BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

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

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove this account ; XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; Inquiry ; XXXX XXXX XXXX XX/XX/2020. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2023-02-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Indenity theft and my social were used I feel threatened by who has my credentials

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Aldous & Associates, PLLC
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:
Hello my name is XXXX XXXX. I am a recent XXXX XXXX and have been recently looking for places to live in the next step of my life. There seems to be an incorrect eviction on my report that is holding me back from getting a house. 2 years ago I disputed and called all bureaus when I became aware of it. The athletic director from my university wrote a letter describing that I was a full XXXX XXXX. Meaning books and living are free so its mo way I could owe anything. It was athletic housing and I transfers mid semester to accept another full scholarship at XXXX  and another player took over the room.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is for XXXX XXXX XXXX, that they were supposed to come and pick up and NEVER did. I told them, I still have it, if they would like to come and get it, but I WILL NOT pay for something that is due to the company 's fault.

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 2023-04-05
Company: EQUIFAX, 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 information incorrect

Complaint:
I noticed a few inconsistencies as well as inaccurate information on my credit report. Therefore I sent letter methods of verification, requesting to verify the debt. Shortly after receiving my letter, in response I received notice that the accounts I mentioned had been verified. Which is impossible. Because these accounts are clearly inaccurate. Showing all kinds of inconsistencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 maintain an account with Capital One which is a credit card account. This card earns rewards and I have have approximately {$300.00} in rewards fairly earned under the Card 's Terms and Conditions. Approximately XXXX weeks ago I received a notification that the card had been cancelled and the rewards had been taken from me by Capital One. Although Capital One via " XXXX id XXXX '' states I was provided notice of these potential cancellation, I did not receive any notification of the pending cancellation and forfiture of the rewards points. XXXX further mentioned that I supposedly had received a letter but she had no proof of that and when I requested the Terms and Conditions she stated that she had " Technical Issues '' prevented her from accessing any options to retrieve these and unless I held on indefinately she would not provide this information. 

It appears that without warning or justification Capital One took the opportunity to confiscate fairly earned rewards. Furthermore they can not document that they wrote or communicated with me their intention when it could have been remedied and lastly they can not communicate me a process or any other means to validate their notification or other requirements to forfeit rewards while the card was in good standing. I have spoken to XXXX and others at Capital One and they tell me their decision is irreverrsible and the points forfeited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Bridgecrest Acceptance Corporation
State: PA
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:
Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. Bridgecrest negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and Bridgecrest can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-05
Company: EQUIFAX, INC.
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:
My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX XXXX  Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX Reporting on my consumer report ; I do not own this account and it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had an account with PayPal for selling a variety of products, after almost 10 years of opening my account and giving them my business, PayPal decided to shut down my account with no explanation, in the email received it stated that I will receive back the funds in my PayPal balance within 180 days, its been almost a whole year and the funds where never deposited in my bank account, I was lied to by the company. When I called them I asked if the money went towards refunding any buyers and they said no that the company PayPal simply decided to take my funds away. My money kept in their platform was stolen away by them. I kept funds in PayPal, used it as a wallet and put all my trust in this company to make online purchases among other things. PayPal Holdings , Inc ( XXXX XXXX, California, United States ) has taken advantage of their business model to unjustly steal money from users including my money. There has been many times where I was wrongly charged-back for items that I delivered successfully, even with proof PayPal was never of any help. Their company is tyrannizing and using their power to take advantage of their users in the worst way possible by stealing their money with no explanation. I demand a full refund/return of my money. I have done nothing wrong but be a customer for almost 10 years. The amount PayPal has stolen from my account is {$1200.00}. I will not stop until this is resolved, the company has shown to be untrustworthy and I will not let this happen to me or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: GA
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My ex husband open a credit card account with USAA. He included my name on it without my knowledge. I found out during our divorce that he opened this account. I have called USAA and asked them to take my name off that account, so I just took a look at my credit account and see that is on there. Can you please help me and have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: SC
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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: CA
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 JUST NOTICED SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
From XXXX XX/XX/XXXX to now, there were in total:XXXX earned Bilt points taken out of my Bilt Reward account ; here are the Bilt Credit Card transaction records relating to those missing points that were earned from eligible transactions : XXXX XXXX + XXXX points XXXX XXXX + XXXX points XXXX XXXX points XXXX XXXX + XXXX + XXXX points XXXX XXXX points XXXX XXXX points I reached out to customer service on day of XX/XX/XXXX to request the XXXX points back to my account. However, customer service representative rejected my request on day of XXXX and their reason is that : because I have not met minimum number of transactions requirement, the earned points are taken out of my account because of their program rules. 
However, there is no ground of their rejection has no ground : First, the terms and conditions of how Bilt rewards points can be earned were not adequately explained to the customer when the customer initially signed up for the Bilt Reward credit card. 

Second, on XX/XX/XXXX, there was a email sent from XXXX to me, with the subject : " An update on your Bilt Rewards Points Bank ''. This email clearly states that " were waiving the minimum transaction requirement '' because " We know it can take some time to get used to using Bilt ''. And more importantly, the email doesn't specify a date about which date is " when we transition back to our normal terms ''. And there has been no other communication neither until now about when Bilt reward transitions back to the " normal terms ''. 

Third, in addition to the fact that, the earned points from eligible transactions were taken out of my account due to an illegible reason - the minimum transaction requirement already has been waived by Bilt ( see Second ), Bilt reward also produces erroneous points statements. For example : XX/XX/XXXX XXXX points were earned from an XXXX purchase, but then were removed even though the minimum transaction requirement has been waived by Bilt. 

XX/XX/XXXX another XXXX points were removed from my account because of refund from XXXX produce return In total, I lost XXXX points just because I attempted to shop at XXXX ; there has been no correction or communication on the mistakes of points statement from Bilt reward program

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 2021-11-10
Company: EQUIFAX, INC.
State: MI
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:
Enclosed find information from consumers energy of proper dates which is correct and Equifax has submitted different dates which is inaccurate information on credit report. Please find attachment that XXXX XXXX removing XXXX XXXX XXXX from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few inquiries on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation