BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: MO
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and 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

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 2023-09-08
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: MUFG AMERICAS HOLDINGS CORPORATION
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 is missing that should be on the report

Complaint:
I reported a case of fraud on my Union Bank credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a Union Bank investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. Union Bank should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at Union Bank. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from Union Bank, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. Union Bank has mishandled this entire matter from the beginning.

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 2021-07-17
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to say a simple clog cost over {$4000.00} in damage, their repair guys said it was the pipes and not the clog, XXXX XXXX is going after me anyway. Hunter Warfield bought my debt from XXXX XXXX and is now harassing me and ruining my credit trying to get as much money out of me as they can. No one is getting a dime from me, the debt is illegitimate, and Hunter Warfield needs to cancel it and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: OH
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:
These bureaus has over XXXX hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. XXXX will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Unable to use American Express gift card online, Card keeps declining even though it's active and the balance is available, I tried multiple gift cards between {$600.00} and {$1000.00} on major shopping websites like XXXX and XXXX. 
Every time I try make a purchase, the card declines, there's sometimes a 10 cent pending charge when I check the balance on XXXX 
I contacted American Express customer service but they are unhelpful as they keep telling me it's a merchant problem not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally raise my complaint regarding the inaccurate credit information present on my credit file. It is disconcerting to find that the following information has been included in my credit report. I strongly urge you to promptly verify the inaccuracy of this information and remove it from my profile due to the detrimental impact of such inaccuracies on my creditworthiness. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. These items contains inaccurate details : XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items from my credit profile ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Subject : Delay in Processing My Claim Claim XXXX Claim Type : Chase Trip Cancellation/Interruption Chase Card Last XXXX digits : XXXX I am writing to express my disappointment and frustration with the delay in processing my travel cancellation claim. 

I submitted a travel cancellation claim as a Chase Sapphire Reserve cardholder back in XX/XX/2023, and provided all the necessary documentation as per Chase Claim requirements. I have yet to receive any substantial communication from their end regarding the status of my claim. While I understand that processing times may vary, Its clear there was a lack of transparency and communication for this case. 

I have attempted to contact their customer service representatives on numerous occasions, only to be met with vague promises of " looking into the matter '' or " escalating the issue. '' I was hung up on several times. The examiner, XXXX, never called me back. My last round of calls ended up with no resolution. I was told by a CS representative overseas that they were awaiting documents from my doctor, which was already submitted more than 2 months ago. I was also informed that they needed a proof of the airlines credit, which we never received! An email proof was already submitted. 

I demand immediate action to rectify this situation. I expect a clear explanation for the delay in processing my claim and a firm commitment to expedite the resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: PNC Bank N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to express my deep concern and frustration regarding a fraudulent transaction that was made on my credit card. I am disappointed by the lack of security measures in place, as well as the inconvenience and financial burden this incident has caused. 

I discovered several unauthorized charges on my credit card statement. These charges total [ amount ]. To the best of my knowledge, I never made these transactions nor shared my credit card information with anyone. I immediately contacted your customer service hotline to report the issue and request assistance. 

This incident has shattered that trust and compromised my confidence in your ability to protect my sensitive data. 

I kindly request that the unauthorized charges be removed from my account and that a thorough investigation is conducted to identify the individuals responsible for this fraud. Additionally, I seek assurance that my personal information will be better safeguarded moving forward. I expect proper compensation for the inconvenience caused, including any financial penalties resulting from the fraudulent charges. 

I believe it is crucial for your company to implement stronger security measures to prevent future instances of credit card fraud. This should include better monitoring systems, enhanced fraud detection technology, and more proactive communication with customers when suspicious activities are detected. By taking these measures, you can restore customers ' faith in your services and ensure their financial safety. 

I anticipate your prompt action regarding this matter. I appreciate your attention to my complaint and expect a satisfactory resolution within [ reasonable timeframe, e.g., 14 days ]. 

Please reopen my complaint since your department referred me to the Office of the Comptroller of the Currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After I filed a complaint with you they continue to report it late, they are still reporting it late, I now have XXXX  negative reports for XXXX payment that wasn't late

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 2020-01-22
Company: EarnUp Inc.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was reported 30 days late for my XX/XX/XXXX monthly payment to the Credit Bureaus. My monthly payments are automatically taken out on a semi-monthly basis by a third party company now known as Earn Up. Our XX/XX/XXXX payment was withdrawn from our account on XX/XX/XXXX and XX/XX/XXXX.  However Earn Up had a problem and they were not able to forward our mortgage payment over to XXXX. Earn Up made no effort to contact me regarding the issues. I did not know that XXXX did not receive our XX/XX/XXXX payment until XX/XX/XXXX when we received a letter. 

I have made several calls to both Earn Up and XXXX to get this corrected. XXXX needs documentation from Earn Up stating it was an error on their end that our XX/XX/XXXX payment was not submitted until XX/XX/XXXX. I have called Earn Up on the following dates and each time they say they will be sending a letter to XXXX but they never have. 

XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up Earn Up never made an attempt to contact me to inform me that there was an issue with our XX/XX/XXXX payment. 

My issue is with Earn Up not XXXX It is not my fault that my XX/XX/XXXX payment was late and I'm paying the consequences for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX 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 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted an complaint through the CFPB on XXXX, XXXX, and TransUnion the complaint number is as followed : ( XXXX  XXXX   ), ( XXXX  XXXX ), ( TU XXXX ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories XXXX, XXXX, amd Transunion is allowing XXXX XXXX XXXX to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX 's and XXXX  and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX 's they ave the right to report anything concerning my payment history. I am going to provide everything from XXXX  that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. XXXX, XXXX, and TransUnion is defaming my character with Grantors of Credit by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. XXXX  has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau XXXX XXXX  XXXX XXXX needs to confirm with the Credit Bureau

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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
Company: CITIBANK, N.A.
State: ND
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up for a best buy CitiBank card around XX/XX/XXXX. The terms were not explained to me by the employee that had signed me up or an information packet and the employee unbeknownst to me at the time did not put in my address details completely correct. 

I was told my card would arrive in 7-10 days per an email directly from Citibank. I waited longer than this to contact them due to slow postal service times however I never received my card in the mail. 

I received a voicemail from Citi that my card had been returned because of an address issue ; when I contacted customer service I was told I would not be able to update my address to receive the card unless I was able to verify my account, however, to verify the account I would need the full account number, which I did not have since I did not have the physical card. I was told to wait a period of time ( a few hours ) and I would be called back, but never was. 

Next time I called I am unsure about ( a few times in XXXX ) but I was similarly told the same except I would receive a letter instead, but I would not get the letter since my address on the account was still not updated. After talking to another customer service agent, I was told my account would be placed on review/hold for XXXX days and to wait for notification from Citibank to be able to verify my account. I had never received text, email or voicemail regarding this after XXXX days. Last call XX/XX/XXXX I was told I would be contacted and would need to call back once that happened most likely within XXXX hours. This has still not happened. 

Similarly throughout this process, I am told I am unable to close the account according to customer service reps because I can not verify it. This means I can not even pay the account fee on the card itself, let alone use it. I also can not use the online portal due to not having the physical card ; I can not make an account without the full card number. I have been asked for exceedingly personal information about my account ( e.g my SSN ) so there is no reason I should need to further verify anything to simply change address or close the account outright that to this day has not been used and is unusable.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: OH
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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