BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, 6 fraudulent charges were made on my credit card without my consent in XXXX Texas. A charge for XXXX for {$47.00}, a charge for XXXX Auto parts for {$95.00}, a charge for XXXX Auto parts for {$25.00}, a charge for XXXX XXXX  for {$32.00}, a charge for circle k for {$4.00}, and a charge for XXXX  for {$8.00}. In between the circle k fraudulent charge and XXXX XXXX  charge is a XXXX XXXX charge which was made in XXXX XXXX Texas, which I legitimately used my card to make a purchase which is about XXXX miles away from XXXX Texas. A couple days after I had found the fraudulent charges I called USAA and they started the fraud investigation. A month later USA decided that I was liable for the fraudulent charges but I was in XXXX so I couldn't get back to them via phone so when I arrived back in the United States on XX/XX/XXXX I ask to reopen the fraudulent case. On XX/XX/XXXX, XXXX decided again the hours liable for the fraudulent charges even with a written statement explaining the situation. I called you USAA to find out the times for when the transactions were made but USAA was not able to come up with the times for the transactions that's the general date. USAA said they would call back but they never did. They said because the credit card chip was used in the transactions, I was at fault even though I had my own physical card in my possession XXXX miles away. Also the purchases do not match my purchase history or habits. Thank you for your time. 

I have attached my credit card purchase history for USAA and also my XXXX  XXXX card where I made a purchase in XXXX Texas for XXXX 's restraunt, which I believe is during the same time the fraudulent charges took place. I tried to get more information but USAA has failed to help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is. an inquiry. dated XX/XX/2023 from a financial institution that is fraud on my account.

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 2019-06-26
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I withdrew a Payday Loan from Amscot for 500.00. From its XXXX XXXX location in XXXX, XXXX XXXX Florida. I also closed my bank account attached to my profile a few days after when I was notified that they could not change the payday of my loan to my actual pay date which was not the XXXX of XXXX but the XXXX of XXXX. Amscot has done this for me in the past and it shows on my past receipts when they were paid and when the loan was issued in their system as well. I would ask them to fix their system limitation and add an extra 5 days by contacting management and I had no issues 2 previous times. I received a phone call from an employee there telling me that they were pulling a check anyway when it was not possible. What she was really saying was she was going to fraudulently lie in their system when the process was not going to go through and try to collect miscellaneous and fraudulent fees. I have a long history of paying back my loans with the company and they did not attempt to do what this employee on the phone was trying to do. I am asking for management to fix the apparent customer service issue that I am currently experiencing at Amscot. And to be contacted personally about this particular locations malicious behavior towards my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Branch Messenger, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
on or about XX/XX/XXXX  there was an authorization charge by XXXX XXXX car agency for {$1000.00} on my account and it was Pending hold on the funds. on XX/XX/XXXX the transaction was finalized and posted to the account for {$1000.00} which was the actual amount but the Pending transaction did not drop form the account thus creating a negative balance and when I contacted their support they indicated that can take up to 30 days for the pending, ng transaction to drop which is total nonsense since that transaction is now paid and complete the pending transaction should drop and not be duplicate and cause the account being negative and all my income that is going to that account is being held towards negative balance and it is causing hardship for me. I believe this is financial fraud since the money was taken out and it was paid there is no reason for a hold on my remaining funds especially for 30 days. this is a company called XXXX XXXX  card powered by Branch designed for XXXX drivers. Please help with this matter as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NE
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. XXXX  account # 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 an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: Chime Financial Inc
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My cards and phones were stolen and someone used my cards for shopping I contacted chime to dispute the unauthorized charges I also provided them with a ftc report. They did give me provisional credit but while I was waiting on my cards to arrive by mail whoever has my phone had access to my chime account and they withdrew all of my funds twice here are my dispute case numbers # XXXX # XXXX I have been calling and emailing chime for the last few weeks this is very hurtful especially around this holiday season all I want is my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The credit bureau has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. They have reported false addresses and names under my credit which is getting me confused with another person. 

My Name is XXXX XXXX - No other ways of spelling it should be deleted My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- I have lived here for over 7 years and is my only address Please delete every other address. They are not associated with me. 

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 an 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: In progress
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received letters from XXXX XXXX to the Estate of " My Name '', stating that they had been informed that I was deceased.When contacted, XXXX XXXX stated they had been notified by a " Credit Bureau '' that I was deceased. This letter was received on XX/XX/2020. On XXXX XXXX, I was informed by XXXX XXXX XXXX that they were unable to move forward with a request for a Home Equity Loan because I was reported as being deceased. After checking with the Credit Bureaus, I found out that this erroneous information was being propagated by Equifax. I spoke with a representative from Equifax on XXXX who verified that they had listed me as being deceased. She could not give me any information regarding where they had received the information regarding " my death ''. I was very uncomfortable regarding information that she said they needed before they would correct their mistake. Documents requested were a copy of my social security card and a copy of my Driver 's License. Obviously they were not as strict regarding documentation prior to asserting that I was dead and sending this information out to companies. 
I wish to make a complaint against Equifax and I want this information corrected without my sending my personal documents to an agency that obviously can't be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately form my 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

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 2023-05-08
Company: EQUIFAX, 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: 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} TRANSUNION : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}

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 2023-12-13
Company: WELLS FARGO & COMPANY
State: GA
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 information was exposed during an XXXX XXXX XXXX. XXXX removed the late payment account on XX/XX/2023. XXXX XXXX entered the account and blamed it on the creditor. My information was compromised and led to unauthorized charges on my XXXX account. I have disputed this account with the credit and XXXX with no results.please see XXXX claim, and etc report regarding this account. this account does not have my accurate name. this account is unverifiable and late payments are not to be reported due to leak of my personal information

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 2023-12-13
Company: U.S. BANCORP
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:
I requested that the company provide me with the original contract with my signature on it and I did not receive anything from the company, and I am a victim of identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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, the consumer identifies as information that resulted from an alleged identity thief, not later than 4 business days after the date of receipt, It has been 30 days and you are in violation of the law because I am a victim of an identity thief, please delete item immediately. These account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2i Following the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. Elan Financial Services ONLY sent me a copy of the credit card agreement but I have NOT received contract with my SIGNATURE NAME ON IT.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during XXXX. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXXXXXX XXXX was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new 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 non-monetary relief
Consumer complaint received 2022-12-26
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) XXXX U.S.C. App. Section XXXX, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: KS
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-12
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: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The student loan Account from XXXX Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like XXXX, Experian, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.

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