BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: Credit Corp Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

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  Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CITIBANK, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I AM NOT SATISFIED WITH CITIBANL I ASKED WHETHER I AM ENTITLED TO A REFUND. THE FOLLOWING IS WHAT HAS HAPPENED. 

1. CITIBANK ADVISED ME BY E STATEMENT WITH WRONG INFORMATION THAT ABOUT MY CREDIT CARD ACCOUNTS. THEY SAID I HAD TO MUCH EXCESSIVE POSITIVE ACCOUNT IN MY CREDIT ACCOUNTS AND CITIBANK WOULD LIKE TO TRANSFER IT TO ME. I REJECTED THE TRANSFER AS I NEVER HAD MADE EXCESSIVE PAYMENTS CAUSING MY CREDIT CARD ACCOUNT TO BE POSITIVE 2. I SAW IN MY XXXX A MISSCALL ON XX/XX/XXXX AT 22- 23 HOURS FROM CITIBANK INTERNAL INVESTIGATION TEAM WITH NO MESSAGE I RECEIVED AS I ALREADY SLEP. 
3. I MADE THREE ENQURIES TO XXXX you have questions about whether you are entitled to a refund, K AS SUGGESTED 4. I RECEIVED THREE MISSCALLS YESTERDAY 5. I CALLED CITIBANK AND ASK IF I AM ENTITLED THEY SAID IT IS BEING PROCESSED. ND OTHER OPERATOR OFFERED THEI SERVICES. I  SAID I AM NOT DOING ANYTHING AS INSTRUCTED

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 2020-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Quicksilver credit card on Capital One 's website on Friday, XX/XX/XXXX. 
Their website clearly states a promotional offer of a {$150.00} sign-up bonus for new card holders. 
After applying, Capital One ran a hard inquiry on my credit, and then offered me almost the exact same card, but without the {$150.00} sign-up bonus. The purchase rate and transfer info rates were slightly different as well. 
My credit score is excellent, and clearly they are generally fine with providing me the credit card given the " adjusted '' offer, so it is not an issue with my credit, but rather a decision to remove the sign-up bonus from the equation. 
I believe this is misleading to the consumer. I would never have applied for the card, if not for the promotional offer, which was then denied to me after hurting my credit score. 

Not only that, but I then tried to call the company, and their handling was abysmal. Their credit card department was not taking calls about new applications, so I spoke to the general customer service department. I was told that no one at the company could even answer my question about whether a hard inquiry was run and I had to check this for myself. Since the credit card department was not taking calls, I was told I could not get any other answers about their credit card products/services on the phone either. 
Finally, I asked to speak to a manager as I wanted to escalate the issue. I assumed there must be someone at the company I could speak to on the phone who would be able to answer my questions. Instead, I was hung up on. 

Their approach is directly against any fair consumer laws. 
They have misleading advertising. 
Their hard inquiries following the misleading advertising hurts consumers ' credit scores, while not providing what was advertised. 
And their customer service policies seem to deliberately avoid answering consumer questions and providing an adequate solution to the above. 
I hope this complaint helps other potential consumers of Capital One 's products and services in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: MA
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:
Hi XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I opened a merchant account ( payment Processing ) with Chase. Hoping that they would be honest. I collected {$1900.00} between XXXX transactions and they kept the XXXX. I called them 3  times and they told me they would return the money from XXXX to now. they still havent return the money. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  and to be out XXXX has caused my family alot of grief. I like chase because they have been a good bank to me but to hold on to my money for XXXX  month is crazy. I went into the bank and they said another department handles this. Kindly return my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I used a benefit on my debit card for XXXX XXXX or Satisfaction Guarantee. XXXX XXXX XXXX XXXX instructed me to send in the " salvage item '' in order to complete my claim. I sent them the salvage ( watch straps ) on XX/XX/2023. I also sent XXXX proof of delivery. Since then, XXXX has not acknowledged receipt of the watch straps and continuously sends me reminders to send it in. I have sent them proof of delivery to the address they specified numerous times. I also called their customer support and provided all requested documentation and was assured the issue would be escalated and resolved. That has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase has denied me access to my account multiple times. The first time happened in  XXXX  in which it took 4 days to get a response back from customer service. When they responded they said that the issue, which was a " email rejected by my mail server,  XXXX  '' was fixed and I would not experience the issue again. It happened again on  XXXX   XXXX . I have n't heard back from customer service even though inhale left repeated emails, phone call messages, and social media comments on the channels they recommend. Their support system purposes does not address the issue and they denying of my access has resulted in  10,000 $ + of lo st revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CBC Companies, 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:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE HOSPITAL AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE FTC WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: AZ
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:
DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Attention : XXXX XXXX and Equifax Dear XXXX XXXX, and Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : Equifax Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : XXXX Made by : XXXX XXXX Made on : XXXX 2019 Made with : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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 am a victim of identity theft. I have previously disputed with ChexSystems and have included new information in this dispute. I have attached a copy of the police report I filed. 

The following inquiries were not authorized by me and I request their prompt removal. 

XXXX XXXX XXXX Date : 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 The following addresses are not associated with me and may be the result of fraud. I have included a copy of the police report showing where my identity documents were stolen. Previous disputes submitted to ChexSystems did not result in the deletion of these fraudulent addresses. Identity thieves are using some of these address to open accounts that are not associated with me and ChexSystems now has notification that these addresses are not mine. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX null XXXX, TX 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account name : XXXX XXXX # 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 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 2023-11-19
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I notice some unauthorized inquires on my report. My auto loan of {$20000.00} is paid off already in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
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: Was not notified of investigation status or results

Complaint:
I sent a letter to the bureaus about some items on my credit report on the 3rd week of XXXX that I don't recognize and I wanted to validate if they were mine. I haven't gotten a response from them after 30 days so I sent them more letters to give them a chance to get back to me and verify the information they put on my report or else they would have to delete it. I take my credit seriously and it has a huge impact on me and according to the FCRA their failure to respond to my disputes is a violation of my rights.

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 2022-02-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Have wind and hail policy and the mortgage company is not recognizing that even after my insurance agent sent them proof and this happened last year I they took money from my escrow to buy a 2 week policy even though I had a policy and here we go again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and TransUnion credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit score has been drastically lowered by XXXX and trans union even though there is no derogatory info on credit report and last hard inquiry was from XX/XX/2022 by a company I dont know of and to my knowledge did not authorize to run 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 2022-02-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attatched are the letter from the manager at XXXX XXXXXXXX and XXXXXXXX stating she would remove n delete the wrong info from debt from them to XXXX  equifax and XXXX. After i have already paid the XXXX $ as of today. attatched is the official letter from manager XXXX at XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Recently my credit limit was lowered based on wrong information on my  XXXX   XXXX  credit report. My credit report has since been corrected and the reasoning for lowering my  credit score  is not valid.

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 2021-05-23
Company: Resurgent Capital Services L.P.
State: LA
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 all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection.

I can prove to you that the debt buyer LVNV Funding LLC has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I call they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit.

I've complained to all 3 Major credit bureaus with no luck.

I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.

Company response to consumer: Closed with explanation