BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: CITIBANK, N.A.
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:
From Macys Furniture on my Macys American Express card. Original purchase of XXXX XXXX XXXX XXXX XXXX set including Queen size bed, nightstand and dresser. Sales check # XXXX for a total of {$2100.00} on XX/XX/2021. On XX/XX/XXXX, Macys had XXXX of XXXX sale on this bedroom set and the price was adjusted to {$1300.00} for the queen bed, nightstand and dresser plus tax and s/h. Currently Macys is charging me {$790.00} for a dresser {$1200.00} for a bed, and {$920.00} for a chest which I did not receive. Furniture delivered Around XX/XX/XXXX. I have spent hours on the phone with Macys and each time they have assured me that this situation was resolved. I just received my new Macys statement and they are still overcharging me by {$1500.00}. I just spent another 45 doing a chat and he then dropped my chat.

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 2023-12-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All three credit reporting agencies Equifax, XXXX, and XXXX have reported late payments which violate 15 U.S. Code 1666b, also I did not give written consent to be able to add anything to my report which Is a violation of the Fair Credit Reporting Act. The accounts listed below are accounts that show inaccurate information and are shown as open which is a violation as well. Not only that 15USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. " Also12CFR1016.7states that " A consumer may exercise the right to opt-out at any time. " I am opting out of your reporting services. 

The Accounts that are being reported as late are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2018-12-21
Company: Sterling & Associates, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX used the incorrect address when filling against me for damages in court. Therefore, I had no knowledge that I had the opportunity to defend myself before a judge in the court of law. Because I was never informed of the court date, I never knew I owed them anything until Sterling Associates appeared on my credit report. I contacted the company and they in fact confirmed that my name, phone number and address was listed incorrectly. At that time Sterling Associates then made me aware of what the charges were for. Charges were to cover paint, carpet and towel rack in the bathroom. I left a {$300.00} deposit to cover the cost of paint. There were no other problems with the apartment. When I moved in the carpet was 12 years old per  management. I asked if it could be changed and they said no. So why charge me for carpet when it was already time to change it? I believe that XXXX submitted incorrect information purposely to take away my right to argue my point before the judge.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: MS
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2021-08-11
Company: Financial Services of Mississippi, 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: Account information incorrect

Complaint:
I have contacted Financial Services of Mississippi about a old auto loan. I asked them to remove it. I was informed that they no longer report to the Credit bureaus and that my debt is forgiven through then. This is an issue. I need this resolved as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXXXXXX Balance : {$880.00}.

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 2018-11-12
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I signed up for Paypal credit years ago and never had a problem adding a debit card or bank account to my paypal account so I could pay my bills but 2 months ago I attempted to add a debit card/bank account to my paypal account and it wouldn't let me I do not have phone service so I contacted support via their secure message center [ which they told me isn't secure despite it saying it is ] that kept giving me a never ending response that I have to call them despite no phone service. I would have been happy enough just to get an address to send a check too but they purposefully have been dragging this out to get more money from me as of right now they have charged me : XX/XX/XXXX {$2.00} Interest charge XX/XX/XXXX {$2.00} Interest Charge XX/XX/XXXX {$27.00} Late Fee Despite me contacting them directly telling them I just want to pay my bill and their making it impossible I don't understand why else a company would deny their customer the ability to pay their bill unless they were doing it on purpose

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 2022-11-23
Company: Experian Information Solutions 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:
This is my 2nd 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 alleged fraud or extortion. 
XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I completed a background check with XXXX as part of an application to the XXXX XXXX. Within that report, I noticed a couple of incorrect addresses listed for me. One of the prior addresses listed for me on the report is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. This is the residence address of my younger, XXXX XXXX XXXX. 

But of more concern is under the Personal Information Comparison, there is a comment " High Risk Fraud Alert - Previous Address is a Restaurant/Bar/Night Club. I do not know what address that is referring to, nor have I listed a restaurant as a prior address. I suspect, but do not know conclusively, that that address is tied to another person named 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 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Previously, I opened a secured credit line with Capital One : On my credit card and also on my account, the name associated with the account is XXXX XXXX XXXX. I am XXXX XXXX XXXX. 

Therefore, a week an half ago, I opened a checking account. I told them that I noticed that my account said XXXX XXXX. There are at least XXXX XXXX XXXX in the world, and my father is XXXX XXXX XXXX, and He also goes by XXXX XXXX. 

Do you the problem? As I wish that my debit card and my account information state XXXX XXXX XXXX like my credit card with capital one. 

I wish to know why my debit card states XXXX XXXX when I am XXXX XXXX XXXX. Also, I wish to change it to XXXX XXXX XXXX, and I told Capital One the same story. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it againXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with XXXX on XX/XX/XXXX. I deposited my two paychecks from the State of Idaho totaling {$2700.00} into the account and I still havent received my money. The deposit was put on hold, then I drove 6 hours round trip to a branch and they couldnt help me. Whats followed is multiple phone calls and getting a different answer every time I call. Ive been told Id have my money the next day, Ive been told the checks had to be verified, but the bank refused to call the number I gave them for the state controller. It took over a week to finally get someone to call the controller and verify the checks and then I was told Id have the money in my account. Then I was told that no the account was closed, then I was told it wasnt closed and Id have my money the next day again, then it was that no the account had been closed and the money sent in a cashiers check, then yesterday it was back to verifying the checks when Ive been told they were verified. The state controllers office told me theyd cerified them multiple times and didnt know what else Chase wanted. Now I was on the phone for over an hour yesterday only to be told Id have the money in a week. These are my paychecks so Ive had next to nothing to live on for a month. I cant get gas in my car, cant pay my bills, cant buy groceries, and couldnt go with my daughter to move her into her dorm at college. Its been almost 5 weeks and I just want my money. Ive never worked with a more incompetent company in my life and at this point aside from this and possible legal action I dont know what to even do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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:
I asked Equifax to disclose their method of verification on the alleged bankruptcy they are reporting. Equifax then replied to me with the letter dated XX/XX/XXXX confirmation # XXXX and XX/XX/XXXX confirmation # XXXX claiming that the bankruptcy XXXX was verified by the data furnisher XXXX which is FALSE. I went to the bankruptcy court and its obvious they do not report any information to the credit bureaus ( letters enclosed ). I also went to XXXX directly and from there investigation they are not reporting in bankruptcy in my file ( letters enclosed ). Equifax is falsely stating this information on my credit report and has yet to remove it. 
Based on my own investigation Equifax appears to be in violation of 15 U.S. CODE 1681i ( a ). If you cant provide me proof, that every piece of information is correct this account must be deleted immediately. See enclosed inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
Disputed this information with XXXX and they already deleted the inquiries. I disputed this with TransUnion but they refuse to delete it because they verified this information. I am requesting to receive the documentation of whom they verified this information because it wasn't with me. If they are unable to provide this documentation I am demanding that the 11 inquiries be deleted.

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 2023-06-17
Company: AMERICAN EXPRESS COMPANY
State: HI
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: Overcharged for something you did purchase with the card

Complaint:
I used my American Express card to purchase an oven from XXXX XXXX. I transferred the balance to my XXXX XXXX  for a {$30.00} fee and zero percent financing. XXXX card paid American Express. I now have a {$1000.00} balance on my XXXX  card. I had to return the oven since it didn't fit. XXXX XXXX issued a refund to American Express. Now I owe XXXX card {$1000.00}. I contacted American Express on XX/XX/23, XX/XX/23, XX/XX/23 via phone and text. They requested that I make an additional payment if {$40.00} although I had no balance, they actually owed me- I made the payment. I have screenshot all my correspondence. I was told a refund check would be issued although I have a savings account with American Express. They told me three times that they would mail the check. I contacted them today and the check was not yet issued. I asked to escalate and requested a wire transfer directly into my bank account. They told me this could incur additional fees. Overall, it appears that American Express is " double dipping ''. They received funds from XXXX XXXX  as well as XXXX XXXX and now are making me fight for my money. All I wanted to do was surprise my wife with a new stove. Now I am out {$1000.00}, no stove, no check. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: MD
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 time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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