BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On Sunday XX/XX/2021, I had a fraudulent, unauthorized transaction of {$490.00} appear on my bank statement. The charge was from a sports betting website called XXXX based in XXXX XXXX, CA. I have never heard of this site in my entire life as I do not gamble. I went out of town the weekend of XX/XX/XXXX to the XXXX, and the only time I used my debit card was at a gas station in XXXX. The address of the XXXX was XXXX XXXX XXXX in XXXX, CA. I noticed the charge at XXXX a couple of hours later after leaving the XXXX. After noticing the charge, I immediately locked my debit card and tried contacting the " 24 hour customer service '' line at Bank of America. They did not answers after 30 minutes of waiting, so I went to Bank of America the next day. On XX/XX/XXXX, an email was sent to me at XXXX that my debit card was trying to be used in XXXX XXXX , Missouri . Luckily, I had locked my debit card the previous day. I filed my first fraud claim with Bank of America on XX/XX/XXXX and received a {$490.00} credit to my account on XX/XX/XXXX. My claim was denied on XX/XX/2021 claiming that the charge was authorized by me or someone who has the permission to use the card of account. However, I did not authorize this charge and no one else has access to my card or account. On XX/XX/XXXX, I had a meeting with a bank teller to reopen the claim and to provide the evidence that someone tried using my card after I locked it. On XX/XX/XXXX, my claim was denied again because Bank fo America said I or someone I know authorized the {$490.00} charge. Bank of America withdrew the {$490.00} credit from my account, and my issue still has not been resolved.

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 2023-02-17
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-08-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have our primary mortgage with HSBC, which is being service by XXXX XXXX. We have a contract to sell our house, and would like to close soon. I first contacted XXXX XXXX on Friday XX/XX/21 to request a payoff letter. I was told that it would take a few days to prepare, because my loan had been subject to a modification last year with the pandemic crisis. I said fine, no problem. But then 12 days elapsed without receiving a payoff letter, so I finally called again on Wednesday ( XX/XX/21 ) to request the document be expedited. 

After three phone calls on Wednesday requesting the document, I finally received a payoff letter from XXXX XXXX  late Wednesday afternoon. Upon reviewing while I was the phone with one of their representatives, I informed XXXX XXXX  that I objected to two amounts listed on the payoff letter : the Recoverable Balance of {$4900.00}, and the Property Inspection Fee of {$130.00}, for a total objection of {$5100.00}. 

I was told that somebody would call me back on Thursday ( XXXXXX/XX/21 ) to discuss, which never happened. I finally called Thursday afternoon hoping to speak with a supervisor at XXXX XXXX, and was told that I have to send an e-mail to XXXX, which I did. Quite frankly, it appears this was a continued effort by XXXX XXXX to run out the clock ( before the closing on the sale of my house ), without addressing my concerns. 

Last XXXX, when I was told our loan modification was approved ( again, due to the covid pandemic ), it was my understanding that all past fees and expenses were to be waived, which would have included the amount of the Recoverable Balance. I never once previously agreed with this charge, but did not press the issue further, since it was supposed to be waived. Please note HSBC has never documented or supported these charges, but thats really irrelevant at this stage, since all the fees and expenses were to be waived last year. 

The Property Inspection Fee first appeared on my HSBC XX/XX/21 statement, for no apparent reason ( since every scheduled monthly payment since my loan modification was activated has been on time ), and despite my repeated efforts to bring this to XXXX XXXX  attention earlier this year, this charge was never removed. 

Given HSBC ( i.e. XXXX XXXX  XXXX will not address or fix this problem, Im now asking the CFPB to help me get this straightened out. The combined charges of {$5100.00} represent a lot of money which I believe are being erroneously assessed and I feel bullied by such a large institution. I need your help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted XXXX and XXXX XXXX regarding my extended fraud alert and requested that my phone number be added to the alert. I have applied for credit applications and those applications have either been placed on hold or denied because the credit bureaus have not honored my credit and added my cell phone number to the alert. XXXX XXXX and XXXX have not added the extended fraud alert to my credit report at all and it was added to XXXX credit back in XX/XX/2019. I am in the process of having two credit card applications approved and they are being held up based on the fact that my cell phone doesnt appear on the fraud alert and XXXX is delaying the process or just not getting not at all. I contacted XXXX XXXX and they told me that they never received any information that I had an extended alert and would not add the extended alert to my credit report. XXXX and American Express have both told me that they would have to re-run my credit again, resulting in an additional hard credit pull if and when XXXX and XXXX XXXX add my cell phone number to the fraud alert which should have been done back in XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I received an email notification from Experian to check my account. I have online accounts with Experian, XXXX, XXXX  XXXX XXXX since I was identified as one of the victims of the XXXX data breach at XXXX  and I monitor diligently my credit and all my accounts. When I checked my account it showed I has no credit account with XXXX XXXX  and has NO FICO SCORE to show. Indeed, I have a very active line of credit with XXXX XXXX  in extremely good standing since XXXX. I was shocked and very upset to see this and to see when I logged into my accounts with the other credit agencies that my FICO score of over XXXX  dropped overnight to about XXXX. I protect my excellent credit with my life. I know that this is one of the major indications of identity theft. I spent hours that night and hours each day for the next several days trying to figure out what could have happened, ordering and scouring my credit reports from all agencies and contacting them. When I called my credit card issuer, XXXX XXXX, they escalated my case to XXXX XXXX XXXX of XXXX XXXX  Retail Support group. It was then discovered that XXXX never reported my credit activity for this month ( XX/XX/XXXX ) and all my credit reports and FICO scores with all four agencies reflected this and suffered an enormous drop. After countless calls and emails XXXX did finally supply my data to Experian which the following day, XX/XX/XXXX, reflected the correct FICO score of over XXXX. I then had to open a dispute with each individual agency asking them to re-run my XX/XX/XXXX reports with the correct reporting now supplied by XXXX XXXX, This was a tragic situation for me. I almost went to the police because I was sure fraud was committed against me, only to find out my own bank did not report my credit to the agencies. Now I have an indelible black-mark on my credit history with all agencies showing at 150 point DROP in my hard-earned credit for the month of XXXX that will always be there. XXXX XXXX  made a huge mistake and I'm probably not the only one. This egregious failing on the part of XXXX needs to be investigated. I need ALL my reports with all credit reporting agencies fixed immediately to show that I did not cause this tremendous drop in my credit for the month of XXXX and eradicated if possible. Thank you! 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
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: Their investigation did not fix an error on your report

Complaint:
This complaint is filed against TransUnion, XXXX, and XXXX for improperly reporting incorrect and invalid information from a account called XXXX XXXX account number XXXX. Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint so all errors can be verified. Said errors or violations are as follows : 1. Both TransUnion and XXXX are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. 2. On all three different credit reports, all 3 reports a different date of last activity. TransUnion reports XXXX. XXXX reports XXXX. XXXX reports XXXX. All differ and is impossible to verify all as correct. 3.Date of last payment is also missing from all 3 bureau reports. 4. TransUnion reports on report under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. It's either or. 5. TransUnion reports that account is disputed under Creditor 's Remarks. No disputed exist or are pending. Once dispute is over TransUnion was obligated to remove all codes and remarks about disputes from report but failed to do so. XXXX. XXXX reports on its report under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. XXXX. XXXX also reports account disputed under Creditor 's Remarks. Once my dispute was final or concluded XXXX was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! 8. XXXX also reports that the account is disputed under Creditor 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. XXXX. Finally, on all three reports under late payment history both TransUnion and XXXX show XXXX 90 days late. Contrary, XXXX shows XXXX 90 days late. Which is it.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2023, I sent a letter to address errors and unfamiliar entries on my credit report. However, I have not received a response despite waiting over 30 days. This lack of action has left me feeling disregarded and taken advantage of. I want to remind you that under Section 611 ( a ) of consumer law, any unresolved dispute must be removed from my credit report after 30 days. Therefore, I respectfully request that these accounts be promptly deleted from my credit report as required by law. 

I must also express my concern regarding the XXXX data breach, which has left my personal information vulnerable to misuse. As a result, I expect all necessary measures to be taken to ensure my information is kept secure and protected. 

Should my request to delete these accounts from my credit report not be honored, I will have no choice but to pursue legal action due to the undue stress caused by this situation. I hope we can resolve this matter satisfactorily and restore my confidence in your ability to handle my credit report with care and accuracy. 

Attached are XXXX of my most recent credit reports ; please use this to verify.

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 2023-06-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I was a victim of identity fraud. I was called on my phone from USAA 's 1-800 number and told by the person on the other line that they were a representative from USAA and they had to place a hold on my card because multiple charges were being made in California. With this I went through the entire process with whom I thought was a USAA representative as far as stopping the fraudulant activity an so forth. They even had the capabilities to send me USAA codes that I had to read back to them. What triggered me to think something was off with the caller was that they told me they were getting a supervisor on the line to speak with me and instead they hung up. I immediately looked at my account and saw {$1000.00} missing that had been XXXX  to someone named XXXX XXXX. I called USAA and told them what happened and they realized this was fraud and connected me to the fraud & security department. Long story short, I went through the entire story with the department. They said I had been spoofed where someone used an app to make the call look like it was from USAA. During the call, the representative asked me was I on a XXXX  or XXXX. I told her I only use XXXX products & have never used a droid. She then said she see 's an XXXX  as well as a droid accessing my account right now which confirmed that there was someone else accessing my account. She then remotely disconnected all phones and blocked all use to my account. We then went through the process of changing all access codes to my account. Before hanging up, she told me the hold will remain for 3 business days and I would receive my money back. What has happened is the fraud department ruled against me stating it was not fraud making me the victim, the criminal. After several complaints I still have not received my money back. I have been with USAA over 14 years with not one issue and I am flabbergasted with how I have been treated by this bank.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: JPMORGAN CHASE & CO.
State: OK
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:
Chase bank provides a service for me to see my credit score, but at the moment is showing no data. I recently failed a credit check to acquire a service ( internet ) and when I asked my bank what to do about it, they said they really didn't know what to do. I have had a credit card with them for over a year and I don't understand why is it that the website reports no available credit score, even people without a credit card have a credit score ( even if it's low ). Maybe this problem comes from Bureau sites not having updated information about me? Chase works with XXXX  to show me a credit score number, but I think is the banks responsibility to provide them updated information about my credit usage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a XXXX XXXX  XXXX # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This does not belong to me!

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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.

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