BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
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: Investigation took more than 30 days

Complaint:
Reason : TransUnion and XXXX said that they have investigated these two accounts on my credit report but failed to correct inaccurate information such as late payments on XX/XX/21 never receive a response from them until XX/XX/21 30days after the initial dispute. These are the two accounts that list late payments on my credit file Account # XXXX, Account # XXXX, Account Number xxxxxxxx XXXX, and Account Number xxxxxxxx XXXX. I put in a previous dispute online on these two accounts but comes back as verified, I called the two creditors about these issues and ask them to update this on my record but they also failed to do so. I don't think these late payments on these two accounts are right. TransUnion failed to verify.

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 2020-01-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've been a loyal customer with Chase Bank since XXXX. In XXXX I opened a credit card account with them, XXXX XXXX XXXX. I've paid on time every month since then. Except in recent months they've started charging me what seems to be a very high interest rate, fees for a XXXX XXXX and anything else they can think of plus what are now late fees because the fees they are charging have become too high for me to afford. I've called them two times in an attempt to get me on a payment plan to bring the account current and continue to pay off my debt. You know the kind of things a responsible consumer would do. I offered to get a loan from a relative to get caught up and they rejected me. I have had my hours cut at work, resulting in a loss of income. I am a single parent trying to do the right thing here. Chase is unwilling to assist the customers who have kept them in business for many years. I do not think the fees they are charging are even legal or allowed per law. I do not agree that they could charge me a cash transaction fee for a XXXX XXXX paid with my credit card. Complete unfairness!!!! I would ask that your agency review their business practices as I plan to challenge them in any way possible. I've attached the latest credit card statement for your review. I hope you will help me. 

Further, as to my checking account, I called to have my debt card replaced because the magnetic strip was worn out. I never received. After a month, I called to follow up and they said they would send another card out. What they did not tell me is they were going to CLOSE OUT the card in my possession. This is my main checking account. I did not find out my card was useless until I went to purchase groceries and my card was declined, the same day. When I called them to find out the issue that is when they informed me of what they'd done. I was unable to buy food for my child that day and for several days later I had no access to my funds because at the time I was out of state and they do not have branches there. They caused several interruptions to auto-debit payments that were linked to that card causing the payments to bounce or be declined, giving me a bad name. They have caused me tremendous grief, inconvenience and outrage. I demand JUSTICE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: LEXISNEXIS
State: GA
Product: Credit reporting 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:
I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX  XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a {$700.00} American Express Reward Card from employer. Attempted to use online at 3 different merchants. Called Amex multiple times. Each time I'm told card is in a 24 hour waiting period - Or I need to use the card where Amex is accepted. I tried using card with XXXX. XXXX was declined. Amex won't help. Simply says I need to wait 24 hours. Individual stores won't help, say I need to call Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit 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:
I have made multiple payments to my Apple Card, and they are withholding my funds. They will not release them to me although the Money has been taken from my account. They said they can not reverse the charge. I paid a bill on XXXX ( then made multiple payments as i had no available balance and was confused ) then was told that my funds will not be released to my card until XX/XX/19. I have asked to speak to management with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Could not freeze my account. Tried for three hours by phone and electronically. Could log on but could not freeze the account. Company was not helpful. Multiple circular unproductive persons tried but failed and no one could connect me with the right technical support to fix the problem, despite escalating the case. This is a security issue. My accounts were previously hacked and I am an attorney. I need this account frozen when requested and unfrozen at my request when my insurers and creditors need to check credit. 

Transunion is unresponsive and uncooperative. This has been the case for the entire history of the company. Please take action to force them to improve or shut down.

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 2023-12-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX I received several calls from two different XXXX XXXX. The first was from Midland, formerly XXXXXXXX XXXX. I told XXXXXXXX XXXX XXXXhe first time they called I could not receive calls at work that the numbers they had listed was for work purposes only. I asked them to remove the number, it wasn't even to my area. I received a call from a gentleman on the XXXX  weeks later. I answered the phone with the with our company name as required. He asked for me and said who he was with. I told him to removed the number this was a number he shouldn't ever call. At this time I was surrounded by team members. He said he will remove the number but since I was on the phone he wouldn't take long. He began telling me this was in reference to a legal matter. I tied stopping him without alerting the team members around me what the call was about but he continued on for several minutes and I eventually said please remove my number and hung up. I went to lunch and when I returned a Manager in another department asked me if I received my phone call it seemed important when I returned to my area my coworker was on the phone telling someone I was at lunch. When she sat down she told me I had several calls from an attorney in refence to a legal matter. When I looked on the caller ID there was another call from Midland and a call from XXXX XXXX XXXX XXXX She told me they keep calling and I better go handle it. I had to leave work early and I was so embarrassed, I still am. I called XXXX XXXX and at she said she never said that and later in the call she denied even calling but the number is in the caller ID. By the end she said it must have been the legal department. When I called Midland they sent me from person to person and refused to even take a complaint just saying sorry for the inconvenience. They even attempted to discuss the debt rather than give a supervisor. Finally I got someone who said she was a supervisor and claimed she took a complaint but I don't think she did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Accurate Background
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was just told that I didn't receive the job at XXXX XXXX XXXX  XXXX because of an Aggravated Assault from XXXX. I gave consent for XXXX XXXX to do a background check for either 7 or 10yrs. Criminal record from XXXX  and XXXX  was released to XXXX XXXX XXXX  XXXX and therefore I didn't get hired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit Bureaus are destroying my credit history unfairly and unjustified. 
Supposedly by a remark code, which was added to My XXXX XXXX XXXX XXXX. 
I am being Penalized every Single Months for the Same Reason, Although the bank has Confirmed the Absence of Such Remark Code. 
They also Penalized Me With Amounts of Discounted Points, which I Never Receive, After having Resolved These Disputes With Credit Bureaus. 
The Dispute are Completed and resolved every Single Months, But They keep adding the Remark Code, Every Single Months. 
I Need Resolve the Issues, They are Destroying My Credit.

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 2021-10-28
Company: Credit Control, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit control , LLC is trying to collect on a debt that is the was result of identity theft. 
XXXX XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. 
This debt is not owned by anyone in this household. 
Also XXXX XXXX XXXX was told that the account was the result of identity theft.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX XXXX please 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 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 2022-09-12
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/22 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. Remove these late payments because I was never 30 days late on XX/XX/2022 I was only 27 days late XXXXXXXX XXXX XXXX Account Number : XXXX Please submit onto XXXX  Form and please remove late payments under section 1681s ( 2 ) ( b ) 2. This account is inaccurate because according to 15 USC 1666a a creditor can not adversely report to anyone about a consumer 's credit rating because of the obligor 's failure to pay. This can not be reported delinquent to a third party until the consumer has been given the same amount of days to make payment as provided in the credit card agreement. 
By them reporting this to a credit reporting agency is inaccurate reporting and a violation of the Fair Credit Billing Act XXXX  Account Number : XXXX Please Submit to XXXX XXXX and please Delete under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 non-monetary relief
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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:
Inquiries that I did not know about nor authorize. Never sought credit through lender and in case of XXXX XXXX XXXX XXXX was told they worked from 1st credit report they pulled for 30 days and there would not be a second but second pull was done. Other creditors or services I have no knowledge of and did not authorize my credit report to be pulled nor accessed. XXXX inquiry dated XX/XX/XXXX. XXXX XXXX auto finance dated XX/XX/XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: DE
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:
Equifax is nearly impossible to deal with. Their staff are incompetent, I'd be better off asking the wall for help. For the past 5 months I have been dealing with an issue with Equifax. All I want to do is remove an inquiry that does not belong to me ( XXXX XXXX XXXX XXXX , XXXX ). I can't do this because there's a magnitude of things that happen when I try. The Equifax dispute page doesn't work. Whenever I file a dispute or go to view the status of a dispute, I get an error saying " Sorry for the inconvenience, currently service is unavailable. Please try again later. '' When that error doesn't occur, I get listed with questions that are completely irrelevant to me which causes Equifax to completely ban me from submitting/viewing disputes. These things only happen when the actual dispute page loads ( which is rare, multiple computers and connections ). And even when I did successfully dispute the fake inquiry, for 30 days Equifax spammed my email multiple times a day saying they were processing my request. The email listed a long number that has absolutely no use. Thanks for that, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX XXXX of XXXX XXXX, miss billed me for service that wasnt provided and reported my account to a collection agency called Allied Collection Services Inc I was supposed to have two XXXX replaced but they never provided the service. 
A couple months later, I moved to Florida, and never returned to XXXX XXXX. 
The problem is Allied Collection Services Inc has been reporting a fraudulent debt to the credit agencies. Even after the manager at XXXX XXXX emailed me a letter saying that I owned zero balance. In XX/XX/XXXX I disputed the charges and won the dispute with XXXX and XXXX XXXX and they removed it from my credit reports. XXXX XXXX XXXX XXXX continued to put fraudulent amount of money on my credit report because they change the amounts. 
On XX/XX/XXXX Allied Collections Services Inc. re-filed another collection with the same debts but changed the account number. This is a fraud in behalf of Allied Collections Services Inc. as this charge was already proven that I didnt owe anything when they put it in collection in XXXX. I have spoken with them and asked them to stop doing this, but theyre getting around the system by changing account numbers and amounts. 
Please help me report them and make them stop doing this to my credit reports.

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 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Companies Involved : Kohls Credit Card I have kohls credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay 1000s of dollars extra in interest payment. I always keep this autopay enabled for my credit card. 

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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 WAS EFFECTED BY MULTI DATA BREACHES & HAVE THIS ACCOUNT UNAUTHRIZED ON MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A week before my credit card was due I started emailing the compnay letting them know that I could not login. I went through the prompts to reset my account on the website several times. Each time, the system failed to allow me to reset my password. I sent several emails letting them know I was locked out of my account. No one responded. Instead, a week later they sent an email saying I was overdue. But I made several good faith attempts to resolve the issue before this occured. They charged me {$100.00} in fees! 

I want those fees refunded.

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 2023-12-11
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Earlier this year my Paypal account was hacked. I resolved the dispute with my credit card company and removed that card and all my bank details from Paypal. I want to close my Paypal account ( XXXX XXXX ), but they refuse to do this unless I upload photo documentation to their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XXXX XXXX fraudulent applications from American Express was reported to my credit profile, and I never applied for this account this account. I never authorized anyone to apply for credit card in my name. This account was created fraudulent. I reported this to American Express and XXXX and was told I need to contact consumer finance gov. To remove inquiry from profile

Company response to consumer: Closed with explanation