BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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

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 2023-08-22
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I got an email saying the bank transfer has gone through. Being I had NOT made any transfers I went immediately to our online banking account. Sure enough, we were down {$2200.00}. Whoever sent our money to the XXXX XXXX XXXX XXXX. Last 4 of their account number is all I can see, XXXX. Transaction number was XXXX. I called the bank immediately and filed a fraud case, claim number XXXX After a few days I was told that they would not make it good because whoever did this to us used my username and password. We have no idea how it was done or how someone could get our info. I was then told by the bank that we could file an appeal. I told them yes, I wanted to. I was told that whoever stole our money used XXXX, which is located on the US bank dashboard page, once logged in to do the transfer. I was then told to contact the police and file a report of theft. I did with an Officer XXXX phone number XXXX here in XXXX. I have not heard from him since. I even called and left a message 2 days ago. We then closed our bank account and opened a new one. We can not afford just walking away from this money. Because of the loss I can't afford our house payment or elec. bill. I've had to take money out of my pitiful savings to try and cover it. Now I have late fees and we are still waiting for our checks and bank cards. We were issued temporary ones but were not told that our temp. card has a limit on it. Which our house payment is over. We did NOT do this and have had NO part in the theft. We have been with US Bank for just over 25 yrs. One would think that would show them that we are loyal and trustworthy customers. But now we are afraid to do business with them if our money isn't safe. 
Filed a fraud/scam with the FBI on XXXX The Missouri Attorney General 's Office has successfully received your complaint. 
Your Incident Number is XXXX Please help us get our money back. Thank you XXXX and 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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
they reporting XXXX XXXX  and XXXX  XXXX increase when i didnt use the cards

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 2023-11-15
Company: PRESTIGE FINANCIAL SERVICES INC
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/23 I sent an email to my auto loan finance company, XXXX regarding the reporting of inaccurate information on my consumer report. I have dispute the account as well with the Credjt Reporting Agencies to no avail and verified results. The issue and dispute is that per the FCRA there must be accurate information being furnished. Im addition there must be a reinvestigation into the account which was completed to no avail or update to the reporting information. The current balance being reported is XXXX, however the actual balance is currently XXXX per Prestige. I have asked for this information to be update however was denied due to me being in a payment agreement with the company. As federal law supersedes these companies policies and they have failed to comply with the FCRA and XXXX XXXX compliances I am seeking resolution immediately. Lastly these violations are subject to 15 USC 1611 for the willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$33.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: MD
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:
I am writing this to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges listed. I ask that the items be deleted to correct my credit report. I report this theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$12000.00}

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 non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian and XXXX, to reinvestigate this account : Account name : XXXX XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with credit reporting. I have evidence to prove my case.

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 2023-06-09
Company: The Cherrington Firm PLLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today I received a phone call from a place called Cherrington Firm based in XXXX, Utah. The woman ( XXXX XXXX on the phone claimed that my mother owes a debt and that written notice was sent and they didn't receive a reply. 

1. My mother is XXXX XXXX XXXX and suffers from XXXX XXXX demntia. She is under conservatorship and guardianship of my father, XXXX XXXX. She can not legally handle her own affairs. 

2. I receive the family 's mail. We have never received any notification of debt at all. Of course when I asked XXXX about the debt she refused to answer any of my questions. 

3. Cherrington is cruel, trying to harass a XXXX XXXX XXXX woman with XXXX XXXX 4. My phone number is not my mother 's.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: BARCLAYS BANK DELAWARE
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:
THIS COMPANY IS IN VIOLATION OF MY RIGHTS AS A CONSUMER. DURING THE INVESTIGATION OF A DISPUTED ITEM ON MY CREDIT REPORT IT IS THE DUTY OF THE COMPANY REPORTING THE POTENTIAL ERROR TO REMOVE THE IDENTIFIED DISPUTED ITEM UNTIL AN INVESTIGATION IS COMPLETE. I RECEIVED A CREDIT REPORT SHOWING THAT THIS IS NOT THE CASE AND THAT THIS ITEM IS CURRENTLY STILL BEING REPORTED. THIS VIOLATES MY RIGHTS. IN ADDITION TO THIS I DID NOT CONSENT TO BEING COMMUNICATED WITH VIA EMAIL OR TELEPHONE BUT THIS COMPANY HAS REPEATEDLY SENT ME EMAIL AND PHONE CORRESPONDENCES. I SPECIFICALLY STATE IN MY DEBT VALIDATION LETTER TO ONLY CONSENT TO BEING CONTACTED VIA MAIL. THERE HAVE BEEN SEVERAL VIOLATIONS ON THE PART OF THIS COMPANY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I noticed a charge of {$830.00} was made through XXXX using my Capital One card. XXXX had processed this charge as Friends & Family to a XXXX. Capital One listed this charge as a professional service. 
I immediately ( on XX/XX/XXXX. ) contacted Capital One and disputed the charge and also requested a new card. I contacted XXXX and tried to dispute this charge, however I was told friends & family charges were not covered by XXXX. 
They advised me to contact the person who charged my card. This person ( XXXX ), has blocked me on XXXX and I am unable to contact him. XXXX advised me to contact Capital One. I did so on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Each time I spoke with an agent in the fraud department. I filled out all paperwork Capital One asked me to. I asked Capital One to contact the person who charged my card and ask them to also provide evidence of purchase/service/etc. I informed Capital One that I believe either my XXXX, my email or my XXXX had been hacked. Capital One never contacted XXXX. They never asked this person to provide evidence. They only contacted XXXX. I have pages of documentation of calls, letters of updates, charges reversed and then reapplied. As of today XX/XX/2023, I was informed by XXXX at Capital One that they would not investigate further and that they would hold me responsible for these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Between XXXX XXXX and XX/XX/XXXX, I deposited {$500.00} at Bank of America ATM XXXX XXXXXXXX attached to the Bank of America building at XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX. 

I failed to take a receipt when I made the deposit. 

This {$500.00} payment was never credited to my account. 

The original credit card account number is different from the current account number. 

I want BofA to credit me with {$500.00} on my current credit card account. 

Within 5 days, I called the customer service number on the back of my credit card. I called them back several times. They checked my account several times and told me several times that no {$500.00} deposit had been credited to my account. Eventually, I realized they were of no help. 

One of the bank building managers told me to contact the ATM division. All communication after XX/XX/XXXX was with this division. 

Except for one communication by fax, all communication with the BofA ATM division was by phone.

After each of several phone calls requesting the ATM division for help, I received a letter from BofA telling me the bank was investigating my claim or requesting more information. I may have made some calls which were not followed up with letters. BofA told me I had told them the exact date of the deposit. This was impossible as I did not have a receipt and did not remember the actual date. I always gave a range of dates. They asked me repeatedly for a copy of the receipt. I told them repeatedly that I did not have one.
The following is a list of letters from BofA by date and case number. 

XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX # XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX The letter of XX/XX/XXXX is particularly interesting because they ask me for the following information followed by a blank page. 

The letter of XX/XX/XXXX informed me of a {$500.00} deposit. I never made such a deposit. I never claimed to make such a deposit. 

The following XXXX letter denies such a deposit was made. 

I have spoken to the following people : XX/XX/XXXX XXXX ATM division XXXX or XXXX ATM division XXXX XX/XX/XXXX XXXX ATM division XX/XX/XXXX XXXX ATM division ATMs have cameras. BofA could search the photos to find my likeness and determine a date of deposit from that. I probably made only one or two trips to the ATM during the time period I have determined when I made the deposit. BofA has never asked me for my picture.

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 2023-01-06
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account 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 2023-06-10
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 non-monetary relief