BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: DISCOVER BANK
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XXXX, Discover has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my XXXX consumer profile as requested. Despite numerous disputes with XXXX, they have informed me that only direct input from Discover can rectify this issue. 

XXXX has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a Discover representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by Discover even though their response to the Consumer Finance Protection Bureau and XXXX states otherwise, rendering the letter sent to me and XXXX invalid. Discover continues to send letters stating " updated payment history, '' instead of correcting the information requested. XXXX and Discover 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of Discover 's CEO, I received a letter instructing me not to contact Discover again regarding this account. This raises concerns about how Discover is handling customer issues that impact their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
The Capital One credit card company employees failed to inform me about the status of my ongoing dispute with two unauthorized purchases on my account, resulting in an overdraft that negatively impacted my credit score and my account balance. 
I waited months without any notification that a response had been posted/uploaded to my 'statements and documents ' account on XX/XX/2023, after my response on XX/XX/2023. During those months my account remained in overdraft and my credit score was negatively impacted by charges that I had disputed and did not authorize. 
On XX/XX/2023, I called the capital one fraud department and spoke with an employee who told me to submit a signed letter I had already submitted on XX/XX/2023. I realized that I was being given 'the run around " so I asked to speak with a manager. The Fraud Dispute Manager, XXXX, Employee # XXXX  XXXX, told me that I had a 45-day deadline from the time of their response on XX/XX/XXXX, which put me over the deadline to continue my dispute. 
The unprofessional and neglectful customer support I received from Capital One employees was the only reason I was unaware of the status of my dispute claim. The capital one employees I spoke with also provided false phone numbers for the XXXX company. When calling the number provided, a random tax representative by the name of XXXX answered. 
I have no way to contact the XXXX company, however, capital one seems to be in contact with them but is providing little to no assistance in handling my dispute professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to dispute the late payment reported on my account with Chase Bank. I called the auto attendant on the phone and was given two payment options, one to pay the minimum amount and the other to pay the full amount. I chose to pay the full amount. 

In XXXX, I used the card again and made a payment, but when I checked in XXXX, I discovered that the payment was reported as late. I was traveling at the time and did not receive any notification from Chase Bank regarding the late payment. 

I sent a dispute letter by fax machine, explaining that the phone system misled me into believing that I had made a timely payment. However, I received a letter from Chase Bank stating that they could not remove the late payment. Furthermore, the letter stated that they would mark me as late if two consecutive payments were missed. 

As evidence of my payment history, please refer to the following statements : On XX/XX/XXXX, I paid {$6600.00} to pay off the account by making a phone payment. 
On XX/XX/XXXX, a {$40.00} late fee was charged. 
On XX/XX/XXXX, {$100.00} interest was added. 
On XX/XX/XXXX, a payment of {$140.00} was due to interest and late payment. 
On XX/XX/XXXX, I made a {$700.00} phone payment with a phone representative. 


It is clear from the payment history that I have made every effort to pay on time and in full. The late payment was the result of the misleading information provided by the phone system, which was beyond my control. Furthermore, it is unfair and unjust to report me as late when I have made every effort to make timely payments. 

In addition, I believe that Chase Bank may have violated California and federal laws, including but not limited to the California XXXX Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These laws prohibit debt collectors from making false, misleading, or deceptive statements in connection with debt collection, and require them to provide accurate and complete information to credit reporting agencies. 

I am writing to request that you remove the late payment from my credit report and correct any erroneous information that has been reported. I am authorizing you to respond to me through the CFPB website. Please provide me with written confirmation that the late payment has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX accounts with comenity bank. 

Card XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX went out business and comenity closed the account instead of converting the account. No options were given and credit bureau was notified of this closure by comenity in which there was a negative impact on my credit report. 

Card XXXX XXXX XXXXe of credit XXXX. Comenity issued line of credit and card before I received the physical card in the mail comenity closed the account staying to many inquires after the application was already approved account open and card in the mail. Comenity reported the close to credit bureau cause a 2nd negative impact ti my credit score and rating. 

I feel these practices are completely unacceptable.I am very destroyed by this unacceptable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I tried to resolve this matter on my own several times over the last year and they have not responded to me. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.

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 2023-04-05
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capio partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX continues to put a XXXX XXXX XXXX XXXX XXXX on my credit report after the credit bureaus remove it from my credit bureau I have contacted XXXX XXXX XXXX they have never billed my insurance company XXXX when I gave them the information I have disputed that information not accurate XXXX never sent a bill its not mine also another collection agent asset care llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX is appearing on my credit report I dont know who that company and they should also be removed from my credit report this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a big situation and i really hope that you can please help me. I went into Citi Bank to open up a checking account on XXXX at the XXXX Illinois location to deposit a large amount of checks that I have received on my wedding day XXXX in the total amount of {$28000.00}. The bank teller asked me if the name " XXXX '' on the checks were my nickname and I said yes. she told me to just go ahead and sign the back of the checks and I shouldn't have a problem. I also had my husband sign the back of the checks as well with the checks that have his name on them. I had received my debit card in the mail XXXX  days later on XXXX. When I called to activate and access the account, a representative told me that my account is blocked and transferred me to the fraud department. they told me that my account is being closed due to " third party checks '' and they don't allow that but those checks were made to " ME ''. I am XXXX, they are not third party checks. XXXX and XXXX are the exact same person. XXXX is my XXXX name. I use that with friends and family and also for work. They said they are not going to send me back the funds because they can not verify who I am, but those funds were all deposited into the checking account and I have confirmed with all the guests that have written me those checks and they told me that their checks have ALL indeed been taken out of their account and deposited. Please, I am begging you to give me back all the wedding money that I had received. I have every single wedding card with the guests names on them, my wedding website, my marriage license, my wedding contract, all the documents to prove that the wedding took place on XXXX and the check date matches the wedding date. I am who I say I am and I don't understand why the bank teller who had helped me at the XXXX location would tell me that it was ok for me to deposit these checks. they should've known better and I am in such a state of anxiety and sadness that this is happening to me. Please help me. I really need the funds back. I hope to hear back from 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 explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: WI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/2022 in the amount of {$330.00}, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information on my credit report with transunion. please review all invalid data that is hindering my file. this has caused alot of errors an declines. please remove all 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
An annual fee was billed XX/XX/18. I notified XXXX I no longer wanted their XXXX XXXX account and they billed the annual fee anyways.They eventually reversed the fees and close the account but they never removed the late marks and they closed it showing bank request rather than customer request.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 paying this student loan for years. Last year I reacached out to XXXX to inform them that due to financial difficulties I would like to request my due date chaged to the XXXX of each month since I was an educator and the date of my check was the XXXX of each month. The agent informed me that they can't do the XXXX but they was able to do the XXXX, I said perfect. I have made my payments on the XXXX of every month since the event as agreed. There were months where 2 payments were made. 

XXXX has caused significant damage to my credit report by reporting my payments late and charging a late fee. The payments were never 30-days late but they illegally reported my account as late/deliquent. As a result of this I was unable to help my daughter obtain a parent plus loan to continue her education. This is unfair to me and my family as the damages are setting my family behind.

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The personal information of my consumer report has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
My only name is XXXX XXXX XXXX My only SSN is XXXX My only address is XXXX XXXX XXXX XXXX XXXX MI XXXX There are multiple socials on my consumer report please remove them. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bankruptcy on my consumer reports should be removed because XXXX XXXX has already deleted it from their report and any accounts attached to it. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany consumer report containing any of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 2022-12-14
Company: Experian Information Solutions Inc.
State: MA
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:
I sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 data is inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-04-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
There were a number on unauthorized inquiries on my credit report dated XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/2023 2023

Company response to consumer: Closed with explanation