BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
Company: BARCLAYS BANK DELAWARE
State: DC
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 most my job due to the pandemic. I called barclay and let them know immediately, I also told them i have a new job. Because of the small gap in employment ( had to wait for a security clearance ) and the next pay period, I was worried that my payment would be late. The representative told me she made a note of it and I would be penalized. 
I made my payments on time and when I went to pay this month the main page of the barclay site said I missed a payment. I checked my checking account used to pay bills and To my suprise the new job direct deposits were not when I was told they would be causing return of payment of XXXX. I spoke with a supervisor today named XXXX and he told me I was charged XXXX in fees and reported 60 days late because the payments was returned just before the XXXX when the card kicks into the new cycle date credit limit. The rep told me shed notate my account and I wouldnt be penalized for a late payment because I lost the first job due to the company sizing down from the pandemic. Please help Im afraid Ill lose my security clearance for the new job due to the negative credit ratings my new job is more than enough to crash things up and Im trying to catch up from when there was a break in employment. I plan to be able to make large payments in the next three weeks Ive never been late and this is truly hurting 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
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: NM
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.

The letters are stated with items and issues.

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 2019-01-10
Company: Comerica
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My problem is with XXXX XXXX handling my XXXX income direct deposits. Ive had the account for 3 years and havent had to report any errors. In XXXX my card was used with out my concent spending aprox {$440.00} dollars by the XXXX of the month. I made contact with XXXX XXXX to dispute the transactions. XXXX XXXX made 2 suggestions to complete the dispute request 1 via postal mail after signing their documents & the other my own document explaining my reasons in detail to my knowledge of the occurance. I have called multiple times and am advised that my faxed documents sent 2 times via fax have not been located or received. 1 by mail that also has not been located or recieved. Here its XX/XX/2019 and the disputes have been closed and not satisfied. This is odd being there was never additional attempts to contact me or allow other options to be sure my money is returned. The reps just seem to quick to not wan na rectafy the disputes in my favor. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Everyday Equlifax tries charge me XXXX, in XX/XX/2023 they had refund me for services I never had. I even changed credit card number my XXXX  and Equlifax still process it without ever having my new credit card number. I have email from no-reply.email.equifax.com shown payment process couldn't happen and will try again next day. I have card account blocked, so if money in there Equifax can't get it. If this fails I'm prepared file massive lawsuit with lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This account opened XX/XX/XXXX and closed XX/XX/XXXX ending balance of {$6900.00}. Amex put a lien on my home and refuses to discuss this with my attorney. We have been sent to three different law firms who were " handling '' this and have yet to speak to anyone that can rectify it. 

My attorney XXXX XXXX and his staff have been reaching out the AMEX attorney listed as handling this several times over the past three weeks. No response. This has caused the sale of my home to cancel and I've lost {$120000.00} in equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Today XXXX/XXXX/2019 I set up an international transfer I wanted to transfer {$14000.00} BUT the max was only {$1000.00} without XXXX The transfer fee for the {$1000.00} was {$35.00} ( 3.5 % ) If I have to do 14 of these transfers it will cost me {$490.00}!!! 

BUT I can't use the mobile phone APP to increase the {$1000.00} limit because the XXXX   wont accept my XXXX mobile number XXXX How can I solve this???

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 2023-02-22
Company: CarMax, Inc.
State: CA
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:
On XX/XX/XXXX I was alerted to a hard inquiry on my credit report from Carmax. I've never had any transactional relationship with them nor have I authorized anyone to do so on my behalf. 

I immediately alerted the company and the credit bureaus to this error and was told it would be corrected. At that time, I asked if any account was actually opened in my name and was told there was none. 

On XX/XX/XXXX, I was subsequently alerted that someone had taken out a $ XXXX loan in my name and purchased a vehicle through Carmax. Apparently this had occurred within XXXX hours of the XXXX hard inquiry. I once again alerted the credit bureaus and Carmax and filed a police report. 

Carmax was not remotely helpful or sympathetic and told me they would conduct an investigation. In the interim, the license plate and registration for the vehicle which I never purchased came to my home. This is clearly a case of title fraud. The perpetrator also attempted to take out an insurance policy in my name through XXXX XXXX and I alerted the California Insurance Commission to this as well. 

I alerted the California XXXX to this fraud and placed credit freezes on my credit files and took numerous other steps to ensure that my information was no longer being used fraudulently. 

Today ( XX/XX/XXXX ) I received word from XXXX that they had concluded their investigation and that Carmax maintained that I was in fact liable for the loan. 

That is insane and completely unacceptable. I'm the victim of identity fraud that this company is complicit in. 

If they do not remedy this matter and remove this fraudulent charge from my credit reports and release me of any liability I will file a lawsuit against them, XXXX and anyone else who is attempting to find me liable for a purchase I never made. 

Please advise how I can resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a validation letter to professional finance on XX/XX/XXXX, requesting Validation of Debt and HIPAA authorization. On XX/XX/XXXX, I received a response, a printout of a statement from University XXXX XXXX, and a letter from Prof finance refusing to provide proof to validate the debt. Which is a violation of The Health Insurance Portability and Accountability Act of XXXX ( HIPAA ) Privacy and Security Rules. 

Not only did they refuse to provide proper documents, they violated Fair Debt Collection Practices Act XXXX ( 1 ). '' They provided me with a statement from the provider which is a total of {$730.00}, and trying to collect {$1300.00}. Again refusing to provide any documentation of where this extra {$570.00}. is coming from. 

I sent a cease and desist and requested removal from my credit report and have never heard back from them. This is now 6 months without it being removed or a response from them.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE AND HAVE FAILED TO PROVE HOW ITEMS WHERE VERIFIED.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-01-26
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 08XXXX 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 2020-03-05
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-09
Company: ALLY FINANCIAL INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an online savings account with Ally Bank. 
On XX/XX/XXXX, there was an unautorized transfer of {$2300.00} from my Ally savings account into an account with XXXX. The XXXX account was created in my name without my knowing. 
I disputed the transaction with Ally Bank, notifiying them I did not authorize the transaction, nor do I have any association with XXXX. Ally Bank denied my dispute, but have not given me a specific reason why, other than saying I'm affiliated with the XXXX account. 
I have called Ally several times, reiterating whoever opened the XXXX account used my name, but it wasn't me. The money was stolen. I have gotten no where with them. 
I can not get ahold of anyone at XXXX. I have spoken with someone on the phone one time, but they needed more info, and were unable to help me. I have very little info ( because it's not my account ), so I continue to hit deadends. 
I have filed a police report with my local XXXX Police Department.

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 2023-08-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have no credit or theyre not showing anything for my name. Ive sent Equafax and XXXX copies of my SS card Drivers License and my Medicare ID card.

They got it and scanned it on their machines. At that point they said it was blury. It was very plain on the paper. So they wont put me in the credit bureau. Im trying to buy a house. 
My grandma put me on her XXXX account so I could get credit established. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This online only bank violated my rights- in XX/XX/XXXX I submitted a dispute showing proof that the vendor in question wouldnt reply to me, and the purchase was sent back to the original company - I have sent and requested multiple times over the last two months to be notified of an update, and was never provided an update. They also state they have a working phone number but they do not - you can never get a hold of anyone and they still say its due to Covid 19. 

Last week on XX/XX/XXXX I was notified via email my dispute was updated and they refused or denied my dispute. I chatted in and asked for a copy of their investigation - the woman who chatted with me, XXXX, advised they would email me. 

I requested to have a copy sent to me, and instead today, XX/XX/XXXX received an email from someone named XXXX advising the vendor showed proof the delivery was completed and it was compelling proof, however did not provide me with any copy of investigation. 

Additionally - I do not believe this to be true, because the tracking information I provided showed it was delivered BACK to the ORIGINAL VENDORS ADDRESS. 

This is {$54.00} but thats a weeks worth of food. They also pulled {$100.00} out of my account and refuse to fix it even though on the statement itself it shows they incorrectly didnt add in one deposit.

I want the {$150.00} put back into my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX 2016 all of my inquiries were removed from my credit report. Logged back in today all inquiries are now back on the report and my score went down.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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