BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: NJ
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:
The following accounts should not contain any late payments whatsoever : 1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  Each of these accounts were open under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts contained a finance charge, which is the sum of ALL charges. The finance charged was paid when the company required my credit card ( social security number ) to open the account to begin with. Thus, the account was paid in full and shall not contain any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Huntington Bank ( XXXX branch ) refused all efforts to withdraw funds as directed. I lost the purchase of property located in Texas. 

This bank ca n't account correctly. Essentially they stole thousands of dollars from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX are reporting duplicate line items to XXXX ; Experian and XXXX  a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.

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 2023-11-17
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
Originally dated XX/XX/ ( sent via email ( w/attachments ) To whom it may concern : I am including documents related to my continued dispute of a charge for a reservation, which I had to cancel. If there are any other documents needed, please email me with instructions. If you need a doctor 's letter, explaining my physical condition as to why I cancelled, please let me know because I have a debilitating XXXX condition that has gotten worse, and can not walk without help or a wheelchair. I am XXXX XXXX XXXX and on a fixed income and have never made a hotel reservation in my life where it had to be paid up front ( always at check out at the hotel ). I was with major corporations where I travelled extensively, and never heard of this type of cancellation policy, let alone agreeing to it! 
I also am skeptical of something which prompted me to dispute this charge. When I checked into it on the Citi Bank website, I saw dates differing from my already planned XXXX XXXX XXXX reservations. It was for mid XXXX, which was incorrect & I thought it could be a scam, either from the hotel or XXXX... but now, mysteriously, it has disappeared from your site. I originally questioned it with my first Chacontact yet did not know I was to copy & paste the entire conversation! If you could please investigate that, I know I am not losing my memory or going crazy, for I still have excellent cognitive thinking & perception skills! 
Thank you for following up on this critical issue, I will await your response or any further follow-up needed. Going forward, if I make hotel reservations, I will only use XXXX, which I have used for many years and never had to pay up front but pay the hotel upon check out! If they are, in fact, affiliated with Citi Bank, I would change their policy before recommending that your customers use your travel site for points, why I used it, in the first place. 
I believe in excellent customer service, having had a successful career dealing with customers and I hope your company feels the same. 
Yours truly, 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 monetary relief
Consumer complaint received 2022-01-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
I have previously submitted a complaint to Navy Federal Credit Union on XX/XX/2021 ( Complaint ID : XXXX ) about denying me an extension of my own credit. As stated in 15 U.S. Code 1691 ( a ), it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. An adverse action, as defined in 15 U.S. Code 1691 ( d ) ( 6 ), is a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. This further supports the fact that I was discriminated against and violated as a federally protected consumer under Title 15 Chapter 41 and that it is unlawful to deny me an extension of my own credit. Navy Federal Credit Union has not replied to any complaint that I have submitted and has surpassed the 30 days of investigation into this situation. I DEMAND that this issue be resolved as soon as possible and that the remedy I ask for is fulfilled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, 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:
I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, and XXXX of 2019. 

I never gave XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: BARCLAYS BANK DELAWARE
State: NY
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:
on XX/XX/XXXX made an online purchase for a watch from a online merchant. i made the purchase but then tried to cancel 1 hour later because the online address was not to be found,, i couldnt email or phone the merchant there were no options to do that. i called the credit card company immediatly and told them my story and they said they would reverse the charge no problem ... than they said they couldnt i would have to file a dispute. I did that they gave me temporary credit and than as of XX/XX/XXXX they rebilled me and said they have proof of delivery of the merchandise? i never received any such merchandise and i checked the tracking number the credit card company sent me and i called XXXX  and the tracking number is invalid and never had any such delivery. The credit card company is reinvestigating the merchant but will not give me temporary credit until they validate the merchant which there is no merchant available to contact .They will not give me any info as to whether or not they have any contact info like a phone number or an email addresss and they are not giving me a straight answer.. In conclusion they are running me around and not giving me me credit refund. they are fully liable i called them immediatly after purchasing the item and told them it was a scam site!!

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 2022-01-27
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 discovered certain issues on my credit report that were improperly reported after analyzing it. The Fair Credit Reporting Act has given me the authority to dispute and alter information in my credit report that I believe is wrong ; however, the following are also forbidden under the Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: St.John Cobb Inc
State: NC
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:
Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$600.00} Placed for collection Disputed XXXX/XXXX/XXXX for the second time Disputed the first time XXXX This account is fraudulent. I am not aware of what I am being charged for what so ever. It has also been transferred to another agency but remains on my credit after dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, 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:
I have been reporting identity theft and Ive even sent police reports to support my claims the credit bureaus refused to remove the accounts from my report. They validated this debt more than once they are violating my rights under FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: WELLS FARGO & COMPANY
State: IL
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:
On XX/XX/XXXX my credit card had 5 unauthorized charges from XXXX XXXX XXXX XXXX ( the merchant ) in the amounts of {$99.00}, {$11.00}, {$99.00}, {$110.00}, and {$99.00}. I flagged these transactions as disputes which Wells Fargo immediately provided refunds for with an extra credit of {$11.00}. On XX/XX/XXXX, I owed the bank {$11.00}. 

On XX/XX/XXXX, there were both a charge and a credit of {$99.00} on my card so no change to how much I owed. 

I was sent a new card in the following days and all fraud charges and credits were transferred to the new card and the {$11.00} that I previously owed was also charged back to the bank. So by end of XXXX, everything balanced. There was nothing that the bank or I owed to each other. 

On XX/XX/XXXX, the merchant credited me {$99.00} twice. The bank charged me on XX/XX/XXXX and XX/XX/XXXX for the same amount balancing everything again. However, this time on XX/XX/XXXX the bank also charged me an additional {$99.00} and {$110.00} which do not reconcile with any credits that I have received. 

I have contacted the bank numerous times ( over 20 ) and there has been no resolution. They understand the issue but refuse to do anything about it by transferring me from one department to the other. 

I am attaching a color coded spreadsheet that details each transaction that has been part of the fraud. These transactions are straight from monthly statements that the bank has provided. The rows at the end that are not highlighted do not reconcile. If you need more information, please let me know.

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 2023-11-15
Company: EQUIFAX, INC.
State: IL
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention an issue regarding certain accounts on my credit report. 

-- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -- -- - XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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. has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraud was committed on my checking account. All my funds were wiped. Ive tried reporting this to the bank and disputing all fraudulent transactions and no help has been given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I have worked really hard at turning my credit around and I finally got my credit to a fair instead of very poor and applied for a capital one credit card. Two weeks after using it transunion reported to credit karma and my score dropped 126 points, not to mention my bill wasn't due for 3 weeks or better. When calling capital one they say its transunion problem and to call them. Iv called 3 times now and they won't give me an answer. I was lied to by the second guy and was told I dont have a capital one card and it was a collection from XXXX & XXXX. Later in the conversation he said I had a balance for capital one? I said I paid it in full 3 weeks before due and I have no collection whatsoever and which is it? I dont have a capital one or I have a balance and he simply ignored me. Still dont have an answer why XXXX point drop for using the card. I shouldn't be punished for using my first card and wonder how many people they are doing this to? Very sad, very angry. My life dreams are on hold because of 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 regret to notify you that it truly concerns me that you chose not to solve my identity theft issue on the basis of a purported factual error or misrepresentation. What qualifications give you the right to decide on important facts? You are neither a judge nor a member of a jury, nor do you have any such authority. When presented with an FTC identity theft report submitted through a law enforcement agency ( in this case, the FTC itself ), compliance with the law is required, according the Federal Trade Commission 's ( FTC ) standards. The following account is NOT MINE : DPT EDXXXX XXXX. I'm giving you one more chance to handle my request regarding the identity theft event. If you do not comply, I will be forced to seek legal action in a courtroom environment, where you will be held accountable for the harm done to my reputation, and my credit, and the emotional distress I have had as a result of this situation. It is very likely that the real material facts will come to light and that you will be made to answer for your carelessness

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 2023-11-15
Company: EQUIFAX, INC.
State: SC
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Incorrect inquiries are being reported on my credit report. for the last 9 months I've disputed this false information XXXX times. Spending XXXX XXXX XXXX and hours. 

The companies listed below are incorrectly shown on my credit report Creditor Name 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