BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I XXXX XXXX, a consumer ; natural born person, am extremely upset that my demand to obey my federally protected rights has been ignored. It has now been 30 days & I have yet to receive correspondence. I want to initiate a complaint that you are Violating my Federally protected rights under the Fair Credit Reporting Act 15 USC 1681. 
Under penalty of perjury, truthfully state that the accused CRA is in violation of multiple federally protected rights. 
[ 1 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - Definitions ; rules of construction ; ( 2 ) Exclusions. the term consumer report does not include ; ( A ) any ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
[ 2 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681a ( 2 ) ( B ) - Definitions ; rules of construction ; ( 2 ) Exclusions. the term consumer report does not include ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

[ 3 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681o - Civil liability for negligent noncompliance - ( a ) In general ; Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
[ 4 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681a ( 4 ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
[ 5 ] - Under penalty of perjury ; the accused is in violation of 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under penalty of perjury I am seeking a final opportunity to cure or I will seek suit for ; violations of 5 federally protected rights, damages to my to my character, and damages to my reputation. If the opportunity to cure is not satisfied I will follow up with notarized affidavit and seek legal remedy.

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 2019-07-22
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I mailed a letter to the credit bureaus, asking for a credit investigation. They were supposed to respond within 30 days, but I have not received anything from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Genesis FS Card Services, Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  acount # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Second Round Limited Partnership, Austin, TX Branch
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this collection Second Round, Limited Partnership reported incorrect accounts on my credit report causing finance hardship and harassment. I have tried to remove it and dispute the accounts by asking a copy showing my signature on the contract. yet they failed provide me with any document to prove they right to ask for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have paid off my Capital One credit card in full every month except the month of XXXX, but Capital One charged me a double interest fee for not doing so. I was charged an interest fee in XXXX and another interest fee in XXXX, even thought I paid off my credit card in full for the month of XXXX. And when I contacted Capital One about the interest fee I was told " that's just the way they do it ''. They are ripping off their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yesterday morning my XXXX year old and XXXX year old sons. Decided they where gon na buy online games. In less then an hour they spent {$570.00}. Three of the 11 charges which were to XXXX were refunded without an issue. I contacted XXXX and they say they will not issue a refund for any of the charges. The other charges were from XXXX for sone game equaling {$470.00}. So I contacted my bank Santander to see if they could reverse the charges. They said I would have to press charges against my sons. How is this legal??? All charges were made on XX/XX/2020 between XXXX XXXX  and XXXX XXXX. While I was sleeping.

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 2021-07-16
Company: Experian Information Solutions 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:
After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT ( DSNB AMERICAN EXPRESS ) IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS TRANSACTION. THIS HAPPENED BECAUSE OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Service Finance Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Service Finance Company , LLC has attempted to contact you regarding your account related to the HVAC project completed by XXXX XXXX XXXX-XXXX XXXX Service finance is a loan company for XXXX XXXX XXXX  XXXX XXXX When I owned a property I bought an air conditioner and a furnace from them. The house was foreclosed upon by the bank. XXXX XXXX XXXX XXXX has lien rights on the property and should have been paid when the underwriting took place for the new owner. I do not live there and it is not my debt when the bank foreclosed and resold the property. I have tried repeatedly o explain the law and the process of liens to their collections team. I have even offered to help but they insist it s my debt. I have asked for a call from management and have not received one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following Hard Inquiry shows on my TransUnion Credit File ; XXXX XXXX Inquiry from XX/XX/2019 I did not give XXXX XXXX authorization to access my file. I contacted TransUnion to dispute this and they asked me to contact XXXX XXXX. I looked up XXXX XXXX online and they are no longer in business. 

Bottomline, TransUnion shared my credit file information without authorization and they were not helpful when I called in to dispute it. 

Thank you 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 2019-07-22
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/XXXX- Till today ( XX/XX/XXXX ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on EQUIFAX , XXXX AND XXXX XXXX XXXX credit  card  appears as included in bankruptcy chapter XXXX  on XXXX  and XXXX credit profile. 
XXXX XXXX Credit  card  appears as charge off/included in bankruptcy chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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: Account status incorrect

Complaint:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX not mine XXXX  XXXX XXXX  XXXX never late XXXX  XXXX XXXX  XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2022-08-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with Truist. I made the payment by mail and on XX/XX/2022, they took the payment, {$4800.00}, out of my bank account. 
It is now XX/XX/2022 and the online Truist account doesn't show credit for this payment. 
I called. The clerk could find no record of this payment. She said I had to go to a branch. 
Please force them to give me credit for the money they already took and stop charging me interest on what I've already paid. 
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 2023-06-27
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: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX Till today ( XX/XX/2019 ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on XXXX , XXXX AND EXPERIAN XXXX XXXX credit card appears as included in bankruptcy chapter XXXX on XXXX and Experian XXXX profile. 
XXXX XXXX Credit card appears as charge off/included in bankruptcy chapter 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 2019-01-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I mailed a copy of the receipt via certified mail to both XXXX/JCPENNEY. The account was paid in full in side a local JCPenney store on XX/XX/XXXX. The company sold the account to a collection agency in XX/XX/XXXX and put it on my credit report as a charge off account.

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 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX, I mailed Transunion regarding the incorrect information on my credit profile Regarding a Federal Filed Bankruptcy XXXX containing incorrect Information such as ( FILED US BANKRUPTCY COURT ). Transunion updated the report to reflect I disputed the information. 

On XXXX I mailed the " United States Bankruptcy Court Eastern District '' regarding the release of information. on XX/XX/2021, I received a letter in return from the Court stating in short " we do not provide or release any personal information to the credit reporting agencies ( said letter attached ) Transunion on XXXX updated and sent me their investigation findings as ( VERIFIED ) letter attached. I did not received the VOD from Transunion. 

I once again on XXXX requested a RE-INVESTIGTION from Transunion regarding the incorrect information and requested if they could not provide me with the verification of the investigation which I am in titled to to please delete this file immediately. I received no response back from Transunion regarding my request into this matter. 

On XXXX I once again mailed certified to Transunion a request to RE-INVESTIGATE my file. 

On XXXX Transunion once again sent a letter stating ( Item Verified ) and no verification method was provided with said letter. 

I have on four ( 4 ) numerous occasions followed and requested Transunion to conduct a proper Investigation into this matter. Transunion however feels that it does not have to comply the same we ( the consumer ) do with the process and seems unfair to me to have to continue to spend time and money because they want to bypass the process and determine on their own what is verifiable or not.

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 2021-07-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo is not providing accurate information through their statements and online tools so as to charge overdraft fees illegally. They are committing theft.

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 2017-10-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint involves two banks, XXXX XXXX XXXX XXXX, and Citibank. 
I did my banking with XXXX for several years. XXXX is a very small bank with very few branches in all of XXXX XXXX XXXX, and most of them in very inconvenient and dangerous locations. I found the service to be poor, and often uncooperative, so I decided to close my account. I decided to open an account with Citibank. I attempted to close my account with XXXX and they refused to allow me to do so. They basically held my funds and refused to close my account. I opened an account with Citibank and requested their help with XXXX XXXX The Citibank representative told me that I could wire-transfer my funds from XXXX to my new Citibank account. I did so with three wire transfers, as I was not totally sure how the process worked. But before I could complete the transfers, all of my funds, both the XXXX and the Citibank accounts, were blocked. 
I am presently without any and all of my money. No one will give me any information, and I desperately need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 account # XXXX has violated my rights. 

15 USC 1861 Section 602 States I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also States that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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.

Company response to consumer: Closed with explanation