BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: U.S. BANCORP
State: WA
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:
purchased prepaid gift card from a XXXXKroger grocery store, {$300.00} applied to card. 
card never worked. it had been deemed lost or stolen several years ago. 
requested replacement card 4 times. the first time it was never sent. the 2nd and 3rd time it was sent to the wrong address ( even though both times the agent confirmed they had the correct address ). the 4th time i spoke with a manager. she was able to confirm that the previous agents had indicated they confirmed my address. she sent a new replacement card. it arrived within the stated timeframe. when it arrived ( XX/XX/XXXX ) i activated the card and verified it had a balance of {$300.00}. i went to use the card yesterday and decided to make sure the card was working. from the website i received an error message. i called the 1-888 number on the back of the card and was told the card ( that has my name on it, that i had activated ) was in someone else 's name and had their home address. i was told i need to fax them a copy of the front & back of the card and my picture ID. i will do this after speaking with one of your agents but i am nervous to send them a copy of my picture ID.

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 2022-12-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I sent a letter on XX/XX/2022 asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
In accordance with the Fair Credit Reporting act 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, 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 According to 15 USC 1681i - Experian, XXXX, and XXXX  have 30 days to investigate and send me the results.

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.

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 2023-08-09
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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian refuses to remove the XXXX XXXX credit card account from my credit report and continues to unlawfully report the account despite me filing numerous requests and receiving a letter from XXXX XXXX stating that the reporting should be terminated. I called a number of times and asked to speak to a manager, but was told that no manager was available and no manager has called me back. This reporting has caused irreparable harm to my credit score and has placed me at a financial disadvantage in my attempt to obtain a mortgage loan. Experian is the only bureau still reporting this account. XXXX and XXXX have removed this account 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 non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: SC
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 a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy.

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine XXXX XXXX XXXX XXXXXX/XX/XXXX not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 non-monetary relief
Consumer complaint received 2022-10-17
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 spoke with Experian, XXXX, and XXXX representatives concerning the potential of bogus accounts being made using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three companies advised me on how to keep track of things and fill out an FTC form. On XX/XX/XXXX, I sent my information by ordinary mail. Even though I had filed my letters more than 30 days before since they had been " verified, '' the accounts that were not mine were still shown in my paperwork. This situation bothers and irritates me since it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I contacted the three firms again to see how they could prove that these accounts belonged to me. They suggested me to speak with the debt collectors directly since they indicated there wasn't much else they could do to help me. Every bank that the client called at the same time and referred to me had been phoned incorrectly ; they had no idea who I was or what the accounts were about. An online check was conducted to ensure that I was not mistaken. My buddies advised me to visit the CFPB website. I'm hoping this works since my family and I need need the house we're attempting to buy.

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Complaint : Bank to bank transfer On XX/XX/2023 at XXXX wellsfargo all. 
I'm trying transfer money from savings. Limit XXXX I did want XXXX instead. Wellsfargo restricted me. 

Please view video so Wellsfargo is aware. The issue. 

The goal to have XXXX in my XXXX  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 2022-12-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is regarding the same credit card that I filed a complaint on XXXX with Comenity Bank credit card. On Friday XXXX I went to use the credit card for the first time at XXXXXXXX XXXX  XXXX gas station. After inserting the card for payment, the screen on the pump read card reader is inactive and pump is out of order. I requested a station attendant thinking the pump reader was the issue. The attendant looked at the screen and then asked me " do you have a XXXX XXXX XXXX '' as I replied yes, she informed me that the card will not work at their pumps and " no one has that are using the same issued card by that bank ''. I by using Comenity cc shut down their pump and XXXX it and not the first customer but several customers to do just that according to the attendant. She reset the pump which took about 15min to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX  has submitted a late payment concerning my XXXX XXXX XXXX XXXX card to the credit bureaus without my consent. This posting was made for the month of XX/XX/XXXX. I spoke with the creditor in XXXX and XXXX of XXXX, and they stated that no changes would be made to the account or the report. 

Comenity Bank has reported a late payment concerning my Victoria Secret credit card to the credit bureaus without my consent for the months of XXXX and XX/XX/XXXX. I spoke with a Comenity Bank representative on XX/XX/XXXX and she stated she was unable to make any adjustments to the account or the report. No explanation as to why was given. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Background and Context of Complaint : - Sent certified letter to Experian on XXXX XX/XX/2023 - Letter was received and signed for by Experian on XXXX XX/XX/2023 - Letter was regarding removal of items due to Identify Theft and included an FTC Identify Theft Report - Ask of Experian was to remove the Identify Theft items identified - Also provided : Drivers License, Certificate of Live Birth ( Authenticated by the State of Ohio ) as proof of identity, Most Recent Credit Report, and FRCA 605 B ( 15 U.S.C 1682 c-2 ) On XXXX XX/XX/2023 Experian sent me a response ( attached ) to paraphrase : - Request to block was made in error - Requested proof of identity ( which had already been sent ) - Requested copy of a police report be sent to them Per CFPB website : - Consumer reporting agencies and furnishers must conduct a reasonable investigation of the dispute - Consumer reporting agencies and furnishers are liable under the FCRA if they fail to investigate any dispute that meets the statutory and regulatory requirements- Enforcers may bring claims if consumer reporting agencies and furnishers limit consumers dispute rights by requiring any specific format or requiring any specific attachment such as a copy of a police report - CFPB is aware that consumer reporting agencies and furnishers have sought to evade the obligation to investigate disputes by requiring consumers to submit particular items of information or documentation with a dispute before the entity will conduct its investigation of the dispute. Examples of this conduct include : a ) Specific documents even though the consumer has already provided the supporting documentation b ) Consumer to attach a completed proprietary form before investigating c ) Requiring any specific attachment such as a copy of a police report etc. 

CFPB Additional Information : - For disputes received directly from a consumer, a consumer reporting agency or furnisher must reasonably investigate the dispute unless they have reasonably determined that the dispute is frivolous or irrelevant. If such a determination is made, the consumer reporting agency or furnisher must notify the consumer of such determination within five business days of the determination and identify the additional information needed from the consumer to investigate the dispute - Notification of determination to me ( the consumer ) was outside the five business day window

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 2023-03-29
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
- [ ] In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

- [ ]

15 USC 1681 Section 602 States I have the right to privacy. - [ ] 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
These Accounts : 1XXXX BANK . 2 XXXX XXXX BANK. 3 BANK OF AMERICA. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM 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 explanation
Consumer complaint received 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Bank of America account has currently been drained due to a check that was supposedly duplicated two months after the original deposit. Check was supposedly duplicated at XXXX XXXX  so says Bank of America. This is not possible. This never happened. The original Check writer as well as myself have had conversations with XXXX XXXX & they are saying a duplicate check never happened & the only thing showing on their end is the original check cashed & cleared with no issues. Bank of America is refusing to return my money refusing to help stating that XXXX  must fix it but they can not because on there end all is clear. My account is now in the negative to no fault of my own & no one will help me to fix it. I do not recall names as most people I spoke to were customer service. I went two different times to speak in person once in XXXX NJ Branch ( spoke with manager ) and once in XXXX NJ by appointment also had numerous phone conversations via phone with customer service. I Have also been to XXXX XXXX  personally two times & the original writer of the check has made phone calls as well as spoke to XXXX in person. Bank of America is showing me no proof or evidence that this actually happened. They are just repeating what an operator is saying on another line. They do not know how to explain it and they they themselves have stated they are confused by it & that it does not make sense. As stated above the little money I did have is now gone as well as more money being owed due to bills coming out that are now bouncing back causing failed transaction fees on top of what they already took. This is to no fault of my own and as a person that lives pay check this us a horrible situation to be in. No one is willing to fix this.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern, Transunion Failed To Investigate & Provide Me With Proper Documentation Of The FURNISHER Whom Is Verifying This Account As Accurate. I Would Like Paper Documentation Of The Company Whos Reporting This Account On My Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Experian Information Solutions Inc.
State: NJ
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:
From What I Understand, Hard Inquiries, On My Credit Report, Are Supposed To Be Removed, After 2 Years. I Have XXXX Hard Inquiries ( XXXX And XXXX XXXX ). The 2 Year Period Was Up On XX/XX/2021. EXPERIAN And XXXX, Refuse To Remove, The Hard Inquiries From My Credit Report. The 3 Credit Reporting Agencies, Hate To Raise A Person 's Credit Score.

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