BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My {$3200.00} flight ( ticket purchased XX/XX/XXXX for a flight XX/XX/XXXX ) was cancelled by an airline, and the airline told me there was nothing they could do to refund me and they are no longer responding to my inquiries. I called Bank of America on XX/XX/XXXX, and a customer service agent there helped me file a dispute. This agent told me I had up to 1 year from time of purchase to file a dispute, so my filing was right at this deadline. I mailed in all the supporting documents from the airline to their dispute office. On XX/XX/XXXX I received a message from Bank of America saying my claim was denied because it was filed after their 60 day dispute window ( which conflicted with the timeline the previous agent provided ). I have since had a nightmare experience with Bank of America trying to sort this issue out, and they claim there is nothing they can do now that the case has been denied. I am out {$3200.00} and everyone involved claims theres nothing they can do about 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 monetary relief
Consumer complaint received 2019-09-24
Company: EQUIFAX, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I have never applied for a credit card. My personal information was compromised by XXXX XXXX. The total charge on the card is {$1400.00}. I notified Chase and they asked that I notify this company. I also notified them that I do not have the card in my possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion Inc. unlawfully published a phone number under the personal information section of a report that was generated on XX/XX/2023. 

In a CFPB claim that was submitted XX/XX/2023 ( XXXX ), the company was informed that the phone number was being used fraudulently and added to the report by a third party contractor working with Transunion Inc. at the time.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX Is reporting 8 inquiries that I have no knowledge of. I have noticed that within the week they are adding more inquires. I recently put in a complaint to credit karma about these inquiries but they are ignoring my request to delete the inquiries.

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 2023-11-02
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my credit card and it went thru then the next day it didnt so I paid it again, on Monday, I had a negative balance because there was a duplicat transfer, when I filed a claim they said they would resolve it by making a reversal and send me the money back into my account and that didnt happen. So I called the fraud department and they filed it again causing them to reverse both payments which caused my credit card balance to go up to an amount which is not my max limit : my limit is XXXX and now its {$3000.00}, as if I never paid for my card and now its due soon and they still havent send me a check and I spoke with the bank and nothing is being done.

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 2023-05-15
Company: CAINE & WEINER COMPANY, INC.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
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:
Inquiries listed on my credit reports I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
Company: iQuantified Management Services, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Good morning, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX I am making a complaint against IQuantified Mg. Services and the creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WA My XXXX, through XXXX in XXXX XXXX WA was XX/XX/XXXX XXXX is my primary insurance. XXXX sent me 2 bills, saying that I owed them extra monies. I in fact set up a payment plan for the XXXX and XXXX amounts. The insurance to cover the rest. 

Then on XX/XX/ I received a Collection letter from IQuantified Mge. Services in XXXX, CO to collect for XXXX XXXX XXXX. for XXXX I called XXXX to please contact them, as I was not able to get them XXXX through phone or email. They said they would and that XXXX would get back to me in 5 days.No phone call, no text, etc. 

I in fact never received a written bill from XXXX. It looks like they just decided to send the bill directly to collections. I feel like I am being railroaded. I have an extremely high credit score and don't wish to have a blemish on my score. I always follow the rules, though some arbitrary, but I do. So I feel like I have been scammed by XXXX. 
Please, please help me with this problem. And did they even submit my XXXX XXXX??. Thank you for your time and consideration. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Comerica
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My XXXX is blocked and has been for two months now. After spending 2.5 plus hours on the phone the first customer service person said yes there is a block and she connected me with the Dept who handles that. 15 minutes later someone comes on and now says there's NO block. So I said then you are trying to tell me XXXX, my phone company, XXXX, and half dozen other merchants are the problem and not the card? She was obviously lying and said " yes there's no block ''. Then she said it would clear up soon. Its not blocked yet they'll have it fixed soon. That was almost two months ago and the card is only works at an ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX   XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT 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 explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files.

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 2018-10-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This organization ( XXXX XXXX ) has been bombarding my home phone ( XXXX ) almost hourly with calls in an effort to collect a debt to which I have no affiliation. I called back to attempt to resolve the problem, but they do not have any record on file for the number they are calling to which normally would be attached to an account. 

Calls are coming from various sources including but not limited to the following phone numbers ; XXXX XXXX XXXX XXXX These numbers have been reported as a spam risk by reverse phone look-up ( XXXX ) citing many other people with similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I received a letter from XXXX stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXXXXXX  with XXXX. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my Equifax or XXXX account balances had changed- they did not. I filed a dispute with Equifax on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from XXXX each time. On XX/XX/XXXX, I filed a dispute with XXXX, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted XXXX by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a vehicle online. It ended up being a fraudulent dealership. The payment was wired to an account at Truist bank with ended up being withdrawn or removed by the fraudster. I called Truist to let them know about the situation so they could flag the account or not allow the perpetrator to withdraw the funds. They refused to do so and subsequently, the money has been withdrawn for the account and has not been recovered. 

The two issues are, my bank now is insisting that I still make payments for the car loan even without a vehicle. This could have been avoided if 1, the account was frozen when I called in. 2, someone opened a bank account in the dealership 's name, which the money was sent to and the bank should have done due diligence before opening an account by requesting documents and if that was done, the bank should release the name of the account owners to the authority so my stolen money can be recovered.

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 2023-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 

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 non-monetary relief
Consumer complaint received 2023-01-26
Company: DISCOVER BANK
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Discover card service is trying to collect a debt of {$410.00} from 2017. This was a secured credit card where I funded my own credit limit. I put a deposit down of {$500.00}. Which I never received back which should have went towards whatever debt that was left over. Discover have yet to provide an itemized statement with my deposit that I paid which covers what the current balance they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I initiated and entered an consumer credit Transactions with WELLS FARGO with my open ended credit plan XX/XX/2013. 
WELLS FARGO then alleged i had unpaid late alleged obligation, Which they then charged off and closed the account XXXX. No federal law under Truth in Lending or FCRA statutes does it mention LatePayments in connection with my open ended credit plan. 15 USC 1602 does however say an account can not be closed without my the original creditors written consent. Also a natural person can not assume any debt, because pursuant to 18 USC 8 the United States assumes all obligations. WELLS FARGO is attempting to collect an alleged debt from me ; in the process harming my consumer report and my reputation which is a violation of 15 USC 1692d ( 1 ).

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 2021-07-02
Company: EQUIFAX, INC.
State: NY
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:
Letter sent to Equifax on XX/XX/2021 in regards to a collections account that was reported on credit file. This was removed in XX/XX/2021 and re reported on XX/XX/2021. This is incorrect information as the collection agency XXXX sent a letter that it has closed and requested it be deleted from Credit Agencies. Equifax is in violation of FCRA. Subject to XXXX USD fine. This item was reinserted on my credit In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I applied for Care Credit and was approved for {$7000.00}. A week later I checked online and the account was blocked. I have never used the account. I received a letter asking to verify my identity. I mailed my documents to the PO Box on the letter. TWO MONTHS LATER THEY CLOSED MY ACCOUNT! WITH NO EXPLANATION! I don't understand how a company like this can still be in business. I've never had fraud in my name and I sent in the paper work they requested. WHY WAS MY ACCOUNT CLOSED??????

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