BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are two fraudulent accounts on my report for XXXX XXXX XXXX for {$610.00} with Transunion and XXXX, and XXXX XXXX XXXX for {$370.00} with XXXX. I filed the disputes back in XX/XX/2017 and it's STILL under investigation with Transunion.

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 2023-11-22
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. 

Account Name : 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 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 explanation
Consumer complaint received 2021-09-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please refer to the attached for full copy of statements XXXX XXXX The last purchase made with my Victoria Secrets card occured on XX/XX/XXXX which showed up on XXXX 's statement, due XX/XX/XXXX. Unfortunately, I made the payment too close to the due date ( XXXX ) and it was received on the XXXX, generating a late fee and interest charge, for a total of {$31.00}, due on XX/XX/XXXX. On XX/XX/XXXX, a new payment for the amount due was made, leaving a {$0.00} balance in the account. And, again, I have not used the card since XXXX, so I was not tracking the account any more at this point. 

Here is where the unfair, unexplained and incoherent transaction starts. In my opinion a system error. 
A new " Fee Charged '' for {$2.00} was applied to the account on XX/XX/XXXX. This has no explanation whatsoever. Considering I've already paid my dues, actually 15 days earlier ( paid XXXX, due XX/XX/XXXX ) The {$2.00} generated late fees and more interest and late fees over and over. The balance grew up to {$30.00} ( breakdown below ). 
XXXX {$2.00} interest XXXX {$2.00} late fee XXXX {$2.00} interest XXXX {$6.00} late fee XXXX {$2.00} interest XXXX {$14.00} late fee XXXX {$2.00} interest On XX/XX/XXXX I received a paper statement ( while I'm signed up for eDelivery ) showing a total of {$30.00} balance due on XX/XX/XXXX. I should've not paid it at this time, however I did. A full payment was made, again on XXXX. 

Today, I noticed a new balance for {$2.00} posted in the account. I went and paid it. But not fully convinced of what is happening, I decided to call Customer Service and discuss. 

Spoke to XXXX with client service, and she understood the situation and credited the {$2.00} I had just paid. And offered me to transfer the call to her supervisor to apply the credit for the {$30.00} previously paid, as she was not able to process it. XXXX, XXXX 's supervisor, argued with me from the beginning, repeating herself and not listening to the full analysis I've prepared, before I called them. So I requested her to transfer me to her manager or a higher up agent. Then I was transferred to XXXX, Senior manager. Again, arguing and advising me to refer to the statements which were black and white, clear enough to anyone or close the account if I disagree to their terms and conditions. I explained, several times, that I did not disagree of being charged for the late fee in XXXX. however if I had until XX/XX/XXXX to pay {$31.00} and had paid that amount on XXXX, basically 15 days in advance, why am I being charged {$2.00} again in XXXX. It just makes no sense. 
This call was on for almost an hour. And if they really recorded it, I hope you could listen to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Have twice now disputed an incorrect missed payment to XXXX   regarding a car I traded in in XX/XX/XXXX. My credit report states that I missed a payment in XX/XX/XXXX. I have provided them with proof of the trade in date and they are claiming my documents don't meet their standards. The document provided is the receipt of trade in/ purchase of a new car given to me by the XXXX XXXX with the visible date of XX/XX/XXXX. It is impossible for me to have missed a payment on XX/XX/XXXX. The car was XXXX XXXX and I was no longer responsible. I honestly don't know what else I could give to them to show them I did not miss a payment.

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 2023-06-01
Company: EQUIFAX, INC.
State: FL
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 kindly request that you promptly update my account with the correct and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
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 not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as Experian, XXXX, and XXXX. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.

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 2021-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I purchased 2 tickets with Chase XXXX  points and had to cancel them due to COVID travel restrictions at the destination. 

I was awarded credit to rebook travel anytime before XX/XX/XXXX. I called the Chase XXXX  department, to use the provided credit and they said their ticketing department had difficulties rebooking with my credit since XXXX no long offers the Economy Standard Fare class, which is what my original ticket was. 

Since then I have called multiple times and each call is hours ( 2-4 hrs each time ) with no resolution to use the credit and book any flights. At this point I have spent 11 hrs on the phone with Chase XXXX  and thats almost as much time as it would take for me to go to XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
2 inquiry that are incorrect and they don't belong to me.

1. credit accepta nce date XXXX XXXXXXXX XXXX XXXXXXXX  I don't have accounts with this companies. I already try to dispute them, everything is correct. As things that are listed on my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
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:
My account should not show any late payments because I have always paid on time.

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 2021-09-30
Company: First Technology Federal Credit Union
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Fraudulent credit application without my knowledge or consent : On XX/XX/XXXX, I went to the XXXX XXXX branch of the First Technology Credit Union in XXXX, XXXX, to get a cashiers check. The teller asked me whether I was interested in extending my credit limit for my credit card. I declined that offer. She also casually asked if I still worked at XXXX, to which I replied that I now work at XXXX XXXX. 
She then asked me to sign for the check ( on the signature device ), which I received. I then left the branch. 

Two weeks later, I received a letter saying that my loan application was declined. Because I wasnt aware of any application, I went to the branch to find out what happened. 

After talking with the assistant branch manager and the application audit department, we found out that an application submitted for a credit limit extension on my behalf with a fictitious profile ( saying that I am a driver for XXXX with an annual salary of {$30000.00} ). 

We escalated the issue, and it was investigated by First Techs Internal Audit department. Still, besides a promised correction of the credit inquiry, which significantly impacted my credit score, it seems that no further action was taken. The teller who submitted the credit application still works in the same capacity. After raising the concern again with First Techs upper management, they, while claiming to do everything to regain our trust, suggested we could change to a different bank.

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 2023-06-01
Company: EQUIFAX, INC.
State: NY
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 multiple hard inquiries on all my credit reports that I have not authorized. I attached the letters that I sent to each credit bureau to remove it and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: United Credit and Collections Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification in XXXX about a XXXX XXXX  debt that I don't recognize. Below are the details of what I found in the XXXX report. 

Creditor Information UNITED CREDIT & COLLECTI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Opened XX/XX/2021 ( 1 mo ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. I'm looking forward that these will be resolved as soon as possible. 
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 XX/XX/2021

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 2020-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 sent capital one /walmart my payment of XXXX which was due. i sent it on time thru internet. on XX/XX/2020. they receives it on XX/XX/2020. i had a three way calling with cap one, representative XXXX and the XXXX  representative XXXX and myself. The XXXX   representative XXXX told representative ms , XXXX that capital one / walmart received my payment of XXXX on XX/XX/2020. after they look for my payment they finally found it. but now they are charging me a late payment of {$39.00}. I need you to please contact them and ask them to waive and deduct that late payment cause its not my fault they lost my payment, i pay it on time. please help .thank you ... .p.s.. my cap.one / walmart acct : # XXXX.transaction # the received it is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2019 I called Capital One ( GM Credit Card ) to inquire about a billing statement but my call was shifted to the fraud section instead because of suspected fraudulent activity. I provided all required info ( DOB, phone number, and last four digits of my SSN ) as in numerous prior occasions when contacting Capital One, but their representatives would not provide me with any information because I could not provide the SSN of the primary card holder. I indicated that the primary holder was in another city, that she was XXXX years old, spoke limited English, was ill, and I was an authorized user of the card with my own separate card number. I was very concerned regarding their belief that there was a possibility of fraudulent use and inquired what steps they were taking to address it, but since I wasn't the primary holder they refused to give me any information. When I pressed her on their policy regarding fraudulent use, it was apparent she was ignorant of the policy and suggested the primary holder notify Capital One. I asked to speak with her superior, but she indicated her superior did not and would not respond to customer inquiries.Why does Capital One suspect fraud, and what steps are they taking to address it and protect the cardholder ( s )?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery keeps calling my phone. I dont know who these scammers are and Ive never done business with them and Ive never signed a contract with them. They are garnishing my wages. They took almost {$400.00} out of my last paycheck and Im a single mom with 1 income, barely making it. Recently, I was out on unpaid medical leave for 6 weeks due to XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX but they all wouldnt let me pull my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
Please help me understand why the bureaus are still reporting accounts that are inaccurate, unproven, unverified, and definitely NON-COMPLIANT with the FCRA/FDCPA laws. It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that these accounts they keep posting in my report are verified and true. I have been continuously denied getting loans because of this. This should have been resolved months ago but they don't seem to care at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: Experian Information Solutions 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:
Dispute was started as the credit report contained items that exceeded the time they could be legally reported. The accounts were both from XXXX XXXX XXXX, XXXX and XXXX. Two other credit agencies confirmed and deleted the accounts ; however, Experian still maintains as accurate as reported. Similar to other issues with Experian in the past, how can Experian verify information when the other two major reporting companies confirmed and deleted the information?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Back in XX/XX/XXXX, I had a car crush and the insurance declare it total loss, so they told me that they will paid off my car. The insurance send the check to the ally finance bank and they cash out the check. However, they have not credited it to my account yet and whenever I call, they just transfer me to the department of total loss. it has been a little more then two months trying to reach them, but they never answer. their voice mail says leave a message and will return your call ; they never do. until this point they have not given me an answer and I do not know what to do. I have tried to talk to customer service but they also don't help me ; they just transfer me to the total loss department, but it always the same they never answer. the Ally Finance has been taking the car 's monthly payment even though ; they already got the insurance payment.

Company response to consumer: Closed with explanation