BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Credit Karma, LLC
State: WA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
From XXXX to XXXX, I was involved in th idea that I had great approval odds for credit cards that insulted in many hard inquiries and predatory assumptions that I would be approved. This caused my credit score to not only drop but made it where other financial services would not provide me approvals for low interest loans ect because of the inquiries. Credit Karma created misleading information saying I'll have great approval odds but the truth was I had very little approval odds and was constantly denied the low interest loan or credit card in a higher limit. Credit Karma gave me false beliefs and I have suffered cause of it especially trying to get into apartments, attaining a loan for house and a low interest loan for a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy 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 2022-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USAA FSB ( USAA ) failed to process my disputed transaction with XXXX XXXX, which was submitted on XX/XX/2022. XXXX XXXX ( XXXX ) failed to deliver furniture items that were promised to be delivered in XX/XX/2022, after I purchased items online XX/XX/2022. XXXX was informed in XX/XX/2022 that I wanted to cancel the order and I requested a refund. An XXXX representative confirmed my request, but stated additional time was needed in order to process my refund ( 7-10 days ). To date, XXXX failed to process my refund and that lead to me filing a dispute with USAA. USAA is negligent because it failed to process my dispute. I called USAA on XX/XX/2022, requesting an update on the disputed transaction. The representative did not have any updates on the dispute which lead me to believe nothing was done. Later on that day, I received alerts from USAA informing me that a temporary credit was issued. Simultaneously, USAA sent a settlement letter informing me that the dispute was closed because the " required time frame '' had elapsed. USAA 's actions appear to indicate no work was done in good faith to process my dispute. Rather, USAA simply sent a generic explanation regarding its failure to process my 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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

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 2023-09-08
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:
My right as a consumer is being violated according to " 15 usc 1681a2 ''. In Accordance with the Fair Credit Reporting act, Account Number : XXXX has violated my rights. I have mailed out letters to Transunion as well as called XXXX XXXX to properly investigate an account that does not belong to me. The Tracking Number for the letters mailed out are:XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The credit bureau stated that Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX was properly investigated, however how is that possible when that account is not on any of my other credit report. According to the FCRA 15 U.S.C 1681everything has to be 100 % Accurate. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c-2 also states that " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ''. I haven't given these accounts written permission to furnish these accounts on my credit report. I have the credit report showing the inaccuracies. I am a victim of fraud and I've also attached a copy of my Identity theft 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 2022-02-20
Company: DISCOVER BANK
State: CA
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:
Discover bank is doing fraud with me, they have nothing else to do, I filed a dispute of {$33.00} which was done with the merchant " XXXX XXXX XXXX XXXX XXXX XXXX '', first discover gave me a credit and later after many days sent me an email stating they are reapplying the credit as they need to do further investigation. ( please see attached files, it seems discover ultimately charged me the money ) They first gave me a credit and then doing a debit now and if the investigation will be found in my favor will again give me a credit, why they have to go through all this when they can just give me a final credit after all the investigation is complete. 

this whole process is just to make the customer confused and do fraud with the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : XXXX has violated my rights. 

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 an 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 2018-03-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2018, I received at XXXX XXXX cst I received a phone call from XXXX XXXX at XXXX. I was at work so when answering the call it took me some time to get up from my desk before I spoke. The initial things stated among answering the phone was Hi, My name is XXXX XXXX with XXXX XXXX trying to contact XXXX XXXX. Initially when hearing that I went into alarm. I kept asking who is this with what company and he stated that he would need to verify some information first. I stated no I would need to know with whom am I speaking. XXXX then stated he was with XXXX XXXX XXXX for Ace Cash Express. I then stated hey XXXX you know you can not represent your self when contacting someone and discontinued call. I refuse to disclose information to any one falsely identifying themselves to me. Later that same hour I attempted to call back in hopes that I can at least obtain a company name. Nope! Not to my surprise it went directly to a busy signal the first time. Second attempt went to a voicemail where XXXX just stated XXXX XXXX. And then a third time he answered I disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
This is my Multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX2149****Balance : {$960.00} XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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 have disputed the Collections accounts that appear on my consumer report. All these debts have been charged off, and written off on their taxes which has now become taxable income for me. The Creditors then sold the debts to collections agencies who are now trying to collect from me, which is illegal and each of these companies are now in Violation of the FCRA. I have made several attempts to have these derogatory marks removed from my consumer report, to no avail. Not to mention the fact that two of these collection agencies are not even licensed to do business in my state. ( ~XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am only asking that you uphold consumer law and hold these companies accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in  pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

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 2023-12-14
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a XXXX Credit card with Bank of America. In XXXX of XXXX I used the card to purchase tickets on XXXX XXXX to and fro from XXXX to XXXX for me and my granddaughter. However after reaching XXXX I cancelled the return ticket. XXXX XXXX, as per their refund rules was supposed to give me credit of around {$2700.00} ( business class tickets ). However the payment made by XXXX XXXX XXXX ( USD ) in XXXX of XXXX was allowed by Bank of America to be withdrawn by them ( as per Bank of America when I enquired later ). After so many back and forth and me complaining to Department of Transportation XXXX XXXX XXXX XXXX and with no luck, I closed my credit card account with Bank of America in XXXX of XXXX. DOT took up the matter with XXXX XXXX XXXX but with no luck. Finally, now XXXX XXXX has agreed to give back my money but requested that I get a letter from Bank of America that my account is closed and there are no balances. I requested Bank of America to send me such a letter last week. Alas, they are now sent me a letter that states that I have {$0.00} as balance in my account and my credit limit is etc. etc. instead of sending a letter that should clearly state that I closed my account with them. Now, I do not have an account with them but if I send the letter from Bank of America XXXX XXXX XXXX, they will then say that they have to send the refund to my credit card as it is not closed as per Bank of America letter. Looks like both Bank of America and XXXX XXXX XXXX are hands in glove in depriving my hard earned money.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!

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 2023-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
contacted XXXX to check my credit rating and learned my score is only XXXX because the Capital One false information is still on my record with all the credit companies and this is causing me financial hardships when getting quotes for homeowners and auto insurance. I have refuted Capital One 's claim and they have never provided the one piece of proof that will support my claim that I don't owe them anything. Also, this issue goes back many years to the actual incident. But Capital One has repeatedly moved the date each time they contacted me or their collection agency called me. This process needs consumer financial revision. The game they are playing is against consumers unfairly and shouldn't be allowed. What Capital One has done in this case is ignore the truth. I shouldn't have to hire an attorney to get this corrected. This complaint is on-going and CFPB should step up and make Capital One provide the " recorded conversation between me and their office representative who correctly said I was not responsible and not to worry I would not be charged for the fraud. '' Consumers deserve honest treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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:
I have tried on several attempts to have a falsely reported bankruptcy removed from my 3 credit bureaus.

Company response to consumer: Closed with explanation