BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: AL
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 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 has violated my rights. Or list of inquiries 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 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 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 2023-03-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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. 
Account name : XXXX XXXX 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 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is the company I went to the company back in XXXX of XXXX  took my police report sent in my driver 's license and social security card signed papers with my signature got documents notarized and took all the proper documents back to the company its been 3 months and no action has been taken from this company about this fraudulent account the amount {$3300.00} this account has been opened on my credit report since XX/XX/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 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had many issues with this small business account after having to replay fraud issue when I received my new debit card it was placed under a restricted with no explanation of why Im being penalized for being a victim of fraud not only can I not add it to any of my virtual wallets Im not able to offer or expect those payments which in turn has paralyzed my business Ive called several times over the past weekend with no recourse of action to explain to me why Im under restriction

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2020-07-31
Company: EQUIFAX, INC.
State: VA
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:
This inquiry is unauthorized. I already sent a letter to Equifax, XXXX  and XXXX  multiple times but until now, this still is being reported. I never authorized this company to run my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Called XXXX XXXX XXXX XXXX several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a Chase bank account online on XX/XX/XXXX. The account was created successfully and I received the account number a several emails welcoming me to Chase bank.

On XX/XX/XXXX I was unable to login to Chase.com to access products I currently have with Chase, credit cards and mortgage. The message I received was " We weren't able to sign you in ; please call us so we can help. Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ... '' After calling customer service I

was routed to Operating Loss Prevention, which informed me that Chase decided to end their banking relationship with me and that no reason would be provided. My account access would be unlocked in 10 days, once they've had a chance to fully close my Chase banking account and any deposits I had made before the account was closed would be returned to me via check in 10 business days, any future deposits would be rejected. After calling several times and asking management for an answer, I was read the same script and provided answers such as Chase can choose to end a banking relationship for no reason, similar to how a consumer can chose to end a relationship for no reason. 
I have already purchase checks for this account around {$30.00}. I also rerouted my direct deposits to this account from my old XXXX XXXX XXXX account, which had to be undone on XX/XX/XXXX. My direct deposits did not reach my XXXX  XXXX XXXX account and were likely declined by Chase. I now have to see what options my payroll department has for resolving this issue. I have lost significant time and effort and funds trying to determine why Chase decided to close an account of a current customer without notice or explanation. This is an unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX  I c alled to place an order with   XXXX   clothing catalog. The sales rep kept insisting on signing me up for a credit card even though I told her no several times. I finally gave in and she charged the first order to the card. After I got the merchandise, I waited for the statement but never receive d one so I s  ent the {$25.00} payment. I placed several more orders via mail and paid with a check. From  XX/XX/XXXX  t  o  XX/XX/XXXX  I ne ver received any type of statement from  XXXX  about my credit account. I received a statement i n  XX/XX/XXXX  showi ng I owed {$180.00}. It was a past due statement and no information was on statement showing what was charged. I called  XXXX  and was told they would look into it. I did not hear from them and then I got a letter from  Portfolio Assoc. Portfolio is  a collection agency and I explained to them that I did not owe the money and explained to them that  XXXX  was taking care of the issue. I called  XXXX  again and the customer rep did not know anything about the account and showed I owed the money. I called my daughter,  XXXX   XXXX , to help me and she called the corporate office for  XXXX  and explained the situation. They looked into the account and told her that I was being charged for a {$14.00}   "     VIP '' service w ith the credit card. I never authorized the   VIP service.   XXXX  researched the phone call and called my daughter back and told her they would credit all the charges since they were not authorized and they would contact  XXXX   XXXX    XXXX   on my behalf to get the account cleared. My daughter contacted the bank and everything was cleared on their end and my account showed a  XXXX  balance. I kept getting letters and calls from Portfolio and each call they were very rude and refused to work with me. I told them each time what happened and they continued to call. My daughter called  XXXX   XXXX  again to see if they could send something to the collection agency to to me showing everything is resolved. They did send me a letter explaining that I am not responsible for the disputed account and the we sent it to Portfolio and it was received on  XX/XX/XXXX . I thought the issue was resolved until I received anther letter on  XX/XX/XXXX  saying I stilled owed the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
please delete these unauthorized inquiries : XXXXXXXX XXXX XXXX XX/XX/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 Please delete these inaccurate Addresses : XXXXXXXX XXXX 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 fourth 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 alleged fraud or extortion. 



XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX  XXXX XXXX XXXX : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2021

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 2017-05-15
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In  XXXX     2017 I r eceived a mailer fr om US BA NK stating the following : " Available nationwide, U.S. Bank is offering you a chance to earn a {$200.00} bonus when you open a new consumer checking account with direct deposit valid through  XXXX   XXXX ,    2017 wi th  promo code   XXXX . '' On  XX/XX/2017   , I called US Mortgage and spoke to a representative to explain the fine print On  XX/XX/2017    I opened my checking account online with USBANK.   I have since completed all the requirements and fine print, I waited the allotte d 6-8 we eks to receive my refund.   On  X/X/17    I spoke to various representatives and branch employees stating many different things from " we do n't offer that promotion '', " you need to wait more '', " your funds will be deposited on  XX/XX/17    ''.   On  XX/XX/2017   , I spoke to a representative named  XXXX  this morning and was told to wait some more.   This is a clear case of false advertising.

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 2017-05-15
Company: SYNCHRONY FINANCIAL
State: PA
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 have  a Walmart  i card Account ending in  XXXX  for 1 year now and payments have always been on time, yet they continually lower my credit availability ... based other Synchrony accounts that were fraudulent and reported as such i want my credit avail increased fairly, and reinstated to the  XXXX  i once had.

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 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: AK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Attention underwriter!!! 

I recently applied for a credit card. I was denied. My next step will be a complaint with Consumer financial protection bureau and I have a claim. 
On the consumer transaction. I ask we proceed and Act in good faith. Denying me access to my credit is discrimination. I have rights to my credit, Withholding my access to my securities is securities fraud. According the consumer credit protection act, equal credit opportunity act, title 15 USC 1691. My ss # is my full faith in credit. Please give me a list of all the factors of this consumer transaction. I am the beneficiary. I am aware of the securitization process and am entitled to the proceeds. Interest. Please correct the error. Thank you. Looking forward to setting this matter. 
You sent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX acct # XXXX Has violated my consumer privacy rights!!! 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 section 2 It also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason..

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 2017-05-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX   XXXX  is working m behalf of   XXXX   XXXX   XXXX  s and they illegally reported to transunion that i owe them money. I disputed this with transunion and they still allowed them to stay in my credit report. My state attorneys office has already fined this company and they are not licensed lenders and transunion still allowed this to stay on my credit report, unlike  XXXX  and  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 2023-11-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Long story short - Wells Fargo let a female do over 60 charge backs claiming they never received the money. XXXX allowed this and stopped investigating and closed it. Wells Fargo investigator said XXXX  needs to claim it its a clear money trail money sent to XXXX than to my XXXX  than to a Wells Fargo which none was authorized by me I even tried to file a ic3 form no one has been any 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 2023-05-12
Company: Self Financial Inc.
State: OH
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:
In XXXX of XXXX, I closed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However,, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX still reported me as 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. After repeated phone calls, I was sent a check in XX/XX/XXXX in the amount of {$63.00}. 

Attached you will see a snapshot of how it looks on my credit report. My payments to XXXX XXXX and the deposit to my bank. 

XXXX is negatively affecting my credit by reporting erroneous information of 30 and 60 days late. XXXX XXXX XXXX XXXX XXXX never accurately reported my account as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the account in full on XX/XX/XXXX. I have submitted documentation of the balance paid, but the account was updated as accurate and that I infact owe this money, when I DO NOT OWE ANYTHING.

Company response to consumer: Closed with explanation