BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: MI
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 12th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2021-04-30
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve Companies : American Express XXXX. XXXX  XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023, I went into overdraft in my checking account at USAA Savings Bank because USAA mistakenly deducted a {$300.00} payment from my checking to go to my auto loan account that they have the lien on. I only authorized ( or remember ) authorizing one payment of {$300.00} to be transferred from my checking to my auto loan account, but USAA deducted it twice, claiming that I processed two payments of {$300.00} to be transferred to my auto loan. Their explanation does not make sense because I only authorized one payment of {$300.00} to go towards my auto loan. Their error has caused my account to be overdrafted XXXX and there is also a pending automatic payment that is scheduled to deduct another payment from my checking to go towards my auto loan. If this happened, then that would be 3 payments credited towards my auto loan in a matter of 4 days.

I requested to cancel the automatic payment scheduled to come out soon and USAA refused to cancel the automatic payment, additionally I have tried several times over the past few weeks to cancel my auto automatic payment and have been unable to.

USAA actions is causing my bank account to be overdrawn for no good reason. I would like one of my payments ( {$300.00} ) made so far to be refunded, and any automatic payment that is charged to my checking account, I would like that payment also to be refunded also, because I have already applied one {$300.00} payment to my auto loan on XX/XX/2023. 

I have attached the duplicate payments that was taken out of my account towards the auto loan. 

I also want to cancel my auto loan automatic payments. 
Thank you. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has violeted the FCRA and my rights. They have failed to properly investigate valid disputes on the information they report. I have documented over the last 1 1/2 years my correspondence with experian repeatedly requesting verification and validation of disputed items. My 1st dispute was sent in XX/XX/XXXX in which I disputed many items on my credit report. Since that date I have sent 5 letters to experian. They refuse to properly and lawfully investigate my account, they also failed top provide me with notice on how they verified and with whom they verified the information they are reporting.

Experian has failed to provide the requested documentation and process for how they verified the following accounts. 

XXXX XXXX # XXXX Not my account. Creditor has failed to provide any documentation supporting this is my account. 
XXXX XXXX XXXX # XXXX Inaccurate open date, see page 3 for documentation. Account shows balance but indicates a charge off, balance should be {$0.00}. Creditor has re-aged account info. 
XXXX XXXX  # XXXX This account has inaccurate remarks, it was paid in full and closed by my request. This has been removed from all other reporting agencies due to inaccuracies. Please delete this account. 
XXXX XXXX-Experian has failed to note that this account is disputed -FCRA violation # 1 Experian has failed to note who the account was sold/transferred too -FCRA violation # 2 Please delete this account for Inaccurate information. 
XXXX XXXX # XXXX - I was not late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX, please remove all late payments on these dates and send updated report XXXX XXXX - Inaccurate balance, loan amount says {$26000.00} charged off but showing balance of XXXX. This account is falsely reporting Balance, monthly payment, and status. Company has failed to properly notify of account status. FCRA violation # 1 Delete immediately I request verification, no XXXX system

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 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Kohls credit offered me a generous percent off for using my kohls credit card. I said I didnt believe I had one and they checked my info and said I did and rang up everything. However, after the transaction settled, all of the lofty discounts that were promised no longer applied. 

The biggest issue is that I never received any bills from Kohls. I did receive XXXX phone calls that originated at XXXX AT NIGHT on XX/XX/XXXX and other nights after XXXX ) from a number identied as spam - I blocked it. However, researching the number I believe it was Kohls. 

They may say that they though I lived in California. However, I did file a XXXX change of address form and my transactions were in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: IN
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, I opened a Dispute with XXXX and Experian credit bureaus about 2 collection accounts reporting the same collection item on my credit. I was wanting them to verify heat to account and get an understanding of how two collection agencies ( 1.XXXX XXXX acct # XXXX 2.XXXX XXXX account # XXXX ) can be reporting and looking to collect on this item. This is double jeopardy according to the Fair Credit Reporting Act and these accounts are supposed to be deleted. It's been over 30 days and I have not received a response from the credit bureau at all. I am asking the cfpb to step in and help me get an understanding of how 2 collection agencies can report the same item on my credit report and according to the Fair Credit Reporting Act after 30 days both are supposed to be deleted, and they are supposed to be deleted because this is double jeopardy. Please help me with this situation!

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 2022-01-05
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
unethical evaluation of credit card application by US bank : I applied for the credit card with US bank, however, i was approved only for {$600.00} credit limit. I have a very good credit history but they still denied the increase in the credit limit. if my history was not good they should have denied the card at the first place. 
now they are not increasing the limit and issued me the card which is of no use to me.

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 2021-04-06
Company: Experian Information Solutions Inc.
State: NY
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 mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from XXXX I followed up with a letter on XX/XX/2021. I have received no correspondence from XXXX regarding this request. 

I sent the same request to XXXX  and Experian, specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. XXXX and Experian both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that Experian received on XX/XX/XXXX and XXXX received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX 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 602 A. States I have the right privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 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 ) states : 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 in 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I signed up for a business chase bank account. I requested my bank checking account to be set to an upgraded account where the service fee is {$30.00} per month and cashier checks are FREE. Chase Bank has been charging my company checking account {$10.00} per each cashier check since XX/XX/2023. Chase bank made a mistake when they signed up my company-XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a customer and Chase bank refuses to admit to the wrong doing and make it right. Since I recognized the fees-I have made multiple complaints against Chase Bank all which took months to get a denial from Chase on. I still needed to use cashier checks to run my business so I was forced to continue using Chase cashier checks in the mean time while Chase reviewed my complaints. I have been requesting a refund for over {$1000.00} in fees on cashier checks for months with no results. Chase corporate office did say I have a good chance at getting a refund if I go directly to the chase branches where the cashier checks were originally made. After visiting numerous chase branch locations and speaking with the branch manager-every chase branch manager I spoke with said they could not help me with my refund and they recommended calling Chase corporate office for help. 

The last conversation I had with a Chase branch manager about this issue was with a chase branch manager located at chase branch : XXXX XXXX XXXX XXXX XXXX AZ XXXX in regards to this issue. Which my refund claim was denied. I have contacted multiple chase branch managers-one located at chase branch-XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX and another located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX I spoke on the phone with numerous chase representatives, made numerous complaints directly to Chase with little to zero results. All the chase branch managers and chase representatives I spoke with gave no clear reason as to why my cashier check fees can not be refunded. One reason was " tons of chase customers asked for refund of fees during covid so now Chase does not issue refunds on fees ''.

Chase bank made a mistake on my checking account, Chase bank took terribly long to act on my complaint, and now I have lost a lot of money. I have been hesitant about filing this complaint because Chase bank representatives have threatened if I continue to make complaints about this issue-they may close my account and terminate me as a Chase bank customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
I submitted a letter to Equifax last XX/XX/2021 and until now I didn't received any response, it is over 45 days so now this is a violation of 15 US Code 1681i ( 6 ) ( a ) Failure to send results of reinvestigation in writing within 5 business days by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been a battle going through this and I am saubmitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : 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 XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00}

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 2018-06-15
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a call yesterday from a Direct Recovery Services stating that I owe {$3900.00}, and I had 2 days to resolve this account they didn't state would happen after this but said the file was already audited. I am not sure what this pertains to I have never received any information regarding this company or who the original debt is with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
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: Account status incorrect

Complaint:
On XX/XX/23 I had wrote my complaint against the company ( XXXX XXXX XXXX ) for wrongful /illegal repossession when in fact I was not defaulted on my payment on the vehicle and as well to get the Tradeline removed from my credit since they did reply back on XX/XX/23 that they did collect the vehicle and were going to keep the vehicle and relayed that XXXX would cancel my open account and as of XX/XX/23 the tradeline would be removed from my credit report expeditiously, .. well here I am once again making a second complaint because of the false information XXXX has one again lied and relayed to me, by which my next stance is to go forward with my full legal civil suit because I havent given them time to correct their horrible unprofessional mistakes and vindictive practices. Im making a record of this second complaint due to have on record I have obliged myself to try to get a right solution from this company but if the tradeline isnt going to be removed as it was stated to me in the reply from XXXX then Im left with no choice to pursue full legal action against them!!!!

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