BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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. 
XXXX XXXX XXXX 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 vears.

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 explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-04-21
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
At the end of XX/XX/2019, I received an offer for a Gold American Express Delta miles, offering me XXXX miles if I opened an American Express Card and spent {$2000.00} within the first 3 months. I was surprised as I had received this same offer at least a year earlier, was awarded the XXXX miles and then closed the account. 

I called American Express and spoke verbally to a customer service representative and asked her to confirm ( at least twice ) that I was eligible for this offer. She actually put me on hold to check. I clearly stated that I did not want to open a new account, obtain a new card, if I was NOT eligible for this offer, for the XXXX miles. When I received the new card in the mail, I began the process of adding this card to my online profile/account and decided at that time to confirm the award of XXXX miles. 

I called American Express three times beginning on XX/XX/XXXX and all three reps said I had not been eligible for the offer. I asked them to honor the offer as it had been confirmed to me by the rep. All three times, they said the would listen to the recording when I opened the account/card - and someone would get back to me. I know there is a recording out there of the rep confirming I was eligible for the XXXX miles. No one ever replied to me and I am angry that I opened this account, which has affected my credit record - and was completely misled - and lied to by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
" Bank of America closed my claim for {$200.00}, it was opened on XX/XX/2023. I had a debit card and someone took the money from my debit card. They opened the claim and then closed it on the same day. They did not send resolution letter. "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have inaccurate information on my credit report that does not belong to me. I want the accounts removed from my credit report. 



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 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 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

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 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
it is for bank of america and XXXX XXXX XXXX XXXX  sold my information 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
There was attempt to use Capital one credit card ending XXXX in early XX/XX/XXXX, which was alerted by XXXX XXXX fraud to be shipped to secondary address. My primary address was not used but as a front. XXXX {$520.00}, XXXX {$440.00} ; XX/XX/XXXX {$95.00}, XXXX {$140.00} total XXXX After several calls, Capital one blocked the card not deactivated the card XXXX. Fraud stated, '' we sent new card out. '' XX/XX/XXXX via US mail : received new card and the new card was the same card again.I told Capital one to deactivate the card, why is the card blocked not deactivated? Why is the same card XXXX being sent out again? I am so stressed out over incompetence. 

On XX/XX/XXXX, called Capital one and told them about the same card XXXX sent to me in the mail. The agents in the background was laughing and yelling, I told the agent that I could hear them and not the agent. The agent said " they are celebrating. '' I could not take anymore this morning and disconnected the call. Later that day, begged and was very stern and demanded a supervisor which eventually spoke with. XXXX supervisor said " we sent out a different card number to you already with a different card number and looking at a different number. '' I said " No, why am I looking at new old card ending in XXXX. '' Pleaded and yelled in my shame " I do not want the card, regardless, please, audit the credit from the charges that are fraud, please. '' Why is my payment still XXXX dollars and XXXX dollars credit back due to fraud? '' My first call originally, about fraud to Capital one card ending XXXX. The agent could not get information about fraud nor transfer me to fraud. Capital one call center is not from the US, which concerns me terribly. Spend my precious time being insulted and waiting on a process that is at a slug 's pace. Do you really want to call a credit card company that is outsourced to foreign countries " online your account instead of talking to unknown entities. 

They sure do not make it easy on members of the XXXX. 

Wished I could say it is a pleasure. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. With your help, I need these accounts to be verified and fixed immediately. My credit report includes the following misleading accounts that needs to be investigated and corrected XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: ERC
State: LA
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:
enhanced recovery is reporting a wrong date. They reaged the original account. 
They do not own the debt. 
They are reporting late payments. 
No payment arrangements were ever made. 
No letter of noticed. They only reported on report before notifying me by mail before hand. 
I've never given them permission to access my personal information. They are not in any rights to obtain my information. I want the report removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received a letter in the mail from my Barclay AA Aviator card that said its required to collect more information about my identity. The letter asked me to send a utility bill statement, a copy of my social security card front and bank and a copy of a government id, also front and back. If I were not to comply with this request they will place my account on hold. 

The letter instructs me to send this information via mail or fax. I reached out to Barclays to better understand this request and they stated that I need to comply due to the Patriot act that requires I confirm my identity. I explained that I have major concerns with sending my personal information via mail of fax as this poses a risk that my information can be intercepted and open me up for identity theft. 

In my opinion the proper way to request this information is for Barclays to provide me with a secure link either via their app, or web portal that allows for my information to be sent encrypted and ensures all consumers information is protected. 

Customer Service stated that there is nothing they can do that I either comply or loss access to my card. 

I have had this card for almost a year and have spent close to $ XXXX and currently do not have a balance. Its unreasonable in 2023 to ask a consumer to send their personal information with a secure mechanism in place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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:
I've tried several attempts with Experian and XXXX  concerning 3 accounts. I started XX/XX/2019 with both bureaus. I ran my credit repair and was under the impression I have accounts that are not mine and are unverified. I've attempted to contact both the creditors and the bureaus to receive the original documentation from these accounts. XXXX  was able to provide me with all the original documentation for all three accounts. Under the FRCA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Both companies have failed to provide me any further more information. I would like to know why does XXXX  report state that accounts were deleted. I received my final letter from XXXX  on XX/XX/19 and Experian on XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention an issue regarding incorrect information on my credit report, which I reported to TransUnion on XX/XX/XXXX. As of this date, I have not received any response or resolution from TransUnion. I would like to provide the following details about the inaccurate information and request the necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Not mine ; please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Status : Not mine ; please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
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:
I also checked my Equifax credit report and I still see the Bankruptcy that I have filed a complaint before and it is still on my credit report. This XXXX XXXX bankruptcy is said to be erroneous. The Equifax and the company failed to provide proof and I never received any proof of the investigation was conducted, which I have been requesting for several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credt Reporting act XXXX  Accgunt # XXXX, has violated 15 US C 1681 sect on 602 A. States I have 1S US C 1691 XXXX XXXX XXXX XXXX XXXX  I AlSO StateS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A creditor XXXX not treat a payment on a credit card account under an open and consumer plan as late reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: BMW Financial Services NA, LLC
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: Account information incorrect

Complaint:
Bmw financial reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all XXXX bureaus and during dispute process with XXXX Bmw financial then corrected the info by sending response that the XX/XX/2022 payment was not late so 30 days late status was deleted. I then contacted Bmw financial again due to it was corrected on XXXX but not on XXXX XXXX XXXX. 
They proceeded with another investigation and still did not change the XXXX & XXXX status but proceeded to go back to my XXXX report & reported another 30days late status for the same date of XX/XX/2022 that they had previously investigated & corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer. 

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


Sincerely, 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 2023-10-25
Company: Experian Information Solutions Inc.
State: LA
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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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