BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
When I noticed all of the fraudulent charges from XXXX that were posted to my checking account between XX/XX/XXXX and XX/XX/XXXX, I contacted Bank of America to report the fraud and to get a new debit card issued for my account. The person I spoke with noted the large number of XXXX  charges on the account and turned this claim over to the fraud department. The charges totaled {$5400.00}. 
Less than a month later I got a message from the fraud department that they could not pay the claim. They said their research included my account history, monthly account statements, and information from the merchant. The message stated that they made their decision based on the fact " the charge was authorized by me or made by someone who has permission to use the card or account. '' There were XXXX XXXX  charges on the account. I do not have a XXXX  account and no one besides myself is on my checking account or has permission to use my debit card or account. XXXX does not deliver to my address. Furthermore, most of these charges are from places I've never even been. Looking at the history of my account should show clearly that these are not regular places that I frequent to eat or to shop. As I said before, there are no restaurants or stores that deliver to my address through XXXX  or otherwise. Also, for the few places that I have been, the charges from these places show up on my account as " debit card '' charges and not " virtual card '' charges because I don't have XXXX. All of the fraudulent charges show up as a " virtual card '' charge. I haven't been to XXXX XXXX since high school ( over 30 years ago ) and it's probably been about 6 years since I went to XXXX XXXX 's. 
I have a very busy work schedule and mainly go to work and back home each day. I can show from my work schedule that a lot of the days that these fraudulent charges were made I was at work. I certainly don't have time to consider ordering anything through XXXX  while at work. 
The same thing happened with my Bank of America Visa credit card which I ended up having to cancel because the fraud kept happening. Again, these were all XXXX charges. However, when I turned these charges over to the fraud department of Bank of America it was determined to be fraud and I was credited for all the charges. It also took a lot longer for them to review my claim. 
Again, I did not make any of the charges that I have claimed to be fraud. It's very obvious when looking at my statements that these " virtual charges ' from XXXX  suddenly appear in the time frame stated above. I do not use XXXX. 
I'm happy to supply anything helpful or needed by the bank in reopening this claim. These charges are fraudulent.

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 2023-07-24
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:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NC, XXXX XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I tried to withdraw {$500.00} from an Atm and the atm did not disburse the money but withdrew it from my balance. Bank of america said its going to take 90 days to investigate. This was their ATM issue they have cameras.

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 2023-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/ XXXX XXXX I was at the spa in XXXX XXXX XXXX. Some one broke into my locker and stole my wallet, credit cards, driver license, and cellphone. They made several unauthorized purchases with my Chase Unlimited Business Credit card. The total amount was around {$6800.00} from 3-4 locations. I reported it all to Chase fraud department, and they request my to submit a police report. I comply and got my police report and email it to them on XX/XX/. Chase removed the charges on my account for 2 week then they put it back on my account. I called them again and they told me that I need to get a resolution letter from the police. I contact the police department and they told me they can not provide a resolution letter because the case is on-going. The XXXX XXXXXXXX XXXX  detective told me that the police report is the only document they can provided for me. I contact Chase and told them that, they said they said that they still required that. I told them that the police department will not provide it. They said if I can't provide that they will put me on collection. I've trying to contact another detective to request the resolution letter but they haven't return my calls. Now the account has been in collection for the past 6 months and it's ruining my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: AL
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 some of the information on my credit report was 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 correct : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX  XXXX Balance : {$34000.00}

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 2023-10-06
Company: Cascade CISS Holdings, LLC
State: AZ
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:
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
Experian is violating federal law because they have not received my written instruction to furnish anything to my credit report, however they are continuing to report inaccurate and unverified data. I also ask Experian to provide me with my written instruction to furnish these items and they did 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 2023-07-24
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:
XX/XX/2023 it's been more than 43 days since i wrote and they haven't responded to me, according to the law section 611A. they must remove everything that can not be verified from my credit and i was avictim of the XXXX data breach

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/23 I spoke with a XXXX XXXX Supervisor in the Loan department regarding how my checking line of credit was being report to Transunion, XXXX, and XXXX credit agencies. The XXXX said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called XXXX and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from XXXX, my XXXX checking line of credit reports, and the checking line of credit statement ( XXXX of each month ) documents for proof.

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 2023-05-30
Company: Climb Credit Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These people threatened to put this on my credit when I told them that it was not me that opened it. They put it on my credit as late payments as well as into collections. This brought my score XXXX  points down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Upgrade, Inc.
State: NC
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:
My account payment status for the months of XXXX, XXXX, XXXX and XXXX of XXXX and for the month of XX/XX/XXXX have been reported as being 30 days late. I initiated an investigation into this matter by contacting the companies customer advocacy department weekly, if not more often, every week since XXXX of XXXX. I provided proof of payments by providing my bank statements per their request. On NUMEROUS calls with them, including different representatives, they confirm that they agree with me and it has been clearly noted in their system. They also told me that on XX/XX/XXXX they submitted a request to XXXX, to correct the information. However after 60 days had past, I contacted XXXX only to find out no records exist of a correction request from the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-03-06
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: Reporting company used your report improperly

Complaint:
On my credit profile for my student loan it states that I was 90 days late but there's no 30 day or 60 day reporting on my payment history for XX/XX/XXXX and XX/XX/XXXX. This is inaccurate information and improper use of 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 2023-07-24
Company: Experian Information Solutions 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2023-07-25
Company: EQUIFAX, INC.
State: TN
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 NO acknowledgement OF THIS ACCOUNT XXXX XXXX XXXX. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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:
I AM REPEATEDLY FINDING MYSELF FIGHTING TO REGAIN MY PERSONAL IDENTITY ... ..The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. ACCOUNTS THAT DO BELONG TO ME THEY WON'T REPORT AND THEY KEEP LISTING THESE FRAUDULENT ACCOUNTS THAT WERE PREVIOUSLY REMOVED SOME HOW THEY MAGICALLY FIND THERE WAY BACK ON TO MY REPORT : US DEPT OF EDXXXX ACCT # XXXX {$16000.00} ACCT # XXXX {$5100.00} ACCT # XXXX {$3300.00} I HAVE NOT TAKEN ANY SECONDARY EDUCATION AND HAVE NEVER APPLIED FOR ANY STUDENT LOANS AND ALL OF THESE STUDENT LOANS WERE PREVIOUSLY REMOVED AND DELETED. NOBODY HAS CONTACTED ME IN REGARDS TO THIS MATTER FROM AND EDUCATION COMPANY!!!! HOW IN THE XXXX DOES THIS CONTINUE TO HAPPEN!!! I AM JUST TRYING TO PUT MY LIFE BACK TOGETHER!! REMOVE AND DELETE THESE IMMEDIATELY!!!!

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 2023-05-30
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/23 I spoke with a XXXXXXXX XXXX Supervisor in the Loan department regarding how my checking line of credit was being report to XXXX, XXXX, and Experian credit agencies. The Supervisor said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called XXXX and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from XXXX, my XXXX checking line of credit reports, and the checking line of credit statement ( XXXX of each month ) documents for proof.

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 2023-05-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/23 I spoke with a XXXX Federal Supervisor in the Loan department regarding how my checking line of credit was being report to XXXX, Equifax, and XXXX credit agencies. The Supervisor said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called XXXX and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from XXXX, my Equifax checking line of credit reports, and the checking line of credit statement ( XXXX of each month ) documents for proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.

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 2020-06-12
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On two separate occasions, TIAA bank has taken extra payments which they were specifically instructed to apply to principal, and instead applied them as ordinary payments ( mostly going to interest ). 

First occasion was a payment of {$20000.00} on XX/XX/XXXX Second occasion was a payment of {$10000.00} on XX/XX/XXXX Each time, they were contacted by phone either prior to the transaction, or the day of the transaction to clearly indicate the disposition of the payments. 

I believe they are knowingly cheating consumers and engaging in deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted 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 2019-06-26
Company: EQUIFAX, INC.
State: OH
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:
Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BANKRUPTCY

Company response to consumer: Closed with explanation