BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

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 non-monetary relief
Consumer complaint received 2023-11-18
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX I had XXXX credit cards accounts open with XXXX XXXX XXXX now know as XXXX XXXX. 

Cc # XXXX Milestone - after XXXX XXXX and XXXX XXXX refused to help to close the account. XXXX XXXX made payment arrangement to close account at {$280.00} with waived interest charges and a late fee. 

Cc # XXXX Indigo - After XXXX XXXX and XXXX XXXX denied me to close account but transferred me to Mgr. XXXX made payment arrangements to close account {$130.00} waived fees and interest. 

XXXX their policy I informed both CCs regarding why no confirmation was received for payment arrangements and the inaccurate statements received. ONLY received closed account letters. My consumer rights were violated when stating I wanted to record as well to XXXX XXXX, XXXX XXXX acted as if she didnt hear me ) transferred to XXXX. XXXX who threaten me XXXX for stating I was recording for my protection and he ended the call! 

XX/XX/XXXX - XXXX their policy I informed of the inaccurate statements.I was afraid to state I would like to record and Mgr. XXXX confirmed payment arrangements and will resend out letters for stating arrangements for closed accounts. 

XXXX XXXX only received closed account letters and no confirmation of payment arrangements. XXXX XXXX stated no notations on accounts. Transfer to XXXX XXXX XXXX XXXX to initiate proof of arrangements dispute investigation. I was told the discrepancy policy was for active accounts only. But I reiterated XXXX receiving statements and not the payment arrangement confirmations letters as promised. She said, She will request a statement from XX/XX/XXXX. When I made arrangements and closed accounts. I Never received anything! 

XXXX XXXX XXXX XXXX no notations or payment arrangements on accounts. Transferred to XXXX XXXX who threatened that the call will be listened to from XX/XX/XXXX regarding payment arrangements. XXXX Received a voicemail to call her back l few days after call. 

XX/XX/XXXX I returned the call and XXXX XXXX stated no other Notation from Supervisor XXXX but Accounts will be taken care less then 30 days which XXXX XXXX explain what it means and will request a call back from that supervisor. I was put on hold for another XXXX for XXXX but call ended. 

As of today XX/XX/XXXX No response from XXXX XXXX as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: MD
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:
I'm submitting my CFPB follow up complaint today, and as per FCRA section 605b XXXX, Equifax and XXXX Credit Bureaus are required to remove and block any inquiries listed on an id theft report, and ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of inquiries which 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: CT
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 : 1901, 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 2022-03-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take note of the attached documents. I want the bureau to look into these accounts, as I have a history of being punctual, contrary to their current late reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX  XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX  ) XXXX Balance {$950.00} XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  Inquired on XX/XX/2021 ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 2020-03-10
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:
XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
On my credit report from all three bureaus my payment history is rated as POOR.

Further down my report where all accounts are listed the payment his is listed as EXCEPTIONAL. All my accounts are listed as PAYMENTS - ON TIME. 
The accounts in question are XXXX XXXX- 2 - Credit Cards CAPITAL ONE - 1 - Credit Card These payments were late because of XXXX. I did not have the virus, but 3 employees did so the restaurant shut down for 2 weeks, that was why the payments were late. 
I contract with XXXX XXXX. They are excellent. They have sent MULTIPLE letters on my behalf to XXXX and CAPITAL ONE. 
XXXX and CAPITAL ONE have contacted me several times by USPS, saying the late payments WOULD NOT be removed because it WAS NOT a bank error. 
XXXX XXXX said there is nothing they can do except sending letters. 
I filed disputes with XXXX and CAPITAL ONE and got the same response. 
I also filed disputes with XXXX, XXXX  and XXXX, got the same response, dispute declined NOT Bank ERROR. 
They told me to contact XXXX, I did, they told me by phone that they would do nothing because that the Bureaus report to them. 
If you obtain my full credit reports from all Bureaus, you will see exactly what I am talking about. 
I also want to mention that these late payments are OVER 2 years old. Prior to 2 years there were no late payments, defaults or delinquencies and since that time, none.

To report my payment history is rated poor is unfair, inaccurate resulting in a poor credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My gob father was trying to send me money to help our with my move, he ask me to get a Venmo account which is easy for him to send. I did and verify my account. He send a test XXXX $ and I was able to transfer that instant to my account. He sent me a XXXX $ that was on Friday morning. When I try to transfer the money, it keep giving me error. The only service that was available was to transfer via the 3 days transfer. I have a next day deadline. I talk to my property Managment and show them screenshots that I have my rent but I dont have access to it till the XXXX that yesterday. They agreed. Yesterday morning my friend send me XXXX , I couldnt do instant transfer either. So I did the 3 days transfer. To my surprise. That XXXX $ was in my account in less that 3 hrs. That worries me. I call and no body picked up. Email and a reply came saying the system flagged my transaction but if there is no problem. I will get it on the estimated arrival date that the XX/XX/2020. It didnt come. I call and text. Now they said 3 business days. I already miss my deadline to pay my rent ones. I tried to talk to them on the phone but they said there is nothing they can do, I have to wait for 2 to 5 business and I should not contact them. I have to wait for them to contact me. And now I received an email saving my account has been frozen for violating the agreement of Venmo. This is the 3 transactions with this service. What did I do wrong and this people are about to me lose my place. Get evicted. And When I was on the phone with the Venmo supervisors. He hang up on me when I told him. I will have to seek help to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: JPMORGAN CHASE & CO.
State: MS
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 attempted to return an item purchased in accordance with the return policy as it was the wrong size. The merchant " XXXX XXXX '' agreed to the return ; has not responded nor issued the refund. I disputed the charge with Chase and included all the documentation and correspondence and they denied the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened an american express credit card account in XXXX of 2022. The transaction was opened with a signed promissory note I gave american express at consummation of the credit card account. American express turned around and gave me a check in the form of a loan. All which was created from my promissory note. After giving me a line of credit/loan american express also added interest fees and a high APR. the entire transaction was false and misleading and they also furnished deceptive forms trying to coerce payment from me. It was my understanding that I was given a loan in the form of line of credit from american express. When in fact my promissory note that i signed originally was given back to me in the form of a loan. This is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount on account number XXXX. I have reason to believe and do so believe that all past, present, and future billing statements received by AMERICAN EXPRESS COMPANY are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened in or around XXXX of 2022. They failed to perform on the agreement so the note is null and void. I've been damaged by the many violations american express has ran on me a federally protected consumer I have suffered XXXX XXXX XXXX defamation and also harrasement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: WA
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:
XXXX inquiry ( XXXX XX/XX/2021 ) Equifax inquiry ( XXXX  XXXX These inquiries i have contacted both XXXX and XXXX  companys and reported the inquiries i then contacted XXXX  and equifax to have them deleted made a ftc complaint let them know i had the report and still refused to delete them XXXX delete the XXXX and XXXX from my credit report from both XXXX  and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I received my XXXX 's credit card statement, which was a surprise since I paid the card in full the day I received the XXXX XXXX 's statement. To my surprise, XXXX 's charged me {$2.00} interest on XX/XX/XXXX on a XXXX balance. 

When I called in to them they stated it was for the time between when my statement came out on XX/XX/XXXX, though I was not electronically alerted of my statement until XX/XX/XXXX at which time I paid the balance in full. I had asked for paperless statements so I would get them faster, so there should be no reason I can't get a statement from XXXX the same day they generate the statement. 

I have a few problems with XXXX XXXX and the way they send out statements & charge interest on balances that have been paid in full prior to their due date : 1. They charged me interest on my XX/XX/XXXX statement balance of {$0.00}. Regardless of the fact that on the XX/XX/XXXX statement showing what is due in total in order to pay the account in full by the XXXX due date. 
2. They did not inform me that my statement was available on XX/XX/XXXX until XX/XX/XXXX and then they charged me interest between XX/XX/XXXX-XX/XX/XXXX when I was sent an email that my statement was available. 
3. Additionally, how is it legal to have 4 days pass between when the statement is generated and when a consumer is made aware that it is available and during that time the company charges interest. If that is the way they do it, then my interest should be accruing interest and the consumer would never pay their account in full. Their statements do not come out on the same day, so for me to know which day they would calculate it is not reasonable. 

It feels like XXXX 's does this to see what they can get away with. The interest charged is a small amount, mine was {$2.00}, but more to the point is if you don't question it they will just let you pay it.

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