BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 : Account # : 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 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: DISCOVER BANK
State: TX
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 THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened an Apple Card through Goldman Sachs on XX/XX/2023. I was given a {$10000.00} credit limit and began using the card as my primary credit card while on vacation. I charged about {$3500.00} in purchases, well below my limit and paid the card off in full well before it was due. Without notification or explanation my account was restricted. I was rejected from using the card for any purchase. I contacted customer service on XX/XX/XXXX to find out why my card was restricted. The representative could only tell me it was under review and that they would escalate my concern. I contacted them again on XX/XX/XXXX and XX/XX/XXXX and each time I was told the same thing that my request for an explanation could not be addressed by them and they could not get a supervisor on the line to explain. I can not understand why I would be denied credit after being extended a credit card with a significant limit that I promptly pay. This is terrible customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A company called XXXX charged my account XXXX usd on XX/XX/XXXX at XXXX XXXX I have never used this company or service so I contacted my bank a few minutes later and disputed this transaction The bank ( chime ) asked me for documentation proving this was unauthorized and I said that I didn't know how to prove money was stolen from my account other than the funds being missing and me knowing I didn't spend XXXX XXXX they advised me to file a police report wich I did then my bank canceled my card after verifying I had not lost my card and it was still in my possession. I got a letter after requesting a reason why they denied my claim and they basically said in the letter that nothing looked out of the ordinary and that because I used a basic bank function prior to the charge wich moved money from my savings to my checking account that they believe I anticipated the charge and therefore it must be legitimate. The bank ignored my other evidence I submitted that this is a scam ie, the phone number is unreachable and the company is not on any XXXX search after I have attempted to connect with the merchant over 12 times no response. The bank didn't investigate the merchant or attempt to contact the merchant they only did a half assed look into my spending and determined it's not unusual and deneyed my claim. This is I believe unfair and poor practice and hardly can be called a investigation into my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Pursuant to NY XXXX XXXX NY XXXX XXXX Capital One failed to honor XXXX Complaint Report XXXX South Grand Larceny Case XXXX XXXX XXXX ; further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023. 

Capital Ones legal representation called XXXX XXXX, XX/XX/2023 at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I am pleading the CFPB order provisional payment over {$10000.00} for their negligence to prevent XXXX XXXX , from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: SC
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.in accordance with the fair credit reporting act XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: WA
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:
hello, I have tried to fix my credit report on Experian, Report Number XXXX Date Generated XX/XX/2023 my credit report from Experian includes my husband XXXX XXXX card debt under my name. have requested Experian to take my husband XXXX XXXX  debt from my report but Experian has kept saying that XXXX is my credit card. XXXX fixed this issue but Experian can not get the right information.

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 2023-07-06
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i opened a checking account with Citi bank. a few weeks later the blocked the account and put it under investigation. This could've happened in XXXX XXXX. They said my account will be closed in 60 days and that whatever balance I had with them they will mail a check. well now it's XX/XX/XXXX, and the account was not closed yet. after so many attempts to call them and close it im just leaving it up to the cfpb now. I don't remember my debit card number or account number with them but they can access my account with my SSN number which is XXXX... hopefully, this could finally get the account closed and my funds sent out to me

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 2023-06-09
Company: Jacob Law Group, PLLC
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX a credit card was opened in my name, With XXXX XXXX.That I had no idea that it was on my credit report, this account was opened for 2 years until the payment stopped until I went to purchase a home and was required to go to credit counseling for unresolved issues.This is when the matter comes up in XXXX of XXXX, advised by the credit counselor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told us to get a copy of the judgement that went to court in XXXX of XXXX! upon getting the info and contacting Jacob Law Group, I filed a police report and faxed it over to them and they are going to proceed with the garnishment back as stated from XX/XX/XXXX!! My credit advisor advised me that the statue of limitations is 3 years in Mississippi and that they could not garnish his wages.and I was advised to contact to you for solutions.I tried to pay the debt as well, so that I can proceed in my home purchase and try to retain a lawyer later if wrong doings or involve, but Jacob Law Representative said they could not provide proof of the payment until 30 after being paid.Balance of credit card statement is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I HAVE BEEN A WELLS FARGO CUSTOMER FOR MANY XXXX AND EVERY TIME I AM OVERDRAWN ON MY CHECKING ACCOUNT, THERE IS A {$35.00} XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax keeps violating the laws! I show them on multiple occasions and plenty different ways how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I have uploaded documents as to how Equifax has not been following the XXXX XXXX compliance which are the laws they set in place to govern their business and how they are violating the FCRA which is actual Federal Law! According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission to furnish anything on my consumer report. 
Equifax stated in their response XX/XX/XXXX that they performed an investigation and the debt collectors has verified the accounts on my behalf. Equifax has not explained how they performed the investigation, what information did the debt collectors give XXXX to verify the accounts, who did " Equifax '' talk to from each debt collector, how did Equifax verify that the information from the debt collector was correct and not false, how did Equifax make sure the debt XXXX records were accurate as well? 

15 USC 1681 ( a ) ( 4 ) states 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 Equifax has not being doing this at all. Instead, they did not respond to my CFPB complaint on XX/XX/XXXX after I keep showing proof as how to how they have violated me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: HEARTLAND PAYMENT SYSTEMS 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: Investigation took more than 30 days

Complaint:
I have a private loan with XXXX XXXX XXXX XXXX. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XX/XX/2022 currently having a total past-due balance of {$720.00}. 

I was not informed that this type of loan was not covered under the XXXX XXXX XXXX XXXX XXXX XXXX. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a XXXX XXXX and am currently submitting a deferment document to the lender. I called the current lender ECSI requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, and yet those original documents can't be provided to me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Account number XXXX Open/closed Open Account number XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX IN XXXX FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: AR
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 : Account # : 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  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 instruction 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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL 3 CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. XXXX STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH TRANSUNION WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I decided to close my account, which was in good standing and had a credit balance. 
Using the phone app I tried to close the account. The app would not allow me to close the account. 
Using the latest credit card statement, I looked up how to close my account. 
I was directed to a customer service number. When i called the number I was put on a very long hold. I could not wait on hold that long, so I decided to write a letter. 
I wrote a letter requesting the account be closed and that my credit balance be refunded to me. I cut up my two copies of the credit card, taped them to the letter to return them and sent the letter by USPS, certified. 
It has been 3 months and I have not yet received any response to my letter. 
According to my phone app the account is still open and my credit balance is still there. 
With any other credit card company, most credit balances are refunded immediately. 
I do not see why this company has not closed my account as requested nor at the least refunded my money. USPS tracking indicates the letter was delivered to the company on XX/XX/2023. 
I would like to see my account closed as requested, my money refunded, and an interest rate charged for the use of my money equivalent to the interest rate this credit card company charges me for the use of their money, which, according to their statement is 25.74 %. 
Attached are copies of my letter, the latest statement that I attached with the letter when I sent it, proof of certified mail, and proof of delivery according to USPS tracking website. 
Please intervene on my behalf. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MO
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: Problem getting your free annual credit report

Complaint:
Im having trouble receiving my consumer report from equifax. On XX/XX/2022 I call Equifax to get my consumer report mailed off to me and they told me they couldnt do that because they needed a cover letter, Social Security and my driver license so they can send my summary report. I also send attachment of my ID social and a cover letter to them so I can get my consumer report.

Company response to consumer: Closed with explanation