BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 at XXXX XXXX I purchased three baseball tickets for {$180.00} using Zelle thinking there was some sort of protection for the purchase. Ultimately I was being scammed and there was no recourse available to prevent other consumers from being scammed. Zelle does not even provide an opportunity for the consumer to report fraudulent activity that their service is helping perpetuate. Their automated system hangs up on callers that were not using the app for their service. Even if I was unable to get my money back I wan na do prevent the same fate befalling others. It does not make sense for there not to be a system in place to report fraudulent activity occurring using their service. If an account is flagged they should freeze the account until it can be determined that the person is not performing criminal activities. My XXXX  XXXX directed me to contact zelle claiming an inability to do anything. Both companies claim that they are unable to act anf equate the transaction to cash. The problem becomes that you can report cash thefts to the authorities whereas XXXX and zelle claim to not be the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I called Kohl 's Credit Card Co. because I didn't receive my bill. I told them I had been ill and was not able to call sooner. I was told they would waive the late fee. The following month I received my statement with the late fee charge, I called and explained waive of late fee in XX/XX/XXXX, but was told I was required to pay it in order to be removed. I explained I had a tight budget because of medical bills and was told i had I believe 10 days to pay it or it would be added again. I paid that fee in a few days to avoid that additional charge. In XX/XX/XXXX, I received my statement and there was a late fee again. I called and once again I was told I had to pay it, to not get another one. I explained I had paid XX/XX/XXXX 's before time allowed but it came upon deaf ears. I called XXXX explaining problem and was told to file a complaint. I did and it was forwarded to the XXXX in the area of the credit card company. I received an email 30 days later from a Kohl 's representative who didn't even address the issue, or even seemed to care about their errors and instead told me I did have to pay. I was allowed to accept or reject this response. I rejected and soon after submitting it, I received an email from XXXX saying the case was considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Reliant Financial Corporation
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: Information belongs to someone else

Complaint:
Fraudulent account has been opened up. My identity has been stolen and used fraudulently.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: VA
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 for the third time in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please update these items and correct all the negativity. 
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 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 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 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 2022-09-13
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT SOFI ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT EXOOERIAN DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX  AND CANT MOVE ON WITH MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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:
I am writing to dispute the following information on my credit report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The accounts were discharged because the creditor filed a 1099-C form with the IRS, indicating that the debt was canceled and reported as income. Therefore, this account should not appear as unpaid or delinquent on my credit report. I have enclosed a copy of the 1099-C form as proof of discharge. Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This will be the 5th Collection Company that has tried to collect on a debt that is not mine. XXXX XXXX XXXX continues to try and collect on this bill and have yet after 5 attempts from different collection companies. 

I call XXXX XXXX XXXX XXXX and they informed me that I don't owe them any money. That all of my accounts were paid in full. They further informed me that they don't sell patients debts to collection companies. The only company they work with is XXXX XXXX XXXX in XXXX, VA. They further informed me to do not pay this as its not owed. 

Please Investigate XXXX XXXX XXXX XXXX and Commonwealth Financial Systems for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent the following document/letter to Experian for the following incorrect items they are reporting to my credit profile. ATTENTION : EXPERIAN DISPUTE DEPARTMENT - To Whom It May Concern : Thank you for addressing some of the accounts that incorrectly appeared on my credit report. However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted.These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. XXXX XXXX XXXX XXXX : XXXX - The past due amount reported is incorrect, please delete. XXXX : XXXX - The payment status is incorrect, please delete. XXXX XXXX XXXX XXXX XXXX : XXXX - The first delinquency reported is incorrect, please delete. XXXX XXXX XXXX XXXX : XXXX - The past due amount reported is incorrect, please delete. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Thank you for your prompt a+enXon to this ma+er. I apologize for being so upset, however, your mistakes are causing me a world of trouble. Please DELETE/ UPDATE the above accounts as quickly as possible.

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 2019-07-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I filed a complaint for a card that was opened fraudulently from XXXX. I provided the company with all the information supporting the fraudulent charges and opening of the account. 
I closed the account and after the investigations teamed reviewed it they marked the card valid. 
This is wrong and I would like to dispute this decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, XXXX XXXX, they shared my personal information regarding a debt with my father without my permission. They also sent him an email to his email address regarding my debt. As far as I am aware, this is highly illegal since I am over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Can you update my address and name on my credit profile.

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 2023-08-10
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.

1. XXXX XXXX XXXX, XXXX Acct # XXXX, has violated my rights. 

XXXX. XXXX ACCT XXXX XXXX, has violated my rights. 

XXXX5 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 XXXX 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 2023-02-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$200.00XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 2018-10-16
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello Team, I opened an online checking account with BB & T on XX/XX/XXXX and deposited online {$50.00} as account opening initial funding. 

After 2 days I transferred {$50.00} and {$200.00} from my XXXX Account to newly opened BBT account. 
These transfers did not go through after 3-4 days and I saw those as reversed in my chase account. 
After this I tried to call the customer care but could not reach them due to certain tool related validations. 

I tried calling XXXX XXXX Branch banker XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and spoke to her about the issue. 
she was able to validate and told me that my account is blocked and I should visit nearest branch to verify my identity. 
I visited the branch and showed provided my id details. 
I spoke to Branch Banker XXXX XXXX at XXXX XXXX BBT XXXX. 

She verified my details and asked me to connect back after 2-3 days. 
Today XX/XX/XXXX i visited the branch and spoke to them again. She verified and told me that fraud prevention team does not want to un block my account as my license belongs to XXXX  and residential address is of XXXX XXXX. I gave her all my documents to verify but it is little weird why the bank wont open account just because my DL is out of state. 

I want help here to ensure my account is opened and need a answer from bank on what basis they have rejected my account even after providing all proofs that were asked. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is an account on my credit report from " XXXX XXXX XXXX XXXX XXXXXXXX '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while TransUnion reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, XXXX XXXX  arising from XXXX  XXXX, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a money transfer from my pay roll EFS card to my American Express Bluebird card as I have previously done. I made and transfer of {$11.00} on Thursday that posted on XX/XX/18. On XX/XX/18 I made a transfer of {$570.00} that should have posted on XX/XX/18 but it did not. It still has not as of XX/XX/18. American Express tells me that do not see the transaction but assures me it will be posted to the account once the technical error is corrected in there system. It went from will be deposited in 24 hours to 12 hours to I am still waiting. According to reps I am another the only one. I  have found many complaint posts and the call wait time is always over 10 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief