BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Adler Wallach & Associates, Inc.
State: CA
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:
Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint AWA continues to claim that I have an account with XXXX that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to lodge a formal complaint regarding a disputed account on my credit report, which is adversely affecting my credit history. The account in question is related to an auto loan with USAA, and I strongly believe that they are inaccurately reporting a balance despite agreeing to a settlement. 

Account Information : Creditor Name : USAA Details of Dispute : On XX/XX/2022, I entered into a settlement agreement with USAA to resolve the outstanding balance on my auto loan. Per the terms of the settlement, I paid the agreed-upon settlement amount, which was accepted and acknowledged by USAA as full satisfaction of the debt owed. I have copies of all relevant documents, including the settlement agreement and proof of payment, for your reference. 

Despite the settlement and full payment made, I am dismayed to discover that USAA continues to report a balance on this account. This reporting error is unjustifiably harming my credit score and affecting my ability to obtain credit and loans at reasonable terms. It is my understanding that once a settlement has been reached, the balance should reflect as {$0.00} on my credit reports, indicating that the debt has been fully resolved. 

Steps Taken to Resolve the Issue : I have attempted to resolve this matter with USAA directly by contacting their customer service department on multiple occasions. However, my efforts have been met with unsatisfactory responses, delays, and lack of action. Despite providing evidence of the settlement, they have failed to correct the erroneous reporting on my credit file. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf. I ask that you ensure USAA updates their reporting to accurately reflect the settled status of the account and show a balance of {$0.00}. Furthermore, I request that appropriate measures be taken to prevent such inaccuracies from recurring and negatively impacting other consumers. 

Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today is XXXX XXXX. I checked my credit score on Wells Fargos banking website. Wells Fargo uses XXXX  and XXXX XXXX Wells Fargos credit score is not the same as my XXXX credit score on XXXX website. XXXX is using XXXX XXXX as well. I have attached both websites to show proof that the credit scores are not the same. The fair credit reporting act law states that all consumer credit reports and scores MUST be accurate. Why is Wells Fargo not reporting the same XXXX XXXX score as 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 2023-02-14
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XX/XX/2021 I had fraudulent charges from a XXXX XXXX XXXX on my Chase card I knew this was fraud and contacted Chase. They froze the old card and sent me a new one with no problems. In XXXX I started to have fraudulent charges from a XXXX XXXX XXXX XXXX. I had done business with XXXX and XXXX XXXX who operated as XXXX XXXX XXXX XXXX. I confronted XXXX over the phone but she died that same day before we could resolve the issue. I called Chase about fraudulent charges and they initially gave me credit but did not close the card and send me a new card. Initially I received credits while Chase and I were supposed to contact the company. I wrote to a XXXX address XXXX XXXX XXXX based on the information on XXXX Secretary of State LLC registrations. It was returned to me unopened. I then contacted Chase to see if they had contacted the company. I believe they used the internet because I got the same results. The internet links were for were XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both incorrect. I know XXXX XXXX has been in XXXX and has had XXXX male associates who have stolen from her ; XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. I believe they all have criminal records. I purposely paid the full amount of my charges in XXXX and when I was initially given credit I had a {$17000.00} credit balance in XXXX. When my XXXX statement came it was for {$41000.00} on an account with a {$27000.00} credit limit which I had requested to be lowered to {$8000.00} when I called about the fraudulent activity. I believe if Chase will separate the real charges for XXXX XXXX XXXX XXXX from the fraudulent charges by XXXX XXXX XXXX XXXX I should have credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Comerica
State: HI
Product: Credit card or 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 or About XX/XX/XXXX, my account was placed on " Fraud Suspension ''  without notice! And to this date, I am unable to access any of my funds! 

I have attempted to contact XXXX XXXX XXXX, everyday since being Denied at the Grocery Store in XX/XX/XXXX. Upon Initial contact & thereafter, I received the exact RUDE  response, " We apologize for any inconvenience but due to the " Fraud Suspension '' placed on your account, we are unable to access any information nor tell you why your account was placed under " Suspension '' in the first Place ... Someone from the Fraud Department will be contacting you soon upon completing there investigation - by letter or phone ''. I am also unable to get an exact time frame of when the investigation will be done & /or when I will have access to my fund 's. 

I have also requested to speak to a Supervisor & I'm told that an email has been sent & someone will contact me within 24 hours. Still NOTHING & No one in the Customer Service Center seems to care! Each Representative, I spoke to was extremely Rude & Cold-Hearted! For example, upon explaining my situation to the Representative, I was informed that I needed to WAIT. Because I wasn't satisfied with that response I asked, what would she do if she were in my situation? Representative replied, " Well its NOT me - so WAIT '' - " So if there's nothing else I can help you with " I don't have time for this ''! I got this response countless times! 

As of today, no one has contacted me nor did I receive a letter or email notifying me that my account would be placed on " Suspension '' OR " WHY ''. 

I am XXXX & have XXXX Children whom are Homeschooled due to illness & I am the XXXX XXXX for my family. Aside from XXXX, this is my only Source of Income. Since the suspension, I have been unable to pay any of my bills, purchase medications, toiletries, gas etc.! 

My phone service has been cut off, I have an automobile loan which is in default & may be repossessed any day now. My mortgage is due at the end of every month. In the meantime, Fees are incurring. 

I have also attempted to contact the Social Security Office directly in person & was informed that they are unable to offer any Guarantees & that I needed to contact XXXX XXXX XXXX, to resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We bought XXXX XXXX points in XX/XX/XXXX. We were told that we could get " an interest free loan for 15 months '' by getting a XXXX XXXX Amex card & using it for the purchase price which we did. The price was {$15000.00}. With fees it was {$16000.00}. We were told there was also an annual membership fee of {$250.00}. We received an Amex statement with a balance of {$16000.00}, a due date of XX/XX/XXXX, & a minimum payment of {$320.00}, which I paid. The next month the statement had a balance of {$16000.00}, a due date XXXX, & a minimum payment of {$320.00}, which I paid. It showed that we had paid interest of {$3.00}. The next month there was another minimum of {$310.00} ( balance {$15000.00} ; due XX/XX/XXXX : interest {$4.00} ). On XX/XX/XXXX I called customer service ( XXXX ) asking why we are getting billed ( with interest ) when we were told it was interest free. We were told that the " fees '' were not covered by the " no interest '' promotion. The fees were not specified nor quantitated. I then asked what was the minimal amount I needed to pay above the new minimum ( {$310.00} ) in order to bring the balance down to the the level where no payments were needed. I was told the answer was {$250.00}. I then paid that total ( {$570.00} ). 

This month 's statement has a balance of {$15000.00}, due date XX/XX/XXXX, minimum of {$300.00}, & interest {$1.00}. This balance is BELOW the purchase price ( {$15000.00} ) for which we were PROMISED a 15 month interest free period. 

I was VERY clear when I called that my goal was to eliminate the need for payments. I asked the agent multiple times if he understood & he assured me that he did. It was a long call because the agent had to consult his superiors. It is hard to believe that this is an innocent mistake. 

I believe this is fraudulent. I believe it is intentional deceit on the part of Amex ( & possibly XXXX ). The interest amounts are small, but I DO NOT want to pay ANY interest & I went out of my way to try to achieve that. Also small amounts add up with many cardholders. I am hoping that you can resolve the issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been making requests to further investigate the accounts referenced in the attached letter for the last 10 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : 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 2019-07-08
Company: Experian Information Solutions 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:
Im reaching out because there are still items on my credit that are still mind. I have reached out to the FTC and my local police department and I am doing this on my own behalf and Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct 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 2018-12-20
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My XXXX account was closed recently, I requested it closed due to an unauthorized transaction on XX/XX/20 in the amount of XXXX to a XXXX or a name similar thereof. There is currently a balance in the amount of XXXX in my account and I need a check sent for this amount plus XXXX, a total of XXXX. As explained to numerous XXXX reps and again here, I do not know this person, XXXX, I do not send money to any person I do not know. Most recently, a XXXX with XXXX attempted to refer me to authorities about the matter, stating to contact them if I believe I am a victim of a scam/fraud. Unfortunately, the police can not reimburse me for the transaction and XXXX as well as other XXXX reps are aware of this, referring me to police is merely a runaround. This transaction was reported as fraud the same day I saw it on my credit card account as pending at the time, reps have done little to investigate aside from verifying log in activity which I did not log in that day. I wish to reiterate that I do not know the person, XXXX, he or she appears to be using the account to sell themselves for XXXX, which is a violation of XXXX  terms of use. XXXX reps will not look into this or reverse the transaction out of the person 's account, refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2021 XXXXXXXX XXXX XXXXXXXX initiated an unauthorized inquiry to my consumer report on behalf of I, consumer, XXXX XXXX without permissible purpose. I have attempted to fix this issue with the 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 2023-07-26
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: Investigation took more than 30 days

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

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

PLEASE SEE ATTACHED LETTERS.

Company 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 2022-10-26
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that 3 Credit Bureaus closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: PA
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:
My name is 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 2023-07-26
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:
I am writing to file a complaint regarding an inaccurate account on my credit report that was still reported despite my previous request and kindly request your assistance in getting it corrected. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX  XXXX Balance Owed : {$1100.00}.

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