BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: DISCOVER BANK
State: IL
Product: Credit 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:
On XX/XX/18 I had a couch delivered that was damaged but didn't know until after delivery was made. The very same day I went to store I bought it and told them. They initiated a ticket to have a technician come to the house. A month later still broken couch so I initiated a dispute with Diacover card for a product that was not as promised. Discover started an investigation. Meanwhile I was told by the company XXXX XXXX I could not return the item but only exchange it. Technician finally came and couch not repairable. I did not want an exchange as I didn't want the couch in chance it would be damaged again. They offered me a reselection. I went to the store to find something. I couldn't find anything else so I called the company again and told them. XXXX XXXX said too bad basically and I had no other choice. I called Discover to let them know. Then a day later I found an item online I was willing to settle for. I called XXXX XXXX and no call back. I called again the next day and no call back. I finally got a hold of someone else only to be told I can't exchange or reselect anymore. It was closed. I contacted discover and they assured me the case I had was still open. I got the resolve back and they sided in favor with the merchant so now I have a {$2000.00} broken couch and no ability to return, exchange or reselect something else. Discover just told me I had to resolve it with other merchant and XXXX XXXX refuses to do so. Discovers policy is clear it says a dispute can be done if a product or service was not as promised. XXXX XXXX admitted the couch is not repairable but Discover still sided on their behalf. Meanwhile it has been XXXX  months with a broken couch in our home. Please help me resolve this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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, 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 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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
ok so my social is XXXX my name is XXXX XXXX XXXX XXXX i was born in XXXX fl. my mothers maiden name is XXXX. I look XXXX. and i have XXXX hair. some information on my XXXX and other credit reporting agency profiles are incorrect. and could possibly be someone else 's. So alright I mean some verification questions for employment and loans are just bizarre. I have like add. but I'm not incompetent. And I certainly know what is going on is bizarre. its hard to remember what information was not mine. The XXXX XXXX address is not mine. and whatever after 2012 isn't mine. I have a XXXX credit card. I financed with XXXX. bought a red XXXX. had a red XXXXXXXX XXXX. had a XXXX XXXX. and whatever financing company was involved with those is what is correct. I just don't remember what they were. never applied for any loans other than for those cars. I applied for a large loan one time and got approved for XXXX dollars. my brother has or had a XXXX. a XXXX. my dad has had a XXXX truck for long time. and my mom has a XXXX XXXX and a XXXX XXXX. so my email is XXXX. please help me and this precarious situation. you can contact my parents as well. my fathers name is XXXX XXXX and his phone number is XXXX my mothers number is XXXX. My phone number always changes. 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 2023-12-19
Company: U.S. BANCORP
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The CFPB today ordered U.S. Bank to pay nearly {$21.00} XXXX for keeping out-of-work consumers from accessing unemployment benefits at the height of the COVID-19 pandemic. 
XXXXXXXX XXXX XX/XX/2023 XXXX Views Replying to @ CFPB No file chosen consumerfinance.gov @ CFPB XXXX U.S. Bank froze tens of thousands of accounts. However, it failed to provide people a reliable and quick way to regain access. The bank also failed to provide provisional account credits, while investigating potentially unauthorized transfers. 
consumerfinance.gov @ CFPB XXXX Todays order requires U.S. Bank to pay {$5.00} XXXX to consumers harmed by its actions and to pay a {$15.00} XXXX penalty.

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 2023-07-19
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: MA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Experian are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. The Experian failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts that was included in the FTC report attached on this complaint.

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 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
To Whom It May Concern : I am writing because my credit report indicates a late payment 30-60 days  past due for my Capital One account. 

In XX/XX/2018 I overpaid my credit card bill because I was unaware that the automatic payment would still draft my account after I scheduled a manual payment prior to the due date. It was never my intention to overpay the credit card or make two credit card payments in a single month. But for the overpayment, Id have an excellent repayment history. On XX/XX/2018, I called and spoke with two individuals concerning the automatic payment taking {$180.00} more than was due since I made a payment several days prior. It was at this time that I was informed that the automatic payment system does not reduce the draft amount based on manual payments made in the system. During my call, I requested the overpayment to be returned to me by ACH or by check. I was told the overpayment could not returned to me and that I would have to contact my bank to request that the payment be returned. Prior to this incident I had not failed to make any payments on my account. Based on what I was told by the Capital One customer service associate, I contacted my bank to have the overpayment returned to me. It is deceitful and unfair for your customer service associates to advise customers to return the overpayment through the bank without any notice that it would have an adverse impact on the account. I would not have contacted my bank if I would have been properly informed of what would occur and the negative effect to my account. Instead I follow the advice of your representative and now I am the one being penalized based on the inaccurate and terrible advice that I was provided. 

I truly believe that this one incident does not reflect my creditworthiness and my commitment to repaying my debts. I am requesting that this situation be reviewed and my calls from XX/XX/XXXX listened to in order to confirm what occurred in XX/XX/2018. I would truly appreciate an adjustment to remove the late payment that was reported to all credit bureaus for XX/XX/2018. 

Thank you for your consideration and I hope you approve my request to have the late payment reported in XX/XX/2018 to all credit bureaus removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: KY
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello XXXX Credit Card showed up on my credit report in XXXX and i immediately disputed the account because I never opened a credit card with XXXX or any other creditor this year. Contacted XXXX, was placed on holds, transferred around, explained I never opened this account close it immediately they told me I would need to fill out paperwork, never received paperwork called them back and they kept disconnecting my call saying without the paperwork they can not help me. Ive disputed this with all transunion, XXXX and XXXX, and it keeps coming back verified but that is false.

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 2018-04-19
Company: SYNCHRONY FINANCIAL
State: IL
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:
I have two Walmart accounts : a MasterCard and store card. Both accounts are closed. I noticed several ACH debits from my XXXX XXXX XXXX accounts that did not match up with payments I had made on my credit accounts. I disputed the transactions with XXXX XXXX XXXXwho later said that Walmart MasterCard and store card verified I authorized the ACH debits. I was told my XXXX XXXX XXXX that once Walmart credit told them the ACHs were authorized that they cancelled the dispute. They instructed I call Walmart credit, which I did. The agent for Walmart credit said that XXXX  of the XXXX  I disputed were payments made to my account. They had no record of any account I owned being authorized by me for any credit account I own. However, the representative told me there was nothing else they could do other than have me file a claim for the XXXX dollars of ach debits taken from my bank account through their ACH debits and have those payments placed on my account.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: IL
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:
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 : # XXXX, XXXX, XXXX. : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF XXXX / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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 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 explanation
Consumer complaint received 2020-08-15
Company: Skrill USA, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Skrill declined transfers and terminated my account. I reached out to their support for clarification on what exactly prompted the termination and they refused to provide additional details. They insinuated that I was some sort of criminal  participating in illicit activity. This is a slanderous accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I applied for a Barclays credit card & was approved. But they never sent me my card. Yet there is already a large balance owed on the account but I have yet to receive my card! 

Also someone broke into several cars in my apartments, mine was one of them. My phone and wallet was stolen from out of my car.

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 2020-08-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TD Bank / XXXX 3rd party was allowed to add me to their credit card as an 'authorized user ' without my knowledge or consent. When 3rd party defaulted on payments, credit card company reported the default on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX  currently have fraudulent inquiries appearing on my Equifax report. 

XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: GLA Collection Company, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Filed a dispute with XXXX  ( XX/XX/2020, Confirmation # XXXX ) Credit agency. XXXX  closed file ( XX/XX/2020 ) as they contacted creditor and verified account is mine. 

I contacted GLA Collections, Inc on behalf of creditor XXXX for a purported amount of {$100.00} requesting date of service, insurance company information, and copy of the actual bill submitted, but to date have not heard back from GLA Collections. GLA has placed a lien on the public record for the amount of {$100.00} hich has altered my credit. I am on a fixed income ( SSA ). this amount is so low and should be deleted or waived from my credit file on Public Records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CITIBANK, N.A.
State: KY
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:
XXXX cancelled travel plans XXXX XXXX. They have received a refund from service providers for my cancelled trip. Failing to pass the refund along to me, instead apparently retaining the refund for their own benefit. Citibank contacted the merchants bank and was told I was refunded {$2900.00}. The full amount owed to me is $ XXXX have received XXXX dollars refunded, no credits or vouchers.The trip was paid in full XX/XX/2019. Citibank advised a letter was sent to me that I did not repsond to by XXXX XXXX. Therefore, Citibank is no longer able to dispute the charge. This is unfair and deceptive conduct. I received no letter or email. I paid for a service that was not provided/merchant unable to provide a service/services not rendered. I would not continue to be disputing if I received a refund. Citibank needs to stand up for there customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CITIBANK, N.A.
State: CA
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:
Please send me the review findings of your assertion that it was determined you can no longer service any accounts for me. 
If you do not send me the findings, I consider this a hearsay which is usually disallowed as evidence in the court of law. 
Lack of supporting evidence will be me consider by me as a discrimination and discouragement to apply for your credit card. At that point I will consider to take legal action against your company.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: CA
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 have sent multiple letters to Experian to get this inaccurate information corrected with no success to update the incorrect information on my credit file. 

Credit Bureaus are defamation my file, FCRA Section 623 And Reporting that they use is from XXXX to report the Bankruptcy ( which is a third party ) which is in violation of the FCRA. 

XXXX has no bankruptcy on my file yet Experian continues to report that information is correct from XXXX which incorrect.

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