BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX Currently have some Fruad accounts and inquiries appearing on all three credit reports I have attached supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I created a Savings account XX/XX/2022 with Ally Bank, and submitted a deposit of {$400.00}, which was immediately withdrawn from my depositing account. At the time of the creation of the account, I was able to register for Online access, but was unable to access the online platform. I have been continuously unable to login to access my account or funds. On XX/XX/XXXX, I tried messaging customer support on their Website, and received no response. On XX/XX/XXXX, I called the company and asked for help, to which they told me a support ticket would be opened, and Id be contacted shortly. It never happened. Ive been unable to access my money for almost a month.

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 2022-10-09
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt collection company is not licensed to collect debts in the state that I live in. I have received an overwhelming number of calls to the point of harassment. I want this debt to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX 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 2022-04-07
Company: JPMORGAN CHASE & CO.
State: PA
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 was told on XX/XX/2022 that if I were to put $ XXXX on my Chase Credit Card, I would qualify with a promotion with XXXX XXXX. I then went ahead and put $ XXXX on my credit card, only to receive a letter stating I was " miss informed ''. I am not sure how this does not constitute as some kind of fraud. I would never have put $ XXXX on this credit card without a Chase customer service rep telling me I would qualify for the promotion if I did. 

I just think other consumers need to made aware that Chase is promising to honor something if you charge on their credit card, only to tell consumers that they were miss informed. Now they are earning interest on my purchases, they would not have earned other wise. 

I have attached the letter to this email for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2019, at about XXXX PM EST, my brother XXXX called in to discuss possibly making a minimum payment on my XXXX XXXX Credit Card account. XXXX spoke with a XXXX whom shared : my due date, the fact that my account is an interest baring account, and my total account balance of {$1000.00} with my brother whom IS NOT authorized on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX  and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting the last reported date as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting it as XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. XXXX  is reporting High credit as {$800.00}, XXXX is reporting {$0.00}, and Equifax is reporting {$740.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my 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 explanation
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 don't comprehend why I have to repeatedly file complaints regarding an issue that KOHLS/CAPITAL ONE XXXX XXXX XXXXhey would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. KOHLS/CAPITAL ONE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express ( Amex ) terminated all my credit card accounts on XX/XX/20 and XX/XX/20 stating that the accounts " have been identified as not being used for the intended purpose ''. 

Amex did not provide any specific reason for their unilateral closure. They did not specify what, if any, violation of the terms and conditions in the card member agreement occurred. 

Amex is in their right to not want me as their customer. What is not in their right is to not refund the annual and membership fees totaling roughly {$3000.00} that were charged on my active cards. 

For example, they charged {$550.00} for an Amex Platinum card just 11 days before being terminated. How is it admissible to charge an annual fee and then only provide 11 days of subsequent use of the card? 

Noting that the cardmember agreement is not law and will never supersede any law, if my accounts are to be cancelled then American Express must provide a full refund of all annual fees of the previously open accounts as I ultimately paid for a credit card service/product that can not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019 I received an email from Navient stating that my account was past due by {$750.00}. I called XX/XX/2019 and the Customer Service Agent informed me that when I paid a payment in the amount of {$150.00} on  XX/XX/2019 to have my private loans placed in a three month forbearance, the agent during that call did not read all of the proper terms of agreement to place my loans in forbearance. During my XX/XX/2019 phone call, the agent proceeded to read the correct terms of agreements for forbearance to me and stated they would use a XX/XX/2019 payment to cover my forbearance payment to placed until payments resume in XXXX. She asked if I was okay with these terms, I stated no because I had my bank statement to prove that I made a payment XX/XX/2019. She then stated there was not a payment for that date and they could not find it. I later called back to speak to another agent, that is when I was informed that my {$150.00} payment on XX/XX/2019 was applied for XX/XX/2019 without my permission. As this should of been applied to XXXX 's payment. I had previously paid a {$150.00} XX/XX/2019 to place my private loans in a three month forbearance that would of covered XXXX, there would have been no need to apply the XXXX payment to the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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:
Hi, My name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are stopping me from buying a home. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit 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:
Received a promotional offer to upgrade my XXXX American Express card ; my current card offered a voucher to redeem a hotel room worth up to XXXX points. The promotional offer increased my annual fee considerably, but gave me a voucher worth XXXX points ( better hotels available ). However, the company only gave me a voucher worth XXXX points ( not much different from what I already had ). I complained and had forwarded the original email to them/ posted the PDF on their website so they could fix, but they refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 information incorrect

Complaint:
USAA has been reporting a fraudulent account on my credit profile for 7 years as a charge off. Theyve been supplied with a police report, as well as an identity theft report and the information has not been removed. They are also in violation of the reporting term. For any closed delinquent account of 7 years it should automatically be removed from your credit report, and is still reporting on mine. This account is also a charge which means they received a tax credit from the IRS on the account with form 1099 C and the account balance should be XXXX. They are no longer legally able to collect on this account. 

XXXX XXXX is reporting a charge off with a balance of {$7000.00}. This is incorrect the balance is XXXX  as the account has been accommodated for by the IRS via a 1099 form. This account has also been paid in full since XX/XX/2022 and was overpaid so a check was sent out for {$30.00}. Theres been no late payments on this account and the balance is XXXX. 

XXXX XXXX payment history is incorrect and no later payments have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: AL
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:
In XXXX of 2020, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX XXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/2022 I attempted to deposit a check via the Bank of America mobile app and the process failed. I called in to Bank of America customer service and spoke to XXXX XXXX with B of A. XXXX requested that I try the deposit a second time and that there would be no issues and that the hold would not go beyond XXXX  XXXX the XXXX. This was not accurate and the B of A representative lied regarding the downstream implications of trying the deposit a second time. The check/funds are now on a 7 business day hold until Friday XX/XX/2022. You might at this point say who cares, right? Incorrect! I pulled this money out of my 401k with XXXX to cover rent, requested it be sent overnight via XXXX to avoid eviction. Now as a result of XXXX 's false, misleading and incorrect information how to proceed I will be evicted this week. I get it that the working class poor are not priority 1 for B of A but when you put a hold on a {$2500.00} check for 7 business days believe it or not the poor have consequences. I will find some place to live but not sure when I will see my kids again as a result!

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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