BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023, several unauthorized transactions were made with my prepaid Bank of America EDD debit card... visaprepaidprocessing. I filed a claim over the phone but realized the agent did nit include all the fraudulent transactions in the claim..I called back and filed an additional claim for a little over {$300.00}. 

All the unauthorized transactions were made on XX/XX/2023 and the unauthorized merchant is a company called XXXX. 

On XX/XX/2023 I was surprised to see BOFA had given me a credit of {$320.00} for the claim I had filed after realizing the agent did not include these transactions in the original claim. 

So if they approved XXXX to be reimbursed for unauthorized transactions made on XX/XX/2023 through a company called XXXX, then why didn't they reimburse me for the other claim, the one with unauthorized transsctions dated XX/XX/2023, all from XXXX? They approved XXXX but not the other. I got a letter in the mail with a vague evasive answer why it wasn't approved. 

I have since requested a reconsideration 3 times and have requested this be escalated. I'm only told reconsideration requests can take up to 45 days. 

Ridiculous and unacceptable. What kind of intelligent people do you have working in your back office? Who decided they're going to approve one claim for fraudulent purchases made on the same date as the other purchases, which were then denied? This makes absolutely no sense. I do not understand how you can approve one claim for unauthorized purchases made on XX/XX/2023 from XXXX ... but not approve the other claim for unauthorized purchases made on XX/XX/2023 from XXXX. 45 days is not ok. This is too long to wait for someone with half a brain to see BOTH CLAIMS SHOULD BE APPROVED. YOU APPROVED REIMBURSEMENT FOR ONE CLAIM BUT NOT THE OTHER.

APPROVE MY CLAIM!!

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 2023-08-17
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-06-11
Company: U.S. BANCORP
State: MA
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 was shocked when I reviewed my credit report and found late payment on my payment history coming from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2023-05-04
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received in the mail on XXXX a debit card and notice to activate the card from M & T Bank. I called the banks XXXX MA XXXX and spoke to the bank manager and someone opened an account with them using my social security number. I did not open the account. 

I put a credit freeze on with all 3 credit bureaus, notified my bank ( XXXX ) and called XXXX MA Police to file a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2018-02-22
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had to ask Equifax to remove this debt from XXXX XXXX and follow suit of XXXX and XXXX. XXXX  and XXXX both have researched these claims and was unable to " validate '' this debt, Equifax is saying that the debt was " verified ''. I'm asking how were they able to validate this debt when the other two was not. They only send me a letter saying it was " verified '' not " validated ''. 

XXXX XXXX Acc # XXXX {$1000.00} Acc # XXXX {$61.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-06-30
Company: EQUIFAX, INC.
State: OH
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 certified letter to Equifax to dispute fraudulent inquiries on my credit profile. My dispute letter included an FTC report. My dispute letter was ignored by Equifax. I later submitted a complaint with the CFPB on XX/XX/XXXX. Equifax responded to my complaint on XX/XX/XXXX stating that the fraudulent inquiries were deleted from my credit profile including the inquiry from XXXX XXXX. As of today, XX/XX/XXXX all inquiries were deleted except the inquiry from XXXX XXXX. I have contacted Equifax for the past month about the removal of the inquiry as stated in their response to the CFPB, but they have yet to remove it with no further explanation. I have filed numerous disputes and provided an FTC report. Equifax has failed to do what they stated and this has continued to affect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: CT
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 # XXXX XXXX account # XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : 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 2019-06-25
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I use XXXX XXXX to monitor my credit scores. The Equifax score is reporting a hard inquiry from " XXXX - XXXX XXXX XXXX XXXX '' on XX/XX/XXXX. I did not have a credit check done at this time and believe this is fraudulent. 

Additionally, I have two hard inquires from companies " XXXX XXXX XXXX '' on XX/XX/XXXX and from XXXX on XX/XX/XXXX. Both of these inquires were from when I was inquiring about a mortgage. They were from two different institutions, XXXX XXXX   and XXXX XXXX ; however, they were inquiring about the same thing, a home loan. On Equifax 's own website, they state " Multiple hard inquiries within a certain time period for a home or auto loan are generally counted as one inquiry. '' Considering they are within a week of one another, and resulted in a single loan, they should really be counted as a single inquiry. 

Finally, there is a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I did begin services with this company then ; however, I was not informed it would be a hard inquiry and was under the impression that utility service inquires were soft. This seems particularly ridiculous when people frequently move from house to house and have to set up new utilities throughout their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CITIBANK, N.A.
State: RI
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 have had a 100 % payment history until XXXX of this year where my Citi Preferred Credit card showed a missing payment. I reached out to the company to see what happened because I have had issues with online payments in the past and they were easily squared away due to my good payment history but they told me they didn't understand what happened and they will get back to me it has been months now and it is still on my history and impacting my credit very negatively so I have decided to reach out to see if I can be assisted by your team I have heard nothing but great reviews. I am willing to do what I need to do with the Credit card Company to assure them that this is not a pattern just a fluke misunderstanding.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-08-17
Company: Experian Information Solutions Inc.
State: DC
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2020-06-11
Company: EQUIFAX, INC.
State: GA
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to on XX/XX/2021 disputing the vaildty of a bankruptcy their reporting on my credit report. The response letter stated verified. They could not send how the verfied and needs to be deleted according to the FCRA which they once refuse again to delete which is exploding to purchase a home and causing me to pay thousands more in interest each year

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 2023-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IT'S BEEN MORE THAN 30 DAYS AND EXPERIAN, XXXX, AND XXXX ARE NEGLECTING MY DISPUTES. I HAVE WAY TOO MANY INACCURACIES ON MY CREDIT REPORT AND MY CREDIT REPORT SHOULD BE 100 % ACCURATE. EACH CREDIT BUREAU VERIFIED ACCOUNTS WITHOUT TELLING ME THEIR METHOD OF VERIFICATION AND HOW THE ACCOUNTS WERE NOTED AS BEING ACCURATE. THEY ARE NOT ACCURATE BECAUSE THEY DON'T EVEN BELONG TO ME. THESE ACCOUNTS ARE UNAUTHORIZED AND I DID NOT BENEFIT FROM ANY ONE OF THESE INACCURATE ACCOUNTS. NO ONE HAD FIRST HAND KNOWLEDGE OF THE ALLEGED ACCOUNTS THAT DON'T BELONG TO ME. THIS INACCURATE CREDIT REPORT IS UNFAIR AND HURTING MY REPUTATION WITH THE BANKS AND THIS IS HURTING MY CHANCES AT GETTING A MORTGAGE.

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 2023-05-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX - I contacted USAA because I was interested in obtaining a vehicle loan for a used ( XXXX XXXX XXXX with XXXX miles ). The advertised rate was " as low as 5.39 % '' published online and the representative on phone said the best rates for the day were " as low as 5.5 % ''. He also said they do not utilize soft-credit checks and my rate would be finalized after a hard-credit check. 

I submitted my information and was quickly approved at 6.79 %. I called the representative and was told that he has no information on how the rates are provided. I asked for more information on how to obtain the best interest rate of 5.5 %. He said the underwriters provide the rates and will not interact with the public so I would have no way to get this information. He did say that I had a credit score of XXXX ( excellent ). 

I called back ( multiple times ) to file an official complaint to obtain more information and after being disconnected ( multiple times ), I was able to submit a complaint and request a call back. USAA has not contacted me to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to Equifax, XXXX, and XXXX  on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.

Company response to consumer: Closed with explanation