BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: PA
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 Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im  the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, 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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my various 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXXXXXX XXXX XXXXXXXX, XXXX ( Original Creditor : 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 2023-03-22
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I reached out to Chime on XX/XX/2022 regarding a service that I paid for on XX/XX/2022 iao {$1000.00}. I disputed due to the service not being as advertised I received an email saying it would take 30 days to investigate. I then received a notice the same day a few hours later saying my claim denied. I submitted my claim again because I didnt feel that they thoroughly investigate to see what acutally was going on and my reasons that I was requesting a refund. I got another generic email saying my claim was again denied and they told me I could basically escalate it and send over my proof documentation in which I did. To which I received yet another denial email and they were basically saying it was past 60 day timeframe and that they didnt find any wrong doing on the merchants end. I feel as if they dont wont to do their part and protect their clients hard earned money from scammers such as XXXX XXXX . I paid my hard earned money for her class that was supposed to teach me everything I needed to know to start a business but wasnt taught absolutely anything. The lady that I paid for her course was recently exposed for being a scammer and it was all over XXXX and I didnt find out till XXXX at that time is when I reached out to her and told her I didnt learn anything from her class and that i would like a refund and I was denied since I accessed her class according to her. She failed to mention to any of her students that was a 30 day refund policy. Had she let us know back then I would have requested it within the 30 days because I knew immediately after I accessed course it was not what I paid for but was scared to say anything since she has reputation of posting people that speak out against her on her XXXX page so her XXXX followers can see it and talk bad about u.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XX/XX/2019 Hello CFPB Agency and Good Day. 

Bank of America retired their online " ShopSafe '' " virtual credit card number '' service on XX/XX/2019. 

My credit information was confirmed by XXXX to have been leaked in the XXXX  data breach. 

I use the Bank of America " ShopSafe '' " virtual credit card number '' service to ADD A LAYER OF SECURITY when using my credit card online by choosing to expose ONLY a user-specified amount of my full credit limit combined with limiting those funds to be available for ONLY a user-specified period of time. 

Removing a consumer 's ability to voluntarily ADD A LAYER OF SECURITY when using their credit card online seems to run against common sense when we are already acutely aware of the growing number and magnitude of data breach and identity fraud events. 

In some ways, providing consumers with the ability to ADD A LAYER OF SECURITY when using their credit cards online kind of resembles " two-factor authentication via email ''. It's SIMPLE. 

" ShopSafe '' is not an elaborate system, but enables online credit card users to add a measure of credit card restrictions and limitations by shielding the credit card number, by limiting the transaction dollar amount and by limiting the time period that dollar amount is valid. 

I can find no equivalent program for using my credit card online that provides these same customer voluntarily-selected credit card restrictions and limitations features. 

I hope that within the CFPB agency there are those who are aware of how to provide the consumer with voluntary methods to ADD A LAYER OF SECURITY when using credit cards online as well as HOW TO PRESERVE the customer 's ability to do this. 

The seemingly arbitrary termination of this credit card security enhancement program ( in use for over 20 years by Bank of America ) does not seem justifiable, especially from the very bank that offers the ShopSafe program ( BofA ) on  the credit card that they ( BofA ) issue. 

This takes on increased urgency especially with awareness of increasing number of data breaches and Identity fraud. 

Please tell me if you are aware of methods, programs or services I may use to ADD A LAYER OF SECURITY when using my credit card online. 

Thank You for your consideration and for your help. 

Respectfully Yours.

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 2021-06-09
Company: EQUIFAX, 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:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
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, AND EXPERIAN ARE IN VIOLATION OF violates 1681e ( b ) FCRA FOR REPORTING FRAUDULENT ACCOUNT INFORMATION : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$970.00} Status Account charged off. {$970.00} written off. {$970.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$120.00} Status Account charged off. {$120.00} written off. {$120.00} past due as of 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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 2022-12-05
Company: EQUIFAX, INC.
State: AL
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 consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items. XXXX XXXX account # XXXX has inaccurate last reported. Inaccurate date last active.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase through a company called XXXX. They sent me a product that wasn't as described in color or quality. I called them the same hour I received the product. They company kept asking for explanations I'd already sent and photos I'd already sent. I contacted them by e-mail, via review of the product on their website, and via text. They refused to send the return label or even provide a return address. 

I called Capital One to credit my card. Capital One removed the charge on XX/XX/2021 and then rebilled it on XX/XX/2021. I can not seem to get Capital One to explain. Nor do they have a way for you to write -- so you can skip the " He said / She said '' nonsense. 

XXXX is behaving in a fraudulent way. I had to write and call them numerous times and they refused to send me a return label. They didn't sent one until Capital One took their money. ( The shipping label with tracking number they finally sent is attached ) And then Capital One gave them back their money when the company lied and said I refused to send their wig back. 

Please find what I have in my e-mails to XXXX attached. I can also try and send screenshots from my phone texts where XXXX ALSO claimed ignorance of my multiple requests for a return label if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with Fair Credit Reporting Act there are 3 Accounts : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX That have 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions 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:
XXXX  THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN   XXXX    XXXX  REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY  XXXX  CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE  XXXX  INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   - XXXX / XXXX /2017- XXXX / XXXX /2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    - XXXX / XXXX /2017   XXXX   XXXX     XXXX   XXXX   AND   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    F  XXXX   XXXX   XXXX   XXXX   AMICO INVESTMENTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The following accounts are false and are harming my livelihood. ) # XXXX ( # XXXX ) XXXX ) XXXX XXXX XXXX - # XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX ) XXXX XXXX XXXX- XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ) 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 2022-12-28
Company: BARCLAYS BANK DELAWARE
State: VA
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:
Paid Barclays Banana Republic {$2400.00} XX/XX/2022 XXXX XXXX  posted payment XX/XX/2022 I have mailed ( return receipt requested ) thru XXXX XXXX faxed, and discussed with Barclays reps proof of payment, providing the copy of the check, front and back. Check # XXXX cashed XX/XX/2022. 
On the back of check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BARCLAYS. XXXX Today XX/XX/2022 marks 3 months of dealing w/this My payment never credited.

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 2023-09-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: Aspen National Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received a notice of right to dispute AND This is just another TIMESHARE SCAM! THESE PEOPLE NEED TO BE STOPPED FROM XXXX PEOPLE OFF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
T J Maxx I received a response from a previous complaint ( CFPB Case # XXXX ) from XXXXXXXX XXXXXXXX XXXX XXXX  with Synchrony Bank dated XX/XX/2022 stating that this account was placed with XXXX XXXX XXXX on XX/XX/2022. I called XXXX XXXX several times and there wasn't an answer or ability to leave a voicemail. Sometimes, I would just get a busy signal. I received absolutely no correspondence from XXXX XXXX 
On XX/XX/2022, I sent an email to XXXX XXXX online ( XXXX ) regarding this account. No response. 
On XX/XX/2022, I called XXXX XXXX ( XXXX ) as recommended on the letter from XXXX XXXX. I spoke with XXXX and she stated there was a " cease and assist '' on the account and that was the reason there was no contact. I did not tell them to do that. I called them to arrange a " settlement '' via making payments until the account is paid in full. 
They said the account was inactive and sold to XXXX (? ) on XX/XX/2022. I do not feel this is fair because I tried to reach places of contact. I didn't know it had been placed with XXXX until XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would love for you to please verify this incorrect information on my credit report and if so, delete it! 

inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX Account I don't recognize : XXXX  Account # XXXX Balance : {$600.00} Date XXXX XXXX XXXX Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$13000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief