BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-23
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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: Credit inquiries on your report that you don't recognize

Complaint:
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review 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 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On the XXXX of XXXX I received my money from bank of America and everytime I made a purchase my account would be temporary locked it was impossible to do anything on the XXXX of XXXX I had to call them and have the card unlocked and then on the XXXX of XXXX I tried making another purchase online and it was locked again this time I called they said that on their end everything was good but on mine it wasn't so I end up losing my card and called them to order a new one and the representative kept putting me on hold saying that they were updating my account and it would be a few more minutes and how embarrassing this was only to tell me I have to go into a bank of America branch with XXXX forms of id I feel so discriminated against this was a very emotional experience I felt like I was walking around like a chicken without a head I'm going through a hardship and now my account is frozen I have no shelter and this what they do to me they have pulled the rug from under me I feel like they have played a game on me this is very hard to cope with

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted your office months ago after I was notified that there were items being reported to my credit that did not belong to me. Many of those items have been removed, however, now that I've been monitoring my credit closely, I've noticed new items that hove been placed on my credit that hove no name. only account numbers. Please remove these items as soon as possible. XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX ( accnt #  XXXX ) Item # 1- No Name ( account number XXXX ) Item # 2 No Name ( account number XXXX ) Item # 3-No Name ( account number XXXX ) Item # 4- No Name ( account number 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 2021-06-01
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called on XX/XX/21 from the phone number : XXXX which was ID 'd on my phone as " XXXX XXXX ''. The caller identified themselves as working for Audit & Adjustment Co Inc and she was calling from XXXX XXXX which she was not ) and identified a $ 600+ debt from a company that I'd never heard of. I indicated to her that she'd have to provide me written verification of this debt, at which point she started asking for my phone number and address - I assume that if the person called me and knew my name that they would already have this information. Since the identity of the caller could not be verified, and I'd never heard of the company in question I immediately believe this to be a scam for people to pay the debt over the phone using a credit card or other such form of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: ENCORE CAPITAL GROUP INC.
State: DE
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:
Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a Method of verifying this information from credtior Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for the amount of {$2100.00}. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent.

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  Account Number : 1513-3 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a call I believed to be a valid call from the Citi Bank fraud department that someone had attempted to make multiple transactions. This person claimed to be a CitiBank employee from the fraud department calling from a number, XXXX, which I later verified was a true CitiBank number. The results were that the fraudsters gained access to my banks checking and savings accounts and drained both accounts. After contacting the fraud department I was advised that this was through the XXXX which is a CitiBank function on the app. Citi Bank claims that I may not be able to receive full reimbursement of monies back even though this a fraud made by a person impersonating a CitiBank employee. When I followed up the next day with bank I discovered that this was fraud, the scammer, asked the same exact questions as the true bank employee.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX XXXX XXXX I called customer service and ultimately decided to close my account for Children 's Place Reward credit card. The representative tried to convince me otherwise but the fees were outweighing the purpose of the card. I had initially signed up for Assurance program, which I soon discovered was just casing more fees and not actually for my benefit. Those fees as well additional fees that came with the credit card had become higher than my actual purchases.

I discovered that Comenity bank has reported to the credit bureaus that I owe over {$700.00} when my last balance was lest than {$140.00}. They claim I never closed out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Since I can not add any new notes to the issues with Bank of American : Bank of America called me in reference to XXXX, they proceeded to tell me in my voice mail to call XXXX and to put in extension XXXX. When you try to this the automated system asks you to enter - so you enter, it fails to recognize the numbers and then hangs up on you. To date I have been hung up on 10 times by these incompetent automated systems and personnel at Bank of America. This was attempted 3 times. This is BofA 's attempt to create bureaucracy and then they can " say '' they reached out to the customer to solve the problem when in fact their system does not allow a callback. 

Further when this fails it states on the recording to call XXXX and when you call that number they tell you that that has nothing to do with a credit card. 

Again this unworthy company should be shut down - and what they are doing should be considered fraudulent.

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 2023-09-17
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account was sold to third party company without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$200.00} DATE OPENED XX/XX/2023 SUNRISE CREDIT SERVICE 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 explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macys charged a different Credit Card without my consent. 

I use the Macys Store card when purchasing items in store, and somehow Macys charged me for an alternate XXXX XXXX Credit Card, which I did NOT use or even activate yet. They charged this separate card with out my knowledge or consent. I didn't even have the card with me. 

Because I had No knowledge of this account being charged, I didn't pay the bill on time. I was charged late fees because I had no idea these charges existed on my account. 

when trying to settle this problem, I called Macys Customer support on XX/XX/2019 and after speaking with a representative they assured me that a bill to be sent with the total amount {$28.00}. 

Upon receiving the bill on XX/XX/2019 i was charged for several late fees. 
two fees for {$67.00} plus the balance of {$28.00} with a total of {$95.00} I believe this type of business is unfair, because Not only was I charged on a Credit Card that I gave no consent to use. But I was charged for late Fees on that same account because I had no idea these charges existed. 

I have to this report problem, because it is unjust. 

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 monetary relief
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX, I had opened an item not as described dispute for about $ XXXX with Chase Bank for XXXX XXXX that I received a broken XXXX, instead of the XXXX working XXXX I had ordered. I had already returned these items prior to the dispute so I had been asked to provide return tracking number which I did. 

It is now XXXX. I hadn't received any additional correspondence asking for any additional information regarding the dispute, and randomly I got a debt letter asking for the amount that I had opened the dispute for out of nowhere. I paid the debt and had asked why this debt was in my name. It was because I lost the dispute WITHOUT ANY NOTICE WHATSOEVER. I contacted Chase, paid the debt and asked to reassert this claim because it was wrongly declined. 

They refused to reassert the claim. I couldn't believe it. I just lost $ XXXX from a bank that did not want to help me regarding this dispute. I asked for the reasons why it was denied. It was due to no evidence of correspondence from the seller asking me to return the item ( which I had!!! But was never asked for!! ) and because the seller said they didn't receive the return ( which the SELLER DID CONFIRM! AND I HAVE A RECEIPT FROM THE POST OFFICE SHOWING THAT TOO! THATS WHY I OPENED THIS DISPUTE! ) so I was asked to fax evidence of those things. I sent a police report, pictures of my item, the return tracking, return receipt, a notarized post office letter saying it was delivered to the business 's address, and all the correspondence in between of them saying they received it. 

And now nobody wants to help me. I'm getting disrespected over the phone, hung up on, called names, because I trusted Chase to get my money back for me for an open and close dispute. They have my money. And they have my items now too. I filed reports that are illegal to lie on. Why don't I get a refund? Or at least something? Not get a debt collector notice in the mail out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 sent a Letter on XX/XX/2023, to XXXX, XXXX, AND TRANSUNION to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information with third-party people, much of this information was also mistaken, fraudulent, or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.

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 2023-10-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX would withhold my money and were not truthful in relaying information as to why this happened. Finally when I asked them to close the account they didnt and eventually charged me even if they made it seem like this was ok. I would call and be redirected countless times as a tactic to get me to hang up.

Company response to consumer: Closed with explanation