BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violtated 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 Inquiries that I didn't authorized : XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX / XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX OF Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2019-11-18
Company: EQUIFAX, INC.
State: SC
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 have been a victim of identity theft due to someone stealing my identity. In addition, they hacked into my network and stole my personal information, which someone opened up fraudulent account and inserted fraudulent inquiries on my Equifax credit report. I disputed the fraudulent information with them already, which I provided a police report and affidavit to proactively remove those items. Therefore, Equifax did not remove those fraudulent items, which they are violating The Fair Credit Reporting Act, 15 U.S.C. 1681, which is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Therefore, they violated this act. Also, I have disputed the same items with XXXX and XXXX and they complied and removed those fraudulent items from my credit reports. So, what is the issue with Equifax? I am asking you all to get onto Equifax to make them comply. If they do not comply, I will take this matter further and report them to the state of Georgia 's Attorney General ; and furthermore, take Equifax to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and saw a collections from national credit systems and didnt know what that was saying I lived in a apartment in Arizona and owed XXXX. I never lived in Arizona I have lived in XXXX and Wisconsin my whole life so I called to straighten things out there were getting aggressive telling me I did stay there and Im telling her like maam i have never moved that far before. Shes telling me they have proof I asked to see it and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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:
This is the second complaint I have filed with cfpb. The first was filed on XX/XX/19 and closed on XX/XX/19, which is not long enough to conduct an investigation. They should not be allowed to just close an investigation at their whim. Please hold them accountable. I have tried to have two accounts investigated by all 3 credit bureaus. An account with XXXX XXXX Bank and XXXX XXXX XXXX. I have tried to get documentation from the companies and from the bureaus. Showing a signed document for the accounts they are stating are mine. I have not received any supporting documents from any of them. I received a letter from XXXX XXXX Bank saying they no longer have the debt and could not provide any documentation proving I owed a debt. They told me I needed to contact a collection agency XXXX XXXX XXXX. I contacted them, and they also could produce no documentation. I have uploaded letters and communications. Both XXXX and XXXX have done their job and removed the accounts because there is no documentation. Transunion needs to do theirs.

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 2023-12-14
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citibank called me XXXX times between XX/XX/2023 to XX/XX/2023 As well as left me XXXX voicemails in that time. 
When I called Citibank to complain about the harassing calls, they informed me they were not required to notify me of FTC regulations and or should they had any knowledge of FTC regulations.

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 2023-04-07
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: Credit inquiries on your report that you don't recognize

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 XXXX XXXX XXXX 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.

ALSO, Please remove unauthorized fraudulent inquiries on my report Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized fraudulent items must be removed from my credit report. 1. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX 2. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX 3. [ XXXXXXXX XXXX  ] Inquiry date : XX/XX/XXXX 4. [ XXXX ] Inquiry date : XX/XX/XXXXXXXX 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 2022-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America free checking offers checking yet I am being charged {$10.00} maintenance fee for the month of XX/XX/2022 when I should not be charged at all in the maintenance fee for this account I would like bank of America to refund {$10.00} I have a negative in my balance because of the maintenance fee with prejudice

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 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
According to Capital One Auto, a consumer credit transaction application/contract was manufactured by XXXX and furnished to me XX/XX/XXXX for a XXXX red XXXX XXXX for the alleged amount of the total sale price {$40000.00}. The Finance Charge of {$11000.00} and the amount financed {$27000.00} with a total of payments, {$39000.00} with a {$340.00} down payment. The contract also stated and identified me the consumer with full security interest. ACCOUNT # XXXX I received several monthly statement requesting payment of account with the alleged debts and it's due balance which I offered to perform in good faith to settle upon the condition that Capital One Auto provide me all the necessary proof of evidence pursuant the " Fair Debt Collection Practices Act '' [ 15 USC 1692 et seq. ], which I listed in requests documents numbered below. Also I have discovered in the contract provided that TITLE 15 U.S. Code 1601 TRUTH IN LENDING ACT WAS NOT EXERCISED NOR DISCLOSED NO WHERE IN THE SAID CONTRACT WHICH CONSTITUTES A DEFAULT. After viewing other sections of the contract I also discovered there was no mention or disclosure of GAAP with the said contract. 

1. Debt Collector Disclosure which they did not provide with their letter of response. 
2. Affidavit Of Debt Validation which they did not provide with their letter of response. 
3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) 4. Requesting full disclosure of GAAP. 
I have given Capital One Auto multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information. 

An Affidavit unrebutted stands as Truth. 

According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter- affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. 

I have also provided Capital One Auto several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Capital One Auto to provide GAAP XXXX Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: In progress
Consumer complaint received 2022-09-06
Company: JPMORGAN CHASE & CO.
State: NY
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:
Me and my fianc flew XXXX XXXX to XXXX, XXXX through XXXX, XXXX on XXXX. I purchased tickets using my J.P. Morgan Chase Sapphire Reserve Card for {$1100.00}. After a late takeoff and late arrival, we were unable to make our connection in less than 30 minutes. XXXX XXXX refused to honor our reservation, forcing us to pay {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, 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:
I value your help to CORRECT a portion of the data in my credit file, yet I have some accounts passed on that should be investigated. Per FCRA you are expected to correct and update these accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: CITIBANK, N.A.
State: TX
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:
Hello, On XX/XX/XXXX I was charged {$9200.00} for a fence project by a local company. We agreed this money would be paid as a deposit, and the rest would be paid upon project completion. Months passed and I heard nothing back from the contractor. We have made multiple attempts to contact the contractor. 
XX/XX/XXXX I filed a dispute with Citi to inform them that I paid for a fence install and it was never started or completed.After providing supporting documents and evidence, Citi has ruled on XX/XX/XXXX that I am responsible. 

I have not received what I paid for. I have no fence and I am out {$9200.00}. Citi is refusing to take any accountability to protect me although evidence shows the contractor has gone MIA and isnt installing the fence I paid for. 

I have not received the service but they are expecting me to pay. Citi needs to fix this. They made me wait over a MONTH for a resolution, and arent giving me any good reasons as to why this wasnt resolved in my favor.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX 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

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 2023-09-08
Company: EQUIFAX, INC.
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 hope this letter finds you in good health. I am writing to express my deep frustration and concern regarding the delayed opening of an account that I previously disputed. My name is XXXX XXXX, and I have always valued the importance of maintaining transparent and responsible financial practices. 

Several weeks ago, I initiated a dispute regarding the opening of an account with your institution. I believed that the account was wrongly delayed and needed resolution. Regrettably, the matter remains unresolved, and the account has not yet been opened. I would like to outline the issues I have encountered : Dispute Initiation : I formally initiated a dispute regarding the opening of this account. I provided all required documentation and information to support my dispute, explaining the reasons behind my concerns. Despite my efforts to address this issue through the dispute process, there has been no substantive response or resolution from your institution. The account remains unopened, and I have not received any updates or communication regarding the status of my dispute.The ongoing delay in opening this account has caused me significant inconvenience. I had planned to use this account for specific financial transactions and commitments, and the unresolved dispute has disrupted my financial planning. 

I understand that unforeseen circumstances may sometimes lead to delays in banking processes. However, it is my expectation that disputes are resolved promptly and with transparency. As a valued customer, I believe it is essential for your institution to address and resolve this issue without further delay. 

I kindly request that you take immediate action to investigate and resolve the dispute regarding the opening of this account. Specifically, I request the following : Conduct a thorough review of the dispute initiated to understand the reasons behind my concerns. 

Provide a timely and substantive response to my dispute, including a resolution plan and a clear timeline for opening the account. 

Communicate with me promptly to keep me informed of the progress and resolution of the dispute. This late open account should be corrected right away : XXXX  XXXX XXXX Balance : {$280.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: OH
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 ( FCRA ) ; XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.

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: 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
US DEPARTMENT OF EDU XXXX XXXX : {$4400.00} ; US DEPARTMENT OF EDU XXXX XXXX : {$9600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and XXXX credit Bureaus have not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation