BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex-partner used me, my social security number and legal name to commit XXXX fraudXXXX XXXX through his business, and he opened 2 business credit card, maxed it out, without my consent or acknowledgement. He opened, used and maxed out two personal credit cards under my name and social. All of the above statements were for his own personal and financial gain for himself and business. This individual grifted me for two years, took advantage of me and battered my legal name and social ; leaving me in crippling IRS tax debt and overwhelming credit card debt. I was in a relationship with this individual for two years from XXXX to XXXX. The business name was under XXXX XXXX XXXX and XXXX XXXX XXXX. The steps I have taken are calling companies and reporting fraud/identity theft and disputing them through XXXX XXXX or XXXX Credit Bureau XXXX To which no further action as came about calling and reporting the fraud or through disputes with the bureaus. 

American Express XXXX at {$32000.00} American Express XXXX at {$1200.00} XXXX  XXXX Business at roughly {$3900.00} XXXX XXXX Personal at roughly {$1200.00} XXXX XXXX at roughly {$400000.00} or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: AMERICAN EXPRESS COMPANY
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 opened a credit card under XXXX XXXX and few days later someone used my name to open up 2 different American Express Credit Cards which fr pleated my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account name :, XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a Bank of America customer since it took over XXXX in 2004. During that time I was DEFINITELY a victim of fee-gouging ( overdraft, etc ). Additionally, I had a loan with Bank of America only to realize it was actually a CREDIT CARD, and I did not receive the benefits of having said credit card. Sadly there are limits on the research I can do within my Bank of America banking portal. How should I move forward to deal with a final amount to be refunded?

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 2020-12-30
Company: Orion Portfolio Services, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent me an email about ten year old debt and threaten to sue me Being up to date on your finances helps give you peace of mind. 
XXXX XXXX, we are writing to tell you about an important matter that should be resolved. It's possible that you weren't aware of your outstanding balance of {$89.00}, originally owed to XXXX. 

Learn about your options to resolve this. 

This was originally a check written to the XXXX. The check was presented for payment but dishonored by the bank. Orion Portfolio Services , LLC purchased this debt and has hired our company, XXXX to collect the balance due of {$89.00}. The balance due includes the face amount of the check, {$64.00}, plus a returned check fee of {$25.00}. 

Account Information Current Creditor : Orion Portfolio Services , LLC Original Creditor : XXXX Original Check Number : XXXX Check Amount : {$64.00} Returned Check Fee : {$25.00} Balance : {$89.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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.

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 2020-12-31
Company: EQUIFAX, INC.
State: OH
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:
Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship i was not able to make those payments on time. The following account that shows late payment for XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic Shutdown I was effected financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2018-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
On XX/XX/2018 I made a payment using a Capital One credit card to Patient Pay Services. This payment was for medical services rendered, but not yet billed to my insurance company. The total charge was {$1200.00}, but {$600.00} was paid using this capital one credit card. Shortly after I received confirmation the balance was paid in full, and given a Claim Recap from my insurance provider, stating that of the {$1200.00} billed, only {$33.00} would be my responsibility. After attempting for 2 months to procure a refund from Patient Pay services, I engaged the dispute team at Capital One. I submitted a formal request on XX/XX/2018 to request reimbursement. Initially, Capital One received my documentation, ignored it, and closed my case. After being notified of this, I contacted them and had the case reopened. After speaking with an agent in XX/XX/XXXX, I was informed one of my documents was incorrect. While speaking with the agent I uploaded the correct document. OnXX/XX/XXXX, I was notified with 2 letters using differing verbiage that my case was once again closed. When I spoke to an agent I received an apology and was told my case was open and being reviewed. Today, XX/XX/XXXX, I once again called and was told that my documentation, which clearly shows my benefits covering this charge, is not enough, and I must now procure additional documents to satisfy Supervisor XXXX, ID # XXXX, because she can not understand how to read a Claim Recap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom This XXXX Concern, Some time in the summer of XX/XX/XXXXmy checking account was compromised with Bank of America. I called BOA to let them know about the fraudulent activity they then closed my account and have now seem to have blacklisted me from doing business with them. I am the owner of a business, which does have a business bank account with BOA, but it is under my wifes name. In order for me to XXXX in my business and life in general, I need to have access to the account. I ljust dont understand how I was penalized when I reported the fraud as an honest individual should. I would like your assistance on getting this resolved.

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 2023-07-12
Company: EQUIFAX, 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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship i was not able to make those payments on time. The following account that shows late payment for XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic Shutdown I was effected financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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 have purchase an item that I have never received on XX/XX/20 XXXX XXXX DE {$950.00}. I still haven't received this order. The picture I have sent to you is a sample picture that my supplier sent me to check the quality of the product. This ordered were cancelled due to the poor quality of the sample. I need to get my money back because I have never received any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Velocity Portfolio Group
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Fraudulently opened but no one used the card Still the financial company charged {$290.00}

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 explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: VA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-13
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this bill is from ever source on this address XXXX XXXX XXXX XXXX ct .... I have a collection notice from XXXX XXXX XXXX XXXX XXXX, Ltd for XXXX bill is owed from XXXX to and today they says... but I sold this house on XXXX and the new owner showed me all the ever source bill on time ... number one is not my bill ... number two new owner paid already that bill .... this is account number XXXX ... but ever source still sending me two more account numbers on that address ... please check ever source electricity supplier... is killing customers credits for no reason... thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CITIBANK, N.A.
State: TX
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:
Purchased a {$580.00} laptop from XXXX on XXXX XX/XX/2020 due to Covid 19 work from home and purchase another one  from XXXX with cheaper price because of urgency and return this one. XXXX has refunded {$580.00} on XX/XX/2020 but citi bank never refunded the money to my credit card. Now citi is saying they are not able to help because it is too late. I have called citi and web chat numerous time and provided XXXX 's feedback properly but never received the money. Citi indicated they are not able to help and directly work with merchant XXXX. XXXX indicated that they are not able to send a check directly to me rather only can send to the original payment method. And XXXX also indicated that they have refunded to the original payment method which is citi credit card. Citi dispute team has never refunded the money. All the communications to XXXX and citi attached.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-09-20
Company: EQUIFAX, INC.
State: MO
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:
Subsequent to contacting each of the companies individually who have pulled a hard credit report and sending a copy of ny police report they refuse to remove hard inquires. 


Request you remove hard inquiries as I did not authorize them and I am a vitem of identity theft. This my third request Additionally I only lived at one address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX please remove all other addresses. 
My Business address is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Pleas correct my name to XXXX XXXX I HAVE NO OTHER NAMES PLEASE REMOVE ANY OTHERS REMOVE THESE HARD IQUIRES listed on report equifaxreport XXXX XX/XX/XXXX as they are id theft ; XX/XX/XXXX Company XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, TN XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX Date XX/XX/XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Company XXXX XXXX Address XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XX/XX/XXXX Company XXXX XXXXXXXX Address XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX XXXXXXXX Address XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX  XXXX Address XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX, Address XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date XX/XX/XXXX Company XXXX XXXXXXXX Address XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX Date XXXX XXXX, XXXX Company XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief