BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$0.00} ; 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 2022-12-23
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: NE
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:
An authorized inquiry on my credit report that should not be there XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: DISCOVER BANK
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my XXXX, XXXX, XXXX credit report, and I noticed some late payments, Chargeoff posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is an incorrect bankruptcy on my credit report. I have contacted them a few times to get it removed and nothing has been removed yet. It should not be there and the bankruptcy court has already let me know they did Not report this information so they do not know why it is there. and the XXXX claims the court reported it but this is false and I have a letter from bankruptcy court proving they did not report, validate or authorize this so it needs to be removed

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 2023-02-28
Company: Experian Information Solutions Inc.
State: NY
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 ACT XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX 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 XXXX XXXX XXXX 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 2023-07-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
When I was a US bank customer there was several accounts closed due to fraud. I would submit all the paperwork they'd ask for police reports etc. And they would not do anything about it. They would say it was me authorizing the transactions when it was not true. One of the bank tellers when as far as opening a close Friday fraudulent account and reissuing a debit card and sending a pin for it. When I tried using the card it said that the card was not activated. So my question is why would he have opened a fraudulent account back up and issued a debit card? Then I was kicked out of the bank and found out that the employee had been temporarily dismissed from that bank or whatever it was and then he was back. I was threatened by the manager and several of the 10 bank tellers and they were and I was told not to return to the branch when I asked for paperwork that I was entitled to as far as bank statements to see where the transactions, the amounts, dates, etc

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 2024-01-08
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX had a card since they 1st. formed a partnership w/Costco back in XXXX. We had 2 cards w/Citi-BK since there partnership w/ Costco. We closed our business & now they won't issue us a non business card. The reason is that we don't have history with any credit bureau in our names. We tried to tell them that we had business account with Citi since XXXX. They won't listen. They had to close our business account because of IRS Regulations. I checked w/ IRS & there is no such requirement. 
Here is our card information : XXXX XXXX. Card # XXXX XXXX XXXX XXXX XXXX XXXX. Card # XXXX XXXX XXXX XXXX. When I asked for an increase of $ XXXX & told them that we had closed our business & we are going to travel for a while. That is when the girl close the account. We have tried several times to re-establish our relationship w/Citi. No luck. Please help us. 
Sincerely : 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 2023-01-20
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:
This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
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:
15 U.S.C. 1681 section 602 A. states I have privacy!!!!!! 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.

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 2023-03-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotion ( detailed below ) for {$500.00} by email using promo code XXXX. 

On XX/XX/XXXX, I clicked on the link and opened the required Smartly checking account, registered for online banking and made multiple direct deposits exceeding {$6000.00}. 

I tried contacting the bank after completing the required direct deposits in XX/XX/XXXX to find out about the bonus, but the customer service rep asked me to wait for 60 days. 

I continued the direct deposits and have completed more than {$15000.00} in direct deposits. On XX/XX/XXXX, I contacted the bank again to check on the {$500.00} bonus. The rep first checked the promo code used which was XXXX and went on to check the details of the promotion. She then confirmed that I have satisfied the bonus requirements and am eligible for the bonus. She started opening a 'Missing bonus ' case for me, but later ran into some problems. She said that she will ask her boss to open the case later, and that the boss will contact me on the same day, before closing. 

Later that day, the same rep reached out to me and said that her boss clarified that this XXXX promo excludes Smartly Checking accounts. I asked her to email the promo details that she was reading to me. She said, emails are not possible, and said, her boss will try talking to me. I never received another call from the bank or the boss. 

Promo details below : XXXX XXXX is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : XXXX. Enroll in online banking or the XXXX XXXX XXXX XXXX. 
XXXX. Complete XXXX or more direct deposits. 
The bonus you receive depends on the total of the direct deposits : Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. 
Earn {$500.00} when your direct deposits total {$6000.00} or more

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 2022-10-22
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account XXXX : XXXX XXXX XXXX Account Number : 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The account on my TRANSUNION REPORT ... XXXX XXXX XXXX XXXX XXXXXXXX ( account number ) address XXXX XXXX XXXX, XXXX, De XXXX XXXX THIS ACCOUNT WAS OPEN FRADULENT!! I never owned this account... Transunion has not provided the information about this account to prove anything being accurate ... all the other credit bureau has deleted this fraudulent account!! I sent in my FTC Reports!! The address that first open this fraud account is not my address and is not on my account or credit report!! I demand this item be deleted or I am going to sue Transunion!!

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 2022-12-23
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NJ
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:
According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2023-02-07
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I've had my Credit Card with Capital One going on 3 years ; and most recently ; I was double-charged by PODS, and then a couple of days later ; Charged with another Charge I tried to dispute. The problem XXXX with the Customer Svc Agents ; first when you call you get someone in the XXXX and they want to know your Full Social Security Number and your DOB ; and when you refuse and ask to speak to someone in the U.S ; they hang-up on you. When I finally ( after XXXX calls ) got someone in the Credit Card Dept ; I was disrespected, with unprofessional language ; and to make things worse ; they refused to assist me. The final time I called ; I asked to " Close my Credit Card Account '' and they have not closed it ; in-fact they have issued me another Credit Card ( which I never received ) and now Capital One is allowing charges to appear on that New Credit Card ; without my authorization.

I sent 3 Emails and 2 Letters to the Corporate Office and asked to " Close my Credit Card Account '' and all I get is more disrespected calls from agents claiming to be in the " Escalation '' Dept ; but never resolving my issue ; nor my Disputed Charges.

This is illegal in the State of Florida ; and I plan to file a Formal Complaint with the Attorney General 's Office of Consumer Affairs. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Complaint XXXX We still have not received our funds and it has been almost two months and we can't pay bills due to PNC not providing our funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I made a purchase on the Amazon website on XX/XX/2023. Amazon advertise on their website you can use XXXX to to pay for your transactions. I selected XXXX to pay for my amazon transaction. XXXX aporoved me for the {$150.00} loan which I had to put down down-payment to XXXX  for {$28.00}. 

I decided to cancel my Amazon transaction 5 minutes after my purchase on XX/XX/XXXX which XXXX did received a notice from Amazon saying my entire transaction was canceled and voided from the Amazon system. 

XXXX decided NOT to release my {$28.00} hold from my venmo master debit card which I used to pay XXXX on XX/XX/XXXX. 

XXXX had contridicted there story by telling me on XX/XX/XXXX and XXXX that they didn't receive the cancellation notice from Amazon yet. But several other XXXX customer service and a supervisor did confirmed the Amazon cancellation notice was pending in both systems. The XXXX customer service representative did confirm though the canceled notice was reflecting in the XXXX system on XX/XX/XXXX. 

I contacted Amazon executive relations and a Amazon customer service department did confirm on XX/XX/XXXX that XXXX did received the cancellation notice! 

I called XXXX a total of 3 times, Twice on XX/XX/XXXX and once on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cornerstone credit is attempting to collect an incorrect amount on a medical bill from XXXX XXXXXXXX XXXX associated with XXXX XXXX. XXXX XXXX was made aware of the billing error, it wasnt fixed as they stated it would be and instead sent the bill to Cornerstone. Cornerstone has been made aware of the error. Our health insurance company states that XXXX XXXXXXXX XXXX needs to re-submit a corrected bill. Neither Cornerstone nor XXXX are making the corrections and instead we keep getting repeated phone called from Cornerstone continuing to collect an incorrect amount.

Company response to consumer: Closed with explanation