BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the attached accounts on XXXX XXXX XXXX XXXX I have not been notified if results, even though some of their remarks stated the bureaus received. I am requesting an investigation regarding errors that are listed on my credit report. The investigation should take place to ensure these items are correctly reporting. I have attached proof to show they are in fact NOT reporting correctly. They are showing to be in Account not disputed status, yet again have remarks of being investigated. This is a violation of my rights under the FCRA. 

XXXX XXXX  showing 30 day late status on paid account on XXXX, but is showing on time and current with Equifax. No last verified date, showing in account not disputed status. 

XXXX XXXX - paid collection should be removed due to full payment. Pay to delete agreement was put in place but clearly was not withheld. No last verified date, showing in account not disputed status. 

XXXX - No last verified date, showing in account not disputed status. Inconsistent last date of activity XXXX XXXX - No last verified date, showing in account not disputed status. Inconsistent last date of activity & open/closed account status inconsistent XXXX XXXX XXXX  - Inconsistent last date of activity, No last verified date, showing in account not disputed status XXXX XXXXXXXX - No last verified date, showing in account not disputed status. inconsistencies in closed/open status

Company response to consumer: In progress
Consumer complaint received 2023-11-05
Company: ProCollect, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I request original copy of account from pro collect I have not received anything I have no knowledge of the account pro collect and would like this account removed immediately

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 2022-10-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-11-02
Company: REGIONS FINANCIAL CORPORATION
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We were working with XXXX to do repairs on our home. They referred us to enerbank to get a loan for the repairs and they called their enerbank representative on their phone to lets us talk to them and apply. It was explained that the loan will be same as cash for repayment until XXXX of XXXX. The interest rate then would be 19.99 %. I work in the lending industry and made sure to confirm that the information was really clear to me before making the decision to move forward with the loan. Our intention was to pay the loan off before interest would be applied. I recently made a larger payment to the loan and decided to review all the statements. This is when discovered that interest was being charged off each payment. I assumed this was a mistake and contacted Enerbank on XX/XX/XXXX to clarify. The representative explained that the same as cash was if I were to pay it off I would pay any additional interest however as I'm making payments interest is still accrued daily. This was not how the loan was advertised or disclosed. We would have not gone forward with the loan or renovation if we had been aware.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had two credit cards with Capital One. One opened XX/XX/2023, one opened XX/XX/2023. I had one returned payment on the older card. Capital One immediately closed it, before I could male a replacement payment. 

Capital One then closed the second, now card, before I even activated it. 

Capital One did not even notify me that the second card was closed. I found out when I logged into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: CA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and 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 accounts 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 this 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 explanation
Consumer complaint received 2023-10-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I requested information twice once in XX/XX/2023 and the second in XX/XX/2023. The company respond only with a validation notice and disregard the information I seek and my right.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are collections accounts and personal information on my credit report that are reporting inaccurately and need to be investigated. I have reached out to XXXX and TransUnion on multiple occasions through the mail and by phone, requesting them to investigate the accuracy of the accounts, and they have not responded or resolved the matter. To be exact, I've sent eight letters in the past 12 months asking for a verification of these accounts. I have not received a response email or letter from this credit bureau informing me that an investigation has occurred or a resolution. Please help me resolve this matter. I am exhausted by this company and highly disappointed in how they are ignoring 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit 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 PURCHASED A RECHARGEABLE BATTERY FOR A RECLINER SOFA AT XXXX XXXX XXXX ON XX/XX/XXXX. IT DOESN'T WORK PROPERLY ( LOSES CHARGE QUICKLY ) I TALKED TO THE PERSON WHO SOLD IT TO ME AND HE TOLD ME THAT THE PROBLEM WOULD BE SOLVED. AND AS OF TODAY, XX/XX/XXXX, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM. I DO NOT WANT A REPLACEMENT. I JUST WANT MY MONEY TO BE REFUNDED. 
Purchase Date : XX/XX/XXXX Sales order : XXXX Customer ID XXXX Store Phone Number : XXXX Sales Person : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. Upon reviewing my credit report, I noticed some inaccuracies regarding late payments that are negatively impacting my credit score.

I understand the importance of accurate and up-to-date information on credit reports, and I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following entries : XXXX XXXX XXXX. XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX. customer service XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service After conducting a thorough review of my financial records, I can confirm that these late payments are either inaccurate or were reported in error. I kindly request that you investigate this matter and, if appropriate, remove or correct the mentioned late payments from my credit report. 

I appreciate your prompt attention to this issue and request that you notify me of the results of your investigation. If the late payments are found to be inaccurate, I kindly ask for their removal from my credit report.

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 2023-11-02
Company: Kornerstone Credit,  LLC.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied for a account with the store called Tire Agent on XX/XX/2023 and got approved with an account with the finance company name kornerstone credit and I was finishing up the contract and when I got to last page it had the wrong physical address and I had did not complete the contract until I talked to XXXX credit about changing the address on XXXX  XX/XX/2023 and I asked the representative did I have to re-apply and she said once approved I didn't have to re-apply again so I was hoping that that could correct the papers before I signed the contract but they come on Tuesday XX/XX/2023 and said I had to re-apply because the computer lost my paperwork and I know that was not right because it was something they could have did without me applying all over again so please look into this because they ain't doing me right about the account they approved me already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have used the personal budgeting/financing app called " XXXX '' by XXXX for years. XXXX includes a Credit Score which uses " XXXX XXXX ''. For over a year now ( I can not recall when this problem started ), this credit score has remained in the high XXXX, but the " breakdown '' section has an error I can not self-correct. I have reached out to XXXX support, who directed me to TransUnion for the error, and TransUnion doesn't see the error ( according to my full credit report ). So this complaint is my last resort. 

The breakdown of my credit score in Mint indicates that my " Credit Utilization '' is 0 % ( " XXXX Credit Score Credit Utilization '', attached ). I have a credit card balance of over {$4000.00} connected to XXXX as well, which refreshes regularly when I make purchases or payments ( " XXXX Credit Card Balance '', attached ). [ Note : these attachments are current as of my writing this. ] It's quite apparent that a $ XXXX balance on a credit card does not equal a credit utilization of 0 %. 

However, my full TransUnion credit report includes the same credit card account and balance ( " TransUnion Credit Report ( XXXX XXXX ) '', attached ). [ Note : this attachment is about a month old, so the exact numbers will not match the rest of this complaint. ] Somehow, both XXXX and TransUnion can see my credit card account and balance, but they're reporting my Credit Utilization as 0 % as it pertains to my credit score. 

As I said before, XXXX directed me to TransUnion support, and TransUnion support doesn't offer me any support options for this unique situation : they only offer me the option to dispute individual transactions on the report. 

The only other information I can offer that might be impacting this problem is that I had a legal name change in 2019. As far as I'm aware, I've updated all relevant agencies ( i.e. Social Security, IRS, etc. ), but I figured I would mention it in case my deadname might be causing any problems with this. 

Thank you for your time in helping me with this bizarre situation.

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 2023-02-08
Company: Block, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I lost my Cash App Card at XXXXXXXX XXXX XXXX and canceled it the next day I was charged twice for a purchase at XXXX & XXXX I made on Saturday and was charged again on Sunday two days after this on Tuesday somebody tried to use my old card on XXXX even though it was canceled. It would've gone through if my card wasn't already locked because me being charged twice on the purchase I mentioned at the beginning of this complaint. If this is not fixed I will stop using their service as I have had problems with payment and other things before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had ( 2 ) XXXX  XXXXXXXX XXXX XXXX accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of XXXX XXXX providinng me the opportunity to rectify the account ; it was sold to Portfolio Recovery Associates. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to XXXX, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( 3 ) credit reporting bureaus listed above. 
Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. 
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Bilt card through Wells Fargo that I use the pay my rent and earn points monthly. On XX/XX/XXXX several charges hit my account that were not made by me totaling XXXX. I called and opened up an investigation and the company removed some of the fraudulent transactions but still left XXXX on the account and will not remove it after a few open claims for fraud. I contacted the merchant, XXXX and they also had no record of the charges attached to my account. They claim by answering their text messaging system asking if a purchase was valid, I am now liable for the full amount. The charges for XXXX hit my account XXXX times within the same second and it is very clear that it is fraudulent. Wells Fargo is holding me liable for a purchase that I did not make at all.

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 2023-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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: In progress