BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items immediately : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-09-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA did nothing to protect us after we immediately reported a fraudulent charge, while the charge was still pending. I canceled my card and requested a new card but was basically ignored until my husband called. The card was in my name but, not even once, did USAA notify me of the status of the requested fraud investigation ; they sent all written communication directly to my husband and addressed everything to my husband. Furthermore, USAA never once asked either of us to directly contact the merchant from whom the fraudulent purchase was made. Instead, USAA promised us they were doing a thorough investigation. In the meantime, they took the entire disputed amount, more than {$690.00} out of our bank account. Their investigations came back with an erroneous determination that we did indeed purchase the item. We had no knowledge about, nor did we have an exact shipping address for the alleged item. We had to basically beg a supervisor to divulge what exactly was the item in question and where was it supposedly sent ; the item was sent to a different State and we were never even told to whom it was sent or to what exact address. After my husband was basically told that we lied and mustve made the purchase, today I called the merchant myself. The merchant immediately advised me that it appeared my account had been hacked and even locked, so neither the agent nor I could even look at the account details! Thankfully, after 2 stressful and upsetting months working unsuccessfully with USAA, the merchant determined immediately, with my single phone call, that we were indeed due a refund. This kind of integrity and action was what we expected from USAA, the bank with which my husband has been associated for more than 42 years. There is something very wrong going on at USAA. I am extremely relieved that the merchant is doing the right thing, but I thought that an overseeing fiduciary body should be aware that USAA is basically stealing peoples hard-earned money with their so-called investigations. We will be taking our money out of USAA and moving it to another bank. The merchant has advised it may take up to 62 days for us to receive our refund check. Though this strains our day to day flow of funds, at least we will eventually get back our money. Shame on USAA. This bank should be thoroughly investigated for spousal discrimination and theft. If it happened to us, Im sure its happening to others. One final note, I hope that the person who committed the fraud is brought to justice. I would be willing to do all I can to help move matters to that end. This whole ordeal is shameful. I am, again, grateful the merchant came through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TX
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 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 2023-03-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted credit bureau 2 times to remove bankruptcy off report I have never filed bankruptcy before and I don't know where this is coming from I have attached documents from court system bureau stated is was removed and it hasn't been

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 2023-09-20
Company: Paramount GR Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We signed a contract with XXXX XXXX XXXX in XXXX to install a solar system on our property. They used Goodleap to finance the project but did not complete the project to the terms in our contact. goodleap has not done the work to help us get our system working to the specifications in our contract and has been demanding payment from us for the finance agreement. We have been in contact with goodleap /loanpal since the beginning when we first realized our system was under functioning in early XXXX when we suspected the solar company was engaged in deceptive sales practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt is over 7 years and has inaccurate amount. Ive been receiving harassing calls and letters stating that I will be sued if I dont pay the amount. However its not the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Avant Holding Company, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was incorrectly charged finance fees in addition to multiple late fees ( {$29.00} & {$39.00} ) that kept increasing over a period of a month. I've written to my credit card company since XX/XX/XXXX to rectify this billing error. Since I've written them, they have reported one late payment to my consumer report. This is against the law per U.S. code 1681s-2 which states the responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information prohibition ( 1 ) reporting information with knowledge of errors. Furthermore, reporting an experience or transaction between a consumer and the person making the report is also illegal pursuant to 15 USC 1681a 2 ( a ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a small business that failed. I had a company credit card that all employees used. It was my fault that employees took advantage of my business in this way by making liberal and unauthorized purchases on the credit card. But, this was a business credit card, not a personal credit card and Chase Bank is treating it as a personal debt when it was not a personal debt. I feel that if this will affect me personally, then the employees that used the credit cards should be affected personally also. 

After I sold the assets, the business paid or settled the remaining open debt balances. This business Chase credit card is being attached to my personal credit report even though I never signed a personal guaranty for the credit card. Chase Bank harassed and called me daily to pay the balance on the credit card back in 2020. Since it was affecting my personal ability to move on in life and have access to credit again, I offered Chase a settlement. I paid the amount we settled on personally and they were supposed to remove the record from my personal credit report. They have not done it and recently I was denied credit and this was a major reason for the rejection. This poor history on my personal credit report that should never have been reported there but to XXXX XXXX XXXX, is causing me harm in my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A notarized/certified letter requesting validation of debt / proof of claim which by Federal Law I am authorized to do, was sent To : Capital One Attn : XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe because of the information I was specifically requesting would show full disclosure of a debt not owed and possible security fraud my account closed immediately after. Adverse action was taking against me and as a retaliation Capital One closed my account out. I have other accounts with Capital One that are open and have no issue with doing business. Therefore I am unclear as to how " activity on the account is not consistent with their expectations ... '' This was indicated in a response computer generated letter dated XX/XX/2023, without an officer signature as I also requested. The exactly activity needs to be fully disclosed to me which is also a Federal Law in which Capital One again chooses to not abided by. I then filed a complaint because my account should not have been closed nor did I give Capital One permission at anytime to report my information for the 3 Credit Bureaus. On XX/XX/2023 yet again a computer generated letter was sent stating my account has been placed into cease and desist, which means that Capital One will not communicate with me to collect on any debt owed. Again Capital One goes against Federal guidelines and I have statements each month since then requesting to pay on a debt. I should not be receiving anything communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 2023-10-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wyndham XXXX XXXX representative at their XXXX XXXX destination accessed my credit report without my permission and on contesting he was not ready to listen and instead started abusing us. We were fraudulently asked to attend their sales presentation and they accessed our personal info as well without our permission. They in addition also duped us of {$40.00} from our credit card and refused to refund that to us I would like to strongly complaint against their behavior and would like to get {$40.00} which they deducted from credit card. In addition we would like to ask for a compensation of XXXX Wyndham points for which they did fraudulent claims, did hard Enquiry on my report without my consent and forced us to buy those points

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 2023-10-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The 3 credit reporting agencies deleted a positive account XXXX XXXX XXXX. They all told me that the data furnisher ( Wells Fargo ) deleted this positive account that was to be reported until XX/XX/2025. This makes my credit report incomplete and inaccurate, which is against the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive been a satisfied Capital One customer for more than 40 years, transitioning from XXXX XXXX post-acquisition. Regrettably, I can not exaggerate my disappointment in your decision to transition from an electronic bill-pay application which I believe was industry-leading from a customer perspective to one which is demonstrably worse. While there are several onerous process requirements which had not previously existed, one change is particularly egregious and conjures up visions of the business practices of XXXX XXXX Bank, a comparison which any bank ought to find embarrassing. 

For many years with the Capital One bill-pay application when I selected a creditor to whom I wanted funds transferred the latency was a single business day. No reasonable person would ask for something timelier. What this clearly illustrates is that technology and standards make doing so achievable. I strive to meet my financial obligations as close to on-time as possible. Doing otherwise is economically disadvantageous to me. With the new bill-pay application Im forced to meet my obligations seven days in advance of the vendor due-date. Its a benign change to the vendor but economically disadvantageous to me ; however, it is economically advantageous to another party, presumably Capital One, in a significant way. 

My family has approximately {$4000.00} in recurring monthly obligations to various creditors which we meet using Capital One accounts in our name and its electronic bill-pay application. With the new application, Capital One debits my account on day N but reserves the right to delay transfer of those funds until day XXXX. Some families transfer more while some transfer less than {$4000.00}. Using {$3000.00} as an average, the math says that {$3000.00} x XXXX customers of Capital One places {$1.00} XXXX dollars somewhere, but not in your customers account and not in the vendors account. Where is that money for those seven days, what is it earning, and in whos account are those earnings deposited? ( These numbers are fictitious and intended to indicate scale. ) Recall that with paper checks, my account is debited when, and only when, my creditor cashes a paper check sent to him/her. Ironically, technology imposes up to a seven-day latency during which the funds are neither in my account ( earning interest, however modest, to which I am entitled ) nor in the account of my creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I closed my account due to overdrafts and them paying auto drafts that had been canceled by myself. They were paying XXXX even tho they had been canceled because I had moved out of state. Charges of approx XXXX a month plus overdrafts of XXXX per week. I'm on SSI and get paid once a month. This was in XXXX XXXX. I moved from XXXX to 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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-29
Company: EQUIFAX, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
DEAR XXXX XXXX  ; CREDIT BUREAU ; EQX ; XXXX ; XXXX ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my credit score and ability for any company to extend credit to me. 

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation