BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have customized cash rewards credit card with Bank of America. My statement cycle ends on XXXX of every month. 

I made a purchase with my credit card on XXXX XX/XX/2022, at XXXX. In the statement I received on XXXX XX/XX/2022. I was charged interest. 

I reached out to Bank of America credit card customer service. They didn't provide me proper information on why I was charged interest. That too before the statement closing date. Also rudely disconnected my call on XXXX XX/XX/2022 when I asked them information on how the interest was calculated. They failed to provide the information.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: SC
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. 


XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX US DEPT OF EDXXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2023-03-10
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account I believe that these accounts have been inaccurately reported to the credit bureaus, and I am requesting that they be removed from my credit report.

According to the Fair Credit Reporting Act, credit reporting agencies must investigate disputed items on a credit report within 30 days of receiving a dispute. I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate or incomplete. 

I would also like to request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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 2022-11-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2008 in accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: TX
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: KS
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 told them that I need them to fixes both of one Is credit bureau reports & I need to fixes XXXX XXXX and XXXX XXXX credit bureaus reports & XXXX XXXX back ground record to they didn't listen to what I said to them on the telephone calls so I don't no what to do went they didn't listen to me about what I said to them on the telephone that's why I'm struggling right now because they didn't listen to me about what I said to them on the telephone call about fixes. XXXX XXXX and XXXX XXXX credit bureaus reports And XXXX XXXX back ground record

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 2019-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX-XX/XX/2019 I attempted to activate a Capital One credit card that was offered to me via regular mail. When I called the number to activate the link did not work. I called the number at XXXX to activate card only to be told I was speaking to the fraud department. They requested my full social security number and photo copy also, a copy of my Ohio driver 's license front and back, and after all of that, called at XXXX XXXX, XX/XX/2019 requesting a copy of a utility bill for proof of residence which I refused to do. I have credit monitoring which currently shows no suspicious activity related to my private affairs. I now feel this might have been some type of scam and I am very worried. Why would they offer me a card, only to request information that they should already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My SSN # XXXX. Address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. On XX/XX/XXXX, I was on line looking for student loan forgiveness. I have been a XXXX for XXXX yrs and lost my 2nd job due to covid on XX/XX/XXXX. I have had XXXX  twice and was in recovery. Student loan company were calling me about my debt. I could not afford to make the payments. Like I said I was looking for forgiveness, since they have that available for teachers after XXXX yrs of service. I called True Solutions and spoke to XXXX. He said they could guarantee complete forgiveness of all my student loans. It is for nurses. If I pay XXXX dollars a month for XXXX they will forgive my loan of XXXX. I ask how can I be sure it is legal, he said the calls will stop and you can call your student loan company and they will tell you don't owe money. When I called that is exactly what they said. I didn't know it was just a deferment. I started questioning it after making payments to them when I looked at my credit report and found they had been grayed out of my credit report. I tried several times to call them but no response. I kept getting letters in the mail for a bill with XXXX XXXX XXXX asking for money. They said they are the finance company for True Solutions. I told them I did not believe the company was legal and I'm not pay any more payments until I speak to True Solutions. XXXX XXXX continued to notify my credit report for delinquent payments. A month ago I was on line and saw where there was a class action suite for people like me who were scammed by companies like mine promising the same thing loan forgiveness. The law suite was for people from XXXX, and they were awarded money. What I don't understand if these companies were under investigation why were they still allowed to continue to scam people like me during a Pandemic? I've been trying for years to buy my own home but due to this situation my credit score is suffering. Why do these companies continue to stay open. What can I do to get justice for this?

Company response to consumer: Untimely response
Consumer complaint received 2022-04-20
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a cash app account and used my cash app card to pay for a purchase at XXXX XXXX XXXX on XX/XX/2022 in the amount of XXXX. XXXX XXXX XXXX processed the order and then cancelled the order with no explanation. They never took the money and it currently shows pending in my cash app count. Ive reached out to the XXXX customer service department and was told A refund can not be processed because the order was never generated and was immediately cancelled. Funds were not withdrawn. I was advised to contact Cash app support to remove the hold. I have contacted cash app customer support more than 10 times to remove the hold and each time they insist the hold cant be removed and the transaction has to be refund, even though Ive explained the situation that a pending transaction cant be refunded nor can a system generated cancellation. Cash app refuses to remove the hold and has since put my call information on a block list and refuse to assist in the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
After a divorce I am saddled with marital debt such as this card that is in my name only. In an effort to minimize the financial impact I asked Citi about options and they stated that I could negotiate a payoff amount. They were unwilling to offer me a payoff amount several months ago so I offered an amount. They rejected my offer and did not counter offer. The representative informed me that I could make another offer after 30 days. I made another offer after 30 days and it was similarly rejected. I was told I could wait another 30 days and submit another offer. During this time my account was closed without warning. This trickery has allowed Citi to continue to charge me obscene interest while I attempt to settle this account every 30 days. I may need to declare bankruptcy.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: SC
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. 
XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 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 2023-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has furnished inaccurate information on my credit report. I have not received the details of the investigative report with interviews from family and friends 15 USC 1681a ( e ). Information on my credit report must be 100 % accurate. Furnishing information that I have reported as inaccurate is willfully and knowingly doing so and violates FCRA requirements. Having inaccurate names and addresses puts me at risk for identity theft and financial harm. I did not give written consent to Equifax to furnish anything on my credit report 15 USC 1681 ( a ) ( 2 ). This is defaming me as my credit report represents my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have called XXXX many times in an attempt to rectify this issue. They are reporting late payments to the CRAs even though the terms were {$XXXX} for XXXX  months. The account was paid off before then. In fact XXXX shows XXXX derogatory months while trans union shows XXXX. The amount due was paid in a lump sum of {$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 2023-02-03
Company: JPMORGAN CHASE & CO.
State: ME
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:
Chase XXXX Department Submitted via Chase XXXX RE : Next steps on Chase dispute claim ID # XXXX XXXX XXXX XXXX XXXX my husband and I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TV from XXXX XXXX website ( order # XXXX ). 
On XXXX XXXX XXXX XXXX XXXX XXXX  delivered a XXXX TV. Within minutes of the team leaving, we realized that the wrong TV had been delivered. I contacted XXXX XXXX support who informed me that the correct TV would be delivered by XXXX XXXX and the wrong TV would be taken away. ( We do not own a vehicle large enough to bring the wrong TV back to the store and didnt want to do a return as we wanted the XXXX XXXX  pricing we got on the XXXX ). 
XX/XX/XXXX came and went, and no TV was delivered. 
I contacted XXXX XXXX support multiple times, informed them that the XXXX was not delivered and that I needed them to come get the XXXX. The support personnel confirmed multiple times that this would happen. Then they said that they had filled out a form, however, no contact was ever initiated by XXXX XXXX, nor did they make any attempt to remediate their mistake. 
I wrote to them on XX/XX/XXXX, informed them of the situation, and that I would be initiating a chargeback. XXXX XXXX support assured me that it would all be taken care of, and we did not hear back from XXXX XXXX via any form of contact after. 
We do not want the XXXX and have no way of getting it to a XXXX XXXX store. They need to deliver the correct item that we purchased and remove the large, wrong item. As is this purchase is not valid because the item is not as described. Please see below for screenshots from some of the many conversations weve had with XXXX XXXX. 
Best, XXXX XXXX Last XXXX digits of credit card XXXX Chase support denied our chargeback claim despite providing evidence that XXXX XXXX delivered the wrong TV, and that we have tried to remedy this with XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 looked at my reports and saw that XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account for some time and was able to get this account successfully disputed from XXXX in XXXX of 2022. On top of getting this account deleted I have also found that each bureau is reporting multiple inconsistencies concerning this account on my reports. If all three bureaus get their information from the same place then how are they all coming up with different information including multiple account numbers for the same account? Its obvious that my disputes are not being processed correctly and no proper investigation has been completed concerning this account. This account was also reinserted into my reports by XXXX back fin XXXX of 2022. Per the FCRA, I am to be notified by writing that an account will be reinserted on to my reports 5 days before it is reporting. I never received ANY type of communication stating as such. As a consumer I expect to that the credit bureaus will report accurate information on my reports and properly acknowledge my disputes but its concerning that they are all able to ignore the law and no action is being taken. I am demanding that this account Is deleted as they are not in compliance with reporting on this 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX I sent a letter to the credit agents requesting for them to update the inaccurate information on my credit report. They are reporting late payments on XXXX different accounts. I have not received any letter of method of verification. Due to these accounts were not update they violate FCRA, they are in violation of the law. 
These violations include but not limited to : 15 USC 1605 15 USC 8 15 USC 1692j I am frustrated because these accounts should be updated, and they are impacting my life.

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