BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: NY
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:
There are accounts on my credit report that does not belong to me I would appreciate it if they were validated and removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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, this creditor has violated my rights. Under 15USC 1681, Section 602 states I have the right to privacy. 15USC 1681, Section 604A also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I never authorized to transfer or share personal credit information with any outside parties my consent was never given. This is unlawful and should not be permitted by any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All of these names and address are incorrectly reported on my credit reprt report. Most are very old address that I have requestez to be removed. XXXX of which are not mine. 
Social security number that does not belong to me : XXXX This is in violation of 15 USC s2 A person shall not furnish any information relating to a consumer to sny cinsumer reporting agency if the person knowz or has reasonable causw ro believe that information in incorrect. 
In addition under 15 USC 1681a ( 2 ) ( 1 ) under exclusions. Right to privacy Fair Credit Reporting Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. 
Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Nevada XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of which is incorrect and I have asked to please remove.

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 2023-03-19
Company: Experian Information Solutions Inc.
State: MD
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 of the credit reporting act the following creditors has violated my rights by publishing my credit cards and consumer cards account as late. 
- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance of the credit Report act, 15 USC 1681 Section 602 state " I have a right to privacy ''.

In accordance of the credit Report act, 15 USC 1681 Section 604a section 2 state " Consumer reporting agencies should not furnish any account information without my written consent ''.

In accordance of the credit Report act, 15 USC Section 1666 B state " A creditor may not treat a payment on a credit card or open consumer account as late for any reason '' Therefore the credit reporting agencies such as XXXX, XXXX and Experian have violated my privacy right.

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 2023-03-19
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:
I am complaining about your non compliance to the request I sent you about the identity theft issues I had. You have been ignoring me like you didn't receive my letters when I can actually track them and I also have proof of them. May I remind you that not responding to consumer letters are punishable by law and I have documents that can prove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

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 2023-03-19
Company: EQUIFAX, 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 Reporting act. The list of accounts blow has violated my federally protected consumer rights to privacy confidentiality under 15 USC1681. 
XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXXXXXX - XXXX, XXXX XXXXXXXX XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX US Dept Of ED XXXX - XXXX, 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 - XXXX, - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Section 604 A Section. States i have the right to privacy.

15 U.S.C. 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account with0ut my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any following items of information Any other adverse items of information other than records of convictions of crime which antedates the the report by more than seven years.

15U.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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions 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 sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-03-19
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XXXX and I have multiple student loans ( for him ) through Suntrust. He has continuously be enrolled in school and will graduate this XXXX. They are putting on my credit report ( and reuining my credit score/ability to transfer balances ) that he/I are deliquent greater than 120 days because " the school did not send them enrollment information ''. Both my son and I have contacted Suntrust, XXXX, and the XXXX  ( school ) several times/several semesters. Also, for some reason, for 2 semesters-post XXXX, his XXXX did not go through-so Suntrust took it upon themselves to add it on to their loans. That is XXXX that should have been grants and XXXX that should have been federal loans per semester for 2 years!!!! They deny this. In the spring of 2020, my son received an email from XXXX that he got FULL CREDIT for all classess, dorm fees, food, etc, all charges, yet, Suntrust still has loans for that semester? He did not receive that money, the money was returned from the school, to the lender because the school was shutdown from XXXX. Suntrust denies this also. Suntrust also keeps adding interest on top on late fees and more interest to the original balances, that are incorrect to begin with, let alone to try to add late fees and interest on to someone's loans who is and has continuously been enrolled in school!!!!!!!!!!!! He has proof through his TRANSCRIPTS! AND WHO WOULD THEY BE PAYING! I have filed disputes with all three credit agencies, but this does not fix the real issue here!

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 2023-03-19
Company: WELLS FARGO & COMPANY
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX  I callled into Wells Fargo after paying my credit card in full to request a credit increase. My card was locked and they unlocked my credit card when I called and did not relock it. XX/XX/XXXX  several XXXX transactions and something called XXXX charged my account almost {$1000.00}. Wells Fargo didnt seem to care when I called they didnt even update my password when I requested account access be restricted. It turned out my card was hacked back in XXXX and I was charged a late fee because I had no idea I had a balance. I paid the {$25.00} late fee but knowing this was fraud and they decreased my limit on credit card.

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 2023-03-19
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:
Credit bureau has not removed fraudulent account from my credit file. This account is a result of identity theft and I have submitted all required documentation.

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: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a credit card with XXXX for several years. I charge several XXXX dollars monthly and pay on time and in full for each billing statement. I am rewarded points and use them at their stores. On XX/XX/XXXX, {$200.00} worth of points were redeemed, NOT by me. When I called XXXX, they told me to call the credit card company, XXXX, who told me to call XXXX. XXXX told me that my account, which I have been using for several years, did not exist and was not in their system. The email address XXXX was used on the store website. The email XXXX was used on the credit card site. I spent approximately XXXX hours on the phone with XXXX to get my points back. Person after person says the same thing, they don't see my account and, therefore, can not retrieve my points. I have been hung up on twice, laughed at, and ignored. XXXX has lost my points, or they have been stolen. I want them back, and I want to make sure any future points that XXXX reward me go to my account. I would also like an apology and compensation from XXXX for how poorly I have been treated. My time is valuable to me ; they have wasted several hours with their error.

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 2023-03-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i do not recognized these inquiries, i have reported this to the bureaus but they refused to remove them. EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-19
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian I did not agree, nor do I know of all of these inquires on my credit report I believe these inquiries are fraudulent.

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: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 am writing to file a complaint against Citibank for their failure to assist me in disputing a purchase, despite providing sufficient evidence that the item was returned and the package was tampered with. 

On XX/XX/23, I purchased a camera from Best Buy. The camera was delivered to the wrong address, and Best Buy refused to take any action to rectify the situation. I was forced to involve local law enforcement to recover the camera. Once I obtained the camera, I immediately took it to a XXXX store to return it to Best Buy. 

On XX/XX/23, the package went missing the same day I dropped it off at the XXXX XXXX. I filed a missing package claim, and XXXX  finally located the package three weeks later. However, the package was returned to Best Buy empty, without the camera. The weight of the package had changed from 4 pounds to less than 1 pound while in XXXX XXXX possession, indicating tampering.

Despite providing proof that I returned the item to Best Buy, the retailer continues to refuse to accept the return or issue a refund. Consequently, I disputed the charge with Citibank, but they are also refusing to assist me in this matter. 

As a result, I am being charged for a camera I no longer possess, while Best Buy retains both the refused package and the funds from XXXX XXXX insurance claim. This situation has caused me significant financial loss and distress.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Citibank for their failure to assist me in resolving this dispute, as required by the Fair Credit Billing Act.

Please find enclosed supporting documentation, including a copy of the purchase receipt, proof of the camera 's return, XXXX XXXX package tracking information, and correspondence with Best Buy and Citibank. 

I appreciate your attention to this matter and look forward to a prompt resolution.

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a XXXX XXXX through XXXX  on XXXX XXXX XXXX  and a XXXX XXXX case I canceled the order within a few days after ordering and was not told by XXXX XXXX who was the financing company ( 2 years no interest ) that they added a XXXX credit to the account for going through them for financing. Even though I never received the phone and canceled the order they kept billing me for this XXXX credit. I was unaware of this as my XXXX account showed a XXXX balance. Finally, after many calls to a XXXX XXXX customer service rep I was informed that this credit was simply a matter of me telling them to release credit back to them? Due to this unorthodox scheme between XXXX and XXXX XXXX and the fact that they reported this as a missed payment my credit rating dropped by over 65 points. This scam by XXXX XXXX needs to be stopped and any credit that they give the customer on a cancelled order should automatically by removed from the account Please help I have worked very hard to keep my credit rating up in the excellent score range Sincerely 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 2023-03-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of 2020 my wife flew home to the XXXX on a flight booked through the American express travel feature. Upon trying to return she wasn't allowed to board the flight. This was due to issues at the start of the pandemic. She was able to book a flight with another airline but when she returned home we tried to get a refund for the unused portion of the ticket and were giving the runaround. I called amex, XXXX, and XXXX XXXX to try and resolve the issue myself but the airlines told me amex owed me the refund and vises versa. I just want my money back

Company response to consumer: Closed with explanation