BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
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 COSIGNED FOR A CAR FOR MY SPOUSE WHO FILED BANKRUPTCY, THIS COMPANY REFUSE TO SEND ME ANY STATEMENTS DUE TO HIS BANKRUPTCY THEN CHANGED ACCOUNT TO A INDIVIDUAL ACCOUNT ON MY CREDIT. SO TODAY THEY DECIDE TO REPORT AGAIN UPDATE THE STATUS TO JOINT IN WHICH THEY TOLD ME THEY COULDN'T DO & REPORT THIS ACCOUNT DURING COVID AS 30DAYS TO LATE TO AFFECT MY CREDIT- WHICH WAS PREVIOUSLY UNDER A NATURAL DISASTER. I FEEL THEY WILL PROVIDE ME WITH NO LETTERS OR STATEMENTS TO STAY CURRENT ON THE LOAN. THEY ALSO SHOULDN'T BE ABLE TO REPORT ANY NEGATIVE RATING TO MY CREDIT REPORTS DUE GO IT BEING A ACOOUNT INCLUDED IN A BANKRUPTCY & ALSO DUE TO THE NATURAL DISASTER DUE TO COVID. THIS ACCOUTN IS IN A CHAPTER XXXX  AND SHOULDN'T BE REPORTED TO ANYONE 'S CREDIT. ALSO STATEMENTS NEED TO BE MAILED EACH MONTH

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 2022-12-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-21
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a mandatory auto draft on my business checking account for insurance. I also receive ACH payments from my clients. I was aware that my auto draft would come out of my account prior to the deposit but I was not expecting the XXXX {$74.00} overdraft fees in addition to {$8.00} a day. It seems as if a debit which I had money in the account for was held and forced an overdraft fee. I have asked the bank and received no assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. 

Account Name : XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX  XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY has violated my rights. Or 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 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 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 2022-12-21
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
they would hold my paycheck for a week and i would incur bank charges. even though the check cleared on the other end wells fargo would not release the money.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: MD
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 my fourth 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 2018-03-13
Company: BARCLAYS BANK DELAWARE
State: FL
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 used convenience checks on my Barclay MasterCard for home improvements I did in XX/XX/XXXX. One was for the amount of XXXX. On the following statement charge appeared twice. See attached XXXX statement. Contacted recipient who confirmed he received only the XXXX amount so the problem was with Barclay. Spoke with XXXX ( no last name ) in XX/XX/XXXX and given case number XXXX. Then on XX/XX/XXXX spoke with XXXX who confirmed it was an erroneous duplicate charge and assured me it would be resolved. 
The charge was then reversed on my XX/XX/XXXX statement but then was RECHARGED on my XX/XX/XXXX statement, inexplicably. 
I have since contacted them twice, on XX/XX/XXXX and spoke with XXXX XXXX identified as XXXX ) who verbally acknowledged this additional error and assured me it would be reversed, this did not happen. 
Called again on XX/XX/XXXX and spoke with XXXX ( XXXX ) with no action taken. In each instance I have called I have been mailed a letter saying we are unable to help you at this time. 
I hope you can help me. This has caused me severe emotional distress and I feel I am being intentionally ignored and feel completely defrauded and victimized by this horrible bank.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached XXXX FTC reports with accounts and inquiries I did not authorize and need to have them deleted asap they are affecting my chances of buying a house. Please also update my personal information

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 2022-02-19
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been paying monthly on my Sallie Mae acount for awhile and they continue to call my cosigner, a XXXX XXXX XXXX woman, my grandmoher XXXX times daily starting at XXXX XXXX. I pay XXXX per month on the account. My grandmother is now having XXXX XXXX, possible XXXX or a XXXX XXXX. I have asked that they stop calling her and I have written to Sallie Mae and requested that they stop calling her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CITIBANK, N.A.
State: NH
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 XXXX XXXX, 2017, an unauthorized 3rd party support company ( XXXX  ) displayed a popup window on XXXX website, as I tried to activate a new XXXX device. It said " error- call support at ( XXXX XXXX  number ) ''. A XXXX rep with a strong XXXX accent told me ( fraudulently ) that XXXX is authorized by XXXX to activate my XXXX device. She said I 'd have to e-sign a contract before they could activate it, and it would cost {$99.00}. I protested, but wanted the device functional, so esigned. On XXXX XXXX I called XXXX support. They told me XXXX is a scammer, that no activation fee should be charged, and XXXX has no affiliation with XXXX. On XXXX XXXX to XXXX XXXX, I opened a billing dispute with citi cards, my credit card company, to dispute the charge. I reported the above incident to citi dispute center. After several weeks, citi decided to pay XXXX the {$99.00} fee. I am still arguing with citi dispute center that it was adequately proven to be a 3rd party unauthorized support scam, and they should not have decided to pay the {$99.00} charge to XXXX. Citi dispute center, 4 weeks after XXXX XXXX, asked me to obtain a cancellation of the contract with XXXX. I requested that from XXXX, but they refused to cancel the contract.

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 monetary relief
Consumer complaint received 2023-07-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
At first, I applied for AMEX Blue Cash Card and got it approved. After a year, it was upgraded to BLUE Cash Preferred Card.

Later on, I put up the request for closure of BLUE Cash Preferred Card. I cleared all my dues which is confirmed by custermer care and account was closed. 
After two months of closure, AMex raised a charge of {$150.00} on my closed account, stating that " The reversal of charges of promotional reward ''. 

I enquired them from time again and again and told that the promo offer was never given to me, it was just simple upgradation. 

After 3 months, they finally lodged the dispute charge with reference no XXXX. It was attended by their staff name XXXX XXXX with employee id XXXX. But the case was never resolved. 

In the mean time, AMEX started applying the late payment fee and interest charges. Though I explained them my case and they agreed also that the mistake was at their part. I have never defaulted any payment, still they have spoiled my Credit History. 

On enquiry, I was advised that my case now has been transfered to XXXX XXXX XXXX with case no XXXX. Its been more than 1 month, my case remains unresolved. 

Due to all this, my another card " AMEX Delta Gold card '' has also been suspened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TrueAccord Corp.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
True Accord/XXXX  continue to harass me on a collection debt i never authorized from XXXX for {$1100.00} back some years ago. I have disputed this debt as fraud numerous times since the start and i continue to get emails from True Accord requesting payment on a fraud account. I have also requested a cease and desist many times and my information removed deleted from all collections files and collection agencies since -the validity of this collection has been disputed many times as Fraud and i request written notice that such request has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX {$900.00}

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 2018-10-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Back in XX/XX/XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that the same accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

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 LETTERS FOR REFERENCE

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 2022-11-15
Company: EQUIFAX, INC.
State: MI
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:
XXXX Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also 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 a late for and purpose. Please remove late payments and update asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Southwest Credit Systems ( SWC ) who was trying to collect a debt purportedly owed to XXXX XXXX. In its notice, SWC referenced account # XXXX. This is not my account. I called XXXX, and it does not have any record of this account and no outstanding balance associated with my name. 

Please discontinue this collection attempt, including calls to my mobile phone, and do not furnish any negative information to the credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$52.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$1400.00} XXXX XXXX {$2700.00} USDEPTED XXXX {$4200.00} XXXX XXXX {$2700.00} USDEPED XXXX {$4200.00} XXXX  XXXX {$4200.00} XXXXDOFED XXXX {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation