BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I reported a series of unauthorized transactions of cash advances through XXXX for a total of {$1100.00} that occurred in XX/XX/2023. First, this transactions were notified as unauthorized when it happened and the credit Card company closed the credit card ending in XXXX and issued the current card ending in XXXX. However, the company did not do anything about the dispute for over a month. After waiting for several weeks after no action, I had to call the company again, and that was when they acknowledge receiving the complaint of unauthorized transactions but did not do anything. I felt so disappointed by their actions and lack of concern over such a significant matter. Eventually, the claim was filed and a temporary credit was issued while the investigation was carried out. I was not surprised when they came back late last month in XXXX stating that they took the side of the merchant, XXXX, that the goods and services purchased were received. This is a total contrast to the issues- first, no goods or services was purchased, and I never received anything. I have no contact or knowledge of those the transactions was made to, and it was not even a purchase but what appeared to be a cash advance transaction. I am disturbed thinking what type of investigation was carried out. Taking to the side of XXXX clearly confirms their disinterest to protect a consumer in the case of unauthorized transactions ( see attached the letter I got in the mail today ).

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 2019-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
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:
The below debt is a result of ID Theft and has been reported as such : 1. 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a moment to review the attached documents. I kindly request the credit bureau to launch an investigation into these accounts, as they are inaccurately marking me as late despite my prompt payments.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX I wrote to Transunion requesting this old address be removed from my credit report and to date it still remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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
Consumer complaint received 2020-03-10
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute this inaccurate late payment with comenity bank for months they are reporting that i have 1 missed payment in XX/XX/2019 and they still wont change the inaccurate reporting. My consumer report shows that i have a 30 day late payment when i have never been late on my comenity bank XXXX account i have called and spoke with multiple comenity bank employees who assured me that they would fix the error but they never did. I have a {$4000.00} limit with comunity bank which is paid down to a zero balance i have been nothing but patient and a good business partner with comenity bank and they still choose to report inaccurate information on my consumer report which is harming me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now

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 2022-03-17
Company: EQUIFAX, INC.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2022, I contacted American Express customer service about not receiving my {$10.00} " AMEX DINING CREDIT '' for the month of XXXX. I made a valid purchase on XX/XX/XXXX named " XXXX $ XXXX Mon, XX/XX/2022 '' with the following details " Which Wich Total : {$15.00} Ordered : XX/XX/2022 XXXX Order number : # XXXX Contact Restaurant : ( XXXX ) XXXX ''. This XXXX transaction used my XXXX {$10.00} dining credit instead of XXXX which resulted in me not receiving credit for the transaction made on XX/XX/XXXX. The initial customer support representative was very understanding and told me not to worry. They noted this on my account and the credit will be taken as the XXXX credit instead of XXXX as they will manually credit my account for the XXXX transaction once I've made it. 

After I made the XXXX transaction for the AMEX XXXXining Credit, I contacted customer support on XX/XX/XXXX to manually credit the transaction. This time the customer representative was not helpful and told me they couldn't. They thought I did not understand how it works. 

I will provide the timeline of the transactions below : XX/XX/2022 - XXXX order placed for {$7.00} XX/XX/2022 - American Express credits my account for {$7.00} of the {$10.00} XXXX credit XX/XX/2022 - XXXX  order placed for {$7.00} XX/XX/2022 - American Express credits my account for the remaining {$2.00} of the {$10.00} XXXX credit XX/XX/2022 - XXXX order placed for {$15.00} XX/XX/2022 - American Express credits my account for {$10.00} for what was supposed to be {$10.00} XXXX credit XX/XX/2022 - XXXX  order placed for {$11.00} No credit received for month of XXXX XX/XX/2022 - XXXX order placed for {$10.00} XX/XX/2022 - American Express credits my account for {$10.00} for the {$10.00} XXXX credit I have receipts and further proof if needed. I do not appreciate the hassle to be able to claim this credit when I was initially told it will be given to me by the first customer representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: IL
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 I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase is cold calling me trying to get me to refinance or to open a mortgage with them. I do not have a mortgage with them but I do have several credit cards. 

I had told them I never agreed to marketing calls. They tried to flip it and tell me they were calling me to " provide assistance ''. I told them how is " providing me with assistance '' if I don't own the product and this was a blatant sales call they were attempting to reframe as " customer assistance ''. 

There was nothing to assist me with. My preferences on their site state specifically I do not want this kind of engagement. 

I reminded the lady there is a {$500.00} fine for each of these kinds of calls and she quickly got off the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Report provided to employer without your written authorization

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX. 
This has been the worst bank I have ever had in my entire life. 
I recently made a change of address and updated some personal information in my account. DEBIT CARD NUMBER XXXX. 
The bank has blocked all my access and has blocked my money for no reason. 
Currently I am sick in bed all the time and to mobilize it must be via authorization from my doctor and in an ambulance. 
My granddaughter and my grandson are in charge of helping me with my financial affairs, for example if I need to withdraw money from the ATM or to make an online transaction. 
So, why is the bank asking me to go to a branch if I can't go? I have not reported fraudulent activity on my account, never have. 
All changes and transactions have been authorized by myself, however, Bank of America has been arbitrary in blocking my access without my consent and wanting to force me to go to a branch when my health condition does not allow it. 
Therefore I just want the bank to proceed with closing my checking account and reverse the last transaction or deposit made to my checking account. 

If this situation continues and they refuse to help me, then my relatives and I will start a lawsuit where the bank is responsible for causing me a serious health problem, even where I could die, because under no circumstances have I reported unauthorized activity on my personal account. 

It's a shame how people, instead of providing a service, what they do is judge and mistreat customers.

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 2022-12-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
According to the Federal law, I have a rights to an Fair and Accurate consumer credit report.You have failed to do so. Im demanding to know HOW DID YOU VALIDATE, VERIFY, this Debt by Federal law. Every month SOME companies are reporting newer accounts on my consumer report.

This is damaging to my FICO score continues artificially.

Show me physical contractual agreements with the reporting companies? 
According : FCRA. XXXX if not remove immediately. 

Violation of Section 807 15 USC 1692e Violation of Section 805 15 USC 1692C ( b ) Violation of Section 809 15 USC 1692g You have not provided me with Any Original signed contract agreements in PLACE with me and these Companies, nor any type of written permission to communicate with me. Yet they are Reporting on my credit report, which isa form of communication.I have also file a complaint with Federal Trade Commission about this reporting abuse to my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Elevate Recoveries, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ELEVATE RECOVERIES LLC Original Creditor : ELEVATE RECOVERIES OR XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX NO CONTACT NUMBER LISTED Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on ELEVATE RECOVERIES LLC Original Creditor : ELEVATE RECOVERIES OR XXXX XXXX XXXX  account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: AZ
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:
TO BOTH EQUIFAX AND XXXX I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH EQUIFAX AND XXXX SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both EQUIFAX AND XXXX XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - XXXX XXXX XXXX BANKRUPTCY - EQUIFAX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING EQUIFAX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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