BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-05
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:
Transunion will not allow me to submit another dispute, and at the time of their response they advised me they were researching this issue further. During this time, the accounts that were reporting invalid. XXXX XXXX XXXX XXXX, Two Cards one that shows own {$15000.00} that was opened unauthorized not in my name.  Another is for {$10000.00}. These are not my account 's i have submitted identity theft to the company and i want these cards blocked from my credit file. Also i see that XXXX XXXX is showing an account for an authorized user that is owing {$6000.00} This is not my account. I did not get added to this account by anyone i know. The account was opened fraudulently. XXXX XXXX did admit to this, i asked to be removed as per their rules and card agreement you can be removed at any time if unauthorized. Yet they still don't remove me and i don't want this showing on my credit file as i did not authorize this account. 

Secondly i have seen two collection accounts re appear on my credit once again, XXXX XXXX XXXX for {$200.00} which is not my account and shouldn't be on my credit file as i have no knowledge of this account. And XXXX XXXX for {$120.00} Which appears to be for a XXXX account that i do not have and have already previously reported identity theft with XXXX, and also XXXX XXXX, and the FTC. I am going to attach a identity theft report. I want all of these accounts removed and blocked from my credit file immediately. Another Account is XXXX XXXX XXXX. I paid this account off over 6 months ago. They finally removed it three months ago after filing constant complaints against their practices since they agreed to remove the late charges and never did, and also agreed to Match the payments which they never did. They finally showed it paid off. Then 3 months later the account reappears, and all the sudden says opened again for the same amount owed then 3 more late payments are added. THIS ACCOUNT WAS PAID OFF MONTHS AGO, I have Receipts for these. I will attach it. 

Lastly there are several inquiries that were not from me these are fraudulent inquiries and i will list them below please investigate this. 
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 2023-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: AMERICAN EXPRESS COMPANY
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:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMEX, Inquiry Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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:
I have unauthorized inquiries on my Experian report. Please see the attached FTC 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are multiple inaccuracies showing on my credit report. I have tried to fix this problem with the credit bureaus however after a couple of days they close my dispute as if they looked at it with really verifying the information. 

I am including the below inaccuracies as I seen them showing on my credit report Accounts Bankruptcy- I have never filed Bankruptcy and the clerk of the XXXX XXXX XXXX sent me a letter saying they never confirmed to any credit bureaus that the bankruptcy belonged to me XXXX account number n/a balance XXXX XXXX  XXXX account number n/a balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, NV 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 2018-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: MT
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 XXXX XXXX Account # 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 2021-01-26
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On Monday, XX/XX/2020 at XXXX, I received a text message from American Express `` Serve '' Card advising that my account balance had fallen below {$10.00}. I had not used the card for a few days and was immediately concerned. I called Serve as soon as possible at XXXX that same evening. The representative I spoke with was dismissive and advised that there was a charge pending on my account for my entire account balance of {$100.00} to XXXX of XXXX, NJ. I advised the representative that I had not shopped at XXXX, never been to XXXX, NJ, and that the only card was safely in my possession Virginia with no others authorized to use it. He advised that because the transaction was in a pending status I was required to wait eight days, call back and only then would an investigation be opened. He refused to close the account or take any protective measures to ensure no additional charges would be forced through. 

On Monday, XX/XX/2020 at XXXX ( 8 days later ), I called Serve. The charge had posted and I was finally able to initiate a fraud investigation. I was advised by the representative that it could take between 10 and 30 days to complete. I was told not to call back to inquire, but instead wait for an email determination letter. This representative refused to close the account, but canceled the compromised card to prevent any further charges and issued another card. I advised the representative of the following to include in the fraud investigation : No one I know traveled to XXXX NJ and made purchases as at this XXXX store I have never been to XXXX, NJ or to this XXXX store I have not shopped inside of a XXXX store since XXXX of 2020 All of my approved orders with XXXX are made online and picked up at my local store All of my valid orders with XXXX are made with my business Visa credit card My XXXX  card is only used for fast food purchases, gas, etc. 

After receiving an email from XXXX  on Thursday, XX/XX/2020, advising me that my dispute for the charge in question ( {$100.00} ) was declined ; I contacted XXXX directly. The representative I spoke with reviewed my previous orders with me and was unable to locate any orders for the date or amount in question. She advised that the only way I could have made a purchase at this store is if it was shipped. There is no record of any shipments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: SYNCHRONY FINANCIAL
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I believe I have been harmed by illegal activity involving malicious software on my XXXX devices. I will be turning in the XXXX devices to the XXXX XXXX for an exchange. This has been an ongoing process since XX/XX/2022 in which I have been investigating on my own behalf. I am proceeding with the further steps to take action in this case. I would like to dispute all accounts with balances that have been deemed as Charge-Off Transactions.

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 2018-10-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I HAVE TURN TO CFPB FOR HELP RESOLVING A INCORRECT INFORMATION ON MY CHEXSYATEMS AND THEY FORWARD MY INFORMATION TO CHEXSYATEMS AND CHEXSYATEMS REPLY THAT THEY VERIFIED THE AND CLOSE THE CASE WITHOUT AND EVIDENCE OF DOCUMENTS, I HAVE ASK CHEXSYATEMS AND XXXX  THE BANK WITH THE INCORRECT INFORMATION ON MY FILE TO PROVIDE ME EVIDENCE OR DOCUMENT THAT I OWE THEM ANY MONEY AND BOTH HAVE FAIL TO PROVIDE ME ANYTHING. 
AS OF XX/XX/2018 THE INCORRECT INFORMATION IS STILL ON MY ACCOUNT AND HAS NOT BEEN DELETED.

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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
-- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- NOT DUPLICATE -- -- NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Bank OF America has committed SECURITIES and has DISCRIMINATED against a consumer by obtaining CREDITS via a FINANCE CHARGE and APPLICATION ( ASSETS/SECURITIES ) and has given me no benefit. Bank America has unlawfully denied me my federal Right to CREDIT by shutting down my consumer credit accounts and FALSELY ADVERSELY REPORTING A ALLEGED DEBT giving the impression I am in lawful debt to Bank Of America. Bank Of America has collected MONEY on a consumer debt that arose out of a FINANCE CHARGE where satisfaction for the obligation was completed upon APPLICATION via my Social aka CREDIT CARD. Bank Of America then decides with no warning to ADVERSELY SHUT DOWN my own credit and accounts and CHARGE OFF THAT ALREADY PAID DEBT as a BUSINESS LOSS. Even tho that consumer debt has already been satisfied by the Finance Charge Bank Of America has DEBT PARKED it on my consumer REPUTATION causing me massive severe harm financially and personally in order to COERCE MORE ( RE ) -PAYMENT on a debt that was already satisfied. Notice it is fact this adverse voluntary reporting of an alleged debt goes against the very definition of charged off debt by the IRS which states charged off debt shall be reported as INCOME. Bank Of America there for is inaccurately reporting income on my consumer report as a debt and is now under the Juresdiction of the F.C.R.A Tittle 15 for false and inaccurate reporting. Notice it is a fact Bank Of America has charged of debt as a business loss but has not properly sent to me a copy of a IRS 1099C form for filings. Notice it is fact Bank Of America has charged off an alleged indebtedness as business loss but has not returned to me in the full amount of that indebtedness now in violation under Federal law 26 USC 6050P.

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 2023-12-26
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:
I have reached out to Trans union several time via phone about these unauthorized inquiries on my credit report. I have File a Complaint with FTC ( will provide attachment ). Trans union continues to leave this information on my consumers report. According to 15 usc 1681c-2 : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am also aware that my written permission must be given, without my permission is identity theft.

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 2022-09-30
Company: WELLS FARGO & COMPANY
State: MN
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:
XX/XX/2019 {$1100.00} XXXX XXXXXXXX XXXX ID # XXXX XX/XX/2019 {$350.00} XXXX XXXX XXXXXXXX ID # XXXX I have disputed this multiple times with Wells Fargo ( WF ) and sought additional handling. It is not my charge and was not made by me. I never signed or provided information. I would have no reason to make this charge. 

When the charge appeared, I called the merchant number and they claimed they could cancel whatever was charged at that time. They then directed me to WF if the charge was not reversed for some reason. 

WF admitted that the Corporate Headquarter sent information that showed their concern as well and that they did not have sufficient information to process these charges. I do not recall the exact terminology translated by WF for the merchant, but clearly WF knew that this dispute process was not followed properly as they explained to me. They stated that when they received this information they should have continued to the next step and they failed to do so. It may be that WF ran out of time for the dispute process so just neglected handling it. WF then sent letters claiming that I paid monthly on the account therefore they had no dispute rights. They have failed to properly credit the 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 monetary relief
Consumer complaint received 2018-10-28
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Dear CFPB, This complaint is for Barclays XXXX Credit Card ( Application ID XXXX ). 

I have more than 700 credit score and I have other multiple credits cards with XXXX  XXXX XXXX and XXXX. 

However, Barclays is repeatedly denying my application. 

After talking to them, they said I do not have a cell phone, so they can not accept my application. 

I have provided them my SSN, my full credit check and my address. 

They are asking me to mail them paper copies of my Driver License, SSN card, Utility bill and bank statements. 

I am afraid, this is unfair. What if my papers are used for identity theft. What if my papers are lost. 

I am perfect credit score. All other banks have easily accepted my application. Why is Barclays being so unfair in approving my application?

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