BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NH
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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Called and offered a personal loan. After " verifying the missing information, they asked for my XXXX XXXX XXXX user info.I did not give it to them. 

Voice Mail I responded to : Hey hello daya this is XXXX XXXX calling you from Commonwealth Bank and actually this phone call was regarding about your loan app work. You have been preapproved by my bank to get up to {$5000.00} plus loan. Okay so if you're looking for a loan in the market right now so please call me back as soon as possible. Okay and you can call back me at XXXX. I repeat again XXXX. Thank you. You have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Capital One will not allow me access to my statements claiming my account is " restricted '' and they refuse to satisfy my request because my telephone land line number was changed two months ago and put in my spouse 's name. I can not receive statements in the mail and they refuse to discontinue online access. I have no access to my account at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXX Balance : {$28.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$33.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-04-28
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: JPMORGAN CHASE & CO.
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/19 my Chase credit card was charged for {$1400.00} by a vendor in XXXX. I reported to Chase the charge as invalid as I did not incur such a large amount and do not recognize the vendor listed as " XXXX XXXX ''. After many phone calls, Chase said they refunded the charge. Then, they re-charged the charge, and when I called they assured me it had been refunded. But not so, as my statements clearly show the charge is still on my account. 
I have repeatedly asked if they have any documentation that I incurred the charge, and today they said they did not, and that the vendor was not obligated to provide them with documentation. They asked me for documentation, and when I asked what I could provide they said they did not know. 
They continue to direct me to submit messages in their online system. Once I do that and call them, they send a letter saying they closed my inquiry. Today after I pressed them for an alternative for resolution they said I could mail a letter to their Executive Office. 
And so, the loop continues. Now that it has been a year and they have continued to run me in circles I'm reaching out to the CFPB with a formal complaint. Please let me know what options I have to remedy this matter. I am frustrated that it has taken so long for Chase to correct their error ( or the vendors error ), or fraud, or whatever the issue is. I obviously did not spend this amount of money on my card and want the charge removed, as it has affected my credit score, limited my access to credit, and required an over-burdensome amount of my time and resources to continue to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

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: NH
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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX 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 2022-02-28
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had did a hold on my card at two hotels my cars have been on hold for over 27 days and I called the company approximately 10 days after the transaction and they said that it be released within 14 to 21 days it is now 27 days and it is still on hold the company is currently gaining profit from it being on hold with interest which I would kindly like them to credit to my account since they shouldn't have that and how long can a company keeps a hold on funds legally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to the XXXX store to inquire about getting a new XXXX  and new service. When they ran my credit, it showed I already had an account, which is not true. I've never had XXXX before. Not only was it showing an account in my name, but it's in collections. So I pulled my credit and there are several things on my report that are not mine. I reported this to the police and FTC also. Please remove these items as soon as possible. XXXX/XXXX, XXXX/XXXX.XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX  , XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX ( accnt # XXXX ), XXXX ( XXXX accnt # ). The last two accounts didn't even have a name on it just account numbers!

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 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have made a couple purchases with the Bank of America travel rewards that supposedly qualified for the " XXXX '', but were never redeemed. After several attempts to contact the bank for payout, they have repeatedly denied. 

The first one was a brake purchase made from XXXX XXXX totaling {$450.00} on XX/XX/2023. The selected XXXX should have given me {$41.00} back on the purchase. I complied with the requirements that were setforth by Bank of America, however because XXXX XXXX was recently purchased by XXXX ( this is publicly available information ), the credit card transaction showed up under XXXX. I still have the receipt for the purchase, and despite at least 5 calls in to Bank of America, they denied my claim and did not even give me a chance to send them the evidence that I qualified for the deal even though I asked them directly for an email address to send the receipt to. 

The second purchase was a XXXX subscription that I made through my XXXX device. I should have received {$16.00} back on this transaction. Similar to the XXXX issue, the transaction showed up as XXXX on behalf of XXXX. Bank of America also denied this claim because I made the purchase " through my XXXX device '', even though it was directly in the merchant 's XXXX XXXX app. 

In both situations, I qualified and complied with the terms and conditions of the XXXX  to the best of my knowledge and ability. Neither purchase would have been made had I known that I would not receive the total {$57.00} discount. XXXX are quite clearly misleading to consumers and the bank needs to be doing a better job with honoring them or at least taking a little more effort in getting them resolved.

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 monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2023-04-15
Company: Experian Information Solutions Inc.
State: FL
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:
experian is not doing the correct job and protecting as a consumer i have submitted a FTC indentity report and everything and they still allow for this false account ( XXXX XXXX ) be reported on my account

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 2020-03-04
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2022-02-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Citizens Bank stopped billing auto-payments for my XXXX XXXX XXXX without explanation and I am sure in error, threatened my credit score, yet will not provide a means to fix it. 

Purchased XXXX at XXXX store using their annual upgrade program. XXXX employee assisted to set up a Citizens Bank loan and auto-payments from my credit card. Auto-payments worked fine through XX/XX/XXXX. 

Starting XX/XX/XXXX, I received emails ( see attached PDF ) stating my payments failed. There is no reason for it to have failed because I have no issues with my credit card and there have been no changes such as new expiration date. No other payments have done this. 

The exact language was, We were unable to successfully process the scheduled recurring monthly payment for your XXXX loan XXXX. Please update the payment information on your XXXX loan at appleloan.citizensbank.com, or call us anytime at XXXX. 

I have tried getting help via the phone number provided in the email and other Citizens Bank customer service numbers but was unable to connect with a person to learn what is wrong. Over 15 calls and no combination of IVR selections lead to a human. ( Regarding this, their web page contact us was misleading in that it implies getting help from people, not limited to an IVR machine with limited choices. ) As suggested by Citizens Bank, I registered web access to the account at Citizens Bank online account and tried to fix it there. I verified the credit card number was correct, per last 4 digits ( redacted in attached PDF ). The buttons to manage the payment always went to a blank page. I verified my browser reader mode and blockers were off. I finally found a page that worked via the menu. I tried to edit the data, updating the blank CVV field but the continue button was gray and would not function. 

I contacted my credit card company to see whether they could help. They confirmed there is no issue with my card. They confirmed the last payment XX/XX/XXXX was successful. They had no record of any subsequent payment attempt. That contradicts the Citizens Bank record that says an attempt was made on XX/XX/XXXX and declined ( see attached PDF showing transaction declined ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Trying to use the customer chat bot is a joke!! Its ineffective and frustrating. The limitations of its answers are terrible. The answers given are NO help.

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