BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Acra Intermediate Holdings, LLC
State: CA
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:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-10-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit 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:
I am a holder of the Chase Mastercard ( XXXXXXXX XXXX  card ). " XXXX '', the partner of the Mastercard, advertized this deal below : XXXX XXXX XXXX XXXX XXXX  returns, from XX/XX/XXXX XX/XX/XXXX, with incredible prix-fixe menus across the five boroughs and exclusive savings for Mastercard cardholders . 

Register your Mastercard now to automatically earn statement credits on qualifying meal purchases and NJ TRANSIT rides throughout the festival. 

Earn a {$10.00} statement credit each time you spend {$45.00} or more on meals at participating restaurants across the City up to {$30.00} STATEMENT CREDITS ON NJ TRANSIT Receive a {$10.00} statement credit when you spend {$20.00} or more on NJ TRANSIT using the same registered Mastercard up to {$30.00}. 

I have an issue with getting rightfully earned credits for the NJ Transit purchases. 
I have made 3 purchases of {$26.00} each in the first half of XX/XX/XXXX. Two purchases on my card show the train station XXXX and the third purchase shows XXXX train station. I have recieved only one credit of {$10.00}, and still missing two other {$10.00} credits for other two purchases. I have been calling their partner " XXXX '' at XXXX XXXX XXXX XXXX numerous times since late XXXX, and even the case number was opened which is XXXX. Everytime I call they are escalating the issue or promise that I will get a payment within 48 hours. I still did not get the payments after 40 days since I started calling them. I have called the Mastercard on XX/XX/XXXX, and again it was the same thing : " We will escalate the issue, and you will get something in 48 hours '' The last representative as well as the previous representatives from " XXXX '' promised to call me back to inform me about what is happening, but of couse they never call back. Please help me to get my {$20.00} ( $ XXXX {$10.00} ) credits. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$6500.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See document attached

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 2023-10-11
Company: EQUIFAX, INC.
State: OH
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 I reached out to the credit reporting agency to dispute the inaccurate accounts, and unfair reporting of personal private information. These accounts are no showing in all 3 reporting agencies and or the amount due are different along with the time of the accounts. This unfair reporting is causing me and my children financial problems, I am unable to obtain a home due to these reports, and they are damaging to my character.

15 USC 1681 section 602 A States I have the right to privacy, it also states a consumer agency can not furnish a account without my written instructions 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate 15 USC 1681c ( a ) ( 5 ) section states ; No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which end dates by more than 7 years These are the accounts that I am referring to ; 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good afternoon Ive reached out to each bureau directly to inform them of Mis information on my credit report. I have requested the original contracts fr the debt collector but they are refusing to follow the guidelines of the fcra accounts XXXX, XXXX, XXXX, XXXX these accounts are not mines and belong tho another consumer I have been affected by the XXXX XXXX breach, I have reached out several times and feel Im being ignored can you please help these inaccuracies are affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wire has been on hold with receiving bank for upwards of 6 months due to a claim being filed and requested a dozen times to be reviewed/cancelled by both myself and 3rd party . 

Funds remain on hold, I am out double the amount for having to pay 3rd party for goods received.

Each time you contact Bank of America, you get nothing. Im in a queue now. The customer service either give you nothing, refuse to help/transfer to a supervisor, it was only until a complaint was filed that i got a return phone call. That was 10 days ago in which they said theyd have a resolution. I call today and the service on the phone had ZERO updates and was so aloof on the phone, naturally, like the others, as if he couldnt care less that this has dragged on for months.

This is ridiculous. At this point, Ill seek legal assistance. Bank Of America is a constant runaround and offers ZERO help to anyone.

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 2023-10-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In my fourth endeavor to resolve this matter, I want to emphasize that this marks my third attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have steadfastly refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: CA
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 was a victim of identity theft therefore i have no knowledge of this debt owed to XXXX XXXX XXXX for {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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:
Equifax is denying me my free credit report and stating I already recieved a free credit report within the last 12 months. I have not recieved a credit report nor requested XXXX within the last 12 months. Additionally, I tried to place a fraud alert and was denied this request as well stating more information is needed to verify me thus delaying and possibly causing more fraud on my credit report. Equifax systematically frustrates any attempt to gain access to a credit report and place a fraud alert on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TN
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: IA
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 my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TN
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
About a month ago, I was looking at my XXXX Performance Savings Account online at CapitalOne.com and I noticed that the " Available Balance '' was a little over {$10000.00} less that the running balance next to my last transaction. Normally, these numbers are the same, unless there is a large transaction that has not cleared. This was not the case, so I called the bank and was told this was nothing to worry about, it was just an error in displaying the information correctly. Today, a month later, my account has the same problem. This concerns me as a former XXXX XXXX because it either indicates that the bank has been hacked or their IT staff is incompetent and have no idea what they are doing. Neither scenario is a good one. I am contemplating withdrawing all money from this bank and moving it to one that takes their online presence seriously. The website gives no email address for complaints, only the telephone number that I already used. I would appreciate it if you could contact someone at a more senior level and make them aware of this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one updated their system and my minimum payment changed, but my auto payment was never adjusted on their end. I had set up my payment to take the minimum due, so that it was never late. They never contacted me and continued to report me late and charge me late fees and interest. I pay my accounts and have them all set up on auto and I am never late. My wife tried repeated times to discuss and get this fixed and they are reporting on me and my wife as being late 30 days XXXX through XXXX. I am going to seek Attorney counsel and legal action if this does not get resolved on both our credit reporting. My wifed has called several times because I work late and I have given them permission to speak to her on my behalf and they refuse to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
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 received an updated credit report on XXXX. Upon reviewing my report I found some negative and inaccurate information on my credit report. I sent multiple letters off on XX/XX/2023 asking for these accounts and my report to be investigated and updated via certified letters and after 90 days they still had not removed or updated the accounts. I then sent out more letters in XXXX, asking for a re-investigation and for inaccurate and unverified accounts to be removed. I don't know if the credit bureaus are working on their jobs, or just blatantly refusing to obey the FCRA, but this is a complete violation of my rights as a consumer. I am by law entitled to a complete and accurate consumer report, and ALL information on my credit report MUST be COMPLETE & ACCURATE. After receiving a new and updated report, I noticed that most of my information is a complete violation of 15 USC 1681 and the credit bureaus have not followed the procedures required by law. I would like this information removed from my credit report immediately. It's clear the investigation took longer than 90 days, or never took place at all. I just want to know how these accounts are verified, updated or accurate if the information is still showing up this way. Please resolve this issue for me. 

Tracking Numbers : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These accounts have incorrect information with late payments, please verify 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have my Amazon store credit card set to autopay my statement balance each month to avoid interest fees. I recently received email marketing from amazon recommending to me to shut off my autopay to take advantage of promotional financing. The email is worded in a way that suggests I've done something wrong and am not getting the best deal by using autopay and paying off my statement balance each month. This is misleading advertising that encourages consumers to grow credit card debt under the guise of a missed opportunity. If I need financing options, I will seek them out. Credit card companies should not be making financing recommendations as they have a clear interest in giving poor advice.

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 2023-10-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE ACCOUNTS IS NOT MINE AND THERE ARE SOME THAT HAVE INCORRECT INFORMATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief