BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
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 of 2020 I filed an unemployment claim I never received my prepaid card and my benefits were stolen all my correct information on XXXX XXXX was changed and all my benefits were used I had no knowledge a card was even issued or that I was even approved to receive my benefits. After waiting and waiting for my award letter for months and moths I called unemployment daily couldn't get through finally when I did they told me my claim was approved in XX/XX/2020 and benefits had been issued to BOFA ( BANK OF AMERICA ) to call them and request a new card check my balance or any other needs they can assist me. After calling bank of america I was told my balance was XXXX that not one but two cards were issued to me at a unknown address and my balance was XXXX. We did a claim for all those transactions I made police report and provided that to bank along with copies of my ID I HAVE PROVIDED BANK WITH EVERYTHING AND ANYTHING THEY ASK FOR THEY KEEP CLOSING MY CLAIM SAYING THERE WAS NO ERROR THAT TRANSACTION HISTORY ARE THE SAME WHEN I NEVER HAD A CARD OR MADE TRANSACTIONS THEY REOPENED MY CLAIM SEVERAL TIMES CLOSED IT SEVERAL TIMES ITS CURRENTLY REOPENED AND PENDING INVESTIGATION. ITS BEEN WELL OVER A YEAR AND THE BANK WILL NOT COMPLETE MY CLAIM OR ISSUE PROVISIONAL CREDIT IVE FILED COMPLAINTS HARDSHIPS ESCALATIONS EVERY AGENT TELLS ME DIFFERENT REASONS OF WHY THEY CANT ISSUE MY PROVISIONAL CREDIT AND THAT THEY HAVE 45 DAYS TO COMPLETE MY CLAIM AND STILL FAILED TO DO SO. {$11000.00} WAS STOLEN FROM THE CARD THAT BOFA ISSUED AND THATS MONEY I WORKED HARD FOR AND THE BANK IS TRYING TO KEEP THAT MONEY FROM ME EVEN AFTER IVE GIVEN THEM EVERYTHING THEY ASKED FOR TO HELP THEM WITH MY CLAIM. I DONT KNOW WHAT TO DO ANYMORE TO GET MY MONEY BACK.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I file 2 disputes with transunion they refuse to verify items on my credit report that is not reporting accurate which is preventing me from getting a home

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 2019-04-03
Company: Synter Resource Group, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synter Resource Group XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX x XXXX These people call us on cell and home phone at least 5 times a day. XXXX has hired them to contact accounts that are in arrears. I've spoken to XXXX regarding this matter and referred them to my XXXX Platinum card on file with them so the invoices are always paid in full. Apparently, this is not working. 
These tactics don't work in the business community. We will be using XXXX from now on. 

XXXX XXXX-CEO XXXX XXXX XXXX XXXX XXXX XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I contacted Diversified regarding an account listed on my credit file in the amount of XXXX rounded off to XXXX on my credit report. Diversified responded by representative XXXX XXXX with a response that was not related to the account I was complaining about. There seem to be a misunderstanding on what account is being complained about. Please remove Diversified Consultants in the amount of XXXX from my credit file. This account is a result of identity theft. I have never had any dealing with Diversified Consultants nor the company XXXX in which you represent. I have never received a notification or validation from Diversified that this debt was owed or that it will be reported o my credit file. I wasn't made aware of this fraudulent debt until I check my credit file. I will also attach what was sent to me so the CFPB can see that they responded with something that was not in question to them. There is no contract bearing my signature nor any legal proof that I have any obligations to you. The alleged account is a result of identity theft and should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX XXXX : {$29000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Bread Financial Holdings, Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these inquiries i am unfamiliar with because i never used my credit to apply for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identity theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

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 2019-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2019 Experian Issues unable to Resolve or Contact anyone. 

For the past 2.5 weeks beginning on XX/XX/2019 I have made multiple attempts. 
Online 7 times and 3 times by phone. Got nowhere but blown off and confused. 
I am attempting to unfreeze my Experian report for 24-48 hours to allow XXXX XXXX XXXX XXXX to complete their ( XXXX XXXX 's ) profile on me so that I can join and open account. Froze Experian " account '' because of their recent breach. Enough already. I go online and am denied access given form letter to print out requesting PIN. 
That was 14 days ago so I go back on Experian site figuring they must have figured this out by now. Was asked online to choose a PIN I choose PIN Experian accepts my choice. And low and behold it does not work error message is " Invalid PIN # ). I go to XXXX XXXX XXXX XXXX with the PIN # asked if they could assist me they tried to enter my PIN in my presence with my permission. Error Message same. I called your agency got phone number for Experian XXXX correct #. Asks ton of ID questions you have to leave voice message and NO ONE calls back. This is nuts it my Credit Report based upon my history. Experian owns the data can I disenroll from Experian or bill Experian for sharing my info. with the world everyone except me?? 
What recourse do I have? Please help me I just want to open a Credit Union Account this is horrible customer service ( actually 0 customer service ) and 100 % big business info. sharing benefiting everyone but me. Experian also said in Robovoice on my 3rd call that its notifying the other 2 reporting bureaus XXXX and XXXX  of fraud and will put a 6 month alert on those also. I didn't ask for that? Then 2 other of my accounts XXXX and 1 financial institution detects this Experian Fraud Alert and contact me telling me to change my User Name and Password because its blocked. Hows that for a kick in the _ _ _. I don't know whether to cry or scream. Please help.

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 2017-12-18
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
You have refused to answer any of the questions. The letter that you received from my wife was from a nasty divorce. Even in the letter which has been subpoenaed from XXXX it admits that her son made the charges. This is against the American Ex press terms. Only people on the card can use it. So everything youve listed isnt correct. 

1. This was fraud. You have not shown me any receipt s that indicate its not fraud.

2. The letter was a year after the case was closed. I was refunded the fraud which you investigated yourself. 

3. I have not made any charges since XXXX 2016. 
4. My wife and I are going through a nasty divorce and she collected half of the refund for the fraud. Knowing the card account is in my name why else would she do this a year later. 
5. Show me proof of all the receipts and signatures. 

6. Youve not answered one question Ive asked from you when this was submitted. 
7. The numbers are all wrong. I was refunded XXXX. You said I owed XXXX and now its XXXX. 

8. My lawyer has subpoenaed the documentation and youre leav8ng me with no choice but to sue for damages. 

9. Respond to one question. FTC clearly states you have 2 billing cycles or 90 days. Answer how this was handled within that time period. 

I want your response to be give to a supervisor because Im XXXX and on the phone you threatened me to ruin my credit if I didnt pay. I fall under the Americans with XXXX act and you know that and thats why youre doing this to me. 



My requested resolutions are as follows -- 1 ) In accordance with the FTC, you have two billing cycles or ninety days, whichever comes sooner, to remove the fraud from my account ending XXXX. You did this and then you turned around nearly a year later and charge me back for a supposedly RESOLVED case because of a letter from my soon to be ex-wife stating now that the charges were valid all because I believe it is due to a nasty divorce situation. 
2 ) I want my account resolved to a {$0.00} balance 3 ) I want the credit reporting agencies that you reported negative information to, to be CORRECTED stating there is no debt on my account and that there is a {$0.00} balance, and have paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like these inquiries removed fromm my credit report. I have no knowledge of them and I know I did not approve or request. I don't recognize them at all, can you please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: PA
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:
There is a multiple inquiries on both my XXXX and Equifax reports that I did not authorize them to look or run my credit. Please update and remove these inquiries from my reports. I have attached a fraud report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX      XXXX   and Experian will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit

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 2023-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio recovery associates have sued and threatened me via phone numerous times over small credit card debt ( sued over 5+ times over a {$3000.00} credit card debt ) have had many harassing attempts to serve me by knocking at my door at all times of day and making threatening remarks through the door. This is most horrific experience I went through. The credit card debt they purchased was due to medical issues I had back in XXXX they have no empathy and are relentless. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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 investigate the unverifiable items and update them immediately in my report : 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 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 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 2023-06-16
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These are old accounts I've been XXXX  for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX    XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer 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 2020-07-22
Company: CITIBANK, N.A.
State: MN
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: Problem with personal statement of dispute

Complaint:
Since XXXX of XXXX I have made numerous attempts to work out a resolution with Citibank. I even had an attorney assist me. Citibank refused to answer phone calls, return messages, respond to emails or mail correspondence. As a result I have a negative debt on my credit rating and had to pay an additional {$600.00} damage deposit to get into a new apartment. I fully intend to resolve this debt, but can not get Citibank to work with me. Now, in spite of a XXXX credit score I am being denied access to housing without having to pay an additional damage deposit. If Citibank had worked with me in XXXX, XXXX, this would not be the case. Our last attempt to reach out to them was in XXXX, XXXX. Thank you for your time.

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 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 just Received notification from a new service that i set Up with Transunion to notify me or if my credit report is requested. I logged In today and discovered inquiries including two that were recently made ( one as early as today ) against my consent and will. I have rtrequested that Transunion investigate and or delete these unauthorized inquiries as i did Not authorize them neither have i consented in any way for this offer fro credit. 

XXXXXX/XX/XXXX ( spoke with XXXX in fraud resolutions who verified this is an error on XXXX part ) XXXX XX/XX/XXXX ( spoke with XXXX is Credit resolutions who stated a request would be submitted to delete ) XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation