BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
A situation has come to my attention, that need to be correct.

( 1 ) This problem is with trans Union, I paid off my mortgage and my score went down, ( 2 ) I paid off my credit card, my score went down, they have me for account that I do not know where they are coming from, I try to explain there mistake to know satisfaction Trans union is more interested in people to pay a fee for credit monitoring, that way they will increase your credit score, but I will not do that, that form of bulling, This is a serious problem with Trans Union credit reporting, they are trying to get you to pay for service that you do not need. eg. trans union do not make it easy to get a free report, you get a lot of surmountable obstacle before this could happen, they always pushing for you to purchase.

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 2023-05-02
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
THEY did reissued me a new card but when I tried to use it they declined a purchase at XXXX XXXX for XXXX yet they claimed the card credit line was over 4k. they have been monitoring the card making it impossible for me to use. I am done with Discover card I no longer uses it. this is a clear case of Discrimination for what reason I don't know... .then they said that they was gon na report my info to all three credit bureau as fraudulent I dont know wither to seek legal counseling against this wicked company..or just don't do business with these clowns ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. Tothis day over 30 days later I have not received a response yet. I feel like I'm being taken advantage ofand being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these itemswithin 30 days gives a reason to immediately remove those items from my credit report and it has beenover 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately orI will file for litigation due to the stress caused on me. My information was also impacted by theXXXX XXXX XXXX and may have gotten into the hands of the wrong person ( 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 2015-08-23
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
No written notice ever received from Diversified Consultants, only discovered this was placed on my credit report by credit monitoring agency. They never sent me any correspondence so that I could dispute this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2013, I was t-boned by a drunk driver and 2 weeks later I was rear-ended by a gentlemen who was texting his wife about a loaf of bread he had just bought. I had suffered many injuries and sustained a XXXX in my XXXX XXXX. The medical providers were told that they need to be contacted by my attorneys and that they were to not contact me due to a lawsuit in process. My attorney, XXXX XXXX, had settled with XXXX XXXX XXXX for {$2300.00}. I also have a copy of the check stub and letter that was sent to them. This debt has been paid off and the case has been settled. Please remove this from my credit report. I have sent them many letters, as well as the credit bureaus to remove this, but have not had any response. Again, this is very wrong of this collection agency to not remove this debt. I will be happy to provide copies of the check stub and letter stating what was settled amongst my attorney and the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: AMERICAN EXPRESS 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:
Had a transaction on XX/XX/2022 which was supposed to be credited back in the amount of {$300.00}. Called at least 6 times and chatted the same to get the offer. Was finally told by representative XXXX that I needed to call after XX/XX/XXXX for it to be manually applied. On XX/XX/2022 was told to pound sand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Atlanticus Services Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On the XXXX of XX/XX/2023 I invited an Individual name XXXX XXXX from the flooring and carpet company XXXX. He began showing products of different types of flooring. He then proceeded to describe financing options. One was with XXXX XXXX, and the other one was with a company called Fortiva. I agreed that i needed new flooring because the flooring in my home at the time was worn out. Fortiva decided to give me financing. 

We agreed on a date for XXXX to send two contractors to do the job as was stated to me. It was around the first week of XXXX when one contractor showed up to my residence to do the work. I asked him where is the other helper. He said he was the only one. I permitted him to began the work. The individual appeared to be in a rush with his work, and directly in front of me poured out a substance onto the floor and later I found out that it had been mixed with the glue he was using to seal the floor to the foundation. He tracked the glue and substance through the house onto the new flooring. 
I told the company about this, and they decided to send him back to clean up his mess. He came and stayed about 15 minutes and the same situation remained and remains. The flooring is damaged. I send the so-called credit card back to Fortiva as a means of rejection of services. Fortiva has sent me a bill that is not correct and I never gave permission to make a transaction with the card they sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sirs, My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ). 
I address you with regard to the XXXX payment transaction that has been made on XX/XX/2022 and is currently on hold since XX/XX/2022 by Bank of America, please see the full details below. 

On XX/XX/2022 we received a compliance request from the correspondent bank - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX with the inquiry of a detailed purpose of payment and relevant invoice. We replied to this request on XX/XX/2022. However, by now the payment has not been either returned to the debtor bank, or proceeded further to the beneficiary, while the said goods have been already shipped from the XXXX supplier to the XXXX  customer. 

Please kindly check the current status of this transaction and arrange to refund it to let us settle this matter. 

Thank you for your understanding and cooperation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
Company: LEXISNEXIS
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have disputed these inaccurate reporting with TransUnion, XXXX and XXXX several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX TransUnion and XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX account XXXX TransUnion is reporting an open date of XX/XX/XXXX, XXXX is reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX TransUnion is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX TransUnion is reporting opened on XX/XX/XXXX, XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX XXXX account XXXX TransUnion is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX XXXX XXXX. account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX  account XXXXXXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are TransUnion, XXXX and XXXX considered furnishers? These are not my accounts and TransUnion, XXXX and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2023-09-01
Company: EQUIFAX, INC.
State: GA
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 15 USC 1681.

Has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, XXXX, I purchased XXXX First Class, round trip tickets from XXXX to XXXX on XXXX using the Capital One Rewards Travel website. The tickets were purchased as a birthday present for my wife, but our entire trip was ruined by Capital One 's fraudulent activity. 

On Saturday, XXXX XXXX, XXXX, the day we were supposed to depart for XXXX ( after flying all the way across the country from XXXX XXXX to XXXX ), I tried to check into our flight. Once I reached the seat selection screen on XXXX 's website, I was only given the option to select Premium Economy seats notwithstanding the fact that I clearly purchased First Class tickets as evidenced by the attached reservations from the Capital One Reward Travel website. I immediately called XXXX to ask why I could not check into First Class, and they said the tickets in their reservation system showed up as Premium Economy, not First Class. The XXXX agent said I would need to discuss the discrepancy with whomever I purchased the tickets from. 

I immediately called the Capital One phone number listed on my reservation receipt and spoke with XXXX XXXX, Agent Sign XXXX in XXXX, PA. I explained the problem and asked that she put us in First Class on the flight we were booked on, or the other direct XXXX flight scheduled earlier that same day. After spending over an hour on the phone, XXXX told me that despite my reservations clearly stating that I purchased First Class tickets, there must have been a computer error and she could not do anything for me. I then asked to speak with a supervisor, and she refused. XXXX then proceeded to tell me that my only choices were to accept a refund or pay to upgrade my tickets from Premium Economy to First Class!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: TD BANK US HOLDING COMPANY
State: FL
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:
As of XXXX, I started getting charged for an additional interest charge, on my Credit Card via TD Bank, is charging me for interest charges- Purchase & Interest charge- Fee, when i called the bank to ask what is this, no one can give me an answer, they are giving me " it could be this or that '' but no concrete answer. This was even escalated to a manager & she once again, couldn't give me an answer except file a complaint bc I am using legal terms. Each month its a different amount, XXXX XXXX XXXX cents, so it doesn't equal the 27.49 % that I am told is my APR on Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: MD
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:
Equifax continues to show an inaccurate address, where I never lived : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, Md. XXXX. I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
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 XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States :

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX, I discovered that an unauthorized individual had stolen my personal information and used it to open a fraudulent account at XXXX XXXX. I immediately contacted the bank to report the identity theft and request that the fraudulent account be blocked and investigated. However, as of today 's date, XX/XX/2023, XXXX XXXX  has failed to take the necessary actions to address this serious matter. 

I have provided all required documentation to the bank, including a copy of my identity theft report, a government-issued ID, and additional personal information to verify my identity and confirm the fraudulent nature of the account. Despite this, the bank has not responded in a timely or adequate manner.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute fraudulent accounts and request their removal from my credit report. Furthermore, financial institutions are required to have robust policies in place to prevent and address identity theft under the Bank Secrecy Act. The failure of XXXX XXXX  to act promptly and appropriately in this situation may constitute a violation of these federal regulations. Additionally, as the credit bureau is currently reporting this fraudulent account, they too are obligated under the FCRA to correct any inaccuracies in my credit report once notified. 

Request for CFPB Intervention : I urgently request the Consumer Financial Protection Bureau to intervene on my behalf and ensure that XXXX XXXX and Credit Bureau take immediate and appropriate actions to : Block and close the fraudulent account opened at XXXX XXXX  in my name. 
Conduct a comprehensive investigation into the matter to prevent further fraudulent activity. 
Remove any negative information related to this fraudulent account from my credit report with Credit Bureau. 
Provide written confirmation of all actions taken to resolve this matter. 
I have attached copies of all correspondence with XXXX XXXX  and Credit Bureau, as well as the documentation provided to verify my identity and report the identity theft. 

I trust that the Consumer Financial Protection Bureau will act swiftly to help resolve this issue and protect my financial well-being and credit history. Thank you for your immediate attention to this critical matter.

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