BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
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:
XXXX XXXX XXXXXXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX cards is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX XXXX {$610.00} XXXX   XXXX {$1900.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$670.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX {$670.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX  XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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:
The creditor XXXX marked my report derogatory on XX/XX/XXXX over an misunderstanding account that i closed to switch service back in XX/XX/XXXX i made it abundantly clear to shut my service off XX/XX/XXXX and my service was still on even when i moved out until XX/XX/XXXX My account was charged and i paid it still and months later on XX/XX/XXXX they flagged my report for a {$62.00} payment charge off which i paid the same day The agreement was to remove the account once it was paid but it still shows on my report i tried numerous of times to dispute it and nothing was done

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: Experian Information Solutions 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: Personal information incorrect

Complaint:
After reviewing my credit report I noticed some inaccurate information on my credit profile.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: IL
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with 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 explanation
Consumer complaint received 2021-11-23
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: MO
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: AZ
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: U.S. BANCORP
State: AZ
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 have three credit cards with U.S. Bank that were paid in full and closed in early 2018. I then submitted a letter that I have a copy of because when I called and they have a record of my phone calls they said I had to submit the letter in writing which I do. I did not close the account and a relative who is deceased use the card I moved and by time I found out about it they said it was too late to dispute. Us bank promise me that they would remove it from my three credit reporting agencies they have not done that they have said very rude and remarks that are discriminating against me, they have provided wrong information as well and refused to correct 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 2023-08-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Commenity Bank contacted my brother on his cell phone who doesn't live with me and I have never disclosed his name or number before. They left a message on his phone as well which I have a screen shot of the transcript.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I DISPUTED THIS ACCOUNT FOR INACCURATE ACCOUNT. I GOT LETTERS SAYING THEY BEEN VERIFIED AND UPDATED BUT THE ACCOUNT IS STILL SHOWING THE SAME INACCURACIES. THEY ALSO DID NOT UPDATE THE DISPUTE STATUS ON MY CONSUMER REPORT IT SAY AND SAID ACCOUNT NOT DISPUTED. I DON'T KNOW HOW IF THEY SENT ME A LETTERS BACK AND I DISPUTED THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 requested a credit limit increase and was declined because a Capital One stated that they could not retrieve my credit report. That is not true. They just approved me for a card an hour prior.. and a car loan less than 30 days prior. Im on my credit report is not locked. I have checked with all three bureaus. In addition, you guys are the credit furniture.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to Resurgent Receivables LLC and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX Bank, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights. I have previously disputed the Resurgent Receivables LLC account information on my credit report with XXXX, XXXX and XXXX, but the information remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: DC
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 applied for a XXXX XXXX XXXX XXXX XXXX  ( through Chase ). The promotional offer I applied for listed XXXX miles and XXXX  'Premier Qualifying Points ' ( PQP ) after an initial spend on {$5000.00} in the first 3 months of card ownership. 

I completed this initial spend, and received the XXXX miles. However, I did not receive the PQP that were advertised. Currently the offer lists only the XXXX miles as part of the initial offer, but I applied on XX/XX/XXXX, before the offer expired on XX/XX/XXXX, so I believe I am still entitled to this benefit, and would like this to be applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions 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 am submitting my complain and asking for your help to investigate this matter. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
We purchased ski equipment rental from XXXX XXXX/XXXX XXXX XXXX on XX/XX/XXXX. We reserved the equipment to ski at XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX of CO closed all ski resorts to the public secondary to COVID 19. We canceled the ski trip secondary to the government restrictions. We attempted to get a refund with the merchant directly without success. We filed a dispute with the credit card on XX/XX/XXXX for the amount of {$460.00}. Case number : XXXX. I contacted Capital One on XX/XX/XXXX for an update on the dispute and was told on a recorded line that the merchant had not responded to the dispute. I called again on XX/XX/XXXX, after the 90-window established by the federal government, was over and again was told that the merchant had not responded to the dispute and to consider the dispute closed. Today, XX/XX/XXXX, over 120 days after filing the dispute, we were re-billed for the amount of {$460.00}. I contacted Capital One in regards to the re-bill. I was not provided a reason for the re-bill. Customer Service was not able to confirm that the merchant responded to the dispute after reviewing the dispute departments notes and instructed me that I would need to submit a request in writing to have the charges reversed. 
According to XXXX XXXX own dispute policy, if the merchant does not respond within 90 days, the case is considered closed. It has been 120 days since the dispute was filed. 
Second, the merchant communicates directly with the credit card company so how am I supposed to provide evidence that they did not respond other than the recorded conversation I have had with your customer service department? Lastly, I confirmed with Capital One on 2 separate occasions that no response was received from the merchant and the case was closed XXXX 90 days after the dispute was filed. I have closed the account with a balance of {$460.00}, the amount of the re-bill. 
This the second time that Capital One attempted to re-bill me outside of the 90 day window for a dispute. I filed another dispute in regard to the same trip- Case number XXXX. That dispute was filed on XX/XX/XXXX and was closed on XX/XX/XXXX. I called to confirm closure of the dispute in XXXX and confirmed that the dispute was closed by customer service. On XX/XX/XXXX, I was re-billed the amount of the dispute. I spoke to the customer service department at length on XX/XX/XXXX and after a lengthy hold time, was told that the re-bill was " an error '' and the charges were reversed. I received a letter on XX/XX/XXXX confirming that this was a billing error on Capital Ones part. This seems to be a pattern with Capital One in attempt to mitigate loss of revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I tried to access my account at Marcus.com -- an online bank operated by Goldman Sachs Bank USA -- that I opened more than two years ago. I could not proceed to access my account without inputting my occupation and salary information, which the website claimed is " legally required. '' I'm told after 40+ minutes with customer service that the requirement is mandated by federal law. I know of no federal law that requires a bank to obtain occupation and salary information after opening a savings account, and the representative was not able to provide support. Certainly there is nothing in the deposit account agreement that a customer has to provide -- or continuously update -- occupation and salary information. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation