone permission to do so on my behalf. As far as I understand, according to section 605b of the Fair Credit Reporting Act ( FCRA ), it is the legal responsibility of the Credit Bureaus to promptly remove any unauthorized and unfamiliar accounts and information from my credit file.

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 2023-01-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a Best Buy card through Citi bank. A few months ago, I paid the full balance off and requested to close the account. I thought the account was closed, but suddenly I have a $ XXXX balance from their annual fees and late fees. They sent my account to collections and it is negatively effecting my credit score. 

Ive tried calling them multiple times at ( XXXX ) XXXX, but when I request to talk to a representative, their system hangs up. I am unable to access my account online. 

I need them to close the account as I requested back when the account was at a XXXX balance and take off their false reporting to the credit bureaus. None of these fees would have even be the had they closed the account when I requested them to.

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 got account an inquiries that are inaccurate and need to be removed from my report 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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear Credit Bureau, I am writing to dispute a false collection account XXXX XXXX XXXX XXXX # ( XXXX ) that is currently appearing on my credit report. This account has been inaccurately reported and I am requesting that it be removed immediately. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that all information appearing on a credit report be accurate and up-to-date. Furthermore, the FCRA requires that all disputes be investigated within 30 days. 

Additionally, I have been having an issue with the manner in which your collection agency has been attempting to collect the debt. Your representatives have been constantly harassing me for payment. Calling me during work hours and late at night, and I feel that I am being treated unfairly. This behavior is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that you immediately remove this collection from my credit report, as well as cease any further attempts to collect the debt. 

Please contact me within 30 days to confirm that this matter has been taken care of. 

Sincerely, 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 2023-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I play the online casino games, I recently won {$9700.00}. They sent me a check drawn on XXXX XXXX XXXX. I deposited into citizens bank and teller said it will be available the next day, I checked my account ant it was available, I played {$200.00} worth of casino games, then citizens bank took the {$9500.00} back and put it on hold. They keep giving me dates to be released, and still my money is on hold.. they charged me for using the {$200.00} that was mines, and put the rest on hold.. can they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sir or XXXX, A solar company named XXXX XXXX XXXX with XXXX XXXX XXXX committed fraud and left us with incomplete systems that are inoperable or seriously under performing on what was promised and contracted. XXXX XXXX filed for XXXX in XXXX now XXXX XXXXXXXX XXXX was acquired by Fifth Third Bank on XXXX XX/XX/2023. The system contracted was supposed to be net XXXX for my property and receive credits from the electric company. My last electric bill was {$180.00}. Now we are stuck with systems with no warranty, no XXXX service, and monitoring. We all have loans exceeding $ XXXX and monthly electric bills that have not changed since installed. My electric bills for the last year are almost exact to what they were prior to having solar installed. XXXX XXXX still owes me four SMMS boxes, blow-in insulation for two attics, and compensation for an employee falling through my ceiling destroying my foyer and living room. We are now forced to keep paying a 20-30 year loan and monthly electric bill, file XXXX, or destroy our credit. It is currently effecting up to XXXX customers across 20 states. I filed complaints with the State AG, Congressmen, and Senators. 

XXXX continues to call and tell customers to have XXXX XXXX XXXX fix the system which is impossible. Solar companies do not want to touch these systems do to the XXXX, poor installation, and faulty equipment. We were told with the solar tax break we would receive XXXX rebate to put towards the loan. This was a absolute lie and now raised the monthly payment from {$290.00} to {$930.00}. XXXX stated they will not come and remove the faulty equipment from our properties. 


If you and the credit agencies could look into this, and prevent it from happening to great Americans in the future it would be appreciated. 

Thank you for your time. If you need any more information I can be reached at ( XXXX ) XXXX, or XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting to EWS an account that doesn't belong to me. 

According to report, it was opened on XX/XX/2022 & closed a day later on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One failed to provide me documentary evidence requested ( 15 U.S. Code 44 ) and 15 U.S Code 1666b ( 2 ) regarding a billing error dispute. They were sent a billing error dispute on XX/XX/2023. They did not respond with requested info. I sent them another letter regarding a intent to arbitrate letter and they did not comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today, XX/XX/2023, after receiving a call from American Express this week and a letter last night regarding an application for an AMEX, I called AMEX and told them I had not applied for any card. This was not me. I thought the phone call I received earlier this week was bogus, but when I received a letter from AMEX, I was very concerned that someone was using my identity fraudulently. I spoke to XXXX and another man at AMEX who put FRAUD on the application and escalated the issue to the High Risk team, then I called XXXX to let them know to remove the inquiry from my credit report due to the above. XXXX 's rep told me to file a complaint here, and so I am. Thank you for all your help and for reporting this to the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Amsher Collection Services, 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 status incorrect

Complaint:
Used to work forXXXX XXXX XXXX XXXX XXXX for XXXX. Was convinced to switch told service would work at my house and if it did not that I would not be charged cancellation fees or any other things. So I switched back about XXXX of 2018 Service did not work at my house so I canceled, payed and closed the account. Went to buy a car today and saw that I had a {$560.00} collection from XXXX. Was never notified of any debt or received any telecommunication mail or other communication types. As soon as I was aware of the debt I paid it ( today ) XXXX-18 confirmation # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: NV
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Apple goldman sachs froze my savings account and my apple credit card w out any explanation as to why or for how long this will be for reading online this is a common complaint causing difficulty to pay my bulls without access to my funds they have not provided me a process as to file a complAint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have  a Macy 's store  credit card provided by Citibank. I used the card i  n  XXXX  2016, a  nd paid off the balance in full. Several months later, I received an email that a statement was available online. When I checked the statement, I saw that I had {$6.00} in " minimum interest '' charged on an account with  XXXX  balance. I was also informed that my account was several months past-due for this interest charge. I figured this was my mistake, so I paid the {$6.00}. Last week, I checked my account again and found there was an additional {$2.00} in " minimum interest '' charges. I know it 's a small amount of money, but it 's ridiculous that I am being charged interest on a card that I have not carried a balance on in almost a year. I have closed my account with them, but did not pay the {$2.00} charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
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:
XXXX reported incorrect information to the credit bureau experien. 

It shows a balance of XXXX $ in XXXX and it shows the month of XXXX installment was paid. 

My next payment is scheduled XX/XX/XXXX. But its reported that XXXX is paid for in my credit report payment history. 

My Balance history for XXXX says XXXX $ and does not have a balance history for XXXX. Yet when XXXX reported my Balance in XXXX it shows XXXX $ in debt. 

It shows that the original balance is less then XXXX $ and specifically states it will not affect fico XXXX 

My fico XXXX score went down due to their reporting nothing has changed on my report for month and my score had stayed the same prior to XXXX reporting a XXXX $ debt. It shows the status of my XXXX account as good standing. 

There is inaccurate and inappropriate reporting going on between XXXX and Experian.

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 2023-03-08
Company: EQUIFAX, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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