BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2019-09-15
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Forster & Garbus violated the Consumer Financial Protection Acts prohibition against deceptive acts and practices by making such representations to consumers through its lawsuits. On XX/XX/XXXX I've received doc from superior court of New Jersey from Forster, Garus & Garbus the New jersey firm trying to collect {$580.00} remain balance, Which is incorrect in XX/XX/XXXX, I had sign a Stipulation of Settlement and faxed back to XXXX XXXX from Forster Garus, the Stipulation on the agreement of {$1300.00} I paid in XXXX of XXXX, The Court docs is stating the I defaulted on my XX/XX/XXXX which is incorrect I had completed all payments in XX/XX/XXXX, Also call XXXX XXXX to confirm, Which was confirmed verbally, they are stating that because I defaulted in XXXX I now own {$580.00} which would equal that original amount, If feel this Illegal, fraud and I'm being scam for more money. I have all my bank statement that I completely paid them in XXXX for the amount agreed. I have attachment my bank statement showing payment date and amount, some of the payment receipt from Forster, Garus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: DE
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 XXXX Child Support # XXXX ( Texas Child Support XXXX ), XXXX XXXX # XXXX XXXX XXXX 5326, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello I am writing in regards to capital one secured credit card that I received in XX/XX/2020. I chose capital one because of there credit reputation of helping first time consumers credit. 
However, after receiving the card, which took an extra 2 weeks to receive because they sent the first card to wrong address, I have had constant problems with there company. They do not hold any of there terms and conditions they allow families to sleep on the streets do to refunds on motels being held by XXXX and capital one knowing they would receive a refund they refuse after 16 hours on the telephone to credit account. Upon calling them, know one knows which debt to connect you to, none of t b ere employees have decent customer service and extremely unprofessional, as if they hire uneducated human beings. My husband has been treated extremely unfair as they closed the account on fraudulent admissions of allowing charges not charged by us and they refuse to hear there consumer. We are told he is being sent to collections when our bill was XXXX we have now paid XXXX and they continue to take money out our account can you please forward this matter ASAP as we are trying to build credit not be treated unfairly by capital one. 
Thank you and XXXX Bless MR.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2019-10-23
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The card was open by fraud. I called and explained to the company and credit company that I was XXXX XXXX. My information was stolen and reported. I sent statements to the agency regarding the event that had taken place. Reports filed. The credit company 's removed from my report 30 days later. I received a letter that it was reinserted on my XXXX XXXX. This is a fraud account and I need assistance with problem. I return from was and have to fight to get my information corrected. Please help! Provided XXXX XXXX with a copy of the police report and FTC. Received a letter stating it would be removed from all three companys

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is not thoroughly investigating my complaint, instead they are responding with a generic response which is not relevant to my complaint! 

Complaint : Since XXXX XXXX my uncle added me on his XXXX credit card as an authorized user. 

The account has not reflected on my credit report. I have repeatedly contacted Equifax to be told by their customer service representatives the issue is with XXXX not reporting the account. 

I have escalated complaints with XXXX and after their investigation the account in mention has been reported to all credit bureaus since XX/XX/2020. 

This account is listed on all credit bureaus except Equifax. 

Equifax is not investigating this complaint and is providing me with a generic response. 

As this account is an authorized user account the possible issue is the account is listed with mixed details primary card holder information and my information I AM ASKING EQUIFAX TO INVESTIGATE AND CORRECTLY UPDATE MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Personal information incorrect

Complaint:
My name is XXXX XXXX and there is no third-party involved in this complaint. This complaint is about Equifax and the continued furnishing of false reporting of employment on my consumer report. The employer is no longer being reported by XXXX and XXXX ; it has been deleted from my account. Equifax reported back on XX/XX/2022, that it would be deleted from my consumer report per this Confirmation # XXXX. Please see attached documents for further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: PA
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:
All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. Experian and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.

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 2021-08-30
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: Their investigation did not fix an error on your report

Complaint:
I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : Transunion : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} XXXX  : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX  : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and Transunion 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 non-monetary relief
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On or about XX/XX/XXXX a purchase of XXXX dollars was made via the internet. not using the internet and only using the card at the store once and then paying it in full i switched to paperless billing. a family member used it for the XXXX dollar purchase and not knowing the paperless bill was going to the spam file. after some investigations on XX/XX/XXXX agreed after spending 3 hours on the phone to pay the XXXX bill they told me that they would debit my ATM card for the original XXXX plus interest and late fees. I agreed and told them to cancel my account and I was done with target. on XX/XX/XXXX i again received another bill stating that i owed XXXX sent out from target XX/XX/XXXX after calling them again and spending 2 hours on the phone they explained that i now owed them over XXXX. 
When i looked at the statement they did not as was explained that they would debit my card the original XXXX and after speaking with the dispute dept said that the target rep made a mistake. when asked if i could just pay as agreed due to their mistake the XXXX they refused and stated that i needed to pay XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
Hello - I applied for the American Express XXXX XXXX XXXX on XX/XX/XXXX. At the time, I was in the process of purchasing a XXXX flight on the XXXX website when the offer for a {$200.00} credit + XXXX miles promotional welcome bonus appeared on the check out screen contingent on an approved application for the XXXX AmEx card. 

I fly XXXX frequently and have a few trips coming up where this could be useful so I decided to apply and was approved immediately. The terms and conditions during my application process ( attached ) indicated this offer was " not available to applicants who have or have had this or previous versions of this card ''. As this was my first time having or even applying for any version of the XXXX AmEx card, I had no reason to believe this offer did not apply to me, nor was I told at any point during the application process. I have one AmEx card which I opened in XXXX. It is the AmEx 'Everyday ' card, which is completely unrelated to the XXXX XXXX of AmEx cards. The terms and conditions specified the offer was only contingent on not having any current or previous versions of the XXXX card. 

After receiving my card, in order to get the bonus, I had to spend {$2000.00} and make a XXXX purchase with it. Both of which I have since done within the 3 month timeframe specified. When I did not see the miles or credit appear on my account, I decided to contact AmEx. I initially called in and the representative told me there was no clear reason I was denied the welcome bonus and opened a case for me ( XXXX ). After which, I contacted the chat support function and after a lot of back and forth ( screenshots attached ), the rep informed me that I was denied the bonus because my AmEx XXXX ' card from XXXX had an APR offer and my general history and number of cards with AmEx? However, this was only my second AmEx card ever, and I've never done a balance transfer nor have I ever been late on a payment. 

No where in the advertised promo offer did it indicate an unrelated credit card I have from 5 years ago would disqualify me from receiving this bonus, nor was I ever outright told. I had to seek out AmEx in order for them to inform me of this. 

I applied for this card, had my credit pulled and spent $ XXXX on this card in the belief that I would be receiving the welcome offer which initially led me to apply. I believe this is a case of bait and switch, where I was arbitrarily and wrongfully denied what was initially promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
CAPITAL ONE BANK AND XXXX KEEP VIOLATING THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT-TITLE X.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: CA
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:
I am trying to get my credit score from Experian - Membership ID # XXXX and they keep saying I have no credit score to receive? They keep saying I have to go and open more account? because they need multiple creditors reporting at the same time? I paid a fee of {$8.00} that was charged on my card for this score. on XXXX I called in 7 time and each time they transfer me to a different department asking for my information. After I give it they cant figure out why I cant get my score. I asked to speak with a supervisor and he Explained he would not give any score unless I open accounts. I opened a secured credit card a year ago to establishes better credit. They would not update that information at all unless I have more open accounts? I don't wont to be on the website that disables my freeze & opt out status so creditor offer me preapproved credit cards with there soft inquiry 's that end up on my report. I asked for my personal information, employment history, contact numbers, be deleted for this reason. I am trying to porches a home, but I need to see what is my current score so I can get an interest rate.

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 2022-09-08
Company: Credit Karma, LLC
State: TX
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:
Credit Karma repeatedly sent me emails that my score went up and that I qualified for several credit cards and secure cards to which I would apply to be denied and then find out that score I was provided with was not matching the score from 3 credit bureaus and XXXX, now I took hits to my credit applying under false pretense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I setup a payment plan in XX/XX/XXXX. The payment schedule they agreed to, was never properly followed by Conns. They withdrew monies that went against our arrangements. 

I made an initial payment to them, and I received another settlement offer, despite being on a payment plan. 

I called in XXXX to schedule an arrangement for {$50.00} per month beginning XX/XX/XXXX. Instead of attempting to withdraw those funds for {$50.00} they attempted {$240.00}. They never even attempted to withdraw {$50.00}. 

They have broken agreements and continued to send collection and settlement offers while my payment plan was in good standing. 

I want to resolve this account, but it needs to be done in a way that is ethical and we are on the same page. I am at a point where I do not trust giving my financial information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE THOMAS AGENCY, INC. will not stop calling me to ask for a debt which I do not owe. I all ready filed a complaint and nothing happened, I've tried calling them and they refused to cooperate.

Company response to consumer: Untimely response