BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting two separate conflicting accounts on my XXXX, XXXX, and TransUnion credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX XXXX  I called XXXX on the phone number listed on my credit reports for both XXXX  accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX account in the past with XXXX, TransUnion, and XXXX, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX, XXXX, XXXX, and TransUnion are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, TransUnion, and XXXX credit reports immediately. I have attached a copy of my credit reports with both XXXX accounts listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquiries which are fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: American Credit Acceptance, LLC
State: TX
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:
I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ( AMERICAN CREDIT ACCEPTANCE XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with XXXX XXXX. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital one credit card charges the customer a {$40.00} late fee if the payment isn't made by a specific time on your bill due date. When I call them their customer service agents are very rude and unprofessional ignorant individuals who claim there is nothing they can do. Who is this company to tell a customer what time of day to pay their bil?? I believe these charges are not legal and hope a resolution can occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion continues to report on my credit report the XXXX XXXX accounts # XXXX and # # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated these accounts and found that they were opened fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed TransUnion to remove these accounts from my credit report due to this fraudulent activity. Unfortunately, TransUnion continues to list these accounts on 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 2019-11-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express markets the American Express XXXX Business Credit Card as {$95.00} per year with a benefit of receiving 1 Free Nigh Award on your Card account anniversary. However, American Express has changed their terms and conditions to state that the benefit will be issued XXXX after the card account anniversary at which time the customer is also responsible for paying an additional membership fee of {$95.00}. This fee is not refundable after 30 days of being issue thereby requiring the customer to spend {$190.00} to obtain a benefit for the prior year which is false advertising and consumer fraud. 

Description Per Amex Website : Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $ XXXX in purchases on your Card in a calendar year. Awards can be used for one night ( redemption level at or under 35,000 XXXX XXXX points ) at a participating hotel. Certain hotels have resort fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXXXXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Dave Operating, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had {$500.00} in my XXXX XXXX  balance and I instantly deposited it from XXXX XXXX to Dave banking on XX/XX/XXXX and the money never reached me. Ive been trying every single day to try to locate these funds with both companies and XXXX is saying it was successful and my bank is saying they declined the funds from coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX Account 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 2023-04-12
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Arvest bank denied over 100 transactions made by XXXX from XXXX till XXXX of XXXX. Signature is fraudulent. Charges were made daily. No fraud protection was offered by bank. No contact was made of this suspicious activity.

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 2023-04-12
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made half of my car loan with my bank who is also the leinholder over the phone with an Arvest employee on XX/XX/XXXX and that payment is showing on my bank account as being withdrawn from my checking account and then on XX/XX/XXXX which was on a Saturday I paid the rest in the amount of XXXX I checked my account online on that following Tuesday and it had not cleared my account yet so I called that same day and asked about it and they told me to call or check my bank account in two more days and it was not taken out yet. So I called again and they said that the money was taken out and then put back into my account so I opened my Arvest app while on the phone with a customer service representative and looked and I told them there was not anything showing in my account that the money was ever withdrawn or added back to my account I have called and went into a local branch for the past three weeks and have accomplished nothing on where the money went I was then told that the XX/XX/XXXX payment was made and then reversed which again there was nothing showing that and all it shows is where the money was taken out the bank keeps telling me I need to make the payment again and that I should have asked the Arvest employee to repeat the account number to me and that I am responsible for the money I have made the car payments over the phone with a parson for the last seven months and I pay over the phone so that the money comes out right away because I hate sending checks because you have to wait around for them to clear your account I am getting no where with this problem I have never had a problem with it until now and I asked if they could see who took my payment and they wont go into that conversation with me I always pay all of my bills and I do not have time to waste time on the phone with any company over a bill that I know I have paid my phone number is XXXX XXXX XXXX I need help with handling this 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 2022-12-13
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:
Upon reviewing my consumer report, I noticed an account that has late payments that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for account XXXX XXXX XXXX XXXX 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, then I demand these payments be updated on time as they should be as I was NEVER late. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted letters in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX PROCOLLECT INC has yet to show anything bearing my signature showing I signed and agreed to pay them anything.

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 2023-04-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In 2018, I made a payment for {$4000.00} and it was never reflected on my credit card balance.

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 2023-04-12
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am writing to request your assistance in resolving an issue regarding a {$200.00} transfer made through Cash App to my XXXX XXXX account on XXXX XXXX XXXX I have encountered difficulties in tracking the funds, as both Cash App and XXXX XXXX deny having received them. 

According to my Cash App statement, the transfer to my XXXX XXXX account ( XXXX ) was completed on XXXX XXXX XXXX. However, upon reviewing my XXXX XXXX statements, there is no record of a {$200.00} deposit. I have contacted both Cash App and XXXX XXXX to resolve the issue, but both parties maintain that they do not have the funds in question. 

I am requesting the Consumer Financial Protection Bureau 's intervention to help me track down the missing {$200.00} and ensure its proper deposit into my XXXXXXXX XXXXk account. Please find attached my Cash App and XXXX XXXX statements, which substantiate my claims. I hope that your involvement can expedite the resolution of this issue and help me recover the missing funds. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me if you require any additional information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammer falsely claimed to be selling an oud ( musical instrument ) on XXXX marketplace, insisted on purchaser ( me ) sending a partial deposit via cashapp in advance of actual purchase because of ( supposedly ) other interested buyers. As planned date of meetup approached, scammer insisted on full payment in advance of meeting, and refused to even consider the idea of payment upon meeting or even re-doing payment with buyer protection enabled via a different service. Meanwhile, I had my friend ask them if the item was still available, and they said yes. When it became clear that I was not going to send them more money without receiving the instrument, they blocked me and deleted some of my messages in the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: PA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation