BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: WI
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:
I have been trying to resolve issues with this company named XXXX XXXX reporting inaacurate information on my file. I hereby dispute this account on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is continues on complain XXXX. 

After I received email from Western Union executive resolutions department " Please be advised that this wont bring any legal implications to you '' ( email attached ), risk collection department continuously harassed me with emails and phone calls " outstanding balance may be sent to a Third Party Collections Agency and your credit score may be affected '' see attachment. 
After the transaction was canceled by Western Union and money was returned to my bank account, I send this money using wire from the my bank account ( see attachment ) and then 30 days later Western Union ask for the money back, because they may be paying someone in XXXX. If this harassments not stop, I will start complaining in social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Bread Financial Holdings, Inc.
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges. 
XX/XX/2022 XXXX XXXXXXXX XXXX XXXX TX {$94.00} Thursday, XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX {$94.00} I am also unable to use my account and they are changing me interest on the fraudulent charge. I have attempted to call multiple times no one answers, I have sent a request via online- no response and have tried to reach out via social media and private message and was only told to call. They claim they were not hacked but a large group of us were met with fraudulent charges on our accounts during the system upgrade and there has been no assistance for Bread / Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have paid beyond double the principal payment of the loan due to the interest rate of over 700 %. The company still continues to take {$140.00} every two weeks. The debt of the loan should be marked as resolved, but the fees and extremely high interest rates has made it impossible and has caused me a great amount of stress and a personal financial collapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint regarding a dispute with Experian, one of the credit reporting agencies, concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. The following are the details of the inaccurate information and the required corrections : Account Information : Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00}

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX Reported : XXXX XXXX, 2020 {$0.00} Closed + In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-08-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XXXX, I made a {$150.00} payment over XXXX to a close friend, which i authorized. Afterwards chase sent me a fraud alert via text message and called me when I said I did not make the following transations that followed. I DID NOT AUTHORIZE the next transations, and they believed me, and sent me credits back. I asked them to close my account or lock it, and they said they did and to come into a bank Monday. When I arrived at the bank my account was empty again and it was for different amounts from XXXX pay again. They returned 2 out of 5 payments that I was told all went to the same recipient, all 5. They gave me back {$340.00} out of {$970.00} and closed the investigation. I have been calling them almost every day for two weeks and have been into 2 different banks on multiple occasions. I DID NOT authorize these transations and feel I deserve the money returned because I know they have the facts on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
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:
I am a victim of identity theft and this info on my account is incorrect! Please remove these IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a loan with Citibank/CitiMortgage/Citifinancial ( names have changed several times ) back in early XXXX. My family experienced a hardship around XXXX to XXXX and had to file bankruptcy ( XXXX  XXXX ). We included this loan in the plan so that we can pay it back and we were under the impression that it was satisfied as we didn't hear anything else from them once the bankruptcy was closed and satisfied. We realized when we tried to refinance with our current mortgage holder that Citibank charged off the balance of the loan.. My mortgage company requested a letter asking for the amount of charge off and the date it was charged off. They refused to provide the letter and our loan was denied.

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 2019-08-12
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently looked at my credit reports and noticed that US BANK/ELAN FINL SVCS,XXXX .... reported negative marks 30 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by theFTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve

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 2019-08-12
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from OPTIMUM OUTCOMES INC for XXXX XXXX XXXX. 

I have been in XXXX XXXX  since XX/XX/2016, and was just XXXX one week ago. I have never received any correspondence about this bill, how to dispute it, or any info about financial assistance to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: DISCOVER BANK
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They started around the first of XXXX. They call saying they are from Discover Card and want to offer a savings rate for paying debts. I have told them I am already on a payment plan with Discover Card. I also tell them not to call again or add me to their do not call list. They continue to call several times a day. When I try to repeat that I am already on a payment plan and not to call again they hang up. They also try calling under another number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: MD
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, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX  XX/XX/XXXX The Congress has also stated that you EQUIFAX are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
i have closed my wells fargo checking and saving account on XX/XX/2020 then i got letter on XX/XX/2020 from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, GA XXXX ( XXXX ) XXXX it said you have bounce check check # XXXX date post on XX/XX/2020 and said please paid {$5.00} amount and also bounce fee is {$30.00} make check to XXXX  amount {$35.00} I never wrote check so i wen to XXXX XXXX police dept file police report as i have police cases number # XXXX I got call from XXXX  said if you dont pay we will freeze all your account i feel they theat me i keep tell them XXXX   XXXX  in XXXX XXXX closed down store 5 year ago

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 2023-10-09
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/23 I received an email stating that XXXX would be reporting my auto loan payment late if they did not receive payment by XXXX XXXX time on XX/XX/23. I was almost done with a refinance and the payoff was to be sent the XXXX. It was and on XX/XX/XXXX I received an email from XXXX of their receipt of my payoff amount. And indeed when I went to login the account was already closed out. Today, XX/XX/23, I wad notified by my credit monitoring service that bridgecrest had listed my account as 30 days delinquent. I am trying to build my credit to apply for a mortgage and late payments are a huge deal. I entered chat with a XXXX  representative, XXXX and she stated their processing time for these corrections are 90 days. Which is unacceptable for a mistake that their company made. Didn't take them any time to report it late, why can't they remove it just as quickly?

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 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry was posted to my credit report ( XXXX ) on XX/XX/XXXX by Capital One Bank for a credit card application I did not submit. I notified Capital One of the fraud and requested that the inquiry be removed. They stated they would investigate and advised me to place fraud alerts with credit reporting agencies and a file a report at ftc.gov ( which directed me to your agency )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i have had issues with particularly Wells Fargo Bank because they closed my bank without me knowing the reason they did that was because there was too many claims on the account and it was closed permanently and i had to get a new account with a different bank. They financially hurt me really bad by having to look for a bank and handle finding a bank was very difficult finally i found a bank and now all my money is in that bank right now i just have one bank. Wells fargo handled my account unprofessionally and i just was upset how money was being missing and overfdraft fees were added on multiple times so i got that situated finally but that made my account neggative so im hoping to get compensated for all this turmoil wells fargo has caused me. Now that the case is closed in the federal court we can handle this professionally. Im hopoing to get atleast {$10000.00} or about that or around that in compensation for the frustration that Wells Fargo caused me and my business with them. I am XXXX  and this was not handled properly. Just wanted to let you know there is a fair shake claim still active some one needs to respond to that case number is XXXX just wanted to let you know whoever can respond to that would be greatly appreciated thanks or you can respond here it be better if you did both and respond here and the fairshake claim XXXX XXXX in escalations was handling the case earlier but stated it was in the federal court now its not its been closed since XX/XX/23 i just want some one to compensate me for all this trouble that wells fargo has caused so either way you gon na have to respond to to the fairshake claim with the cfpb thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 RE : Social Security Number XXXX Chex Systems , Inc Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy. 
I, XXXX XXXX, demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX 2. My Address - XXXX XXXX  XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

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 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I mailed dispute letters to XXXX, XXXX, and transunion on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have XXXX, XXXX, and transunion remove the accounts I disputed on XX/XX/21.

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 2023-05-01
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:
On XXXX XXXX and XXXX I submitted letters to XXXX  disputing the accuracy of the information on said credit report with said company and this information was not verified by XXXX  nor validated by creditor to said debt to be true and made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express is in violation of my federally protected consumer rights. They will deny it of course but I just had my credit limit reduced. For no reason other than my credit score. I feel discriminated against. I am a consumer with rights and they have violated them. I am being treated less favorably than other consumers due to my credit score. My credit score does not determine my creditworthiness. I have not missed a payment with American Express either. This was out of the blue and is detrimental to my way of life. They are affecting my well-being.

Company response to consumer: Closed with explanation