BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: AMERICAN EXPRESS COMPANY
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:
Case : XXXX AMEX closed my case without giving me a reason. I made a this complaint about an offer made publicly online and not honored. Please see all documents attached. 
I called AMEX ( XX/XX/19 XXXX Eastern Time ) and spoke with XXXX ( XXXX ) and later his supervisor XXXX XXXX XXXX gave me his email so I could send him my evidence, this email 's attachment. His supervisor hung up the phone. XXXX insisted that I have to spend {$600.00} in order for AMEX to honor the offer. As you can see on the attached document : TERMS, CONDITIONS & DISCLOSURES, this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was told in XX/XX/XXXX that I would not be allowed to have a debit card for a year because of a county activity with my debit card. Last month in XX/XX/2020 my husband was notified of the same thing. I attempted to appeal the decision they denied it. The nearest navy federal credit union branch is over an hour away from my house. They informed me that I can write checks or with draw cash at my nearest credit union. Given the corona virus and that the virus is transmitted easily no one want you to use cash. This is why I appealed to navy federal they still denied my appeal so though I have money in my account my options are to wait 3-5 days for a transfer or drive an hour away with XXXX kids XXXX and under and take them inside to the nearest branch every time I need money. That isnt safe or even do able for my family on a normal day let alone in the middle of a pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Wallet was stolen in XXXX XXXX, FL a report was made in 2010. And now I have a debt to Capitol One

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,. XXXX, XXXX,. XXXX,. XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXXXXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports., 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 gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX   XXXXXXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXXXXXX XXXX  XXXX My phone number is 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 2022-07-05
Company: EQUIFAX, INC.
State: TN
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:
In XX/XX/2021, I visitied XXXX  and XXXX XXXX XXXX with insurance. Neither health centre filed invoices for my visits against insurance. They reported invoices as unpaid to XXXX XXXX XXXX. 

Following months of trying to have the invoices correctly filed to insurance, I engaged the help of the Head of the Department of XXXX. His engagement resulted in the invoices filed correctly to insurance and a letter of apology. 

I have tried to have the erroneous credit entry removed with success, except for my engagement with Equifax. 

Equifax refuses to engage with XXXX XXXX XXXX and present the physician 's letter of apology. Whereas the other two credit reporting agencies correctly engaged with XXXX XXXX XXXX and removed the erroneous entries, Equifax takes no action, stating that the entry is correctly reported. The reference numbers for my effort to resolve the situation with Equifax are : XXXX, XXXX, XXXX, and XXXX. 

Before contacting the credit reporting agencies, I contacted XXXX XXXX directly. XXXX XXXX declined to remove the erroneous entries. XXXX XXXX may be contacted at : XXXX XXXX XXXX ( XXXX ) XXXX. 

The erroneous hospital invoices are : XXXX XX/XX/2021 for {$160.00} XXXX XX/XX/2021 for {$1200.00}, and XXXX XX/XX/2021 for {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Incomm Holdings Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My son purchased a visa gift card ( Vanilla ) for my birthday from the XXXX XXXX XXXX  in XXXX, WV in XX/XX/2021. I checked the balance online on XX/XX/XXXX. The balance was XXXX . I tried to pay for a purchase in XXXX, TN on XX/XX/XXXX. The card was declined because there was no balance left. I had not used the card for anything. I immediately contacted XXXX and filed a report. They told me it may take up to 90 days to rectify the situation. In XXXX they informed me that there was nothing they could do. So ultimately we lost XXXX $ by purchasing a Vanilla gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: LEXISNEXIS
State: OH
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 I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete the following : ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE 27 INQUIRIES ON MY XXXX AND TRANSUNION REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED XXXX AND TRANSUNION SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.

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 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$34.00} Debit card was used to purchase tickets without permission Called company and they will not refund money. 

Called bank and they will not refund the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I am here to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to Experian, XXXX, XXXX, and related companies to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I could not find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2018-01-04
Company: EQUIFAX, 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:
I disputed the reporting of XXXX XXXX XXXX reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, Equifax, XXXX and XXXX XXXX XXXX and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
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: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A XXXX XXXX XXXX card/XXXX XXXX card was applied for X/XX/2016 however the application was not approved but the fraudulent inquiry was found on her Equifax credit report. A dispute of this inquiry was sent to XXXX XXXX XXXX as well as Equifax however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
There is a collection account on Equifax with my name, in which is being reported inaccurate let alone no inquiry to support its a legitimate account of mine. Account has no inquiry to support the account. Due to error and inaccurate account Equifax has failed to provide information of proof account belongs to me. Equifax has no document or contract to verify the account. Ive reached out on numerous occasion by phone to Equifax and they have transferred me to different departments in which there staff has not been pleasant to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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:
Due to a hardship I fell behind on my credit card payment to XXXX XXXX XXXX  and without notice XXXX XXXX XXXX closed my credit card account. Unfortunately, after closing my account XXXX XXXX XXXX transferred this debt to XXXX XXXX XXXX and is now reporting my closed credit card account 3 separate times on my credit report. I have contacted them several times to dispute these items, but have only gotten a response saying the debt in valid and these 3 accounts are still reporting on my credit report and affecting my credit score. It is my understanding that a company can not report one negative account multiple times on my report? I am asking for these accounts to be removed/reported accurately. This would help me tremendously in building credit worthiness. I do plan to setup a payment plan to pay 20 % monthly until the debt is paid in full when XXXX XXXX XXXX   reports my account information accurately.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 CreditBureau 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2019-09-27
Company: Avant Credit Corporation
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 is missing that should be on the report

Complaint:
on XX/XX/2019 certified letter XXXX XXXX XXXX XXXX XXXX was mailed to Avant on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/2019. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the  required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
they wont let me pay it off it was a bill that when i tryed to pay it they just added it to the bill it started 250.00 i payed it off when it went to 0 $ it went right back up then it kept on addking. i want the account closed and 200.00 for my time troubles. if this doesnt work ill take them to court thats my next move. thank you for your time its a capital one account all my cards were stolen the last 4 numbers on this card is all i can remember XXXX, they wont even let me in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: MD
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 Experian Credit Bureauthe 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 Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-10-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Experian and XXXX on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my priorCOMPLAINT # XXXX and XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}

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