BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NC
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 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.

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 2021-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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, Bank of America notified me via text of 4 charges to my credit card ending in XXXX and asked if I had made them. I responded immediately to let them know I had NOT made these charges to protect myself from being a victim of this fraudulent activity of which I had no knowledge. As a result, Bank of America closed this account and reopened it with a different number ( ending in XXXX ). I thought the problem had been nipped in the bud and resolved by Bank of America 's fraud department. 

Unfortunately, on XX/XX/XXXX, Bank of America notified me on their website and via letter, dated XX/XX/XXXX, my dispute of this fraud claim had been denied based on my " account history '' and " information from the merchant. '' Although I have NO knowledge of these charges, including who the merchant is and what was ordered, I do know there have been NO SIMILAR CHARGES, totaling more than {$700.00}, to my account with Bank of America or ANY other credit card issuer. Likewise, I did NOT receive ANY merchandise at my home which could have been linked to these significant charges. 

The only information provided by Bank of America about the charges indicates they were placed on XXXX. I have ordered hundreds of items on XXXX in the over 20 years I've had an account with them. For obvious reasons, EVERY one of those orders has been placed through my XXXX account and I am unaware of any other way to order something from them. A review of my XXXX account history shows my last purchase was made XX/XX/XXXX, more than 2 weeks before the fraudulent charges Bank of America is trying to attribute to me. 

I have attached copies of the original texts from Bank of America notifying me of the fraudulent charges and my response to them verifying I did not make them. I have also included copies of my online Bank of America account showing the initial pending charges XXXX on XXXX ) and their reinstatement ( replacement XXXX ), along with the letter from them denying my claim. Finally, I have included a copy of my XXXX  account showing ALL of my purchases for XXXX ( with some personal information redacted ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX Please remove it 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 explanation
Consumer complaint received 2023-01-23
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I am writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! XXXX, XXXX AND XXXX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 

I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The alleged debts in question are more than 7 years old but are still being reported to the three major credit bureaus by Portfolio Recovery Associates, LLC and are still attempting to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
I was using my XXXX credit card for the last XXXX months, and discover had trouble reporting my credit card activity to the three credit bureaus. After filing complaints, the discover account finally showed up on the credit bureaus reports and website. Then I was able to get my FICO score generated from XXXX and XXXX, But not from TransUnion. Even though the credit account shows listed in TransUnion, including the last XXXX months of payments and other history. I tried generating the Vantage Score from TransUnion, but still wasn't able to do that. 
I called customer service and they said it was because the reporting was done recently and I have to wait upto three months for the score to be generated. I believe something should be done so my scores are generatable more quickly and lenders can get my FICO score. As I believe the 6 months of history is present in my TransUnion credit report. I am willing to pay extra service fees to make the process quicker and have my report so that scores can be generated and I don't have to wait another three months. Moreover, customer service seems to be unsure about the three months too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 DEPT OF ED / XXXX ACCT # 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please FIX the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the accounts listed below : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX* Balance Owed : {$15.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided.

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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've sent the following message by mail to Transunion and XXXX over 40 days ago and still have not heard back or received an update. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraud Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has charged me over XXXX dollars in fees for the past 5 years of being with the bank I don't think that's really fair

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 2020-02-05
Company: PLAZA HOME MORTGAGE, INC.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I noticed our escrow account was almost twice the balance required. I called the company and requested a refund of the excess and was told it would happen automatically that month. When I received no refund in XXXX, I called again on XX/XX/XXXX and was told they would request an escrow review and the refund would be sent within 10 days. By XXXX, still no refund had been received. I called the company again and was told someone from that department would be in contact with me. I never heard from anyone. I called yet again in XXXX and spoke with a gal named XXXX, who said her agent number was XXXX. She said she could see the refund had been approved and that it was being mailed on XX/XX/XXXX. It is has been 9 days since XX/XX/XXXX and still we have not received a refund. I called the company again today ( XX/XX/XXXX ) and was told the check was mailed today. I do not believe them. Can you please help us or let us know how we can take some action against this company to get our funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sold three sewing machines on XXXX. These machines were personal items. I loaned money from my business to family members in anticipation of these funds. PayPal has for no reason taken my money i.e. {$7000.00} and told me they are closing my account and keeping this money for six months. The buyers are happy and Im happy with the transaction. PayPal has no reason whatsoever to do this. Two machines sold on XX/XX/XXXX and one on XX/XX/XXXX. Totaling {$7000.00} I shipped the items immediately. Provided tracking info. Provided PayPal with additional info. I have never had chargebacks, never a customer complaint, and only use PayPal and XXXX  once in a while. I was planning to start doing more business but could lose my business and my home over this. {$7000.00} is a lot of money my family and I were counting on as soon as PayPal said money was there. I have emailed, called and called and called PayPal and all employees act as if this is just ok and Ill get an email in six months about how to get my money. If there was a reason for this I would have no problem but nobody has done anything wrong except PayPal trying to take this money for six months. Fine if thats how it is but Ill be asking for interest, penalties, my time @ {$75.00} hour for this whole debacle, attorney fees and potential growth of {$7000.00} dollars at my business that PayPal has cost me after six months. I just want whats legitimately mine and my familys. A computer algorithm at PayPal has caused this problem and nobody there is willing to fix it without someone going to these extremes. Hopefully this complaint and this agency can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo account XXXX on XXXX took out {$4000.00} from name XXXX XXXX I do not have any bill due for any company XXXX XXXXXXXX  and it seems this is not legal i do not know anyone XXXX XXXXXXXX name said XXXX XXXX XXXX and thats not my name XXXX XXXX XXXX XXXX This company must be stealing from me.,. 
XX/XX/2020 statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MI
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 numerous 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX I had a Wells Fargo checking and savings account. XXXX was committed against me. I reported the fraud against me to Wells Fargo on either XX/XX/XXXX or on XX/XX/XXXX. I was XXXX with XXXX  overdraft fees and other fees even though I reported the fraud. I was charges with fees in the amount of {$XXXX} on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX, and had to pay {$XXXX} to close the account because they kept charging more fees in XXXX of 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 2023-09-06
Company: EQUIFAX, INC.
State: DC
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:
The bank, on behalf of XXXX, sent me a false, misleading, and materially incorrect letter. 

It refers to credit report data, but no credit report is listed. My credit reports are frozen due to identity theft. 

The reduction letter asserts that there is no mortgage data on my home, while I have a mortgage with XXXX and have had the same since 2008. 

The report says I have too many inquiries, which are false, misleading, and fraudulent. I have less than four authorized I have inquiries.

The bank says I have cars with high balances, yet I have at least four cars with a XXXX balance, overpaid ( credit ) balance, or no balance greater than 25 % of the authorized credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm filing this complaint on behalf of my XXXX XXXX XXXX son. My son opened a Discover Card account while he was in college. At that time,XXXX, he had a part time job and I wanted him to start building his credit. His stated annual gross income was {$2000.00} and Discover gave him a {$750.00} line of credit. My son now has a {$6600.00} line of credit and he has never asked for an increase. My son 's profile on the Discover Card website indicates that he still has a stated annual gross income of {$2000.00}. My son is now out of college and looking for a job. In the course of looking for a job in the past year, he has reached his credit limit. On XX/XX/2023 my son and I conferenced called Discover Card to try to negotiate a reasonable payment plan. After speaking to XXXX agents and over an hour on the phone, the best Discover Card would do would be to lower his APR to 16 %. I do not find this acceptable and I don't understand how a person with a stated stated annual gross income of {$2000.00} can get {$6600.00} in credit.

Company response to consumer: Closed with explanation