BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-12-14
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail in XX/XX/2023 from Hunter Warfield on behalf of XXXX XXXX XXXX indicating I owe a leasing debt in the amount of {$4500.00}. I requested a validation of debt on XX/XX/2023 and I never received any further communication or documentation from the debt collector regarding the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
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:
XXXX, XXXX, and Transunion have violated my consumer rights under the fair credit reporting act, also known as 15 USC 1681 by publishing these negative items on my report without my written consent. Under permissible purposes 15 USC 1681b ( 2 ) and breach of privacy in which congress set forth for the credit reporting agencies as they are to exercise their great responsibilities with fairness impartiality and to respect the privacy that of the consumer. 

Not only these credit reporting agencies, but these creditors of the negative accounts have also violated these laws as well as also the fair debt collection practices act also know as 15 USC 1692. As they are prohibited to communicate with any third party pursuant to 1692c ( b ). As these negatives on my report are a harm to my reputation and character by defamation. 

Letters were sent certified mail with receipt to these companies on XX/XX/2023. One was received as refused ( XXXX, XXXX ) and still waiting to receive the other ( XXXX XXXX XXXX XXXX ) and its been past 30 days. 

30 days has passed which by law they must respond within that time frame long with the negative items deleted. Not only is XXXX, XXXX in violation of the law to which they were notified about complaint filing as well as process of litigation to seek relief and remedy pursuant the 15 USC 1681n under the fair credit reporting act and remedy and relief under 15 USC 1692k, they and the consumer reporting agencies neglected to respond and make those changes pursuant to 15 USC 1681o as they neglected to respond which further remedy and relief shall be pursued for punitive damages. 

There are also a few other violations that these companies have made that can be provided for further evidence if needed.

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 2023-12-14
Company: CAVALRY INVESTMENTS, LLC
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 contacted Calvary SPV on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a 2-page statement that just shows late fees. Original credit is XXXXXXXX XXXX  and amount owed is noted at {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I disputed a {$2000.00} XXXX transaction that was made after my cell phone was stolen and account with Chase heavily compromised. Several other purchases made with the stolen device were reimbursed, but this one was not. The stated reason was that the device used to recover my account was the same device that had been used before the compromise. That was simply not the case. I had used a device kept for a back up, which had previously been used to access my account, but was most certainly not the device from which the fraudulent payment was sent. Upon receiving the denial of claim letter, I called the customer claim department, was told the reason for the denial, and that nothing more could be done. This struck me as an egregious injustice, and a huge flaw in Chases handling of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: OH
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:
Tried to pull up my Equifax Credit profile on XX/XX/2023 and an error came up requesting that I call customer service, which I did and their customer service dept. wasn't able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I have giving you written unwritten verbal and non verbal per 15 U.S.C.6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Sunlight Financial LLC
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing

Complaint:
I have a solar panel loan with the lender Sunlight Financial aquired by XXXX XXXX for a solar panels on my home. I was mislead by the salesmen and Sunlight Financial to believe I would qualify for the 30 % tax credit for solar energy when I file my taxes. I was told I would qualify for this tax credit and could use it as a voluntary payment towards my loan but it would need to be made by the XXXX loan payment. My issue is sunlight financial released the funds to XXXX XXXX before the project was completely installed. This is causing me to make payments on solar panels that are not functioning. This is also making it impossible for me to claim on my taxes before the XXXX monthly payment because I do not have the permission to operate which is necessary to claim as a tax credit. They released the funds prematurely and now XXXX XXXX has gone out of business as of XXXX XXXX XXXX. I have been getting billed from sunlight financial since XX/XX/2023. It states in my contract that payments will begin after Installation, and my panels were not completely installed until XX/XX/2023. The finance company is refusing to extend my payments to give me the chance to file for the tax credit. I believe they did this on purpose alongside with XXXX XXXX. Both of these companies need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a discover online checking account and was required to submit ID verification form on XX/XX/XXXX. 

For the first ID verification form, I was notarized by one of the bankers at XXXX XXXX and sent it to discover bank via their secure link on XX/XX/XXXX. Later I called to check in my application process and was told that discover wasn't able to verify my form because the banker was on vacation and wouldn't be back until XX/XX/XXXX. 

In lieu of this, I sent out another form to discover bank on XX/XX/XXXX and called on XX/XX/XXXX to request my form be sent to notary department. On the phone call, the agent told me that she would make sure to forward it to the notary department. 

On XX/XX/XXXX, I called again to check my application status and was told by the agent that the notary department wasn't able to verify the form yet because they couldn't get hold of the banker who notarized my form, and the phone call went directly into the general customer service line. 

On XX/XX/XXXX, as of today, I called again to check on my notary verification form and was told by the agent that the second form had not yet sent to the notary department. Astonishingly, she said there were no notes or communication records had been left on her end, except the XX/XX/XXXX call. 

I am more than appalled to learn that my XX/XX/XXXX call and XX/XX/XXXX call went to moot, and two agents, who specifically told me on the phone to forward my notary form to notary department, had just done nothing with my application. This kind of bureaucratic infuriates me more than ever. 

I attached some of the phone calls I made to discover bank, which amount to one hour, yet nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: MO
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:
Like yesterday and every day before Experian at the end of the day starts Closing complaints and didn't address the issues but once again gave a criminal response

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 2023-12-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$100.00} American Express gift card as a gift. I tried to use this card in person at multiple retailers on XX/XX/XXXX and was not able to because it doesn't have a chip. I tried to use it at multiple online retailers on XX/XX/XXXX and XX/XX/XXXX and because it is an " anonymous '' card that you can not tie an address to, no online retailer would accept it. I finally found a tip online from people that have been having this same problem ( for years ) that small dollar amount reloads to XXXX will go through. I was able to move {$50.00} to my XXXX account before the card was shut off with XXXX for suspicion of fraudulent activity. I called American Express XXXX XXXX on XX/XX/XXXX and was told that they can not add an address, they can not remove the block, and that I should just keep trying to use it. I asked for a replacement card and they wouldn't send a replacement card with the remaining balance for the stated reason that I would have the same problem - except it would have resolved MY problem with {$50.00} remaining on the card since I figured out XXXX would allow me to transfer up to {$50.00} off of it before it got flagged. I asked to speak to supervisors 3 times and was denied. I was finally put " on hold '' for a supervisor who never answered. This is a scam and I have absolutely no way to use the remaining balance on this card, they stole money from people and it can not be used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: OneMain Finance Corporation
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
While I was deployed ( XXXX XXXX XXXX ) I called One Main because my pay was getting messed up and I wanted to set up a payment plan with them to keep my account from becoming delinquent. I called them multiple times because they were struggling to understand my situation and provided me with the appropriate assistance to help me in my financial crisis. One Main told me that my account was up to date but still reported that my payment was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: AR
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 am writing to formally register a complaint concerning the persistent inaccuracies present on my credit report with Credit Bureaus. Despite multiple attempts to rectify these inaccuracies, the requested corrections have not been made, and this has had a detrimental impact on my financial well-being and creditworthiness. 

I first identified these discrepancies on my credit report, and since then, I have made repeated attempts to have them corrected. I have communicated with your agency on the following dates and each time I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my efforts, the inaccuracies remain unresolved. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly indicating the inaccurate items. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of payments, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have adversely affected my ability to secure credit, employment, and other financial opportunities, and I expect them to be rectified without further delay. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and updates on the progress of the investigation. Please assist me to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR 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 2023-09-29
Company: Cascade CISS Holdings, LLC
State: FL
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:
A company called Xactus LLC performed a hard credit check on my report on XX/XX/2023. I have neither knowledge nor given approval for any company to do this. I suspect fraud and when I reached out to company it seemed suspicious and like a phishing scam and they were unwilling to give any information out unless I provided them with tons of personal information, which I did not cause they appeared to be suspicious. I looked up the company and they are notorious for pulling hard credit checks without consumer approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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 am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX..... Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Company is blaming a secure portal for misusing and allowing other individuals to access PII

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 2023-09-29
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Macy 's Account XXXX has been incorrectly reporting inaccurate late payment with different months between XXXX and XXXX for ( 4 ) four years. Currently, the three credit bureaus are reporting the following late payment dates : XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX for one late payment. 

This gives a bad and irresponsible impression that I was late 3 different times. As per federal regulations, all claims must be a maximum possible accuracy and a maximum possible completeness and Macy 's does not meet this requirement and should be REMOVED AND UPATED to all three credit bureaus. I've disputed multiple claims electronically from the bureaus and sent a letter and Macy 's keeps denying my disputes, stating that its accurate. 

Today, XX/XX/XXXX, I've spoken to Macy 's and my dispute has been escalated to the " presidential level '', so I am waiting for their response. I also stated to them that this inaccurate reporting as caused harm to credit scores, credit opportunities, and high interest rates.

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 2023-12-20
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closed XXXX complaints yestday and starts today at XXXX closing complaints all complaints closed did NOT address any issues but once again give ridiculous explanations that have absolutely nothing to do with the problem

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft please remove this fraud inquiry 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to dispute inquiries that are reported on my credit report that I never gave consent to. These is a violation of my rights to privacy.

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 2023-12-12
Company: Experian Information Solutions 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:
I opted out of all authorization from XXXX XXXX XXXX XXXX. They are debt collection company which means the debt has already been charged off and paid to the original creditor. This is considered a certificate of indebtedness which is considered income and by law income can not be reported to my credit report. 

Privacy Act of 1974 " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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