BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry that appear on my persona consumer report form Transunion, XXXX and XXXX that I do not recognize from XXXX XXXX on XX/XX/2022. There is a possibility that due to the history I've had in the past with this particular financial institution, they my have issued an inquiry to cause me financial harm.

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 2021-12-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX MXXXX  XXXX, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 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 2023-04-05
Company: Experian Information Solutions 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:
Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. XXXX Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. Experian XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX  3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX  6. XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10.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 2022-11-03
Company: CITIBANK, N.A.
State: TX
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:
I was charged {$770.00} back in XXXX for an XXXXXXXX XXXX car that I never booked. I filed a formal investigation with Citi and was told they would be investigating. They denied the claim and I reopened it by filing a police report and providing them with everything they needed. They said that XXXX provided a contract showing that I booked the car, however, my wallet was stolen so my ID could have been used to do this. They said they have a signed contract as well but never provided anything and once again denied the claim. XXXX even had already charged me around {$77.00} and after I noticed it, immediatley called Citi fraud dept. to report it stolen. They closed the card but I was still charged the {$770.00} after the fact!! They approved the fraud claim for the {$77.00} but not for the {$770.00} which makes XXXX sense since I made them aware of this before being charged. XXXX is running a fraud operation that must be stopped. 

Police report info : Incident No : XXXX Title : Stolen Property Officers Name : XXXX XXXX XXXX XXXXXXXX Police Dept .

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 2023-09-21
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:
My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: WELLS FARGO & COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The promo date ended in XX/XX/XXXX. We had monthly payments withheld from our checking account that coincided with the end promo date. Needless to say, we received a statement from them saying we needed to pay {$170.00} in interest. I spoke with a rep, who assured me it was taken care of, and we would not be billed again. They still billed us for the interest, and we paid that, confirmation # XXXX XX/XX/XXXX. 
They still withheld a XX/XX/XXXX payment of {$410.00} and tacked on {$170.00} more interest. 
Please help us. We are seniors who pay our bills. It was against my better judgement financing with this company, through XXXX XXXX. 
Sincerely 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 2023-09-21
Company: EQUIFAX, INC.
State: KY
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 accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXXXXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXalance : {$2800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the atm at Capital One at XXXX XXXX  I made a deposit for XXXX and then one for XXXX. The atm did not have a receipt mechanism in place and it said it will retain my cash if I didnt take it out, it never gave it back. That was my rent money. I went into branch, they said they can not do anything due to atm being a third party and to file a dispute with customer service. I filed a dispute and they told me up to 10 business days for my money to be returned! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TD BANK US HOLDING COMPANY
State: TN
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:
In XXXX 2022, I was shopping for a car. I asked XXXX to stop running my credit because I wasnt going to buy the XXXX from them. I had already purchased the car and I informed them of this purchase, yet they continued to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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 recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like for these accounts to be removed asap.

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 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2019 XXXX XXXX tried to check my balance and received a message that the site was down. Message says American Express Serve website is offline. 
The site is down right now. You can still use your Serve Card while we are working hard to bring you the American Express standard of service you expect. We  appreciate your patience. 
XX/XX/2019 XXXX XXXX Tried to make a purchase and the card declined XX/XX/2019 XXXX XXXX Called American Express Serve and was told via automated response that they had system issues and could not process my call. 
XX/XX/2019 XXXX XXXX Called American Express Serve and waited on hold for 15 minutes. A person by the name of " XXXX '' answered and gave no information. He gave no ETA on their system and told me to call back in 2 to 3 hours. I explained to him that customers are being left stranded, sitting at stores where they have received services and now can not pay and he responded " call back in 2 to 3 hours '' This is not acceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: OR
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 USC 1681. the late payment information is incorrect and is causing hardship Account type : credit card Account name : XXXX  XXXX XXXX XXXX  XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  XXXX XXXX Account number : account ending XXXX. Has Violated my rights. and this Company wouldn't accept or post my payments.

15 U.S.C. 1681 SECTION 602A States I have a right to privacy 15 U.S.C. 1681 SECTION 604 A section 2 : It 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 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 Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate. These inaccuracies are stopping me from getting new credit cards, financing an Auto and purchasing a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Re : XXXX XXXX Student Loan Provider : XXXX XXXX Account # : XXXX On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX at XXXX regarding a Loan Forgiveness Program to inquiry if I meet the qualification for the program and was told that I did. I was told that {$49000.00} of my {$59000.00} student loan would be forgiven and I would only be responsible for repaying {$10000.00}. I was told that I would make 6 payments of {$190.00} and that my payments would decrease to {$40.00} thereafter to satisfy the balance of the {$10000.00}. I was emailed a copy of the Fee and Service Schedule to sign and my first payment was taken. 

From that point on I begin working with XXXX XXXX with XXXX XXXX XXXX at XXXX ( Toll Free XXXX ) who informed me that my Loans had to be consolidated through one of the approved Department of Education programs before it could be forgiven. Although I was skeptical I proceeded with the process because I was told this was standard procedure. I was told that the process would take 3-6 weeks. 

After my loans were paid off through XXXX, I was told that my new loan servicer was XXXX and notice that the total balance of {$59000.00} instead of the {$10000.00} ( I was told I would owe once transferred ). I immediately called XXXX XXXX and was told that in order for my loan to be forgiven I would have to pay 240 payments ( which is 20 years ) before my loan would be forgiven. 

As I expressed to Mr. XXXX, I feel that I was mislead and that details of the program were withheld to get me to change loan servicers. I would have NEVER consolidated my loan to wait 20 years for them to be forgiven. The total amount of my loans {$59000.00} have been placed on my credit. The Fee and Service Agreement I signed only has me repaying $ XXXX- which further supports the deceptive tactics used to get me to change lenders. This program does NOT benefit me and am asking that an investigation be open on XXXX XXXX XXXX XXXX and XXXX for fraud and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I cancelled my account on XX/XX/2023, which within the 45 day window stated on the credit card statement for getting a refund of the annual fee that was charged on the XX/XX/2023 statement. They told me I would receive a refund check. The check never arrived so I called. They told me that although the monthly statement clearly states that I have 45 days to close the account to get the {$59.00} fee reversed, their internal procedures are based on 40 days ( my call to them came on day 41 ). They didn't disagree with me but they said there is nothing they can do due to constraints on their internal processes except write to their corporate offices. 

I sent a letter to the corporate office address they gave me on XX/XX/2023. They apparently kicked it back to the same Customer Care group I was trying to work with. That group sent me a letter dated XX/XX/2023 stating that they are " unable to fulfill your request regarding annual membership fee waiver ''. 

I am not asking for a waiver. I am asking them to comply with the terms for cancelling a card within the 45 day window as stated on their monthly account statements. 

I no longer have the card- I cut it up when I closed the account. It is the card ending in XXXX. My identifying information is in the letter I wrote to them, attached. Their case number is on their response, also attached. It is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation