BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-12-23
Company: M&T BANK CORPORATION
State: MD
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:
Complaint narrative : RE : Complaint regarding Regulation E violation by M & T Bank Dear Sir or Madam : This is a complaint against M & T Bank for violating Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 1005.11, by not conducting an investigation and/or by not providing a written explanation of why my claim of unauthorized transaction under Regulation E was denied. 

On XXXX I notified M & T Bank that my Debit card was used for an unauthorized transaction in the amount of {$990.00} on XXXX with a merchant XXXX. I did not authorize any transactions with the merchant XXXX on or after this date, and I did not authorize anyone else to use my Debit card with that merchant. 

On XXXX I found out that M & T Bank denied my Regulation E dispute without providing a responsible written explanation. 

I kindly request that you investigate M & T Bank 's violation of Regulation E, and compel M & T Bank to restore the funds which have been withdrawn from my account as a result of the above mentioned unauthorized transaction. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

Sincerely, 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 monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-18
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2022-06-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX to apply for financing on an auto loan. I asked them to only run my name through XXXX XXXX. Instead of running my name through XXXX XXXX, they ran my name through numerous institutions instead of XXXX XXXX without my permission. 

The following Institutions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX of XXXX I used a convenience check offering a 0 % interest rate for 18 month XXXX as I did with several other checks that year XXXX from Capital One credit card. In XXXX of XXXX a finance charge of {$130.00} was added to my account. I had recorded that the terms would not be changing until the end of XX/XX/XXXX. I called and disputed the charges in XXXX. From XXXX to XXXX I spent many days calling to resolve the charges. In XXXX I paid the entire amount owed on the account including some of the finance charges I was disputing ... XXXX {$10000.00} XXXX. In XXXX I was charged {$56.00} and XXXX {$7.00}. I wrote a letter to Capitol One in XXXX explaining that I should have never had ANY finance charges and I would like for them to research it and credit it back. I even paid over {$100.00} in wrongfully charged fees and would like the other fees removed. I received a letter back stating that they submitted my request to the appropriate department on XX/XX/XXXX. Since then I continue to receive late fees and interest charges and there has been no resolution. It has been over two months without another letter or phone call. I tried calling today XXXX XX/XX/XXXX ). I spoke with several people that said they could do nothing. I have read that late fees and interest fees should stop while researching the original dispute ( which never has happened ). Now my balance is over {$200.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received the official XX/XX/XXXX denial letter of claim XXXX and the evidence provided by BofA is false. I have never transacted business with a XXXX XXXX nor did I authorize the transaction on XXXX Furthermore ; the IP address provided is not my IP Address. I have done my own research and the device info used to make these purchases DOES NOT belong to me ; it is not my devices serial number or IMEI number. I do not have an XXXX account and all other purchases from this account, on both my BofA credit card and XXXX by XXXX XXXX credit card, were determined fraudulent. I have documented proof of an email I sent in XXXX to built by bees making them aware of this fraudulent purchases. They responded on XXXX stating they would correct this fraudulent purchase and refund me. " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau last year issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. Please see attached for documents solidifying Bank XXXX XXXX falsehood and inconsistencies. I have attached my ACTUAL IP ADDRESS. Claims from credit cards, with BofA and XXXX by XXXX XXXX, stolen at the same time as my BofA debit card were all approved. However, they refuse to approve the debit card claims because they are stating that I approved the transactions, which is untrue and they are using false information as evidence.

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 2023-02-23
Company: EQUIFAX, INC.
State: NV
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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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 2021-06-18
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:
There are three accounts on my credit report they are not mine and they are hurting my credit I have not signed authorized or used any of these accounts.

XXXX XXXX XXXX XXXX XXXX XXXXunt XXXX Amt {$350.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Account XXXX Amt $ {$1600.00} Opened XX/XX/XXXX XXXX XXXX - Account XXXX Amt $ {$450.00} Opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX to apply for financing on an auto loan. I asked them to only run my name through XXXX XXXX. Instead of running my name through XXXX XXXX, they ran my name through numerous institutions instead of XXXX XXXX without my permission. 

The following Institutions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Yesterday, I received the emails from this Experian more than 10 of them. These issues needed to be clarified and explained. 

1. XXXX ( A ) had the button which said " Fraud Alert '' at the personal statement. Since I did not see any change on the statement regarding the questionable part " military, '' I clicked it. Therefore, the second email added 7 years extension alert. I was satisfied since I had sent the request of extension already to this Experian with the different address, where the emails indicated to send the necessary documents. However, on the third report, there was a button " Fraud Alert '' again, and the statement returned to the former statement. I pushed again this button ; however, the content of statement did not change at all. I require to explain all these issues. Why and who wrote the statement containing the word " military '' on XX/XX/XXXX of XXXX What is the button " Fraud Alert ''? And why the content of statement changes without consent of me, XXXX XXXX? 

2. XXXX ( B ), which appeared to my network after A, which I contacted first. This one stated my XXXX XXXX XXXXXXXX bank credit card, which I still use, was closed in XXXX of this year and created another section for a card with same number. However, the latter was opened XXXX, even though the original was opened XXXX. And kindly, B listed my payment history. This means not only this XXXX XXXX XXXX card, but all cards payment history, which I have not seen other credit report issued by other two, including office A. Also, this section has following addresses of offices, which I believe Credit Card offices, which dealt with issues. 
XXXX XXXX XXXXXXXX ( all credit cards ) : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX & XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX SD XXXX XXXX : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX Would you explain why this office B include these payment lists in the report, which others, including office A, do not include? 

3. Office B included the soft inquires, which the scanned documents tell, after the alert was issued officially. Above all, office B indicated there were many inquires in one day. Since I still receive the credit cards inquires online, office B might have the responsibility. If not, I request the official explanation. 

I attached the scanned documents.

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 2023-12-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent a letter to credit reporting agencies such as XXXX, XXXX XXXX, and Equifax to remove unauthorized inquiries from my credit report. They have never responded about my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CITIBANK, N.A.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It appears in XXXX  credit report to accounts from citi bank with late payments, this information is incorrect since I never pay late and I spoke to the bank and they said they don't have any negative information from me in there records. I also dispute this accounts with XXXX and they return it saying that everything is correct which is not.

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 2023-09-07
Company: EQUIFAX, INC.
State: GA
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 2023-07-18
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: 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 XXXXXXXX Account Number : XXXX 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 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
In XXXX of 2021, a merchant errouneously overcharaged me {$840.00} for a {$48.00} purchase. 

I noticed the overcharge and contacted the merchant for correction and informed the merchant I could not locate the receipt for the purchase. The merchant requested I return to the store for reversal of the charge. However, I noticed my account with the financial institution had restored the overcharge and I thought the matter was resolved. I did not return to the merchant for further assistance. 

In the pursuing months ( XXXX - XXXX, ) the financial institution required documentation from me for investigative purposes ( which I provided to substantiate my claim ) but the financial institution resolved the matter in favor of the merchant although the merchant never provided merchant/customer receipts proving the purchase amount of {$840.00}. The vendor only provided the XXXX XXXX receipt statements which are not evidence of the merchant 's receipt for my in-store purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief