BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-10-17
Company: EQUIFAX, INC.
State: AZ
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Propel, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Somebody hacked my account took {$1800.00} out from XXXX XXXX on XX/XX/2023 thats not in my name I email my card provider with the information the same day but company was closed for the weekend I made a dispute for the unauthorized transaction the providers card company closed my account and have not reimburse me for my {$1800.00} the card company says no error has occurred please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2020-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
In XX/XX/2019 someone acquired my Bank of America Visa information and used it to open a subscription with XXXX XXXX -- a video game company. I saw the charge on my XXXX bill, reported it as fradulent, received a refund and got a new credit card. Then the charge appeared on my XXXX bill. I repeated the process. When it showed up again in XXXX, I repeated the process once more and began researching. That's when I learned about the Account Updater service. When I asked Bank of America to opt me out of having my account details updated for participating merchants they responded that they had no control over that and told me I had to call Visa. Visa told me it was the card issuers ' responsibility and sent me back to Bank of America.I can't cancel the subscription through XXXX XXXX because there is no contact information for the company on its website. Nor do I know what name the subscription was opened under. I can't believe that neither Bank of America or Visa is unable to suspend account updater for 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 monetary relief
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: MI
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:
According to 15 U.S.C 1681i it states i have the right to recieve a letter in the mail saying things are being disputed and investigated. experian and XXXX failed to do so. 
also 15 U.S.C 1681 ( 5 ) states i if information is found inaccurate or can not be verified it shall promptly be deleted. ALL THREE BUREAUS HAVE INCORRECT INFORMATION ON MY REPORTS ; DIRECT VIOLATION of my rights My one and only legal name and address is " XXXX XXXX XXXX '' ADDRESS IS " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' I demand all other incorrect info be deleted. 

in accordance with fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy EXPERIAN violated my rights the told me i was signing up for free credit reports but since ive not let back into my account and there is a recurring fee. XXXX XXXX AND EXPERIAN have all different things on my report inaccurate open/close dates, accounts that i did not give written insturction to furnish, accounts that are on some but not all ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), also charges from or hard inquiries from each bureau showing on my report. 
recurring XXXX EXPERIAN HAS CHARGED ME 10 times sending repeating emails when i never signed up for that and still have to recieve anything in the mail from all of the bureaus even though this expected and a violation of my rights if notXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have all violated my rights as a consumer, mainly the bureaus for furnishing this inccorect info but also taking action i did not approve of. 

15 usc 1666 a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose THIS WILL BE MY THIRD TIME TRYING TO DISPUTE W THE BUREAUS ON NOT HAVING MY CORRECT INFO AND FURNISHING THINGS ON MY CREDIT WITHOUT MY CONSENT REMOVE THESE THINGS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
Company: KP ASSET CONSULTING LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a voicemail on XX/XX/23 from KP Asset Consulting about a debt owed. I believe they are looking for a XXXX XXXX, but I honestly couldn't understand that part of the voicemail. Location Specialist XXXX XXXX said they are looking into a pending claim and that the filing would become public soon. He said they are coming both to my home and my job 's payroll department ( he said that twice in this voicemail ) and that I needed to produce 2 valid forms of identification. He ended his message with, " See you soon. '' The number left for KP Asset Consulting was ( XXXX ) XXXX. 

On XX/XX/23 I received another voicemail from Location Specialist XXXX XXXX who said they would be at my home and job in an hour. He left the same phone number for KP Asset Consulting and ended the message with, " If I don't hear from the filing party right away, I will be seeing YOU. '' On XX/XX/23 I called KP Asset Consulting and told them I've received 2 voicemails from them. They were unable to find my name in their system and hung up on me when I told them that they were welcome to come to my job ... at the XXXX XXXX XXXX XXXX. They have called me before although I deleted those voicemails. I hope they stop calling my work cell phone now!

Company response to consumer: Untimely response
Consumer complaint received 2022-03-24
Company: U.S. BANCORP
State: RI
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 received notification that credit report changed, when I logged into my account it said I had 2 new hard inquiries one from Elan Financial and one from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from XXXX and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call XXXX and I sent them an email. They never responded. I called Elan financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My debit card number was recently compromised somehow, and fraudulent charges were made to my Wells Fargo account. Immediately after realizing this, I made my report to their fraud and claims Dept on XX/XX/XXXX. They have never contacted me regarding the issue, instead Ive had to initiate contact, which I have on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Beginning with my initial report, I have maintained that several of these charges were recurring payments, and I saw multiple charges as I quickly scrolled through my account that evening. It was clear to bot myself snd the person taking the call that a look back at all transactions would be necessary to determine an accurate total. 
In my subsequent efforts to follow up, I have received a much different experience than in the past, and unfortunately this isnt the first time this has happened to me. Each conversation consisted of me being told their policies and entitlement of time to investigate. I have responded by directing them to he fast that I am on unemployment, receiving less than 50 % of the income I have for the entire 13 years Ive banked with them. My balance was low, and despite my communication of this concern, I was assured that any and all missing funds would be given to me quickly, and that and overdraft fees assessed would be reversed. By the time the week ended I still hadnt received even a provisional credit. My account had gone into overdraft, which it would have had my number not been compromised and/or if I were employed. At that point, I literally had not even a XXXX to provide myself with any basic needs, food, or anything really. The amount still owed to me is mainly a sum of the overdraft fees, charged to me by the bank while they conduct their investigation. Meanwhile my unemployment check, which has decreased dramatically has now just been completely absorbed by the negative balance in my account, which was caused by the bank itself. They dont seem to understand that I am a human, who had their money stolen, and and they have only mage the situation worse and left me in a pretty awful spot. 
** see attached letter I sent them today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : 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 2022-08-27
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans are through a company called American education services. I believe I took out the loan for XXXX or XXXX XXXX, in 2008. Since then I have paid {$35000.00} back of the loan. {$25000.00} of that has gone towards just interest. And I still owe {$56000.00}. They are charging me a crazy amount of interest. Ive been trying to pay, but am only paying the interest portion and drowning in this loan. And they told me they werent following the no interest for Covid, so I have been paying my loan and the interest for the past 1.5 years. In one month I paid {$1000.00} towards my loan, and all but {$100.00} went to interest. This is insanity and Im desperate for help! I have called the company, spoke to managers. They tell me my loans are private and no actions can be taken, but they are FFLEP parent plus loans. And my school closed down and the school was found fraudulent, so I was hoping for some sort of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: OH
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 instruction

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 2023-07-15
Company: EQUIFAX, INC.
State: NY
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 submitting 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/block any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i just got of the phone after i sent letters asking for my account to be updated but I got the runaround, they have not updated my info to the correct status if been months I have disputed with them to no avail, and late payments on my report they refuse to remove! I need the cfpb to help them comply with the Law! XXXX XXXX and 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 2023-10-02
Company: LEXISNEXIS
State: IL
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:
This communication is in reference to my LexisNexis Accurint Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. In an effort to correct the inaccuracies that LexisNexis Accurint is reporting, I have requested the source information for ALL items being reported on my LexisNexis Accurint Report numerous times. None of my requests have been acknowledged or fulfilled by LexisNexis Accurint. Therefore, this communication shall serve as my formal written request for LexisNexis Accurint to provide me with ALL source information/documents for ALL items on my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, an unauthorized wire for {$5400.00} was sent on my Chase checking account to a user whom I did not know, among many other unauthorized transactions from XX/XX/XXXX to around XX/XX/XXXX. I filed a police report, contacted my banks, contacted the FTC, filed a report on IC3.gov, and contacted XXXX. Chase bank has resolved almost everything except the {$5400.00} wire, which they denied on the grounds that I gave the perpetrator my username and password. I did not give the perpetrator my username or password for my Chase online portal. I met with a Chase banker, and we filled a complaint against Chase as well as had the Chase fraud and claims department reopen the case. 

I also plan on contacting the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I changed the bank I was using for autopay for American Express credit card from XXXX XXXX  checking to XXXX XXXX checking account on XX/XX/XXXX. This action was done on the credit card 's website. After providing the new bank 's routing number and account number, I received a confirmation email from American Express which said " Weve received the changes to your AutoPay Monthly plan. Thats it theres nothing else you need to do '', a copy of which is attached. 
My next autopay was due on XX/XX/XXXX. I checked the credit card account on XX/XX/XXXX and found that the autopay didn't happen and a late fee of {$29.00} was charged to me. I immediately contacted American Express customer service. I was able to make a manual payment to the full amount due. However, I was told by the agent that the the late fee can't be waived. Agent stated that the autopay didn't go to the new bank I added because it was mid-billing cycle. I disputed that citing the email from American Express that didn't mention any such requirement. Also they could have charged the previous bank account which is still active if the new one can't be used. The customer service rep was not able to reverse the late fee and I requested a call from the supervisor to resolve this issue. I received calls from two people claiming to be supervisor on XX/XX/XXXX and XX/XX/XXXX but they kept repeating the same thing and not agreeing to remove the late fee.

Company response to consumer: Closed with explanation