BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: SC
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 XXXXXXXX XXXX XXXX XXXX Account numbers 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 an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a credit card in order to access the presale for XXXX XXXX concert tickets. Upon completing I wasnt given a virtual card # and can not access one before 3-4 business days, which is AFTER the presale date. This is false advertising - and now I cant access the tickets, they cant hold any for me and they offered me nothing other than to file a complaint Internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CITIBANK, N.A.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Please refer to previous complaint # : XXXX I am dealing with identity theft and illegal/unauthorized financial transaction issues from XX/XX/XXXX. After ( and continuing ) filing multiple complaints and reporting, Citibank confirmed the status of dispute with reference numbers ensuring me that the personal loan is in " pending status '' and their investigation team has been notified. 

On XX/XX/XXXX right as the business day turned, I received another email that my personal loan ( which is in dispute and pending status with reference number ) has been " approved and processed ''. I started calling the customer service numbers that the citi website provides, and also that I verified over the phone with the existing/communicating customer service representatives over the weekend. They are continuing to forward me to irrelevant lines, hanging up, and playing fake messages of " this line is unavailable '' to buy more time and not address my urgent need.

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 2022-01-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Approximately XX/XX/2021 I opened a checking account with HSBC USA. I was eligible for an account opening bonus approximately XX/XX/2021. To date the bonus has not been paid. I have made several inquires and each time I am told it is being investigated and should be resolved in four weeks. Most recently I was advised if I did not continue qualifying transactions that I would not receive the bonus. This is misleading as I should have received the bonus shortly after qualifying in XX/XX/2021. 

I have learned HSBC USA is selling some of its retail banking to XXXXXXXX XXXX. I suspect this is any attempt to delay payment of account opening bonuses until bank ownership changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: CA
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:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2022-11-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I XXXX XXXX had a joint account with my XXXX XXXXXXXX XXXX on XXXX the XXXX XXXX  my account was frozen the XXXX in it was {$8100.00} she had a judgment with her against XXXX XXXX and XXXX I put in a intervene in and went to court on XXXX the XXXX I won the judgment when I won the judgment I let Wells Fargo know that I won and everything After I let them know I won they close my account and they would not talk to me they have not yet sent me my money or let me know where my funds are and when I will receive my money I won the judgment and that's what the judge said I would receive all of my money back and Wells Fargo has yet to give me any of my money or access or even when I will get it.

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 2020-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT SOMEOME STOLE MY WALLET ALONG WITH MY DEBIT CARD AND CAPITAL ONE IS REFUSING TO DELETE THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2017-07-02
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon being denied from a lender for too many inquiries from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Equifax credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2.   XXXX   XXXX   XXXX   XXXX   date   XXXX   3.   XXXX   XXXX   XXXX  date  XXXX   4.   XXXX  date  XXXX   5.   XXXX   date   XXXX  6.  XXXX  date  XXXX  7.  XXXX   XXXX  date  XXXX  8.  XXXX   XXXX   XXXX   XXXX  date  XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX  date  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
" Phony '' collections agency ( Harris and Harris ), from XXXX ( IL ), keeps calling me at odd hours AND OVER THE WEEKENDS ( especially over the weekends ), using different numbers. Said agency, per federal and per MY STATE ( Texas ) do not follow lawful activities when making the call ( unlike other collection agents ). They claim to call about a " business matter '' ( always use this line ). So, I answer to their request evasively ( eg. I'd say " I'll connect you with XXXX XXXX if you leave a message about said 'business matter ' '' ) or be more direct ( " if this is a collector call, plese, tell me who you are ''. None of those things had been done by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I logged into my XXXX XXXX XXXX, entered my new bank account information, and made my monthly payment that was due on the XXXX. When I received my monthly statement on the XXXX I noticed that no payment was processed. I called XXXX and was told they had no record of the transaction. I questioned how the the new banking info needed to make the payment could have changed if the payment wasn't requested, they couldn't answer the question. When i got off the phone i made a replacement payment but have yet to resolve the issue. In addition to reporting me late to the credit agencies, XXXX has also supplied account information to the credit bureau 's that doesn't match-up with the account information showing online. I'm not sure if this was just a glitch or if my acct information might be combined with another persons, regardless this is effecting my ability to obtain credit and I'm asking for the CFPB 's help in correcting this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: PA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2022-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX of this year, I received an alert about a hard inquiry made by XXXX Bank, being sure that I had not requested any service and I disputed it before Equifax and XXXX. Then in XXXX I received another alert from a hard inquiry from XXXX Bank and another from XXXX, being sure that I had not requested any service. I also did both disputes. At the beginning of XXXX I received calls from XXXX Bank and there I learned that the case of the month of XXXX corresponded to a XXXX Credit card requested in person at a store. Obviously it wasn't me because I've never set foot in a XXXX XXXX, I don't even know what it looks like inside. Later I found out that the other inquiry from XXXX Bank corresponded to XXXX & XXXX and although if I have ever bought in that store, it has always been cash and I have never applied for a card or credit. And finally, I investigated, and the one corresponding to XXXX was related to XXXX XXXX, a store where I bought and had a credit card many years ago but closed it because I didn't use it. I closed it over 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I received mail from XXXX XXXX XXXX regarding a debt of {$780000.00}. There were purchases made at XXXX that were not made by me. I had cleared myself of this debt with XXXX XXXX XXXX  as it was a case of identity theft and I thought everything was resolved. But in XXXX XXXX, I received yet another mail from a different debt collection company, Portfolio Recovery Associates LLC, stating that I have a debt of {$7700.00}. Apparently purchases were made at XXXX XXXX during XX/XX/XXXX. I have never made such purchases with XXXX XXXX or anywhere for that specific amount of money. After receiving this letter I have called Portfolio Recovery Associates and XXXX regarding this issue. Both companies are now aware of this situation. Details regarding my personal information such as my social security number were incorrect. I do not know how my personal information was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX I received an email that a new collection was added to my credit report the email was from XXXX XXXX 
Kimball-Tirey & St.John LLP A third party collector foXXXX XXXX XXXX XXXX XXXXXXXX have multiple times added a debt of over {$4000.00} to my credit report. It was removed once then placed on again. I have disputed it multiple times. It is also on my partners report as the same amount of more. 
The letters and reports are separate not placed on as a joint account. 
The judgement was {$630.00} I agreed to pay the {$630.00} and the {$360.00} Attorney fees before the 3 day notice to the original creditor I was informed that I could get a money order for the XXXX which was the above and late fees plus the new rent and then we would be ok. When i took the money to the landlord she refused the money order and said her boss told her to refuse it. I had to cash the money order and pay what was due {$630.00}. 
By mail. The holdover damages and costs were not something I agreed on or anything included in my contract. The lease was forfeited. Since XX/XX/XXXX I have received multiple bills for different amounts and harassing phone calls not only myself but XXXX XXXX who was not in the lease but for an additional XXXX. 
This has effected my credit terribly. I did not do business with this company and they are not familiar with my account and the charges they keep adding and interest are disputable and make no sense also I am unsure of their intent by adding this to my credit as a new collection at least 1time per month. The creditor refused the payment and the due amount that is an actual charge I owed was paid but the amount I payed is included in their bill repeatedly. We have actually been living in a motel since this happened. The market went sky high and XXXX came so it has been a nightmare for my family and it continues to ruin both of our credit. Is there anything that can be done for me? Please let me know. I can't get anything with this in my credit report it is effecting my entire family. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # 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 2023-10-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently signed up for a platinum AmEx sky miles card. When I signed up, I recall the promotional offer being XXXX miles if I spent {$3000.00} in the first 6 months. I reached out to AmEx customer service to confirm this and was informed an investigation would be opened. After over two weeks of not hearing anything, I reached back out and was told the investigation had concluded and the offer was XXXX miles but the AmEx customer service rep refused to provide documentation reflecting that the promotional offer was XXXX miles. I recall it being XXXX miles. Im not sure why I wasnt informed the investigation concluded. Im not sure why AmEx cant provide documentation of the promotion offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: PA
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 investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$29000.00}

Company response to consumer: Closed with explanation