BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is regarding American Express XXXX XXXX benefits. I signed up for the XXXX XXXX in XXXX of XXXX and enrolled in the Hilton Honors XXXX status XX/XX/XXXX. XXXX. It has now been almost XXXX  months and I have still not received the status match. I have called Amex XXXX ( number on the back of my credit card ) over 8 times, escalated the ticket twice, and still nothing. 

I paid {$700.00} a year for the XXXX benefits and have yet to receive the Hilton benefit. Every time I call, I am told that a ticket has been recreated and for me to call back in 7 - 10 business days. I have also been told to call Hilton. I've called and email Hilton and they mentioned that it is an American Express issue. Hilton has gone as far as to reach out to American Express themselves only for Amex to tell Hilton that I need to call Amex themselves ( did 8 times already ). 

The last thing Amex mentioned to me was now it's suddenly a widespread issue with Hilton matching on their end and while they are trying to resolve it, there is no resolution date in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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 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 2021-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
USAA will not allow me to cancel future automatic transactions. I see the button to cancel on the mobile app but I can not select it. The website does not show any automatic transactions. I called twice early to resolve but no one called me back. I called again and ask to speak to an executive resolution team member. All they did was apologize. 

Additionally, I can still see and edit my wife 's account information even though I was told this wasn't an option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 be investigated and corrected from 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to XXXX to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

XXXX refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.

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 2023-08-23
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: Investigation took more than 30 days

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 non-monetary relief
Consumer complaint received 2022-05-30
Company: Experian Information Solutions 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:
XXXX [ now XXXX BANK ] has been putting false late payment information [ XXXX and XX/XX/XXXX ] on my car loan listed on my credit report AFTER the car loan had been paid off in XX/XX/XXXX. I have repeatedly given XXXX the information that XXXX XXXX  paid off the car loan to XXXX in XX/XX/XXXX but XXXX has refused to investigate or correct their information. I have even forwarded XXXX XXXX 's email with the particulars of the check ( check cleared XXXX XXXX bank on XX/XX/XXXX ) used to pay off car loan. However, XXXX is NOT correcting the errors on my credit reports. The credit bureaus are still showing incorrect late payment information from XXXX on my credit reports even though I have given them the correct information through the dispute centers. 

This is a violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( the FCRA ) by failing to investigate and correct disputed information relating to customers loan in reports to the credit bureaus. 

[ 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. ] Since the loan was paid off XX/XX/XXXX and XXXX accepted payment by cashing the check [ cleared in XX/XX/XXXX ], XXXX is in clear violation of the above Code.

The Credit Bureaus stated my account was properly investigated but how is that possible if the late payments [ XXXX and XX/XX/XXXX ] are still showing up AFTER the car loan was paid off [ XX/XX/XXXX ] by XXXX XXXX, the date of last active is inaccurately listed as XX/XX/XXXX [ should be XX/XX/XXXX ], my credit reports are showing one 30 day late and one 60 days late [ should be zero lates across the board ], payment status shows XXXX dates late [ should be NO lates ], worst payment status shows XXXX days late [ should be NO lates ] and XXXX showed the account was closed in XX/XX/XXXX [ should be XX/XX/XXXX ]. I submitted the email from XXXX XXXX through the dispute centers so the credit bureaus had verification that the insurance company had paid the car loan off in XX/XX/XXXX [ letter from XXXX XXXX plus they sent me a copy of front & back of check showing check cleared on XX/XX/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 2021-07-13
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX  in the amount : {$25000.00} and XXXX XXXX in the amount : {$30000.00} ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX 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 2019-10-29
Company: EQUIFAX, INC.
State: AL
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 disputed some unauthorized past the statue of limitation inquiries and they are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to file a complaint against the credit reporting agencies for their willful neglect to investigate the inaccurate items on my credit report. I have reason to believe that my credit report contains inaccurate and unauthorized information that has been placed on it without my written permission, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

So these accounts XXXX shows inaccuracies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have all these violations with proof to prove my case and in know the scrutiny the Credit agencies are under for not following the law and I'm not afraid to take this as far as needed to have these items removed or I'm I'm left no choice to proceseed to legation!!

I have made multiple attempts to dispute these inaccuracies with the credit reporting agencies, but they have not taken any action to investigate or correct them. This is a clear violation of 15 USC 1681i, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item on a credit report.

Furthermore, I have reason to believe that my personal information was used without my written authorization, which is a violation of 15 USC 1681 section 604 A. As a consumer, I have the right to control who has access to my personal information and how it is used. The credit reporting agencies did not obtain my written permission before placing these items on my credit report, which is a clear violation of my consumer rights.

I believe that these actions fall under the term of identity theft as defined in 15 USC 1681c-2. My personal information was used without my permission, which constitutes unauthorized use of my information and is a violation of my consumer rights under 15 USC 1681q. These inaccuracies and violations need to be removed from my credit report immediately.

I want to remind the credit reporting agencies that I am aware of my rights to sue any company that knowingly furnishes inaccurate information on my credit report, which c
an result in penalties of up to {$1000.00} per violation under 15 USC 1681n.

In conclusion, I urge the Consumer Financial Protection Bureau to investigate my complaint against the credit reporting agencies and hold them accountable for their willful neglect to investigate and correct the inaccurate items on my credit report. I request that the inaccurate items be removed immediately and that the credit reporting agencies take steps to prevent this from happening in the future.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
recently, I did an investigation on my credit report which cause me severe XXXX. 
finding out that there's incorrect, invalidated, inaccurate, unverifiable, and questionable items on my credit report that your agency didn't make sure was 100 % correct. 
in accordance with the fair reporting act. everything has to be 100 % accurate on my credit report and under 15 us code 1681e ( b ) and 15 us code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

as well as, 15 us code s-2 responsibility of furnishers 15 us code 1681i ( 5 ) ( b ) reinsertion of deleted item 15 us code 1681i ( 2 ) ( i ) ( ii ) procedure in case of disputed accuracy which are also in violation of my rights under the fair credit reporting act? 

the credit reporting agency stated that these accounts were properly investigated and come back as verified. however, how is this true when there are several inaccuracies showing on my credit report, causing me XXXX, XXXX, mental health issues and financial hardship. 

as a consumer, I respectfully request to know all the steps your agency took to insure that all these accounts are 100 % accurate. 15 us code 1681i ( 7 ) method of verification- description of reinvestigation process RESOLUTION as a consumer and American citizen, by law my credit report must be made 100 % accurate immediately which is in the best interest of justice. i respectfully ask that the credit reporting agency update with 100 % accuracy and/or delete all the inquires, inaccurate information and fraudulent accounts listed in my complaint. 
please and thank you. 

I have also filed an identity theft report with the federal trade commission to protect my consumer rights. 

identity report and federal trade commission reference number. 
# 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 lost my purse awhile ago and I am in the process of buying a home and I got a copy of my credit report and notice items that was open is due to identity theft! XXXX XXXX and XXXX XXXX was open due to identity theft.

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: Mcburberod Financial, Inc. d/b/a SeedFi
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: 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 XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # 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 connot furnish a account without my written instructions 15 U.S.C 1681 C. ( 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, otherthan 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. 

I would like a full investigation and also delete all inaccuracies because i see all in question are all inaccurate i will like all these accounts that aren't mine removed they are putting a strain on my credit and are completely wrong and also are a violation of my rights with wrong addresses and wrong names and completely wrong accounts that i never had at all i want these removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX  has violated my rights. Or a 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 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 or 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