BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: BARCLAYS BANK DELAWARE
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I tell you what the situation is, I have bought a package for 4 people on vacation through XXXX Itinerary # XXXX on XX/XX/2020, 3 of these people are from the XXXX XXXX, and for reasons of public knowledge due to the corona virus flights were canceled, I would also like to clarify that 2 of the 4 people are XXXX XXXX   since they suffer from XXXX. I have tried to communicate with the company XXXX during the last 10 days without obtaining any response, then when I saw that I did not receive any notification by any means, call the credit card to explain the situation that was happening, I have created a number of case XXXX with them, to follow up, but they informed me that the case can take up to 60 days to give an answer, without me knowing if the answer will be positive or not. The purchase amount was {$5100.00}, which is a very important amount that will affect my personal credit report and interest, since they are not making the return and I must wait all that time. The cancellation of the trip was not due to our problem, but rather something that for the reasons that I have explained, all the borders have been closed, and residents and citizens, both American and foreign, are obliged to return to their country.

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 2018-12-11
Company: EQUIFAX, INC.
State: DC
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 XX/XX/XXXX XXXX performed an unauthorized hard pull, I spoke with XXXX XXXX XXXX and was told that they could setup services without performing a hard pull and simply needed to verify who I was. I spoke to the rep on the phone and they stated too that by going this route they would not perform a hard pull and assured me of that. They did not request my SSN. I later followed up with XXXX and the rep stated that this has been an issues and I am not the first to call about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: WI
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX AND IDENTITY THEFT. ive been contacting the credit bureaus for months and they have ignored my disputes sending them through a machine which is illegal in the first 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 2022-11-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report XXXX XXXX XXXX XXXX XXXX  Balance : {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: FL
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 CHECKED MY CREDIT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT ME HAVING ANY KNOWLEDGE OF THEM. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME.I HAVE TRIED MY BEST TO MAINTAIN A GOOD CREDIT AND IT IS SAD THAT I HAVE TO GO THROUGH THIS BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS. BECAUSE OF THIS MY CREDIT IS IN A VERY BAD STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 CHECKED MY CREDIT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT ME HAVING ANY KNOWLEDGE OF THEM. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME.I HAVE TRIED MY BEST TO MAINTAIN A GOOD CREDIT AND IT IS SAD THAT I HAVE TO GO THROUGH THIS BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS. BECAUSE OF THIS MY CREDIT IS IN A VERY BAD STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEQUIUM has committed several violations against my person an is affecting me in a huge way, please forward the following documents to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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:
XXXX  XXXX  XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card

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 2023-09-04
Company: DISCOVER BANK
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a personal loan and was denied because of excess inquiries on my report. When I read my report, I found several hard inquiries with companies that I did not authorize to run my credit I would like to have them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One is reporting a late on XX/XX/20 on my credit file that I would like removed. I recently looked at my credit and noticed some this late notation on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Capital One report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Capital One please take leniency on my hardship and remove the late as a onetime goodwill adjustment. I have not been late before and have been punctual since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've been trying to get this deleted off my credit report ever since XXXX this says it has been verified but at the same time they can't tell me what my credit limit is if I ever applied for credit with this company this is fraud CHILD SUPPORT XXXX XXXX Experian XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Family support XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$5800.00} No. of Months ( terms ) : 1 High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$5800.00} Payment Status : Collection/Chargeoff Last Reported : 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 explanation
Consumer complaint received 2020-03-19
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My PlayMGM prepaid card has been blocked due to fraud. The website is playmgm.mycardplace.com. The balance is on my account is {$180.00}. The company refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$150.00} to my niece in the XXXX thru Remitly on XX/XX/XXXX. Until now XX/XX/XXXX of XXXX, she has not received the money which was promised to be given to her within minutes after sending. I tried to reach out to the company from here in the US and my niece tried to reach out to them in the XXXX. The so called customer team keep saying they will look into it but until now nothing has been done. Numerous calls and e-mails were also made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband died XXXX. He had a XXXX XXXX credit card for aboutXXXX  $ and a tjmax  credit card for about XXXX . The tjmax credit card was sent to XXXX XXXX XXXXXXXX. I paid XXXX XXXX $ payment to XXXX  because they made me feel guilty but Ive found out the debt died with my husband. XXXXwants to talk to my lawyer but I dont have one. Thats about it so far. They are very rude

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 2022-11-12
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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: Account information incorrect

Complaint:
In 2017, I began a 3 year lease and set up an automatic payment with XXXX XXXX with my checking account. For the 3 year period, I made payments as planned. The last few payments I made were not accepted by XXXX XXXX. They claimed that a tax change to the lease changed the payment amount so they could not accept payment. When they began calling from unknown numbers, I was traveling and did not pay attention to this until a few weeks later. 
XXXX XXXX refused to accept payment and reported to the credit bureaus that I was missing payments. This should not affect my credit score and I asked XXXX XXXX to rectify the error. Even though the remaining lease amount was paid in full before the end of the lease, they refuse to even make an attempt to change my record. 
I've disputed the issue with the credit bureaus and most I've heard back is that XXXX XXXX told them that the erroneously reported late payments are correct. 
I never missed the lease payments and was making them on time. XXXX XXXX is at fault ( if anybody ) for refusing to accept my payment, but they took it a step further by putting a negative mark on my credit report. I should not have bad credit for missing phone calls. 
Attached is a statement from the beginning of the lease showing an auto payment deduction from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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 sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} 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 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
on XX/XX/XXXX I withdrew {$1000.00} from bofa atm machine locate in XXXX, on XX/XX/XXXX I went back to withdraw money again knowing I had a balance of {$320.00} and got denied. I immediately contacted bofa card services and filed a fraud activity. A week later I received another card along with a denial letter/stating case was closed. I called and asked why was it closed and was told told it needs to be re opened in which they did. I kept calling y other day to follow up on my money and was given different answers every time. On XX/XX/10 I was told by a claims supervisor to write a letter stating my account was fraudulently used and provide my drivers license in which I went to a Bank of America Branch and had representative fax ( have proof of both ) I called today and spoke with XXXX claims supervisor. Very rude and unprofessional person. She stated that the case got closed again and denied the decision is final. Asked why and she stated there is nothing attached. Told her I have proof of both fax confirmation and letter. Why didn't they send me a warning rather than closing the case. She kept talking over me and left me no choice but to hang up. I even advised her I filed a complaint with XXXX ( claim # XXXX ) in which Bofa never complied or responded. BofA needs to refund me the money they gave to unauthorized user

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 2023-10-02
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX XXXX  per violation and clearly they violated my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Account Resolution Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ACCOUNT RESOLUTION CORPORATION for committing identity theft. I have never given ACCOUNT RESOLUTION CORPORATION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ACCOUNT RESOLUTION CORPORATION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ACCOUNT RESOLUTION CORPORATION can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Debt Collector ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Debt Collector ) continues its collection efforts, I will file for litigation for actual damages caused and ( Debt Collector ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Avid Acceptance, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a court order from the XXXX that there working approving my unemployment the harrassed every day

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 2023-09-29
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  gave me notice that it was closing my checking account I had with them effective the same day on XX/XX/XXXX via email. The email stated : " Once your Chime Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/XXXX to the address we have on file for you. ". On the date of closure, XX/XX/XXXX, I had a balance of {$1000.00} in the account. I have not seen that check since, despite repeated emails asking why I have not received my check. The latest email response from Chime dated XX/XX/XXXX states that " Your account has been closed by Chime and is not eligible for a refund. ". 
This is simple theft. I have tried repeatedly to acquire legal assistance in recovering the funds, but have had very little luck with getting attorneys to respond to me.

Company response to consumer: Closed with explanation