BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: CAINE & WEINER COMPANY, INC.
State: TN
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:
Violated my consumer rights : XXXX XXXX Code XXXX - Congressional findings and statement of purpose XXXX Code ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : Caine & Weiner Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. 

Status Updated : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I set up a payment arrangement in XXXX the day I was served with paperwork stating that I was being sued. I have successfully made XXXX of my XXXX payments with the last payment being due on XX/XX/2022 I have contacted this company several times regarding the default hearing date that I received as I have been on a payment arrangement since XXXX and have requested to speak to someone in the legal department and my request have been denied. I contacted the courts this morning after being informed that a continuance was requested on XX/XX/2022 after my initial complaint regarding this letter. the agent confirmed that the payment arrangement was to prevent a judgement hearing which is what I was informed at the time of setting up the arrangement both can be confirmed on the companies recorded calls. I reached out to the courts this morning and they have no record of a pending continuance case. at this point if I am required to take off of work on XX/XX/2022 I am demanding that my time off work be compensated as well as the file be dismissed because I have done my part however this company has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 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 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 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 2022-03-24
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2018-05-15
Company: JPMORGAN CHASE & CO.
State: TX
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:
My credit cards were stolen last year including Chase ending in XXXX. My credit dropped from 700 's to below 500 's. All credit companies have worked with me except Chase Cardmember Services, XXXX XXXX XXXX, XXXX Delaware XXXX. I had health issues, then theft, then Hurricane Harvey, 34 '' water in home, lost office, a catastrophe that is still existing. Chase said that I said " I can't remember '' or I don't know and based their decision on tha and that I didn't contact Chase, Didn't make payments on card, and didn't contact Chase until XX/XX/2018. This is not true. Chase doesn't understand being overwhelmed or catastrophes. Chase allowed the thief to make payments that then bounced thus allowing the thief to go above all credit limits. Chase did not research the accounts used to make these payments and will not send me the account info used thus protecting the thief. I have been very open and will assume all debt that was mine prior to theft. I was coerced by Chase collections to make a payment and then fraud department said I assumed the debt by making a payment. I want to pay only what I incurred and I want to continue payments as before theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-05-25
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good afternoon, my account was blocked at first. Never had the chance to use. Ive been trying to reach the bank for over two weeks. On the phone for hours. Today finally I got to talk to someone in maintenance team. She and her supervisor took a half hour to review the account. Once she got back she told me they couldnt service me anymore because of the check they had voided which is not % 100 my fault. Now the account as a positive balance they went ahead and close with the only balance I have to get something to eat and gas. It was XXXX from my dad and my brother straight to the account. They werent being nice and theyre no help whatsoever. Im very dissatisfied with there service. Maintenance team was really telling me there are no money in the account that I was looking at. Thats why I was on the phone for an XX/XX/12 for this treatment.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reviewed my consumer reports and noticed that I had missed payments on a couple of accounts, but there were discrepancies in the payment history, date account was opened, highest balance, last payment made, credit limit, and account closed date. XXXX XXXX XXXX have a responsibility to report consumer information with maximum accuracy and to the best of their ability. According to XXXX XXXX XXXX XXXX of the FCRA, if any information is not reported with maximum possible accuracy it should be corrected. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I request that these payments be updated to paid on time, as I believe I was never late. 

If it is proven that was in fact late on these payments and the discrepancies are updated on my report, please be advised that according to XXXX XXXX XXXX XXXX ( XXXX ) ( a ) ( i ), transactions arent supposed to be included in my consumer report. Therefore, late payments should not be reported on any consumer report. Please remove the late payments associated with the accounts. 


The accounts that reflect the inaccuracies and discrepancies are listed below : XXXX XXXX  XXXX : Account # - XXXX XXXX XXXX Account # - 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 2017-01-19
Company: Mercedes Benz Financial Services
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I RECENTLY CHECKED MY CREDIT AND NOTICED A MERCEDES BENZ FIN SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED MBFS VERIFIED ITS MY ACCT SO I CALLED MBFS TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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 information incorrect

Complaint:
I am filing this complaint because I'm going through a stressful time due to Kohls , Inc. actions. I filed an arbitration case against Kohls , Inc., which is reporting the accounts involved in this matter. Kohls , Inc. has refused to arbitrate the matter thereby violating the contractual agreement. 

I have consistently demonstrated a strong commitment to honoring my financial obligations by promptly settling my bills. I decided to automate my payments by setting up an online auto-payment system. However, to my dismay, I later discovered that this transaction had not been successfully processed. 
On the other hand, I discovered that Kohls has failed to report my complete payment history, they are missing numerous on time payments I have made. Despite my efforts to ensure that the information on my account was accurate, I discovered that Kohls had reported incorrect information to the credit bureaus. This error had a significant impact on my credit score, making it more challenging for me to obtain credit, loans, and other financial services. 
Moreover, Kohls failed to comply with the FCRA 's notice of adverse reporting requirement. I was never notified of any adverse reporting, despite the fact that there were multiple occasions where such reporting occurred. 

This issue has caused me significant stress, and it has a negative impact on my financial well-being. Specifically, my credit score plummeted by XXXX points, I had been in the process of purchasing a house. But with this sudden drop in my credit score, the mortgage lender withdrew their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a complaint for XXXX, EXPERIAN AND XXXX since they have ignored my letters sent for the update, elimination and correction of some accounts that are negatively affecting my credit, I am very unhappy that they do this when I am entitled to a fair credit. 

It's been several months that I've been trying to fix my credit because I know that I have the right and that the law protects me as a consumer. 
Not even sending validations for my accounts has he wanted to answer me when they are supposed to have 30 days to do so.

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 2019-02-10
Company: CITIBANK, N.A.
State: NC
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 a Visa credit card through CITI Cards. I pay the balance each month after I receive a paper bill. My account was switched from paper to paperless and back to paper several times last fall. I did not initiate this action any of these times. I contacted CITI because I had not received a bill and was told it was switched to paperless and had missed a payment. The Customer service rep said my account had been switched multiple times this fall. Because I did not initiate any of these actions I was transferred to fraud unit. They could not fined who initiated the action but insisted it must have been me.

CITI cards has a initiate to get customers to switch to paperless billing. The situation appears to be a " XXXX XXXX '' issue of company representatives initiating the change for financial gain. Nothing else explains the switch and switch back. 

CITI Cards did not take my concern seriously and initiate any internal review. Citi stated they waived fees but I was charged fees and my credit rating may be impacted.

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 2023-06-27
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app is refusing to refund money I sent as a deposit for goods or services I did not receive on sat XX/XX/XXXX totaling {$300.00} the person is refusing to send my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX  reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for 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 2023-05-12
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:
Again, I found my credit report to contain inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX credit reporting agencies to verify these items ( A ). Disclosure as information without confirmation within the statutory period is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: MI
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 act XXXX XXXX account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions

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 2021-02-11
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against MERCHANTS AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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 is missing that should be on the report

Complaint:
Companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance of the Federal Credit Reporting Act this creditor 's has violated my rights. 
Under 15 USC 1681 SECTION 602 state 's I have a right to privacy. and under 15 USC 1681 section 604a section 2 state 's that a consumer reporting agency can not furnish an account without my written instruction 's.

Under 15 USC 1666b state 's. A creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose.

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