BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$640.00}

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Recently checked update dreary on transunion and information still appears of which all have passed the legal time to appear on the report ( NYS fair credit reporting act )

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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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 TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 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 accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$480.00} Inquiries : XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 to express my serious concern regarding the unresolved issue of information resulting from an alleged identity theft on my credit file. It has come to my attention that you are currently in violation of the provisions outlined in 15 U.S. Code 1681c-2, which mandates the blocking of such information within four business days of receipt of the consumer 's request.

To my dismay, it has been well over 30 days since my initial request for the blocking of the disputed information, and no action has been taken to address this matter. As a victim of identity theft, I assert my rights under the aforementioned law and demand the immediate deletion of the following accounts from my consumer report : Under 15 U.S. Code 1681b, it is clearly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I want to emphasize that I have never provided any consumer reporting agency with written consent to report any information on my consumer report, as doing so would be a violation of my rights as a federally protected consumer. Any reporting done without my explicit written consent is an act of identity theft.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Recently checked update dreary on transunion and information still appears of which all have passed the legal time to appear on the report ( NYS fair credit reporting act )

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
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  Need to be reflected as paid in full and deleted from my account. Company aggred to refelct paid in full no late payments and deleted from account.

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 2022-11-02
Company: Bonneville Billing and Collections
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am receiving phone calls of harassment, profane, abusive, and vulgar language, threats of jail, prison, XXXX, and XXXX from Bonneville Collections Representatives in regards to a debt collection account thats a fraudulent debt collection account, not my debt collection account, and is the result of identity theft. The debt collection account is fraudulent and from the result of identity theft. Bonneville Collections is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 10 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: MN
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:
I was first notified on XX/XX/23 through XXXX emails that an account was opened with Chase and a credit card was approved in my name. I have never banked with Chase in the past. I attempted to file with the FTC and have not heard back. Now on XX/XX/23 I have received XXXX more emails from Chase that the mobile app and XXXX XXXX were approved for the digital wallet that I do not use and do not have an app for. It also verified the receipt of the card ending in XXXX. Again, I have never used Chase for banking and do not have a credit card through Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX XXXX / Barclays Incompetent, unprofessional, uncaring, unprepared, arrogant, Just can't be summed up with one word. They cashed a large payment ( {$28000.00} card is used for personal and business ) on XXXX payment was due on XXXX they have no idea where it was posted to, and are telling me it could take up to XXXX billing cycles ( 60 days ) to find out, really. In the meantime, unless I were to send them more money my card is dead. We sent them a copy front and back of the check showing they deposited it on XXXX. They are to stupid, aloof, and arrogant to be able to figure it out, could care less that I have that card tied to several repetitive payments. One would think there might be XXXX person with some business acumen in this company of elitists and would say, Yes XXXX XXXX we can see where we cashed your check and we will honor all charges until we get to the bottom of this issue, Noooooooooo instead I get a run around from a bunch of robots. I asked for a manager instead I got a series of mindless robots and was told the " manager '' was in meetings, sure he was. We do pay {$500.00} per year for what???! As soon as I get my money back this card will be cut up into very small pieces, and a giant XXXX to Barclays.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: MN
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:
Delete these hard inquires in such an action of a complaint will be filed with identitytheft.gov. 
Also an improper use of my credit report and violates my right to consumer privacy/company used improperly by law. Unauthorized hard inquires/did not submit nor authorize applications for such credit as follows. 

XXXX XXXX XX/XX/XXXXXXXX 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 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i attempted to make a purchase at XXXX XXXX  store and credit card for the store would not process the purchase. Tried twice by inserting my social security number and the system indicated DENIED. The store clerk recommended contacting the bank ( XXXX XXXX XXXX  ). I contacted the bank and they requested that I reapply for the credit card. I decided not to and applied for a credit card at my Credit UNION. That is when I found out I had a {$6000.00} overdue bill delinquent, which affected my credit score ( experian ). The bank has reduced our balance to XXXX  balance but our Credit Score has not been adjusted as far as I know. It appears a crime has been committed and although we may be able to resolve the issue as far as our credit score but someone should be charged with the crime and make restitution to us and the citizens of 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 2021-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had to cancel my card due to theft of card number, break in on computer. Chase said it would send a new card. I told them to send it to my XXXX address because I was NOT in XXXX XXXX. They said yes, confirmed the address and sent it to XXXX XXXX anyway. I took XXXX days to go to the wrong address. 
Now I have to pay {$5.00} to have them re sent it to the correct XXXX address. While waiting for the card I have NO way to order food or anything else. I am OUT of food and no card yet. I am beyond upset and need a way to fix this. I don't want it to ever happen again. I DO NOT have a car and have to order online!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Raising complaint to find out if I am eligible for any benefits as part of Wellsfargo consumer privacy suite settlement

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 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items immediately. 
XXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off {$6700.00} XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXXXXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXXXXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/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 2021-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I accidentally overpaid two of my credit cards with Bank of America. For about 100 to 150 Dollars each. I request the money to be transferred bank to my checking account and the answer was that will take 3 to 6 business days. I understand that is a the regulation. My complaint is why is this long time needed to do so. Banks take seconds in accept your payments but days in return back if goes wrong? I consider this a very unfair situation. Please reply giving me a better understanding of why is this.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. 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. 

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 non-monetary relief
Consumer complaint received 2022-11-02
Company: GOLDMAN SACHS BANK USA
State: CA
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/2022, I took my partner out to dinner at XXXX! restaurant. After we were seated we waited over 15 minutes for a waiter to come over to take our order. We were told by another waiter that the person in-charge of our section was busy but would be over soon. After waiting about 5 more minutes, we decided we would place an order on the website to take home instead. When we were placing the order, the time of pick up was estimated to be about 15 minutes. When we clicked place order and our order was confirmed by the restaurant, our pickup time changed to 1 hour and 20 minutes later. We decided to wave over the nearby waiter and explained the situation and asked for the order to be cancelled and my money refunded. I was assured that they would cancel my order and I would get a refund in 5-7 business days. I didn't feel assured by the waiter saying that so I contacted Apple Card by Goldman Sachs within 20 minutes of the transaction posting and was told I could file a dispute once the charge cleared but they would let me file a dispute that would go through once the charge cleared. My statement above was included in the dispute. I was informed on XX/XX/XXXX that my dispute was denied. I appealed that response with XXXX the XXXX, who allowed me to attach my XXXX statement and call logs to the restaurant to the dispute. I was told I would get another response in 90 days. In XX/XX/2022, I received a balance reversal and contacted Apple Card again and was informed that my dispute was denied again and they would not allow me to submit further disputes and there was nothing they could do. This is unacceptable since I essentially was stolen from when I paid for a service that I did not receive.

Company response to consumer: Closed with monetary relief