BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: DE
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents 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 explanation
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XXXX I found out that my unemployment benefits were being cashed by a roommate She helped me file my claim and I got a denial letter from XXXX and I thought my claim was denied. Wasn't the case. She cashed out over XXXX k of my money. The bank closed my account took five months to open back up and paid me only XXXX of the XXXX that was stolen.thr bank has denied my claim again and you're my last resort.

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 2022-10-19
Company: BARCLAYS BANK DELAWARE
State: OH
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:
I mailed a personal check to Barklays bank as a credit card payment. They are denying receipt of my check despite it being cancelled by them and received by my bank. The check reverse even has their cancellation/cashing stamp. Ive texted copies to no avail. Check XXXX  XXXX {$4000.00} from XXXX XXXX. Cashed on 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 monetary relief
Consumer complaint received 2023-07-04
Company: Synergetic Communication Inc
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXXXXXX XXXX XXXX I decided to go back to school and I was contacted by a recruiter from XXXX XXXX XXXX  about attending their University and take online classes. I had just lost my job and was under a lot of stress about loosing my home and my vehicle. I was called everyday by the recruiter pressuring me to enroll in their school. I had no idea how online classes worked and had not been in school for 20 years. I was a single parent and I was hoping that with the financial aid I could pay for my housing until I was able to get another job. Well they enrolled me in their school and did not show me how the online campus work so I was completely lost and when I tried to reach out to the recruiter who I had been speaking with for weeks I was never able to get back in touch with her and the number that I had been using to contact her was no longer accessable. I then was told by someone in the financial aid department that I was awarded financial aid for the semester and I never attended any classes. I immediately contacted the loan service provider XXXX and let them know that I had been pressured into signing up for this school and I never attended any classes and I also had withdrew from the University. The student loan was sent back to the government and now I'm receiving a letter from a debt collector saying that I owe {$1800.00}. I don't know how that works but I'm not financially able to pay for schooling that I never attended and I felt scammed after it was all said and done. I hope that I have given enough information so that this matter can be resolved and in case it happens to someone else. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 on XX/XX/2023 i lost my wallet thats its showing hard Inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$5100.00} ; XXXX XXXX XXXX  XXXX XXXX .... Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX  XXXX XXXX. Balance : {$1900.00} ; XXXX  XXXX XXXX .... Balance : {$410.00} ; XXXX  XXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I was checking my emails on the morning of XX/XX/2021 I found that I had received an email from Regions Bank notifying me of overdraft fees. I immediately checked my online banking and found that my account was not in the red until they charged the overdraft fees on XXXX XXXX of {$72.00}. I called the Regions Green line when they opened and spoke with a customer service rep and supposedly a manager. They informed me my account actually went into the red on Friday XX/XX/2021 with two charges from XXXX. They acknowledged that shortly after the charges from XXXX showed as pending I did make a transfer of funds from my savings and also did a mobile deposit. According to my records from my online banking on the night of XX/XX/2021 prior to their overdraft fee I had {$10.00} available. At the time of the transactions they say overdrafted my account I had {$170.00} prior and {$140.00} after the second transaction. As the two ladies I spoke with called out transactions they were not even in the same order as they are in my online banking and the numbers were all messed up. They claimed they gave me credit for the transfers and deposit yet they still charged me two NSF fees of {$36.00} for a total of {$72.00}. I have had many times my account would show overdrawn briefly in the pending status but while still pending I would do transfer or deposit to cover and it has always been accepted and not charged as an NSF until now. Then only solution either persons I spoke with offered me was to just opt out of the overdraft protection and kept insisting that even though their records do not align with mobile banking they were still correct. They both kept telling me that as I use my card money comes out of my account as if I am a complete 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-04-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX. I opened a Chase Total Checking Bank Account in the state of XXXX Illinois however I closed my account at a J.P. Morgan Chase Bank located in another state at address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This is the Account Number XXXX. My online account username is XXXX. I also have attached the last bank statement issued which includes the date in which the account had been closed XX/XX/2022 in addition to each transaction starting from XX/XX/2022. According to the creditors and the XXXX XXXX XXXXXXXX XXXX XXXX there are five charges and transactions totaling an amount {$3400.00} in which the creditors sought to recover through the XXXX XXXX XXXX I have attached my most the last issued bank account statement as proof that the account closure happened while there weren't any pending transactions, with a positive balance and in excess of the money in which the creditors claim that XXXX had been owed. 
I have received five emails from the following source XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX regarding an Original Creditor named XXXX XXXX in addition to a different creditor named XXXX XXXX XXXX  . 

These charges and transactions brought against XXXX XXXX are through no fault of his own as this account was closed without any pending transactions. There is a misrepresentation of facts and charges which is unconstitutional to the account holder, XXXX XXXX. XXXX online banking withdrawals take 3-5 business days to process. Visit URL : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 purchase a XXXX XXXX back during the Holidays XX/XX/XXXX. The TV was scheduled to arrive XXXX XXXX. During the Holidays there was a large volume of packages delivered to my apartment complex between XXXX and USPS. I came home to a package I assumed was mine. When I open the package it was the wrong product. They delivered someone else 's package to my door. Therefore, my package was missing. I returned the wrong item to the person who came to claim her package. I was on the search for mine. I called XXXX and told them the update. Nobody at XXXX seem to be helpful. Even when calling them back with updates of my package not being delievered to my door. Neighbors told me they seen a large package between 2 units. Thats all i could find out. I sent XXXX a clear email of the situation ( UPDATE ). They seem to not understand XXXX. Therefore i open a dispute with my capital one for package never received. They closed my dispute for no logical sense. I reopende the dispute today XX/XX/XXXX. My money needs to be return or i will be taking further actions against XXXX and capital one. XXXX is responsible for their deliveries. They used XXXX as the shipper since they were overwhelmed with delivering packages. The usps is the worst at delivering packages in my area already. I need my money back now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a few fraudulent accounts open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the 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 explanation
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
State: KS
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:
This is regarding billing dispute number XXXX. 

On XX/XX/2019, our XXXX XXXX tech support package renewed for {$100.00}. 
Previously, we had been to Best Buy and were told all protection plans were converted to the Total Protection Plan. This covers all electronics in the house and a {$49.00} service fee for in-home visits. 

On XXXX, we called to make a service appointment for our XXXX  XXXX. We were told at this point the package had not converted and we owed another {$210.00}. They stated they would refund the {$100.00} to the account. As soon as the purchase came through the account, I disputed the prior charge on XXXX. 

I filed a prior XXXX  against Best Buy complaining about the price difference being snuck up on us at the last minute and asked Best Buy to stand behind what was told at the store level, giving a refund difference for this year. XXXX with the XXXX  's office refused. You can reference the XXXX  if you go to Best Buy 's headquarters. 

It appears Best Buy 's credit came through on the same day of my dispute, presumably after I filed it. Best Buy ran the refunds as two separate amounts : {$32.00} and {$76.00}. Best Buy finally stated it was refunded this way due to breaking it into XXXX and Tech support renewal. I confirmed this when looking at my Citibank letter as well. 

On XXXX, Best Buy issued a response to Citibank that stated they had no record of my cancellation even though the account was clearly refunded on XXXX. Citibank probably caught the way it was broken up by the breakdown amounts. Then, there is a note further down that doesnt display a date next to it where Best Buy acknowledges the refund. 

On XXXX, Citibank issued a letter to me stating the dispute was resolved. 

I have filed another XXXX  report against Best Buy for numerous reasons, including recent problems with their XXXX XXXX as well as listing that I never asked approached them for a refund. Clearly, they should have investigated this on their end properly. 

My concern is if Citibank has flagged this dispute as mispresented. In the dispute summary online, it still reflects the dispute as open and pending investigation. I e-mailed this problem to billing disputes on XXXX ( only that it still shows open ). I also attached a copy of the dispute summary. I still have not heard back on the problem.

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 2023-02-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries do not belong to me. I have made several phone calls and sent dispute letters with no resolution. These inquiries are impacting me financially and I and requesting the following be removed and deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Credit inquiries on your report that you don't recognize

Complaint:
This is not a duplicate complaint and I'm not using any third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XX/XX/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 Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these inquires from my report immediately, they are fraud items.

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is not mine but is reflecting on my credit reports. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$100.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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