BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: LA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-12-19
Company: Albert Corporation
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my XXXX account for weeks, as they made all customer subscribe to their Genius subscription for {$14.00} a month. I transferred out the {$1.00} in my savings account with them, which they delayed over a week and refused to cancel my account until the transfer was finished. 

Finally I could close my account, but they charged me {$14.00} on XX/XX/23. Their business practices are shady, and they force customers to use their app to be able to contact customer service. I want my money back from them, as I don't even want to use their service. They made me jump through so many hoops to close my account, and still charged me after I finally closed my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried their Capital One Shopping service. After earned $ XXXX in my account, I tried to redeem a gift card, but they closed my account without any reasons and didn't give me a XXXX back... They didn't respond to my email at all. I contacted Captial One customer service by phone and sent an email to XXXX, but they couldn't help. Also, filed a XXXX  complaint, but no help as well. This is the last time in good faith trying to solve problem with them directly, and will take it to small claim if no result after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I went into a Title Max Store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a loan in my car. The title is under my dad and my name but the representative there told me they have a place that can give me an updated title with my name only just have to be willing to pay a higher amount. So I did. I needed the loan for medical expenses and she saw my desperation. The loan was for XXXX and when my payments started to come due I paid them with no problem. It wasn't till payment 5 that I asked WHAT my balance was and I was told XXXX. I said how what why she said interest go up daily I asked her for a hard copy of my contract she placed me on hold and never talked to me I called and called they won't answer when I went to the office I was received with new staff I told them WHAT happen and they said they aren't responsible for any of that. PLEASE help I'm a single mom and I can't lose my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In accordance with the Fair Credit Reporting Act XXXX account # has violated my rights. XXXX XXXX {$0.00} XXXX XXXX {$430.00} XXXX XXXX {$0.00} XXXX  XXXX {$4200.00} XXXX XXXX {$0.00} XXXX XXXX {$2200.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX XXXX {$55.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$370.00} 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 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: TX
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'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 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 2023-07-13
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:
Hello, In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

These accounts haven't been late since XXXX The information is inaccurate. Please remove late payments from below accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is current. 
XXXX XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX  - Is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: CITIBANK, N.A.
State: WY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My grandmother got a loan from Citifinancial and they put a lien on her house until the loan was paid in full and she was also told she had to purchase the insurance in case of XXXX or death. She purchased insurance and eventually she had a XXXX and when I called to ask what the insurance will cover Citifinancial told me it was only payable upon death. Later they sent her a letter stating the insurance will expire XX/XX/2015 and would no longer have insurance on the loan. Unfortunately my grandmother passed on XX/XX/2015. When attempting to make an insurance claim, and they deny the claim stating she had no insurance although they we 're charging her for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: IL
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:
Im writing to you because the XXXX major credit reporting agency are reporting inaccuracies information on my credit report XXXX, Equifax and XXXX. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in XXXX business days of this account being reinserted back onto my credit profile and also according to the FRCA all XXXX credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in 3 days that the item was verified as mines. It take an investigation 30 days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with XXXX and Equifax received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my payment history with XXXX XXXX but they only reported the account to XXXX and not all three bureaus but the information reported is inaccurate, the information shows that the account is still open and its not and i have documents to prove that its closed already and paid on time

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 2023-07-13
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:
Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought tickets on this XXXX XXXX for a XXXX XXXX concert on XX/XX/2023 for {$340.00}. The link went through XXXX and the tickets were never sent or activated and I never got refunded. XXXX  seats and XXXX keep claiming the other party is responsible and Im out {$340.00} for tickets I never received and a show I never went to. Its a complete scam and they also refuse to send emails and leave a paper trail when I try to dispute the charge with my credit card company. The credit card company I used was Discover and they keep siding with the merchant because it was an authorized transaction, but XXXX  seats did not provide the services. This is a case of fraud and Discover is false advertisement on saying clients are never responsible for fraudulent cases or services never rendered. They wont let me open a new dispute either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have tirelessly fought with this company trying to get my money returned to which I get ignored or told they have no updates for me at this time. It has been 2 years now and I can't seem to get any help or resolution. My account was charged three times {$730.00} for XXXX XXXX XXXX XXXX tickets for XX/XX/2022 all 3 times including the insurance in case something happened. So 1st of all I didn't need 3 purchases of same tickets, 2nd of all I bought insurance because it's my luck so always make sure, 3rd I kept in contact with the place the comedy show was happening at and I had broke down on the way to event and was told I would get a credit with XXXX XXXX to use for XXXX XXXX or any other event totaling the same amount unless of course I wanted to pay any difference and that I would be fully refunded for the other 2 transactions buying same tickets 2 more times told there was a glitch in system probably. Well never received my credits never received my refunds it's almost 2 years later and XXXX nor PayPal have rendered this situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is in violation of m credit rights please take action I would like to sue this company

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 2023-11-13
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ASSETCARE ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX Account Type - XXXX XXXX XXXX XXXX  XXXX Code : XXXX XXXX Account Status : XXXX XXXX XXXX XXXX : - - Date Opened : XX/XX/2023 XX/XX/2023 Balance : XXXX} XXXX  No. of Months ( terms ) : - - High Credit : XXXX XXXX Credit Limit : - - Past Due : - - Payment Status : XXXX XXXX Last Reported : XX/XX/2023 XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00} XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on 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 2023-11-26
Company: EQUIFAX, INC.
State: MA
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:
In accordance with the Fair Credit Report Act XXXX, Account:XXXX from 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

This account reported on my credit report is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've noticed unauthorized inquiries on my reports XXXX, Equifax and XXXX. I reported and provided this information over to the representatives and XXXX at all three ( XXXX ) bureaus over the phone. I've mention to them how I was aware that according to the FCRA, legally these unverified and unauthorized items must be moved but instead with XXXX they said they DO NOT and WILL NOT REMOVE any inquiries and gave no reason as to why. I am in the process of applying for a home loan and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
Below is a summary of the data that I am challenging : XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX. XXXX XX/XX/XXXX -Equifax XXXX. XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XX/XX/XXXX- Equifax XXXX. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Account number XXXX Credit card Date opened XX/XX/2017 Status Paid, Closed. 

I opened a secured credit card with XXXX XXXX XXXX and deposited XXXX dollars to open the account and the credit line. After having the account for close to a year, I called and let them know I needed to close the account, and eventually went into the location and requested the card be closed and the secured funds used to close the account. The entire purpose of getting the secured card was to build credit and increase my credit scores. Sometime after the accounts were closed I got a ding on my credit report stating that the account was late. I worked exhaustingly through phone calls to ensure this did not happen as I was closing the account, and it still happened. I would like for the late payment to be removed from this account and to be reflected across all 3 credit bureaus. The account should also not show over limit because this is part of the misunderstanding on the final payment. It was paid in full and closed. I was working actively to protect my credit and it was my understanding that XXXX was working with me in this goal as well.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was never late in making payments.

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