BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
In XX/XX/XXXX I was alerted by text message of a an unauthorized purchase on my credit card for {$3900.00}. I immediately called in the fraud to the bank as it was occurring. To my utter shock and surprise, I received a letter dated XX/XX/XXXX from the bank citing a merchant claims I received good and services. This is completely false, never made the purchase, never heard of the merchant, never received goods, products or services. 

On XX/XX/XXXX I visited the local bank branch in person. I met with a representative. He called the fraud dept and together we spoke with their fraud rep. They indicated there reopening the case. I outlined all of the investigation they ought to be doing to make this right. They admitted they did not do a complete investigation citing lack of resources to investigate every situation. 

I left that office on same day had local sheriffs dept at my home. I filed a report, they had actually body cam etc. I provided all of the documents to the sheriff. Then, I provided by email the police report #, to the local bank branch. 

On XX/XX/XXXX I received a letter from bank citing the same erroneous decision. Note : their letter was dated only 5 days after I visited the local branch. So, no addl investigation was ever done.

Company response to consumer: In progress
Consumer complaint received 2022-02-11
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 without 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Block, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Approximately {$95000.00} was embezzled/ stolen out of our three corporate bank accounts and Cash App is refusing to assist despite sending documentation and certified letter. Despite numerous calls, they simply tell us it's not their problem, and at one point, even hung up on me while I was asking for a resolution. 

Original XXXX Revised XXXX  forged checks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Personal XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2500.00} {$5400.00} XXXXBusiness XXXX XXXX {$7300.00} XXXX {$4700.00} XXXX {$4500.00} XXXX {$4500.00} XXXX {$430.00} XXXX {$430.00} XXXX {$6900.00} XXXX {$230.00} XXXX {$700.00} XXXX {$1800.00} {$31000.00} XXXX # XXXX XXXX {$3500.00} XXXX {$6400.00} XXXX {$560.00} XXXX {$9800.00} {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX {$6800.00} XXXX {$6700.00} XXXX {$2700.00} XXXX {$740.00} XXXX {$6600.00} XXXX {$11000.00} {$39000.00} Attaching a copy of the spreadsheet, admittance of guilt texts and XXXX XXXX XXXX 's report. Also attached a copy of the certified letter we sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: WA
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:
To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing late payments and a credit are transactions and experiences which is a violation of federal law. Update the payment history for : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 to reflect pays as agreed or paid in full and a balance on the following account immediately : XXXX XXXX XXXX Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Citibank credit card customer since XXXX. I have always paid my bills on time, and just recently in XX/XX/XXXX paid off my balance and at this moment have an {$180.00} credit on my account. I know I used it in XXXX XXXX XXXX. Yesterday, I gave my daughter, who is an verified user ( her name on the card ) her Citibank card. She is on her way to XXXX XXXX, XXXX and needed to use this card for travel expenses. However, the card would not work today at the airport in XXXX. We live in Oklahoma. I attempted to log into my Citi account and was blocked by supposed safety issues on both XXXX and XXXX. Was not able to access any of my info. Then called Citi to learn by the automated system that my account was closed due to inactivity. After waiting over 20min to speak with a to a CSR , he would not tell me anything, he said he could not discuss my card with me and I should received a letter in the mail in 7-10 business days. He would not say when the letter was mailed or when my account was closed. I never received a notice stating my account would be closed. I have no access to my statements or accounts at all. He would not tell me anything, yet the automated system would. He just kept repeating that I would have to wait 7-10 days and call the number on the letter, which will probably be an offer to apply for another card. NO THANK YOU!!!! NEVER! 

This has put my daughter in a very difficult potentially dangerous situation to be traveling without access to a credit card. 

I will make my situation well known. 

I appreciate any assistance.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: WI
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. 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, other than records of convictions or 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 in accurate.

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 2023-11-06
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Our survelliance records show they sent a collector to the house after the legal hours. 

they sent someone over after XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: FL
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:
The inquiries listed on my credit report do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Error in my Payment History - One Late payment Mark - XXXX : ( Account Number : XXXX - XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to you in order to ask you to help me with my problem in my payment schedule. I have never been late in my payments for the car. Recently there was accrued probably error in the bank or poor autopayment policy that resulted in the late payment. I do not know for what month but the late payment mark appeared in XX/XX/XXXX in my credit report. If you download my payment schedule you could see that I have been paying always on time. I am very reliable and accurate person and my credit history is very important for me. 
Please I am kindly asking you to consider the option to remove negative late payment from my credit report. Unfortunately, my score was decreased for 30 points and it killed my plans about the mortgage for my family. Its very important because I have a big family and I will appreciate your kindness. I wrote few times to XXXX XXXX XXXX but I have not received any answer or help so far. I hope based on my brilliant background with payments you are willing to cooperate with me on erasing this XXXX late mark from my credit report. 
Please remove this one late payment remark from my schedule in credit reporting system. 

Thank you so much in advance for considering my request. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is displaying accounts that is a result of alleged identity theft. I did not agree to, or benefit from the transactions. As required by law, I sent Experian written correspondence, including my proof of identity, an identity theft report, identification of such information, and a statement. They are required to delete and block the accounts within 4 days of receiving my notice.

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 2022-02-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: PA
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 had an account with XXXX XXXX XXXX XXXX to which I underwent a " short '' period of no income. I'd owed the bank {$750.00} to which I paid in full XX/XX/2020. They had charged it off in XX/XX/2020. After paying they'd indicated that everything is fine and I would not have a problem with opening up another account. I tried with them, they refused. I tried with other banks and was turned down. I was told that XXXX had not requested the balance to be removed from XXXX. I have writtent to XXXX and XXXX letting them know this is causing me harm as I am being held " hostage '' over a debt already paid in full. They, XXXX as even provided me with a letter indicating the account has been paid in full. Then why haven't they removed it completely. In my earlier years when owed a debt to a bank, once it was paid, it was then removed from XXXX. XXXX told me that the bank has to request it to be removed. I need to open another bank account and can not do so with this remaining on my credit report. Why is that people make it so hard for other people, who may not be an excellent steward of finances, try to get things right again? Thank you for your assistance.

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 2023-05-11
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Torrid Credit card was paid in full. However, they received my payment late and charged me {$1.00}. Then they did not contact me and continued to charge me interest and fees on the {$1.00} from XX/XX/XXXX until XX/XX/XXXX. I called and resolved the matter. They have removed the fees and my balance is back to XXXX. This was a mistake on their end. My XXXX score has been severely damaged because of their mistake. I have many hard inquiries and my score has dropped significantly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
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: Investigation took more than 30 days

Complaint:
It has taken well over 30 days for credit reporting agencies " XXXX XXXX, Equifax '' to remedy this issue! They have failed to respond I sent out my disputes on XXXX XXXX. I stated that I am disputing the amount of {$21000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: EQUIFAX, 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 a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX attached thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent my 2nd letters off to TransUnion, XXXX, XXXX on Monday XXXX XX/XX/2022. Here is my tracking number XXXX # XXXX, Transunion # XXXX, XXXX # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information. 

Attached is the letters I sent out in " Good Faith ''. 
Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 names XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. THE XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME

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