BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from B of A proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Transunion has been very irritating to work with. I spoke with XXXX XXXX back in XX/XX/XXXX to remove a negative account. They charged it off back in XX/XX/2016 for {$1900.00}. They decided to give me a second chance so they just cancelled it out. Spoke with XXXX and transunion after to let them know. I sent the letter from XXXX XXXX over to them both and neither have updated it. XXXX at least agreed to remove it where transunion just told me no. I also have 14 hard inquiries and should only have 4. 5 or 6 from the last week for a car. I have a car. Not sure why I have so many. The only ones I should have is for XXXX, XXXX XXXX, XXXX card, XXXX card and I believe a XXXX XXXX, one. Not even close to 14. My credit went from over 700 to less than 650 with these issues. Id appreciate if it can be fixed. Working on my credit to buy a home in a year or two so I've been careful not to do too much with my credit. I appreciate any help you guys can give me. Thank you.

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 2023-11-11
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the XXXX major credit bureaus in regards to the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report. With the amount of hard inquiries I have on my XXXX and Equifax credit report. Its quite evident and clear all of the hard inquiries are unauthorized and fraudulent hard inquiries. The following hard inquiries currently listed and showing on my XXXX and Equifax credit report are fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: MO
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:
ALL ACCOUNTS PERMANENTLY LISTED BELOW : NO WRITTEN CONSTENT TO DISCLOSE PRIVATE INFORMATION 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - XXXX CXXXX 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 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 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Capital One Credit Card Account Number : XXXX Is Not Showing On My Credit Report XXXX XXXX and XXXX My Account are Not Being Reported To The Credit Bureau and is not showing on My Report I Been Making My Payment On Time and I Have The Account Open with them For 2 Months And Is Not Showing On My Credit Report Please Help me Investigate and Resolved This Problem..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 closed accounts showing on my credit report that do not belong to me. I need them removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, There were a series of fraud transactions online on XXXX using my XXXX XXXX credit card. I got email 's confirming all these transactions ( 6 orders ). Immediately I called up XXXX  and reported all the transactions. They told me they will take care of all the transactions and cancelled few of those transactions except two of them. 

I have repeatedly called XXXX XXXX and each time they refer me to the fraud department which is closed most of the time I called and once when I got fraud department the have referred me back to a different number. 

I am tired of complaining with XXXX XXXX and meanwhile I am getting late fee and interest charges on these fraud transactions. 

Fraud orders on XXXX ( most of them are reversed out after my initial complaint. 
Order # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX On XX/XX/28, my XXXX XXXX credit card ending with XXXX shows the two below transactions REFERENCE NUMBER - XXXX Amount - XXXX Reference NUmber - XXXX Amount - 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 monetary relief
Consumer complaint received 2019-11-26
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter.

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 2023-04-13
Company: EQUIFAX, 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: 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 60 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 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2022-07-14
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 someone from Barclays Bank Delaware tried to pull my credit report and did a hard inquiry according to XXXX report.

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 2023-11-30
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a credit balance of {$14000.00} on my US Bank credit card account due to an unintentional balance transfer to XXXX XXXXXXXX XXXX. I requested US bank to reverse the balance transfer payment sent by XXXX XXXXXXXX XXXX. US Bank issued a reimbursement of {$14000.00} back to XXXX XXXX XXXX and sent on XXXX and charged against my credit card, but instead of the entire amount of {$14000.00}, US Bank only paid XXXX  XXXX XXXX {$5900.00} on XXXX, yet US Bank still charged my credit card the entire amount of {$14000.00}. Which meant they still owed {$8200.00}. I have called US Bank several times to no avail. They did open a case XXXX on XX/XX/XXXX and asked to give them 10 to 14 days for resolution. On XX/XX/XXXX, they charged my US Bank credit card another {$8200.00} which was supposed to be the difference owed back to XXXX XXXXXXXX XXXX, not be charged against my US Bank credit card again. It was the difference they owned from the original {$14000.00}, but only sent {$5900.00} to XXXX XXXX XXXXXXXX. They seem to be so confused with such a simple transaction, they keep charging me over and over again. They need to remove the charges of {$8200.00} from my US Bank credit card as this was the difference they still owed from the credit balance of {$14000.00} they didn't pay XXXX  XXXX XXXX in full.

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 2022-05-31
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am writing to complain about a credit offer that became a problem and resulted in a substantial additional charge on my Home Depot Credit Card. The credit card number was XXXX XXXX XXXX XXXX. I have cancelled the card.

The credit offered zero interest on a larger purchase from Home Depot. The interest accrued but was not to be paid, as long as the account remained in good standing for the zero-interest rate offer period. To ensure that I could avail myself of this zero interest credit offer on the purchase, I set the card up to automatically pay a specified amount monthly. This approach worked well until the zero-interest credit period ended. 

However, I lost my card during this period and had to order a replacement. The replacement request was a problem because the information source I used to ensure that I was fulfilling my obligations on the card was not updated by Home Depot. This is because the site that I went for checking on the credit card balance never updated for the new card, and as a consequence, never showed the status of this credit offer. 

Consequently, I continued to pay the monthly specified amount automatically. However, once the credit offer term ended, Home Depot applied the full accrued interest balance to my credit card balance, and I was never made award of this adjustment because my electronic access to the credit status card was not updated. 

I realized a few months into this change that my account balance had been adjusted upward for the interest. If I had been informed by the electronic XXXX XXXX digital account site, I would have paid off the credit at that time. 

I believe the automatic payment option is a problem given that XXXX XXXX did not update my electronic access the status of my account. While the person I spoke to indicated that I had been sent notification via XXXX notices, I did not receive them. This may have been because of a couple of addresses changes that had occurred in the interim. However, I did have XXXX forward my mail, so I do not understand why I never received them. 

In any event, I believe that the approach being used by Home Depot is unfair to consumers as it offers automatic payments but does not update electronic notification to reflect balances on the replaced credit card like occurs with my other credit cards. It appears to take advantage of the false sense of security offered by automatic payments, to lull the customer into believing that they are sufficiently informed of the status of the account. 

I would like Home Depot to rectify this problem by returning the interest that I had to pay to pay off this account. Please confirm receipt of this letter.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am so displeased with the way my information was used, I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point where I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-03-19
Company: Experian Information Solutions Inc.
State: IL
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:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2021-04-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom it may concern : My Federal student loan originated in XXXX with Cornerstone Educational services. In XXXX of XXXX the loan was transferred to Fedloans. I have been pre paying the loan when I can but my payment history did NOT transfer with the loan and now Fedloans shows the entire origination balance of my loan. The federal Student Aid documents are also showing my original balance. I have contacted all parties and have proof of contact. I also have all my payment documents as I used direct drafts from our bank. I have not received a responded nor has either service provider helped. Cornerstone Educational Service seems to be shuttered.

To date, the loan shows the original amount due of {$21.00}, XXXX. Rather it should be {$15000.00}, due to the payments made in the amounts and dates as follows : Payments Date {$200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited legitimate money orders into a chase ATM and chase bank closed my account and kept my money from the money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: CT
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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