BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: LA
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 following accounts 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. States a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: BARCLAYS BANK DELAWARE
State: IL
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:
On XX/XX/XXXX I reported fraudulent activity to Barclay 's fraud department for the following : 2 charges at different XXXX stores on XX/XX/XXXX for a total of {$220.00} 1 charge at XXXX XXXX on XX/XX/XXXX for {$110.00} 4 charges at different XXXX  stores on XX/XX/XXXX for a total of {$440.00} They sent a letter on XX/XX/XXXX stating they investigated and XXXX to be valid and removing credit from my account. 
They sent a letter on XX/XX/XXXX stating that investigation is completed and I am not responsible for fraudulent activity. No amount was given. The credit for XXXX remains on my account but when I called to ask for the remainder to be credited ( {$550.00} ) they stated the investigation had been closed and merchant proved they were valid. How did they determine only two of the 6 charges at XXXX are fraud while the other 4 and 1 at XXXX XXXX ( all in different cities ) were valid? I want the full amount credited because it is obvious I could not have made the charges ( other valid charges on the same day had me and my card which was in my possession located in a different city ). Please help me resolve this dispute.

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 2021-05-04
Company: EQUIFAX, 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:
wrong info : FCRA violations XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: U.S. BANCORP
State: WA
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:
I paid a company called XXXX in XXXX of XXXX the sum of XXXX, this came with a monthly service charge of XXXX on my XXXX XXXX. After a year they told me they were no longer accepting XXXX, I could only assume XXXX had a problem with chargebacks due to fraud. They then convinced me to give them my visa card. The only way to be successful would be to purchase the Platinum Package which was worthless. They charged my XXXX card for years convincing me I was going to make money.I spent a good part of my life in the service and was counting on this to supplement my retirement. To my dismay the XXXX XXXX XXXX that all this was charged on told me they would only go back 90 days.I talked to a girl called XXXX, who was not very helpful.I wanted to dispute them as services not rendered or merchandise not as described, which I have been told the time frame could be as much as 540 days.My visa has a total of XXXX from this company.I do not feel the XXXX people are correct. XXXX told me they would cancel my remaining 11 months.To me that tells me they know they are wrong.This merchant should refund me in full.They broke all the FTC rules.Not only did they break the law, they left me with no online business, in debt, and no ability to earn money.The bank says they can not help me but the merchant can take my moneyI am only asking XXXX XXXX XXXX to help me using their own rules and regulations.These at home business opportunity companies should not be allowed to operate a merchant account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 following accounts 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. States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, PA XXXX FTC Report Number : XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, On XX/XX/2023, disputed an account reported by XXXX XXXX XXXX XXXX the file you maintain under my Social Security number. 

I was informed on XX/XX/2023 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Which you never notified me. Please show me a certified copy of the letter you sent to the address above within 5 business days of this reinsertion. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency

Company response to consumer: In progress
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paid my Amazon prime visa bill down on XX/XX/2023 they put a hold on my credit limit. They claim because it was a large amount. Ive made large amounts before and they never held y credit limit, even after paying late. Ive called XX/XX/XXXX and asked about the hold and they stated because it was a large amount and they are wanting for it to clear but it cleared on XX/XX/2023 from my account and on their end, but it will be cleared on XX/XX/XXXX. Called again XX/XX/2023 and they said the same thing and said it will be off XX/XX/2023. Im being punished for wanting to pay my bill down it seems to me cause they been had the money, the money cleared the next day on both ends, so they are holding my credit limit hostage because I couldnt take the amount I owed them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2019-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian refuses to remove a charged-off account that was opened without my authorization and as a result of ID theft. Ive sent an official police report, FTC complaint, employment and ID documents proving that Ive lived overseas and did not open, access or use this account. XXXX  and XXXX   promptly removed the same fraudulent account in XX/XX/XXXX and adjusted my credit score. Yet when the same dispute was submitted to Experian in XX/XX/XXXX, they refused to adjust the score. When provided the same supporting documents on XX/XX/XXXX, they still refused. As of XX/XX/XXXX, this fraudulent account is still on my Experian credit report, thus preventing me from using my correct credit score. Experian provides excuses every time I call them, which is essentially a waste of 60 mins on a daily basis. I want to formally file a complaint with the CFPB again Experian to help me correct my credit score and allow me to live my life.

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 2021-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Recently, I paid for my mother in laws funeral and was double charged. It's been over a week now and USAA still has not fixed my account. I have direct deposit and the money is getting eaten up by the overdrawn account. My account has been overdrawn by over {$5700.00} since XX/XX/XXXX. USAA admitted this was an error on their end but everyday they give a different refund timeline. At this point all of my payments are behind and at risk of disconnection. I have even escalated this issue to their CEO relations team and they have refused a temporary credit even though they know funds have been released by the 3rd party bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions 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:
I currently have a Fruad account on my credit report and unauthorized inquiries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX ( XXXX ) I received notifications from XXXX of my banks that information on my credit report had changed. It appears that someone applied for XXXX or more credit cards using my information. 

As of today, XX/XX/XXXX, the following is true : XXXX shows a hard inquiry on XXXX from XXXX XXXX XXXX XXXX XXXX shows a hard inquiry on XXXX from BK OF AMER I've made the following calls today, XX/XX/XXXX : To XXXX- they confirmed that an application had been attempted and said they would resolve the matter on my behalf, including a letter to the credit reporting agencies stating that the XXXX inquiry was not made by me To Bank of America- they were unable to provide any information on the hard inquiry. We agreed that my best course of action was to call XXXX and dispute the inquiry To XXXX- I successfully filed a dispute of the hard inquiry from BK OF AMER and placed a fraud alert on my account. They recommended that I create a case with the FTC, which is what led me here to create this complaint.

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 2022-05-24
Company: Experian Information Solutions 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:
I have requested for 5 years the permissible permission used by Experian and XXXX XXXX XXXX XXXX in XX/XX/2017 to have had accessed my credit report. They have yet to give me or give me a reason why they refuse. XXXX simply labels the request as duplicate. Experian employees don't know what to do and answer with the best form reply they can. I feel sorry for these employees to have such a dead end job.

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 2022-12-03
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit Reporting Act 15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 It so states a consumer report furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Professional Debt Mediation, 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: Account status incorrect

Complaint:
After a 3 year lease with XXXX XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ) they allege false damages on the move out inspection in the amount of {$7000.00} reported it to a collection agency and then had it placed on my credit report. Some actions I have taken to resolve this issue are. Contacted XXXX XXXX XXXX XXXX via email XX/XX/XXXX, sent copies of XXXX County Magistrate Court civil action number XXXX to Professional Debt Mediation, I have sat down and discussed this issue in XXXX County Magistrate Court mediation, have filed dispute with each of the three major credit bureaus also file suit in XXXX XXXX Magistrate Court on XX/XX/XXXX and won judgement in my favor on XX/XX/XXXX civil action numberXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: BARCLAYS BANK DELAWARE
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:
My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX  and XXXX  as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

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 2022-12-03
Company: DISCOVER BANK
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 XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of Federal Trade Commissions Identity theft affidavit. Please delete the 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 non-monetary relief