BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 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 2023-09-23
Company: ID Analytics, 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:
My complaint centers on SageStream , LLC reported inaccurate and private information, which has adversely affected my consumer report. You are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. There actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 2023-12-02
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX  Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Equifax is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In Wells Fargo Enterprise Complaints Management Office, they don't produce the required Notice for Validation of Debts as required by section 1006.100 Record Retention. The required record that WELLS FARGO BANK, never produced. When I communicate with them, they just say the statute of limitations is past. Fraudulent concealment of the notice or any revalavent information stops the statute of limitations from starting.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 2023-02-22
Company: CITIBANK, N.A.
State: FL
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:
SEARS/CBNA has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and SEARS/CBNA " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in Mississippi. I had a Credit card with XXXX XXXX and it got closed because I could not pay and had gotten the balance over the {$300.00} credit limit to {$700.00}. They ended up turning the account over to Portfolio Recovery and a different person from Portfolio recovery calls and usually they won't listen when you tell them you can't talk, they will call multiple times a week and even on Sunday which in Mississippi is against the DNC laws. Also, they have wanted to take my SSI check and said they have taken SSI checks in the past to cover debts which is illegal for these types of debts, and have checked with my law firm on this. It is always a different number and they do not care if they break the law as long as they collect. Some of the agents are threatening and rude while others are polite. I have even told them to stop calling. They even call after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: WI
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
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 Balance : {$88.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$9800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit 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:
Bank of America - VISA A BoA customer used his VISA card to purchase online services from me. 
He subscribed to 6 Fast Feed Accounts ( valued at XXXX USD per account ). Customer therefore had 6 active subscriptions starting from XXXX XX/XX/2023 until XXXX XX/XX/2023. 

Customer then contacted his bank and filed a 10.4 complaint, saying that he didnt make these purchases himself. BoA filed a dispute using the XXXX XXXX with my merchant XXXX. This system is completely inadequate and as such, I was unable to provide " compelling evidence '' to BoA as this requires the upload of the chat transcript I had with the customer. 

I have such compelling evidence as customer, who identified himself previously in XXXX chat, provided his email address ( which he uses to make online payment for the last 5 years according to XXXX XXXX XXXX ). 

I called BOA and attempted to contact XXXX XXXX, the agent that is supposedly handling these 4 dispute-cases against my company to no avail. The number she left in the dispute section leads to BOA, however, they refuse to redirect my call to XXXX XXXX. I explained what had transpired to an agent, and she told me that the only way for me to update the case is through their online system, which I no longer can access as my section of evidence provisioning is closed. There is as such, no further way to reach BoA to provide compelling evidence and as such, I am standing to lose XXXX USD, simply because BoA 's inept evidence provisioning system or the inability for such a bank to provide direct dial through ways to get in contact with a human to explain and provide evidence. 

As such, BoA is an accessory to commit fraud because it is impossible to update these types of cases with sufficient evidence without the ability to upload and foremost UPDATE cases.

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 2023-09-22
Company: Affirm Holdings, Inc
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would not know what dates to put on here, I have filled out an identity theft package at one point, I have filed a police report, I have done all I can on my end. I called this place, not all my info matched, I did not know what the heck this place was, what the debt was for or what was purchased with it and they could not give me any information as I did not have the emails used for the purchase or the correct birthday that had been used therefore they would give me zero information. Then when applying for a home loan about a year ago this ended up affected that as this popped up on a credit report that was more visible and not visible on my XXXX XXXX credit report which was news to me!! SO since they would not give me any information I was never able to find out ANYTHING about this fraudulent debt and now have learned this is a lending company for online purchases, and these were not ANY purchases I made. I found out some had my address as a billing address some did not, some had different states, some had mine, it was clearly fraudulent according to XXXX which was one if not the only vendor that was financed, I could not retrieve all of the information but did as much work on this as I was able with out the companies assistance. I would like this resolved as this place will not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: MoneyLion Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received an email from XXXX on XX/XX/23 stating to look into my XXXX portfolio. I clicked on the link because I was wondering what was going on. I KNEW I didnt have a loan with them. After getting access to the account I saw some information was incorrect about myself and some was correct. I then tried deleting the account but was unable to and had to call a XXXX number. I have been on the phone twice with XXXX from XXXX today on reporting my account as fraudulent and both times have been put on hold then the call has dropped. Now, they wont even answer the phone. Its either a scam or the company as a whole is scamming people, but I dont appreciate my personal info floating around.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Please promptly remove all fraudulent items and transactions associated with my account. 

Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence. 

Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 2023-09-22
Company: Incomm Holdings Inc.
State: AZ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Received a Vanilla gift card {$50.00} as a gift. The card number is missing on the front of the card and the code on the back is scratched off the card. The card is useless since the card number is need for activation and balance update. Unfortunately, the customer service number is automated, so I am unable to speak to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: NAVY FEDERAL CREDIT UNION
State: IL
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 Few A Few Inquiries That I Dont Recognize And I Need Help Taking Them Off My Credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: OK
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:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Citibank in response to their reward offer for {$1000.00} for a new account. I used my XXXX account to fund the Citi account and deposited almost {$200000.00}. I tried to make a transfer of {$9900.00} back to my XXXX account and I was blocked out of my Citi account due to suspected fraudulent activity. It has now been almost 2 weeks that I have been unable to access my funds and yesterday their team told me that they would be taking 30-60 days to review my account before closing it. They said during this time I can have no access to my money. This is not okay because it is all of my money and I am in the middle of a remodel project.

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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/31, my debit card was stolen and two unauthorized transactions occurred from XXXX. The first transaction was for {$2.00}, and the second was for {$200.00}. As soon as I discovered the theft, I contacted my bank and took out a claim. They refused the claim, so I contacted them and started a second claim. This one was also refused.

Company response to consumer: Closed with monetary relief