BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
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:
An account with XXXX XXXX was open in my name with an identification card that doesnt belong to me using my social security number ... Ive filed a dispute with Experian and they always come back and say it has been verified ... I contacted the company which told me they have responded and they arent reporting this trade line ... Experian is refusing to delete this account from my credit file ... which was open fraudulently ... I have submitted a police report to Experian and they continue to ignore me ... I need this fix.

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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with credit bureaus.

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 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been sending letters to the Bureaus for 90 days. They always tell me the same thing. Keep saying it is accurate. They do not show original documentation on the items on my credit file. The XXXX XXXX system says everything suppose to be 100 % accurate. Nothing on my credit file is correct. They have not been responding to my disputes in a timely manner. I'm uploading only a few errors that is on my credit file. That is just the start.

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 2023-04-24
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023 I contacted Capital One, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX to advise Capital One that a transaction between myself and XXXX was no longer authorized after XXXX failed to provide a valid way in which to contact them to cancel a 30 day free subscription whereby Capital One credit card was given to XXXX, ending XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX. 
The Capital One employee who I spoke with, only identified as employee XXXX assured me that no charges would be allowed by XXXX and that I had nothing to worry about. The Capital One statement for XX/XX/2023 was received [ by mail ] with charges by XXXX in the amounts of {$26.00} ; {$100.00} ; and {$92.00} were applied to the small balance of {$380.00}! 
Capital One took action and a dispute against XXXX and issued me " temporary '' credits pending a response by XXXX. They've since rescinded the credits to my account after assuring me that XXXX would not charge any amounts to the card. Not only is this a bad business practice but they allowed unauthorized charges against my card and should be held responsible for crediting the amounts themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I normally don't do this I'm very patient person however I have had it up to here with Bank of America I discovered my XXXX  benefits were being stolen and immediately canceled my card and filed a Bank of America claim. The rep was able to recognize transactions dating back to XX/XX/XXXX from my account, clearly while I was out of state and states I have never been to. They issued a replacement card which was also closed an could not be activated. I could not recieve my XXXX. 

I received a letter dated XX/XX/XXXX that I would be reimbursed the related fees. ( WHICH I HAVE NOT BEEN ... NOT EVEN THE TEMPORARY CREDIT THEY STATED WAS APPLIED ) The amount was {$430.00}. Also wondering will they reimburse the last pandemic payment of {$300.00} I was unable to recieve due to my account being frozen. 
For a total of XXXX. 

I have been calling regularly especially it was close to XXXX and my vehicle had been totaled. I needed my funds. And nothing just the run around an 10 day wait after 10 day wait. An conviently the government ran out. Meaning sorry even if it was fixed I couldn't get any money back because there wasn't any until the new bill passed. And they XXXX  me out of the additional {$300.00} that was allotted. 

Holidays past I keep calling. They said it's XXXX  fault ... call them. XXXX  says BOA fault ... I call them back an forth for weeks. I eventually three way call with XXXX  and BOA so we can stop the back and forth BOA hangs up on XXXX  2x after over 2hr hold. We continued to get bounced around for 4hrs. They transfer myself and the XXXX  rep after we requested not to be transfered an to speak to supervisor back to XXXX an hung up. 

XXXX  sent 3 identity verifications to support who I was for BOA to open my account XX/XX/XXXX. It took them until this week XX/XX/XXXX and my funds are still not available. I need my money. I spoke to rep and supervisor of BOA an there nothing they can do my claim was closed when the account closed. They have to put in a new request an they apologize temporary credit was not sent because claim closed. So once again I get NO date for my funds, I miss out on the additional {$300.00}, an they don't know when I will recieve my funds. But " oh please rest assured we are working on this very quickly we just can't say when ''. 
So now I'm public asking because I'm not the only one Bank of America when do our claim funds arrive???

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 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a call from Capitol One Credit Card Company at XXXX on XXXX XX/XX/2023 at XXXX XXXX  telling me there was an application submitted online for me. I did not make this inquiry nor did I fill out an application for a Capitol One credit card on the date specified. I notified the company this was a case of fraud and they annotated the application as such. I then called all three credit reporting agencies and had a credit freeze placed on my account. I continued my efforts by calling XXXX to dispute the hard hit on my credit report and was told to submit this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-09-15
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This company reduced my credit limit by more than 50 %. I want my {$5200.00} limit restored.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are sharing my personal information. 

15 U.S.C 1681 section 602 A. States i have the rigth 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 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-08
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:
in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-03-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
MIDLAND CREDIT MANAGEMENT did not have my DIRECT consent to communicate with me. In an attempt to collect an alleged debt MIDLAND CREDIT MANAGEMENT used the medium form of my consumer credit report to communicate an alleged debt to me. MIDLAND CREDIT MANAGEMENT 's actions also displayed this alleged debt information to others that had access to my consumer credit report. MIDLAND CREDIT MANAGEMENT disgraced and defamed my character as a consumer, by reporting this alleged debt on my consumer credit report. These actions are unfair and abusive practices, and are not in compliance with the law. MIDLAND CREDIT MANAGEMENT, has not provided any lawful proof that I signed any agreement/ contract with THE MIDLAND CREDIT MANAGEMENT that would make me liable for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
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 name : XXXX XXXX XXXX # XXXX, Account name : 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
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX XXXX  & XXXX has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and XXXX, EQUIFAX, XXXX has violated my privacy experian inquires/ ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRES/ ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXXT EQUIFAX INQUIRES / ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX i saw a XXXX  transferfor {$5000.00} from my Chase account that did not made by me i call the bank the same day to report a fraud .on XX/XX/XXXX they return the money but on XX/XX/XXXX they took it back.all this time i tried to recived my money back but Chase say no because its made by me.i am a victim and looking for help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or around XX/XX/XXXX I received an envelope from Cash App with a debit card in it. It was addressed to me at my home. I do not have a Cash App account so I believe someone opened an account in my name for fraudulent purposes. Over the next couple days I attempted to contact them via phone, only to find that it is literally impossible to reach anyone this way. 

Their website says to use their app to reach support, but I can not use their app without creating a Cash App profile. I am not creating a profile just to report that my identity has been stolen. 

The following weekend we received another Cash App debit card at our address ( this time without a real name ), which means at least two fraudulent accounts are linked to us. 

On or around XX/XX/XXXX I used the Square " contact us '' form to ask for help since Square is the parent company of Cash App. Square simply told me to use the Cash App phone app for support, even after I explained why I can't. Then they stopped responding to me. 

I saw that on their app review page, Cash App steers people to XXXX or XXXX for support. On XX/XX/XXXX I sent a XXXX DM to @ CashSupport asking for their help. I sent another later that morning, and another on the XXXX, XXXX and XXXX ( today ). They have not responded. 

It is EXTREMELY frustrating and stressful that I can not reach anyone there to report fraud. Whatever illicit activities these accounts are used for, Cash App has been willing to let that continue unabated. Meanwhile I am the one who will get blamed in the end, since the fraudsters used my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: NJ
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:
Hello- One month ago I learned that my credit score had plunged from XXXX to XXXX for no apparent reason. This is my score as reported by Equifax. I logged onto my Equifax account and noticed several errors. I then called Equifax and was told that I had to submit an inquiry in writing along with copies of my Driver 's License and SS Card. My complaint was mailed on XX/XX/2021 and I will attach it to this Step 3- please read my letter to Equifax . They responded to me in a mailing dated XX/XX/2021 and I have included the single relevant page of their response in which under the section entitled " The Results of Our Reinvestigation '' they wrote " The disputed item is not currently reporting on the Equifax credit file ''. I have absolutely no idea what this response means and it certainly does not respond in any meaningful way to my inquiry letter. I have included a copy of their response to this Step 3. The bottom line is that I believe my credit score was erroneously lowered and Equifax has not responded to my inquiry in which I asked them to explain why my credit score plunged. I would appreciate your helping me resolve this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I visited my local Citibank branch to inquire about the discontinuation of my XXXX recurring monthly transfer from Citi to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had always been able to see my scheduled transfers online and they no longer appeared. The branch representative could not explain where tranfers could be reviewed or why the transfer was stopped. She insisted the transfer was initiated by XXXX not Citi which I knew made no sense but I left and called XXXX who confirmed they did not and never could initiate such a transfer. On the XXXX, I called Citi technical support. The first representative said she knew there was an issue but did not explain it and the connection was so XXXX I had no idea what she was saying. After multiple requests for her to speak slowly and clearly we were disconnected. I called back and another representative explained that Citi recently switched to a new platform " XXXX '' and as a result all previously scheduled transfers were discontinued. Apparently this was explained in a letter posted online in XXXX but it was absolutely not clear to me that my funds transfer schedule would not only be disrupted but it would be permanently discontinued!! Further, I would no longer be able to establish a recurring transfer to XXXX because they do not have the XXXX platform. It is unacceptable to bury an unclear notification in a mobile app, not send a separate email and/or a physical letter, and not clearly communicate that the transfer would not occur the following month clearly enough for the customer to ensure necessary action was taken. It is more outrageous that the in branch rep did not know what the issue was and that it took multiple calls to find an actionable response. I spent half a day dealing with this. Citi did not properly inform its customers or staff or understand the implications of their platform change.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Me and my wife had a account checking and savings is was supposed to been the if you do ten transactions no extra charge we brought it up to them but they would always have some other excuse and they was very rude on a lot of occasions we would be charged double of a overdraft fee they was supposed at least once a month give are money back from a atm fee if we did not use one of theirs because where we live there is no wells Fargo bank we would have to drive 2 to 3 hours away they stopped doing the give the atm charges because of we would talk to someone who would tell us they couldn't do it but we new better.

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