BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$140000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$700.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
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: 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 XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a customer of Bank of America since XXXX. I had over {$21000.00} worth of charges on two different cards. On XX/XX/XXXX I called the bank to pay off the balance which was about {$3100.00}. The agent I spoke to told me this would make my balance {$0.00}. On XX/XX/XXXX I saw a {$30.00} balance posted to my account. I call the bank and spoke to an agent that told me this was the balance of the interest. I told this agent that if there was additional interest the 1st agent should have told me that so I could have paid it. I was very upset but polite. The 2nd agent told me she would escalate the ticket to see if the interest charge could be waived. Two days later I called back and the agent told me the waive had been denied. I ask her what the was the reason the request was denied and she couldn't give me an answer. Being a customer who always paid on time and customer sinceXXXX, I couldn't understand why they would denied such a small amount. Especially since the 1st agent told me there would be a zero balance and didn't mention anything about additional interest charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20
Company: SYNCHRONY FINANCIAL
State: AZ
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 purchased an office chair on XX/XX/XXXX using my Amazon Synchrony credit card, along with a {$20.00} 3 year warranty. We returned it because it was very cheaply made and was not accurate when it said it would hold a heavy person, it was flimsy. I went online to start the return process and selected the return to original payment method. I called the credit card company a few days later and the lady assured me it would be refunded to my credit card, just give it a few days to show up. Well on XX/XX/XXXX when my payment was due, the {$170.00} was still not refunded, yet the {$20.00} was. I called customer service and was given the run around, passed all over the place, until finally I spoke with XXXX. She told me that it was refunded to my gift card balance! I was very upset, and asked her why. This was so unfair, I paid with it by credit card, and it should go back to my credit card, but instead I am stuck out of {$170.00} because they put it on there, so they could still get my money and hold it hostage, forcing me to still give them almost {$200.00} of my money. She claimed that I selected return to gift card, I DID NOT DO THAT, why would I do that, I selected return to original payment method! Furthermore, the warranty was on the same transaction, why did the {$20.00} get refunded to the card, and not the {$170.00} get refunded to my card? It is very suspicious and indicitive of dishonest and unethical business practices! This is so wrong and evil! I need my money refunded, not put on the amazon gift card, where I am forced to use my money on their company for an item I returned! I want a full investigation of this company and their egregious, dishonest and shady business practices! I have now been forced to pay {$170.00} on this account, when it should have been refunded to me, and money is so tight right now, to have to be paying for something I returned and now have to be hostage to Amazon for my money to use it ONLY ON THEIR COMPANY! So wrong!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: Affirm Holdings, Inc
State: TX
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 Affirm INC Account ( s ) # XXXX, XXXX, 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 2018-05-16
Company: CAPITAL ONE FINANCIAL 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: Personal information incorrect

Complaint:
to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XX/XX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: AL
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:
These credits were not made by me. I didn't not authorize these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am trying to make sure the bankruptcy information is completed deleted off all my credit reporting agency accounts. They have been XXXX and I need them to be deleted, as well as all other paid off accounts on my credit report.

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 2023-07-29
Company: Experian Information Solutions Inc.
State: OH
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2022-12-05
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Company has not reported to the credit bureau in 6 months. My balance has gone from {$300.00} to {$0.00} in that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Venmo sent me XXXX for opening an account with the and I was trying to transfer the money to another debit card and I did not see the teeny tiny fine print stating that the rules on some financial institution that if rejected money is lost. Not refunded. I want my money back. XXXX XXXX. XXXX. Happened in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: Zions Debt Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
According to ZION DEBT HOLDINGS, they bought a debt from XXXX XXXX XXXX for the amount of {$1300.00} which they claim I owe. They say XXXX didn't cut off their service until XX/XX/XXXX. I have not lived at that particular house since XXXX. I called XXXX right before I moved & told them that I was canceling the service. The representative ask if I wanted to transfer my service & I told her I couldn't afford it & to just discontinue service. I didn't save my monthly statements because I didn't think it was necessary. I have ask Zion for verification of the debt but the woman I talk to ( everytime I call ) tells me they don't have it. XXXX didn't give them that information. In the meantime they've put this alleged bill on my & my daughter 's credit. My daughter signed for me to get the service & now they're ruining her credit! Her credit score was 800+ but now it's steadily dropping & she's very upset. She just bought a car for her son & because of the credit score drop she had to pay a higher interest rate. We never thought anything about getting a debt in collections for a home security account. This woman had " repeatedly '' told me that this is a bill for services rendered but when I kept calling she now says it's a " breech of contract '' billing statement. I KNOW that this a mistake, possibly someone's else 's account. Now this woman from Zion is saying that I didn't complete the cancelation?!?!??? I have told her repeatedly that I called XXXX & canceled my service & the representative didn't tell me to do anything further. XXXX has already filed for bankruptcy again & I think that possibly they are making mistakes on their accounts & it is sorely unfair for my daughter & I to be hassled over a bill that's not mine to begin with. I am having trouble with my credit because of many bills because of my health problems. I have Lupus & several complications with it BUT I don't think it's fair to cause my daughter to lose credit points because of a mistake. She works very hard ( nurse ) for her money & she prides herself for having a great credit score & I was starting to work on mine but this has drug it down under 500. I know I'm repeating myself but I just want to make it clear that this is most definitely a mistake. One more thing I don't understand is WHY has this so-called bill just now surfaced? I hope you can get this resolved. My idea of a resolution would be for Zion to release my daughter & I from this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: BARCLAYS BANK DELAWARE
State: NC
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:
XX/XX/2022 and XX/XX/2022 ive applied for the XXXX  XXXX  XXXX XXXX due to XXXX  andthey denied my application twice after putting in my social security number twice. for personal family and household 15 U.S. Code 1691 - Scope of prohibition 15 U.S. Code 1681m - Requirements on users of consumer reports

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 2023-07-29
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
provide proof of any verified 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 non-monetary relief
Consumer complaint received 2023-07-14
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-04-20
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company I own XXXX XXXX, has a dispute with a credit card processing company " XXXX  '' I understand this is a business dispute and a business matter between XXXX XXXX and XXXX that needs to be resolve. However a collection agency Caine & Weiner has turned the business dispute into a personal matter. 

Caine & Weiner knowing it is a business dispute, as they affirm in their collection notice attached, has placed a collection account into my personal credit file. 

I contacted Caine & Weiner via telephone, they just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The credit reporting agency keep on reporting collections on my credit report that isnt correct From XXXX  account number XXXX it reads I have a collection of {$4800.00} past due as of XX/XX/3023./ I have a collection from TransUnion from XXXX XXXX XXXXXXXX that reads I/O a balance of {$3500.00} as of XX/XX/2023 It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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