BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I mailed my payment to this credit company. They received it on or before XX/XX/XXXX, then delayed in crediting my account until XX/XX/XXXX so they could add a late fee on XX/XX/XXXX. They even lied that they had not received it when I called them on the evening of XX/XX/XXXX, when it had been in they possession for over a week! 

On XX/XX/XXXX, I reminded them that Federal Law require the account be credited on the date it is received and requested they follow the law. The next day XX/XX/XXXX, they replied with a denial, claiming their company policy ( of applying the payment within 5 business days ) is the requirement.

Their admission verifies a violation of Title 15 U.S. Code, Chapter 41, Sub I, Part D, Section 1666c which states in part : Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by XXXX p.m. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof. 

I have a photocopy of my check with their penned noted " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ''. So the payment I sent on XX/XX/XXXX was received on, if not prior to XX/XX/XXXX. Institutional delays and procedures do not trump the Federal Law. 

-Documentation ( including the check, email messages, and phone logs ) available upon request-

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 2023-04-15
Company: EQUIFAX, 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:
Sense my dispute, some one or people got in their feelings and decided to retaliate by making more score go down XXXX points and raise my utilization to 76 % instead of the below 30 %. I really didn't have any faith in the system to do right, to begin with. Its a shame even transunion themselves notice all the issues on my account. They the one who open my dispute on my behalf after looking into my account. Now, the person who handles accounts on the daily says its all wrong, thats employed by the bureau, is good enough for me. XXXX XXXX can see this aint right. Feel free to making up whatever like on the report, truth is I just wanted to leave a paper trail showing everything yall been doing. Main reason I won't be a part of yall RFID chip program. Yall can't get a score right, ill be XXXX if I rely on yall to handle my affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023 I was bnuying tickets on Delta Airlines. As I was moving through the online purchase, an offer for a American Express Gold Delta rewards card promotion appeared, offering {$300.00} off a {$1200.00} ticket price. I chose to apply and take advantage of the offer, lowering my total airline ticket price to around {$900.00}. I was approved and sent back to the Delta website ; however, there was a problem completing the transaction. I had to re-enter the flight information and this time there was no more promotion price, as I had already applied and was approved for a Card. 

After contacting Amex, they said they would be willing to open a ticket to research the marketing offer but they wouldn't guarantee to honor the offer. I chose to immediately close the account because it felt like a bait and switch. They get me on the hook for a marketing offer, but then due to the hiccup of Delta 's website, but don't follow through. Very deceptive, and worthy of a review of their marketing practices as it pertains to another party 's website being able to properly fulfill on the promise made by Amex. They should have honored the request, no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Company: ZIONS BANCORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Mentioned over draft fees for Cal Bank Trust checking account Caller ID under Zions Bank Phone number 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 explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: FL
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 I mention below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX XXXX : Account # XXXX, and Account Name : XXXX XXXX : Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have the right 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. 

15 U.S.C. 1681c. ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

15 U.S.C. 1681s-2 ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors- States that 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. 

I've sent multiple notices and have opened multiple disputes.

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 2023-02-23
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a pending charge from an online transaction that I didn't order. The amount was overcharged and it lowered my funds. But never over drafted my account. The transaction was always in pending. However my bank First Citizens Bank charged me an overdraft. Finally the pending charge just fell off. I tried to go to my local branch and was treated rudely by someone who I assume was some middle management. She said it wasn't their fault and she would have to see. A couple days have now passed and the funds have not been restored. It was bordering on fraud from both the company who tried to charge me and the bank who did charge me an overdraft that was never in the negative. And they will not refund it. This is the first time I noticed this action. And I wonder if it had happened before. I suspect yes. I should have been taking better notice. Also since I have been charged theNSF fees before they now hold my check stating that is for my benefit to be sure that my employers check clears. Which is hogwash. Its just a way to punish me for being poor. And I told them that. They are hardly ever friendly when I try to explain my issues with them. I have never had a bank treat me this poorly. They never take responsibility nor do they seem to care. And most likely I will be terminating this account sooner than later. I just ran across this link while looking for new banks so I thought I would send the information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 XXXX  Account # XXXX, XXXX XXXXXXXX, Capital One and XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 states " I have a right to privacy ''.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definition ; rules of construction - Exclusions. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: MS
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Ability Recovery Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
on XXXXXXXX XXXX XXXX I opened a account trying to finish my education with XXXX XXXX but couldn't because I was being XXXX XXXX XXXX XXXX XXXX and had to move and file a police report lost everything including my XXXX XXXX  and losing my apartment 3 months later I couldn't pay to finish my education I had to put everything on hold and get me and my kids to a better place I called an told them this but no one wanted to listen I even send letters and proof of what was going on they still charged me and left me with a balance of {$350.00} and as up today the account still say opened and its suppose to say closed and removed I tried calling them and they told me to call a 3rd party who owns the account which doesn't make any sense

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 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted at work by someone at XXXX XXXX XXXX about a credit card debt XX/XX/. They also did not send a letter of verification to verify the debt before filing a lawsuit when I asked for it. The charges state in the suit that the card was charged off and no debt owed yet they are trying to garnish my wages anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Credit Acceptance offered me a settlement in writing XX/XX/2022. I sent them a check XX/XX/2022 to settle the account in full for this subprime loan. The letter gave me 90 days from the date of the letter to settle the account. Now they are trying to re-nig on the settlement and file a judgement. I want them yo honor their settlement arrangement.

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 2023-04-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NY
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. there are items on my credit report that I did not open or authorize.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: NH
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 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 explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$5200.00}

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 2023-02-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also XXXX XXXX as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-08-15
Company: EQUIFAX, INC.
State: FL
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:
The company listing below unlawfully disclosed private, personal, confidential information to Consumer Reporting Agency. violate the FCRA privacy Company : XXXX XXXX XXXX Account # XXXX Reporting date : XX/XX/2019 violated the 15 U.S.C 1681 share my personal information without my consent An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully. 

" Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: VA
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:
This is a follow up complaint to the original complaint that was incomplete. The credit agencies are all reporting inaccurate, incomplete and false information. I have made several attempts to have corrected. I have submitted all requested documentation along with disputes to no avails. The inaccuracies are costly, costing me thousands of dollars a year in interest and lost opportunities. It is my right as a consumer to have accurate data reflected on my report. 
The Public Record item and account claims listed are deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears the reporting agencies do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that are prepared concerning me. The prompt attention to this important matter is requested in order to comply with federal law.

Company response to consumer: Closed with explanation