BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I ordered 3 AMEX gift card totaling of {$2500.00} back in XXXX. And once I received and activated them, my cards got declined all the time. And I had no issues before when using these gift cards. I called AMEX, they confirmed with me it was identity issue, and I asked if there is anyway to get the problem resolved. They said no, and might be used in person to avoid identity issue and deactivated my cards which is not reasonable, and I am the owner of these cards. I then called the 3rd party where I ordered these card from, the agent from the third party was pretty helpful, communicated, helped me to reactivated these card. This process took more than 2.5 months. However, after XXXX weeks, my cards got declined again and again. It looks like I can't even use them in person. It makes no sense to me that I am going to waste {$2500.00}, and if this is the case, it's a scam of AMEX. I ordered these card because I had no issues before, and if I knew this case earlier, I wouldn't have avoided this option. I am really frustrated about the way how they solve the problem, and they don't care about how much money it's related, because it's not their money and they already sold it. I am kindly asking them to give me a solution how to use these card please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate. 

US SM BUS ADMIN ODA made an unauthorized inquiry

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 made a purchase for furniture from bed bath and beyond on XX/XX/2022. I received the merchandise on XX/XX/XXXX. I returned the two tables and chair without even opening the box as I found a set cheaper elsewhere and dropped it off at XXXX on Tuesday XX/XX/XXXX. Tracking number XXXX which they provided me themselves. I did as they asked and the tracking never updated. Ive enquirer many times directly to the company to look into it as XXXX told me that they have to open an inquiry on the package. Nothing has been done. Ive been told by reps that I would receive a refund. Then told I wont as the item hasnt been delivered. To then being told Id hear from the warehouse team which I never did. Ive contacted them countless times and they do not help at all. Terrible customer support. I did everything on my part to return the item and now I am out of money because of it. And so I did poured with capital one and now they reversed the charge so Im XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX without my authorization pulled my credit report on XX/XX/1921. This is illegal and a violation of my consumer rights and harassment. FCRA. 
DO NOT RUN MY CREDIT EVER AGAIN=harassment and illegal deceptive practices is Consumer Fraud. NO MORE 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 2021-10-19
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 a letter was sent from Helvey & Associates , Inc, saying that an account had been placed with them for collection. 

A letter was sent to them disputing the account. 

A response from the alleged creditor was then received on XX/XX/2021 in which alleged creditor stated they had " completed a reasonable investigation of the dispute and found no evidence of an error or inaccurate information. '' However, alleged creditor failed to provide any proof of said investigation or disclose how the investigation was done. 

They then sent a letter dated XX/XX/2021 in regards to the alleged debt again saying if it wasnt paid in full, then they would report it to national credit bureaus. 

Another letter was sent certified return receipt mail XX/XX/XXXX to alleged creditor requiring them to provide an actual accounting of the debt ( ie validation ), verification of their claim against me in the form of a sworn affidavit or a hand signed invoice in accordance with the UCC, a copy of the contract signed by both parties, and a true and certified copy of the original agreement.

None of this was ever sent by alleged creditor.

Two more follow up letters stating the same were sent by certified return receipt mail on XX/XX/XXXX and then again on XX/XX/XXXX of 2021. 

Alleged credit did respond on XX/XX/XXXX stating that they had already verified the alleged debt, which they had not, and that they would not being doing it again. 

Helvey and Associates did report this collection to XXXX, XXXX, and XXXX. 

However, after disputing the alleged debt with those above name companies, XXXX and XXXX removed said collection account. Only XXXX refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: AL
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:
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.

has violated my rights. Or a list of inquiries : 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 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 2023-07-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB, I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This CFPB Complaint serves as a follow-up to my previous CFPB Complaint, requesting that the Credit Reporting Agencies investigate and remove the account that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to the Credit reporting Agencies to have this erroneous and damaging account removed from my Credit File. In that letter, I attached a copy of my personal identifying document to prove that it was I who submitted the request. I requested the Credit Bureau to thoroughly investigate the following account and have it removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX This account is clearly erroneous and misleading and must be removed from my Credit file, the sooner the better. I have attached the letter I sent on XX/XX/2023, for I fear that the letter I sent would not be received by the Credit Bureau. This complaint serves as my assurance for the Credit Bureau to receive the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2021-05-15
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: Investigation took more than 30 days

Complaint:
I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I then contacted the authorities and made an identity theft report. After that, I sent a letter with my identity theft report and 3 forms of identification to Transunion on XX/XX/2021, explaining that there were fraudulent accounts and unauthorized inquiries on my credit report and i requested that it be removed by law. I still havent gotten a response from Transunion and it has been over 30 days. 

Below I have attached the identity theft report and 3 forms of identification and the letter i sent over 30 days ago to Transunion.

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 2022-05-17
Company: I.C. System, Inc.
State: NC
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:
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had online banking with them I kept getting unauthorized charges and overdraft fees for things I didn't know about taking money from my paychecks I've almost had shut off for my bills because of 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 explanation
Consumer complaint received 2023-07-28
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:
This is my 6th endeavor 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$620.00}

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 2018-08-15
Company: Diversified Consultants, Inc.
State: TX
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:
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANT XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXX XXXX. I did however work for XXXXXXXX XXXX which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX  XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX  exceed 7 XXXX XXXX exceed 7 XXXX  XXXX  exceed 7 XXXX  XXXX  exceed 7

Company response to consumer: Closed with explanation