BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
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:
This is my 2nd 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 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 non-monetary relief
Consumer complaint received 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
There is a Capital One Card on my credit report that was reported to my credit on XX/XX/XXXX. I spoke with a rep back in XXXX to have my name removed from the card as an Authorized User. They assured me that it will be removed. The last 4 digits on the account is XXXX. This is preventing me from obtaining a home loan. I ask that you please look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : 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 2021-03-04
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:
Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX  XXXX XXXX, DE XXXX and to your XXXX XXXX  Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-12-20
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX used to have their own credit card so that passengers could book flights and then make monthly payments at 0 % as long as the balance was paid within the allotted time. A few months back, XXXX eliminated this program, transferred it to Citi AA  Advantage cards, and called XXXX. Cards eligible for this program are found on this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then applied to one of these cards, Citi / AAdvantage Executive World Elite Mastercard to be exact, to use this offer along with other offers. Today, I tried booking a flight 3 times, and the XXXX  option does not appear. Eventually, I called XXXX XXXX customer service, and after XXXX minutes, I was told that I needed to get approval from Citicard. Today, Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX EST, I called Citicard to inquire about adding XXXX  to my XXXX account. The agent who helped me said that the XXXX option is an on-and-off promotion, and I need to check every time I book to see if XXXX is available for my purchase. Nowhere in the application or the website below says this is an on-and-off promotional offer. In fact, it says : " Book now. Pay later. Adventure is calling, and now you don't have to wait. With XXXX XXXX Pay on your eligible Citi / AAdvantage credit card, you can book your flight today and choose a convenient plan to pay over time. Any flight purchase of {$75.00} or more No application or credit check Flexible payment options Continue to earn rewards on your flight purchase as you normally would. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I feel that they misled me with this offer or the agent who I spoke to is not aware of XXXX 

Today, Wednesday, XX/XX/XXXX, I spoke to another CitiBank credit card employee, XXXX, who told me that, indeed, I am supposed to have this benefit enabled and to call XXXX XXXX as this is their issue. She first stated that the Citi Card would break down the cost into 6 payments. Still, when I showed her a flight I booked in XXXX, based on an email from XXXX ( attached here ), and the payments did not break down, she said that it was XXXX XXXX issue of not putting the fly now pay later option on their website. So I keep going back between XXXX and Citi, and nobody has an answer.

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 2023-06-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ I submitted letters to the credit reporting agencies to initiate an investigation into items that are being reported on my credit report that are inaccurate. I either received no acknowledgement of my documentation or received an email that stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This message, and the lack thereof, indicate that these credit reporting agencies received my investigation documentation, yet willfully neglected FCRA Section 611 ( 15 U.S. Code 5 1681i ) titled Procedure In Case Of Disputed Accuracy which states, " In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the ( 30 ) day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' These agencies have also been notified of this neglect which I will be providing documentation for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021, I received a text that said Wells Fargo. transaction pending XXXX if it was me reply to Y or N. I pressed N and sent it. Seconds later I received a call that said Wells Fargo. I answered and the guy said This is XXXX with Wells Fargo this call will be recorded and monitored for security purposes. He said XXXX XXXX i said yes then he said the reason for my call Is because there were 3 attempts to take out XXXX from your checking account through XXXX. Then he said in order to stop the money from being sent go ahead and login to your account and go into XXXX then go settings and then he said there's 2 setting that you see there? i said yes, he said on shouldn't be green so go ahead and disable that setting. Then he said we are going to make you a XXXX account so we can send the money back to you. it'll stop the transaction from being sent out. so, I made myself an account. He said go ahead and act as if you're going to send money from your checking account to yourself so i sent XXXX to the XXXX account I made. Then he said go into savings and do the same thing but whatever you have in savings which was XXXX I sent that to me through XXXX. Then he said that the money will go back into my account after midnight. As i was going to ask a question about the XXXX attempts the guy hung up on me. I called Wells Fargo back and that is when I learned that Wells Fargo didn't call me about the XXXX pending transaction. They transferred me to the fraud department, and I gave them my statement. They told me to wait 10 business days so they can review and determine what will happen. After the 10 business days I called, and they told me that the case was closed, and I'll get a letter. I was also told that I won't get my money back because it was sent through XXXX, and they can't trace those transactions. So, I said Well why didn't you tell me that in the first place instead of giving me hope that I was going to get my money back.

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 2023-02-12
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been double charged in XX/XX/XXXX and in XX/XX/XXXX for past purchases from early XXXX, I have also incurred late charges, interest and decreased credit score. I have tried to rectify this matter with both Commenity Bank and XXXX XXXX and neither has been will to take the time to look into these charges. I have used the card but have never carried a balance forward. All of this started in XXXX when a credit wasn't applied properly. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, 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:
the following items are one my credit report i didn't apply for none of these accounts i didn't use none of these accounts Account XXXX statusClosedDate openedXX/XX/XXXX loan amount XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX $ Original creditor : Account number XXXX Collection opened XX/XX/XXXX XXXX $ Account type XXXX XXXX XXXX XXXX XXXX XXXX Collection AccountAccount number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Bread Financial Holdings, Inc.
State: AZ
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 was contacted from XXXX that someone had opened a CC account for XXXX under my name. I did not open this account. This happened without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with XXXX XXXX XXXX XXXX and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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:
the following items are one my credit report i didn't apply for none of these accounts i didn't use none of these accounts Account numberXXXXAccount statusClosedDate openedXX/XX/XXXX loan amount XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX $ Original creditor : Account number XXXX Collection opened XX/XX/XXXX XXXX $ Account type XXXX XXXX XXXX XXXX XXXX XXXX Collection AccountAccount number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount 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 2022-01-22
Company: WELLS FARGO & COMPANY
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Fraud. You all already know what is going on. There are 30 additional months left on my loan term. Please have Wells Fargo just recalculate the payments for the life of the loan. they have already taken more than enough payments the car is already paid for as they change loan agreements at signing but i dont care at this point they can have my money just make sure they recalculate the payments for the life of the loan. should be around 30/month. please also make sure no one switches my cars the entire engine was new when purchased now it is set on automatic failures. the balance due is around {$900.00} and there are 30 months remaining on the loan. the payments should not be {$160.00} for 30 months.

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 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Someone went into the account via ATM machine and pulled out money on XX/XX/20 ( {$1000.00} XXXX in XXXX, CA & on XX/XX/20 ( {$180.00} XXXX in XXXX XXXX. We called Bank of America to report it and they sent a letter stating that the account or the claim was fraud and if I wanted to request to reopen the claim to call. On XX/XX/20 I called the Bank to reopen the claim and have not received a call nor mail re : reopening the claim. So I have been calling since XX/XX/20 regarding the status of the claim to no avail. I can not reach anyone at the claim 's office of Bank of America. The waiting time is over 2 hours and 3 hours and only then get a recording that they can not take my call at this time and/or the recording automatically hangs up. I can not reach anyone at the claims office. For many weeks, I have made many more attempts to connect but are unable to get a hold of a representative.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX Comment : inaccurate, DATE OPEN, on my XXXX XXXX XXXX and Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my XXXX XXXX XXXX and Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX XXXX XXXX Account : XXXX XXXX, Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account : XXXX DATE OPEN, on my XXXX and Experian report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX- Everytime I dispute with Portfolio the Company raise the fees by {$200.00}. 00, or more after the dispute they lower it to the original amount.

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