BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: U.S. BANCORP
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:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/ treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Elan Financial such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Elan financial and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Elan Financial XXXX, XX/XX/XXXX Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 unauthorized inquiries that I did not consent to. Improper use of my credit. Fraudulent account appear or charges appear 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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX Miscellaneous XX/XX/2019 TransUnion XXXX XXXX Miscellaneous XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2022-02-25
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
A fraudulent inquiry from Wells Fargo Bank is showing on my XXXX Credit Report. The inquiry is dated XX/XX/2021 Wells Fargo have provided me with a letter they will remove the inquiry but XXXX have not deleted the inquiry from my credit file.I would like this inquiry removed asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21 an online transaction was made at XXXX for {$290.00}. On XX/XX/21 another online transaction was made at XXXX for {$290.00}. On XX/XX/21 a third online transaction was made at XXXX for {$290.00}. On XX/XX/21 a fourth online transaction was made at Nordstroms for {$320.00}. The first three transactions hit my account on XX/XX/21. The fourth hit my account on XX/XX/21. 
On XX/XX/21, I received a text alert notifying me of the transactions and I immediately contacted Bank of America to dispute the charges. ( XXXX ) The credit card was canceled and a new card was issued. Initially, the charges were reversed and I was told the claim would be investigated. 
On XX/XX/21, I returned from a trip and went online to check my balance. I noticed that on XX/XX/21, the fraudulent charges had been put back on the card. I immediately contacted Bank of America and was told they would reopen the investigation. 
On XX/XX/21, I received a letter dated XX/XX/21 telling me that they could not approve my fraud claim. The reason provided : " The merchant provided documentation confirming you received the merchandise or service. '' At XXXX on XX/XX/21, I called the number provided on the letter ( XXXX ) and had a XXXX XXXX conversation with a representative. He provided the following information : ( 1 ) The purchases were all watches. ( 2 ) They were sent to a XXXX XXXX in XXXX, NY. ( 3 ) The items were received on XX/XX/21. ( 4 ) The email address given for the online purchases was a hotmail address that I won't include in the complaint and is CLOSE to my husbands, but not XXXX he has used. 
( 5 ) The fraud claim # is XXXX XXXX On XX/XX/21, I received a letter dated XX/XX/21 advising me that " we completed a re-evaluation of your credit card dispute for {$1200.00} - unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed. '' " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' My husband and I are the ONLY authorized users of the card. We did NOT give anyone permission to use the card. We have NOT purchased anything at XXXX online or in person, for many years. We do NOT know anyone named XXXX XXXX. We do NOT know anyone living in XXXX, NY, and have never even visited the town. 
It seems clear to me that Bank of America is unwilling to do a proper investigation of the claim and I see no point in contacting them again.

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 2024-01-08
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against SWRecovery concerning a matter that has left me with no choice but to seek your intervention. My name is XXXX, and I recently discovered an unauthorized debt reported on my credit report by SWRecovery. 

Here are the key details of the case : Unauthorized Charge : SWRecovery has reported a debt on my credit report, claiming an account that I have never opened or had any association with. 

Communication Challenges : The contact number provided on their website is unresponsive, and despite leaving numerous voicemails, there has been no response. Additionally, emails sent to XXXX have gone unanswered, making it impossible to resolve the matter through direct communication. 

Unsuccessful Dispute Attempts : Despite my persistent efforts to dispute this charge since XXXX, all attempts have been met with failure. 

In light of these challenges, I have no choice but to escalate this matter to the Consumer Financial Protection Bureau and seek your assistance in resolving this dispute. I have attached relevant documentation, including communication records and proof of my attempts to resolve the issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX  and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Cap1/Neiman Mrcus XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS. 

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, 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:
I have notified all 3 bureaus that I am a victim of identity theft. In fact I have had an extended fraud alert on my credit for years and I am suppose to be contacted before lines of credit can be open. For the most part I am but for the following items and accounts I have not been. I let all 3 know that these are not my accounts or applications. It's been over 5 months since I did this and I have not received any update regarding the investigation or their findings. The items are still listed fraudulently on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: AZ
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : 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 2021-05-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Please note : I'm making 2 complaints, one against Chase and one against Marriott as they are partners in this issue and neither satisfied the rewards as described. I applied for a Chase Marriott XXXX  credit card XX/XX/XXXX ; I received communication in my XXXX - inbox XX/XX/XXXX stating they were reviewing the application and on XX/XX/XXXX stating the card had been approved. I initially applied for this credit card for the reward of an " {$250.00} Marriott e-gift card instantly, upon approval from Marriott '' ( see XX/XX/2021 letter from Chase ) and also for the " XXXX points after [ I ] spend a minimum of {$3000.00} ''. The offers have now changed and I can not find the original guarantee - however, in multiple contacts with Chase the offer was verified. I have not received the e-gift card. As of today, I have not received the points. I've sent multiple inquiries and have had multiple phone calls with both Marriott and Chase. In these communications I've explained that I have not received the 'e-gift card '. In each instance, neither company takes responsibility and both state that the other company is responsible for the issue. For both companies, they have stated both in writing and on the phone that the e-gift card should be provided by the other company. Please see the multiple letters and other documents provided. I'm hoping that this complaint will escalate the issue to higher level employees at Chase and Marriott that can help resolve this issue as I've requested that - I've requested communicating in telecons, I've contacted these companies and have no resolution. Please contact me with any questions/concerns. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: MI
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: Problem with personal statement of dispute

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: In progress
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, specifically section 602 ( a ) of 15 USC 1681, it is crucial for consumer reporting agencies like Equifax and XXXX to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information.

Under section 604 ( a ) ( 2 ) of 15 USC 1681, consumer reporting agencies such as Equifax, XXXX and XXXX are only permitted to furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer. I have not provided written consent to these agencies or the furnishers of information, and any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been informed of their right to choose not to disclose. However, the furnishers of information to credit agencies failed to inform me of this right.

Furthermore, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse information in a consumer report unless authorized by subsection ( b ). This adverse account, which is being reported without my consent, falls under the category of unauthorized information according to the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person should furnish inaccurate information to a consumer reporting agency if they are aware or have reasonable cause to believe it is inaccurate. Equifax and XXXX, therefore, are in violation of this provision. 

To maintain compliance with the law, every consumer reporting agency must establish reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports to the purposes outlined in section 1681b, as stated in 15 U.S. Code 1681e. Unfortunately, Equifax and XXXX have failed to uphold these reasonable procedures. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. This means I no longer wish to be included in your reporting activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I refinanced my home in XX/XX/2022. I decided to pay off my credit cards. Bank A is Barclays Bank. The title company mailed me a copy of my motorized loan docs along with a check made out to Bank A for the amount of XXXX. I mailed out the check along with a note to apply the check a

mount to my Ban k A Credit card account. After a week I went onto Bank A website and noticed that my account had not been credited. I called my loan officer. He called me back telling me that the check cleared - the title company has a copy of both the front and back of the check. He sent me copies of the check. He also gave me the date and time the check was received and processed. I called Bank A s customer service.After talking to numerous people I opened a CASE regarding this issue of loss of payment and applying the deposit to my my credit card account. I was told they will look into it and that I must pay the min each month until this case is resolved. Also I was told this will be resolved within 2 to 3 business cycles

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 2022-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX this is the same complaint but 7 days later. A woman named XXXX called from the JP Card services and left me a wrong number. When I tried to call back the number that she called me from, it hung up on me. Please get this Credit Card I have never had off my credit reports. This card does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: MA
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. 

XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX  : # XXXXXXXX XXXX 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 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 response to consumer: Closed with explanation