BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-04
Company: Comerica
State: NY
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 XXXX XXXX my direct Express card was hacked by someone posing as an XXXX employee to help with my account. It was done through my phone. As soon as I realized what had happened I called Direct Express to file a fraud complaint. and cancel my card. I was told I could not file a complaint until the charges actually cleared. I called the following day to start my complaint. They said they would send me paperwork and it needed to be returned by XX/XX/21 to get provisional credit. I never got their paperwork until the XXXX so i overnighted everything to them. I got a letter dated XX/XX/21 stating my claim was denied. I have called several times to request supporting documents on how they concluded their investigation. They simply emailed me back all of the documents I originally sent to them.. One woman yelled at me and hung up. I asked about Resolution E protection and they said it didn't apply to them. I called Comerica bank and they said they only supplied the plastic to Direct Express. I have had my SS on Direct Express because I thought it was safe. I have called several times and been put on hold and eventually disconnected. I have cancelled all cards, accounts, etc. I am having my SS sent to my checking account going forward because I am afraid Direct Express will let this happen again. I spoke to XXXX at your company and he was the first person to treat me kindly since this started. I am having trouble attaching documents.I have several but am unable to figure out how to attach them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022 I purchased a round trip flight from XXXX to XXXX  for my wife XXXX XXXX XXXX and myself through Chase Travel in the amount of {$1100.00} departing XX/XX/2022 and returning XX/XX/XXXX on XXXX XXXX. 
Trip ID XXXX. 
Departing flight info : Trip confirmation - XXXX Agency Reference XXXX XXXX XXXX and XXXX Returning flight info : flight confirmation XXXX Agency Reference XXXX Flight XXXX  XXXX and XXXX  XXXX I then had to cancel the flight through Chase Travel who told me I will receive a flight credit in the full purchase price of {$1100.00}. On XX/XX/XXXX I used {$250.00} of the credit to book a flight for my wife to XXXX leaving {$900.00} remaining in credit. 

I am now attempting to purchase a round trip flight for my wife and I to XXXX from XXXX and Chase Trace has not been cooperative at all. I have spent at least 6 hours explaining the situation to them in the past week and I currently have been on hold for 55 minutes of a XXXX call that is still ongoing. I have made multiple calls in the past week leading to people just hanging up and not calling back or transferring me to random people that have no history of the situation forcing me to start over again until I am hung up on. In the most recent phone calls they have told me to call XXXX XXXX instead of Chase Travel to use my flight credit. When calling XXXX XXXX they let me know my credit is only for {$250.00} and its only for XXXX as I was not on the trip. The trip that I booked on my card through chase travel. Since attempting to make the trip the cost of the trip has increased in addition to the several hours spent trying to obtain my credit. Chase has admitted to me having booked a round trip for two people and when asked how the credit can only be for XXXX they tell me to call XXXX. Then XXXX will send me back to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27
Company: WASHINGTON FEDERAL BANK
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX the amount of {$6800.00} was taken out of my savings account by someone other than myself. On XX/XX/XXXX {$7400.00}, on XX/XX/XXXX - {$30000.00} and on XX/XX/XXXX {$30000.00} were also taken out of my account by someone other than myself. My savings account does not have a debit card to it, nor is it accessed by the internet. I only made withdrawals in person. I do not believe that anyone stole my identity, but that someone who works at the bank took funds out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BARCLAYS BANK DELAWARE
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 Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal 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 2021-11-23
Company: CITIBANK, N.A.
State: CA
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:
Citi bank continues to let charges go through for a merchant that has already been blocked on a previous dispute. They made me close my account due to the original complaint and sent out a new card. The same merchant was then allowed to charge my new account for some reason. I had to close the account again, and get a new card again. On XX/XX/18 the same merchant was allowed to charge my account again! This is the third card this merchant is allowed to continue charging on my account and Citi continue to provide them with my information. How is this legal for a credit card company to give my new information to a merchant without my consent. Calling Citi card for any assistance is nightmare. It takes multiple transfers from rep to rep because the people answering phones refuse to listen or do any critical thinking, and instead follow a flow chart and script. Today I spent XXXX minutes on the phone only to get nowhere because of the same problem that the representatives don't listen.

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 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISCHARGED

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 2023-07-28
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Avant- Credit is charging me XXXX late fees even though I have no credit card to use and making monthly payment which just steal XXXX fees I have a {$500.00} credit limit, I made all payment and they just charge late fees Do you job, get off your XXXX and protect Americans The FTC had already XXXX settlement for fraud, why are you letting this company ripped off XXXX XXXX and XXXX  They charge are me XXXX late fees this alone at XXXX which is XXXX dollars I think the XXXX XXXX XXXX XXXX  this company and conspiring with them to steal from Americans under the protection of government immunity since there are stealing late fees But I guess we can put my case with the XXXX XXXX XXXX since he stealing and the government has done nothing. 

XXXX XXXX  ask for his government Do you Job and protect Citizens from these predatory companies Payment records included Avant Credit Web Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XX/XX/XXXX {$250.00} IN COLLECTION ON REPORT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PAID Both of these should immediately be taken off my credit report as this loan was paid, the school XXXX  forgot to add this to my XXXX XXXX, and finally called me after many years for {$250.00} in which I paid and they stated it was NOT a hit on credit report. Please remove. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Reported Account Closed {$2400.00}. Way over XXXX years on report, should be removed. It is now XXXX this is past XXXX years this should be removed off 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 2023-01-04
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2022-04-16
Company: EQUIFAX, INC.
State: MI
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 Convergent Account # XXXX Total XXXX THE 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
See previous complaint with this company. They did not try to verify this account within the required XXXX days, and now wants to begin again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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:
On XX/XX/XXXX I wrote a letter to Experian to pursue my rights to request information on the method Experian used to obtain their verification, as well as the details of said verification.According to the law, it is my right to receive proof of the verification and if that proof is missing, to have the inaccurate entry deleted. Since you failed to furnish the information you used to validate the information used with XXXX XXXX XXXX XXXX on my credit report. This is my notice to sue under section 616 of the FCRA due to non compliance on your company part. The following items are unverifiable which is why you haven't submitted the information used to validate this information. 

Legal actions that can be taken : Defamation, financial injury US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. 
Defamation, willful injuryFCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX XXXX Case 115 F.3d 220 XX/XX/XXXX, Filed ( D.C. No. XXXX ) .Extent of damages incurred by the wronged party, as deemed by the courts.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: IL
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. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account XXXX Date opened : XX/XX/XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

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 2023-01-06
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

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. 

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 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 explanation
Consumer complaint received 2020-05-22
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:
My name is XXXX XXXX and I am submitting this complaint myself. You sent me a response saying, " but it didnt appear to have been communicated by you or a properly authorized third party. '' That is not TRUE, I am submitting this complaint myself. I have gotten information on how to do this online, when I sent things to the bureaus some of them are telling me to do a complaint with you online with the CFPB. 

I did this complaint myself. 

The following : XXXX XXXX XXXX, # XXXX, XX/XX/XXXX, {$1200.00}. 
XXXX XXXX XXXX, # XXXX, XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX , # XXXX, XX/XX/XXXX, {$460.00}. 

These are not mine, they may belong to someone with my name or opened via fraud.

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 2023-10-30
Company: EQUIFAX, INC.
State: TX
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 identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation