BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

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 2020-12-17
Company: EQUIFAX, INC.
State: TN
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:
Equifax andXX/XX/XXXX should not be reporting me as an authorized user on the XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
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: Account information incorrect

Complaint:
Since letters dated XXXX XXXX ( signed for certified mail XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) I 've made multiple attempts to correct errors on my credit report to include 1 ) correction of name and address on my report as XXXX XXXX XXXX. I provided a copy of my Drivers License, a copy of my SS Card, a Utility Bill, but Experian has failed to make the name correction. There are variations of names listed on my credit report that Experian refuses to remove as they are not my legal name nor do I receive any bills or mailings under those names. 2 ) During the months of XXXX and XXXX I sent certified letters again XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian in regards to unverified accounts ( which was submitted in the XXXX letters ) with incorrect account information reflecting on my report. I ask for Method of verification not consenting to any means of automated verification. I asked for the name, address, and telephone number of each person contacted regarding the accounts reported on my credit report which was during a reinvestigation period with Experian and yet again Experian has failed to provide such information and failed to make the necessary corrections. Repeatedly Experian has and are now liable for willful non-compliance and have violated the Fair Credit Reporting Act. I have ask that the misleading information be deleted and a corrected credit profile is provided. 3 ) I have placed a freeze on my Experian report dated XXXX/XXXX/XXXX because of Experian 's repeated willful non-compliance to name correction and providing method of verification of incorrect data on my file I want to ensure as well that no information on my report has been released without my authorization. Experian is now beyond 90 days to make the necessary corrections since the first two letters signed for on XXXX/XXXX/XXXX which is proof they are willfully non-compliant to properly make corrections according the Fair Credit Reporting Act.

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 2021-09-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: U.S. BANCORP
State: NV
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:
3 fraudant charges on my US Bank credit card. All posted on XX/XX/XXXX in the amounts of {$99.00}, XXXX, and XXXX. The charges stemmed from a 2 different XXXX gas stations, that we do not even patronize. 

A call was made to US Bank on XX/XX/XXXX to report the fraud. I was told a claim was made and that it would be taken care of. 

After 2 weeks, no communication has been received from the bank regarding the claim. The charges were still posted to my account. I called and spoke to a supervisor, and was told : 1st, that the claim had been researched and denied. Than transferred to a supervior that said she would resolve the issue, making sure the account was credited back for the charges. 

Now 4 weeks later, I called again to see what the problem was with crediting the account. Spoke to another supervisor and was again assured that I was not responsible for any fraud on my account and that he would make sure it did not " fall thru the cracks '' again. 

It has now been a month since the charges were placed on my account and I still have not been credited back for those charges.

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 2018-03-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
On XX/XX/17, I used my Santander debit card at the XXXX XXXX for {$100.00} to purchase a shower head and received the following text, Free text : Santander Fraud. Did you use your card ending XXXX for {$100.00} at XXXX XXXX XXXX XXXX on XX/XX/2017? If YES, reply 1, NO reply 2. 

I replied 1 and then receive the follow up text, Free text : Thank you, we received your response. The transaction was declined. If you want to make the purchase, have the merchant reprocess the transaction. 

I returned to the merchant, showed them the text and the merchant re-processsed the transaction. When I received my monthly statement, {$100.00} was charged twice. 

I spoke to the vendor and explained the situation and she said she would not contest the claim if Santander re-issued the chargeback but Santander sent a a letter to me stating the claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 called Bank Of America because I went to XXXX and they had told me the charge didn't go through and my charge still went through. I called / went to XXXX XXXX XXXX  and they couldn't help me. I called and filed a chargeback through Bank Of America over this situation and they got back to me with a denied chargeback. I then sent in much more documentation with a clear explanation of what happened and a signed letter in time for them to continue my dispute. It got denied a secondary time with Bank Of America after I sent them those documents because they claim I need a credit receipt. I spoke with XXXX   and they told me that it didn't matter if it was face to face or online, the merchant must say something like all sales are final. This merchant told me after the fact that all sales were final on alcohol and they couldn't take it back. This was never disclosed and the merchant failed to prove it was disclosed. As per XXXX   chargeback guidelines, " The merchant failed to disclose its refund policy at the time of the transaction and is unwilling to accept a return or cancellation of goods or services ''. Which this is true and Proof of an improperly disclosed in-store receipt. Bank Of America has the improperly disclosed receipt in their posession and it is clearly not signed either. All merchants make you sign for transactions over 100 dollars in person. The XXXX guideline also reads " Merchants that are unwilling to accept buyers remorse returns and cancellations or that want to have special terms including ( but not limited to ) restocking fees or in-store credits, must disclose these terms at the time of the transaction. The cardholder must be informed of the refund policy prior to completion of the transaction at the point of interaction. Failure to disclose a refund policy will result in the merchants requirement to accept the goods for return and issue a credit '' This is also true,

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 2018-04-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Ace Cash Express Located at XXXX XXXX XXXX XXXX  Washington DC XXXX needs to be investigated by the Local Police Departments or the Federal Trade Commission in Washington D.C. because some of the Employees that work for Ace Cash Express is Charging Customers XXXX Dollars or more money to Load Money on there XXXX XXXX  XXXX XXXX Visa Debit Card the real fee for Loading this XXXX XXXX Visa Debit Card is XXXX Dollars but when Customers Load Money on there Visa Debit cards at other Locations in the Washington  DC area the cost is XXXX dollars to Load some money on your visa debit card the same thing might be happening at other Locations besides XXXX XXXX XXXX XXXX Washington DC XXXX and other Criminal Activities at other Locations but Ace Cash Express needs to be investigated by Local Authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: LEXISNEXIS
State: CT
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 am in disagreement with the items listed below which still appear on my lexis nexis credit report. I would like these items immediately deleted. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. i have also attached screenshot evidence which highlights all the records that need to be deleted immediately. in addition i have attached my complete lexis nexis credit report which was sent to me. ( SECTION 2 : Address Characteristic Record ; RECORD 1, RECORD 2, RECORD 3, RECORD 5, RECORD 6, RECORD 7, RECORDS 8, RECORD 9, RECORDS 10, RECORDS 11, RECORD 14, RECORD 15, RECORD 16, RECORD 18, RECORD 19, RECORD 21, RECORD 22, RECORD 23, RECORD 24, RECORD 25, RECORD 26, RECORD 27, RECORD 28, RECORD 29, RECORD 30, RECORD 31, RECORD 32, RECORD 33, RECORD 35, )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing this notice regarding a 30-day late payment that Chase Bank is reporting on my XXXX XXXX  and XXXX  credit report for the month ofXX/XX/XXXXXX/XX/XXXX. This is truly sad that I must use the services of CFPB to assist me with with an issue that I am having with Chase Bank, however after speaking with them numerous times, and written them they are not truly understanding the real story of my dispute. OnXX/XX/XXXXXX/XX/XXXX my mother lost her house due to the California Wildfires that occurred throughout the months of XX/XX/XXXX throughXX/XX/XXXX throughout the entire State of California.

I live 50 miles XXXX of the City of XXXX XXXX and had to drop everything I was doing to comfort my mother as she witnessed her house that she lived in for the past 37 years burn to the ground. I have no siblings and lost my father at the age of XXXX.

If you could only imagine dropping all your responsibilities to be with your loved ones in the time of absolute need and forgetting about everything as reality stares you in the face.

At the time of consoling my mother I did not think for a moment about my finances, employment, my wellbeing. The only thing that was important was my mother, her health and all her lost possessions completely destroyed in the fire. I stayed in the XXXX XXXX XXXX XXXX for a week forecasting the future for my mother, her displacement, medical needs and everything else an XXXX year old XXXX mother must due on day to day basis.

When I had learned about the 30 day late payment that Chase was reporting to the credit bureaus I panicked and immediately phoned and wrote them the attached letter which to this day they still have not responded to. The representative I spoke with could care less about my personal situation, my mother or even the wildfires that distroyed hundreds of homes. The representative went on to tell me Chase Bank is following the law and if I had automatic monthly payment set up this would not have happened.

I have worked extremely hard to maintain an excellent FICO credit score, I work hard and take care of all my responsibilities and live a normal life. I am shocked and appalled that Chase Bank is taking this position to report the 30-day late payment which is now costing my several thousands of dollars in interest as I attempt to purchase my first home and the lender will not give me the interest rate that was agreed to prior to the 30-day late payment being reported.

I am happy to say my mother survived the fires, however she is scarred for life of all the wonderful memories she had living in her house. She is now residing in an XXXX XXXX XXXX and will remain there as there is no need for her to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
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:
There is a collections item listed on my Equifax Credit report from XXXX XXXX XXXX, XXXX that was listed XX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both Equifax and XXXX XXXX XXXX asking for Validation of the debt. The confirmation number for the dispute for Equifax is XXXX. I received a letter in the mail from Equifax dated XX/XX/XXXX stating the debt was verified as belonging to me. I called XXXX XXXX XXXX at XXXX. The representative from XXXX XXXX XXXX stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX  '' for a request of validation and has not yet received a response. I called Equifax Customer Service and spoke with a supervisor named XXXX who refused to give me her initial of her last name who stated that XXXX XXXX XXXX responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised XXXX that I called XXXX and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that Equifax is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called XXXX XXXX several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today I called Transunion credit dispute number to dispute negative information in my credit report. They picked up after 1 hour then proceeded to transfer the call where they kept me on hold for 2 hours until they got off of work and never assisted me with my dispute at all. 
This is the 2nd time this was done to me. I am being ignored and not helped at all.

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 2020-05-07
Company: ALLY FINANCIAL INC.
State: WA
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 went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it

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 2020-05-07
Company: Exeter Finance Corp.
State: WA
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 went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CITIBANK, N.A.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX credit card with Citibank is reporting me as negligent and default in payment as a authorize user which I did not consent to. Now XXXX   has deducted approximately 10 points off my credit profile. I called XXXX customers service. I have requested that XXXX be deleted from my credit reports ie XXXX.XXXX and 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