BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased roughly ~ {$2000.00} of equipment from XXXX in XXXX XXXX with a promo % XXXX APR until the following XXXX. I put this on autopay to be paid off by XXXX of XXXX. I've used this service previously without any issues. 

XXXX announced over the summer that they would be switching to a new service provider for financing in XXXX. Since I had my account lined up to paid XX/XX/XXXX, I had no concern. XXXX claims I canceled my autopay with {$22.00} remaining balance in XXXX of XXXX. They then proceed to charge me late fees, without notice, for XXXX and XXXX, bumping my balance to {$82.00}. I did not receive any statements of outstanding or overdue balance nor did I receive notice of autopay cancellation. I presumed that my account would have made its final autopayment of {$22.00} and be resolved. 

I did not know there was any issue with my account until my bank and XXXX both alerted me of a FICO change of XXXX to XXXX. I was shocked. I attempted to go to the existing XXXX finance site but website was not allowing access to any updated information. When I would call they would transfer me to the new provider of Comenity who did not or would not service since I did not have my new account number that I hadn't received yet from them. I had to go through an automated service using my SSN to then request to have my new account number mailed to me. 

Once I received the # I created my account and made a payment to my surprise of {$82.00} to get it resolved ASAP. When I called to inquire as to what happened XXXX advised they were not able to help since it was with the previous provider. When I called the previous provider they defered me to XXXX. Without any recourse available via phone I've started to dispute it through XXXX and also the CFPB. 

Also, it is showing me as current for both XXXX and XXXX yet XXXX shows past due 60 days? None of this makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I constantly check my credit report and noticed that the false and misleading information for individual accounts did not quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB enforce the correction and or deletion of these items.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
on XX/XX/2022 i received an credit alert about XXXX XXXX XXXX and ive reached out trying to have this removed from my report this is an un authorized inquiry

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 2023-05-02
Company: Experian Information Solutions 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 am writing this complaint to EXPERIAN. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A.

States that 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 instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: AK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Alaska, XXXX Name : XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX Account # XXXX XXXX Late payment date : XX/XX/2022 15 USC 1681 - ( 2 ) ( A ) ( 1 ). ( 2 ) EXCLUSIONS- ( 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. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

You are NOT allowed or permitted to furnish any type of reports that contains bank statements or any experiences or transactions that I have with your financial institution as the LAW clearly states above this paragraph please immediately remove the late payment reporting that was furnished to the credit reporting agencies/ Experian, 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 explanation
Consumer complaint received 2023-12-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I setup a new exxon mobil smart card credit card account in late XXXX. 

The objective was to enjoy virtual payments through my cell phone at gas stations. I setup reoccurring payments upon receipt of the new exxon credit card. Since I used the card only for gas, I never really thought about the account, it was a small balance credit card. 

Turns out, I had been setup to only pay the minimum payment amount on a re-occuring basis, something I never do when I setup automatic payments. As a result, I was charged interest every month for XXXX months in XXXX and all of XXXX the entire duration I had the card. I am certain that I setup the correct option, last statement balance. 

When I realized the credit card was near {$800.00} through XXXX in XX/XX/XXXX, I realized that I had not bought {$800.00} of gas that month and signed in. Turns out, exxon mobil had charged me interest every month since account inception. 

I complained, they ( exxon mobil credit/citi ) were rude, I paid off the balance, they waived last XXXX months of interest. Still waiting for those XXXX months to hit my account. I closed the account thereafter.

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 2023-12-01
Company: EQUIFAX, INC.
State: NV
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. My credit report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: GA
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:
Dear Equifax Information on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The correct address is XXXX XXXX XXXX XXXX, XXXX  XXXX Accounts : XXXX XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX PLEASE SEE ATTACHED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The only an address on my Experian credit report should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX All other addresses on my report need to be removed immediately. 

USC, 1681 and USC 1681s2 These laws say that I have a right to privacy, and anything else added on my credit report without my permission needs to be removed

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
They have violated my rights, I have the right to privacy, they can not purchase my accounts without my written instructions. 


{$4600.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 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 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Yesterday, on XX/XX/2023, Capital One Platinum emailed me a dispute update letter stating a merchant ( XXXX XXXX XXXX XXXX ) responded to my credit card dispute of a {$250.00} unauthorized charge to my credit card weekend of XX/XX/2023. Merchant erroneously claims I stayed for XXXX nights at its hotel. In contrast, I only stayed XXXX night where they properly charged {$190.00} to my credit card. Inexplicably, merchant charged each night in 2 separate credit card transactions. Merchant ignored my telephone messages so I filed a formal dispute with Capital One Platinum. The Merchant 's dispute response to Capital One was deficient, lacked explanation and completely ignored my formal request for merchant 's electronically stored information related to my hotel room key which will provide I only stayed for one night instead if two nights. Merchant supplied no documents to prove this, documents with my signature to validate the {$250.00} charge, or the requested documents about the exact dates and times of my check in/out. Capital One 's dispute update letter sets forth the next steps in the dispute resolution process for me to upload rebuttal documents on its secured website for the dispute team to review. After speaking by telephone with a Capital One customer care representative yesterday morning who urged me to submit my rebuttal the same day, I uploaded my rebuttal documents yesterday afternoon. Yesterday evening, I called Capital One again who confirmed my rebuttal records were received and would be reviewed within the next few days. But, this morning, my Capital One online account indicates the dispute is closed without further explanation and the unauthorized {$250.00} charge was placed back on my account. As discussed in my attachments, Capital One 's actions violated its own internal dispute resolution written policies, its written customer fraud protection policy and everything its two employees said to me in two separate phone calls yesterday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: GA
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:
They have violated my rights, I have the right to privacy, they can not purchase my accounts without my written instructions. 


{$4600.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXXXXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
There is a bankruptcy reporting on my credit file and XXXX XXXX XXXX XXXX is listed as the furnisher. That information is inaccurate as the bankruptcy court does not verify or validate information.

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 2020-07-31
Company: CITIBANK, N.A.
State: MD
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:
I have a loan with DSNB MACYS, SEARS/CBNA, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX DSNB   MACYS, SEARS/CBNA, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2023-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/XXXX of this year, I received an email stating that my replacement debit card was sent to the wrong address. We updated our address months ago with Bank of America. Unfortunately, they forgot to update my debit card address. As a result, they sent my replacement card to the wrong address. When I called the Bank Representative, she told me that they were going to expedite my request, but that I would have to pay a {$15.00} fee to do so. The representative and her supervisor, understood that this was a bank error, yet there is no process to waive the fee even when they made a mistake updating my debit card address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
To Whom It XXXX Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  ( Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against Experian, XXXX, XXXX, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.

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 2023-11-02
Company: Experian Information Solutions 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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