BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
The Credit Bureaus have done NOTHING to correct the erroneous accounts on my Credit Report and continued reporting these accounts without proper verification. I am frustrated by the Credit Bureaus ' actions and negligence regarding this matter. They do not take this matter as serious as I am, in fact they seem to enjoy seeing a consumer having difficulties because of their ruthless negligence that resulted for my Credit File to be impacted negatively. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to correct these erroneous accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and continued reporting. I am tempted to pursue legal action against the Credit bureaus if they still continue this erroneous reporting without proper verification. This matter was already included in my prior COMPLAINT # XXXX, # XXXX, # XXXX, and I'm disputing these accounts once again : DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00}

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 2023-03-22
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a two Vanilla Gift Cards {$500.00} ( issued by XXXX and serviced by InComm ) on XXXX ( see attached " receipt1.pdf '' ). When removing the packaging for one, the terms and conditions booklet had been superglued to the card ( see " glue.jpg '' ), while the standard packaging has a movable goo. This is a clear indication that the card had been tampered with. I immediately registered the card online and set a custom pin. The next day, I tried to make a purchase with the card and it was declined after autodrained XXXX cent ( see attached " receipt2.pdf '' ). I paid the balance with another card and returned home to check what had happened. The online portal showed that a charge for {$490.00} was made the previous evening. It was listed as the having been at the same store that I had just make the purchase at, which is impossible because the gift card was in home in a locked drawer and I was present at all times. 

I returned to the store who said I had to file a dispute with the issuer. They made me wait 7 business days before filing the dispute in case the fraudulent charge " dropped off ''. When it didn't, I filed a dispute on XX/XX/XXXX  ( see attached " dispute.pdf '' ). After the full 90 days, I received a response denying my claim ( see attached " dispute_response.pdf '' ). Crucially, they claim that the card was physically present in the store when the fraudulent transaction occurred ( i.e. the XXXX charge ) but provided zero evidence. The card was not physically present when the fraudulent charge occurred -- it was in my possession at home for a short period between when I registered the card and when to the store the next day. It was only physically present in the store when the card was declined ( only XXXX cent was charged as that was the balance on the card ). 

I replied to InComm asking them to provide evidence to support their claim that the card was physically present in the store when the fraudulent charge was made ( see attached " dispute_reply.pdf '' ) They have not responded. It was now been ~3 months since I called InComm to report the fraud and I have still not received an adequate resolution. I did everything right : I immediately reported the issue to InComm and have called many times to ask for updates. After the full 90 days, InComm denied my claim without providing any evidence. I have been out of pocket for {$500.00} for over 3 months and have had to invest many hours of time trying to get access to my funds. This is very intentional behavior designed to make me ( and other customers ) give up and cut their losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: KY
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:
Several companies have tried to pull my report and I did not give them access to do so. I also have old accounts on my credit report that were closed and should should have been removed. XXXX XXXX, XXXX and XXXX XXXX XXXX are the only one I authorized to run my credit. I have disputed with all of the credit bureaus and nothing has been removed. I have sent letters and none of them can provide information verifying that these inquiries are mine. Yet they still remain in my report. I have also reached out to XXXX and they agreed to removed the {$130.00} from my credit report but it is still there, this was a part of my XXXX  bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: SYNCHRONY FINANCIAL
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:
I want the inquiries to be removed. I didnt authorize the companies to run a credit check the information is fraudulent.

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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 checked my credit report and i see alot of inquiry on my report i have no knowlege of at all i am a victim of idenity theft and it is noted on my credit credit and they are suppose to call before running my credit to make sure it is me and that has not happened Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
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:
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 2020-12-02
Company: CITIBANK, N.A.
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:
XX/XX/XXXX - two fraud transactions have been made on my account. Citi notified me and freeze the account. 
XX/XX/XXXX - I received my card replacement, however one of the fraud transactions still shows in my balance ( Home Depot - {$570.00} ). I notified customer service, and heard they are under investigation by fraud department. 
XXXX XXXX two weeks after the fraud transaction happened, the transaction still shows in my account. No notification or update regarding the investigation & next steps.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX, XXXX Account # 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 2021-04-06
Company: Experian Information Solutions 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:
My problem is that XXXX, XXXX and Experian have not comply with law and have not respond to any of my disputes. Its been over 30 days, literally months and no response! I need you guys ( CFPB ) to step in and take actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IL
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 consumer right has been violated according to 15 us code 1681 .... inaccurate information is listed on my report which should be deleted immediately...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.

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 2018-10-03
Company: SYNCHRONY FINANCIAL
State: CA
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:
SYNCB/CARE Credit ( XX/XX/2014 ) for the amount of {$400.00}. Show on my credit report that I have a joint account that has been open in my name and XXXX XXXX. I have attempted several time to inform SYNCB/CARE that this is not my account and I have " never '' opened this account with XXXX XXXX. I informed them my signature was never on this account for approval and if my name is on the account someone else had signed it for me. I have ask them to send me a copy of the documentation showing were I signed, but as of today they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX XXXX : {$200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$200.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00} "

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 2021-09-09
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IL
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 consumer right has been violated according to 15 us code 1681 inaccurate information is listed on my report which should be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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 sent a letter on XX/XX/XXXX to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$48000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/XXXX I opened my online banking app with Bank of America upon opening the app i was immediately kicked out with a message that security had closed my account when i called Bank of America i was told my account was closed due to a business decision and was given no other information i had 3 deposits from lost wage program pandemic and employment that was deposited into one of my checking account at that time i asked about withdrawing that money as that was exempt money i was told that i would not be allowed to withdraw it and i would be melded check in 7 to 10 days business days if the funds were not allocated for overdrafts these or other charges i called again to Bank of America and was told by 2 different agents that i could go down and retrieve my funds at XXXX XXXX. in the morning to with draw. When i called to verify that i would be able to do this i was told once again i would not be able to access the funds nor would they be able to give me any information on the XXXX or the closure of the account. This is the only way I have to pay my bills I am on pandemic unemployment which is being taken by Bank of America and not return to me I'm getting addicted losing my car and I'm not able to get my medication out at the pharmacy all I want is a resolution I want my {$910.00} which is the amount that was deposited from the lost wage program and pandemic unemployment. This caused my line of credits, store credits, XXXX, XXXX returns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Medical XXXX Balance : {$180.00}

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 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion repeatedly continues to report innacurute employer ( XXXX XXXX ) on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through XXXX, I immediately disputed that fraudulent inquiry with XXXX and a few days later with XXXX XXXX XXXX as well. I believe that on the XXXX or XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help 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 2023-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a complaint to the Consumer Financial Protection Bureau for discriminatory harassment against Chase representatives and private client banker XXXX XXXX, XXXX XXXX and XXXX XXXX. This is not a duplicate complaint and should be treated as a separate complaint. This is a discrimination and harassment complaint against Chase and XXXX XXXX private client banker, XXXX XXXX and XXXX XXXX. I was pursued by XXXX XXXX and XXXX XXXX they would access my accounts and create forced unprofessional connections with me. XXXX XXXX would encourage me to develop mental, emotional and physical connections, with XXXX XXXX although I didnt want to and because I didnt want to create connections with XXXX XXXX they both discriminated against me as a woman and had my account closed. When I left the branch XXXX XXXX private client banker, XXXX XXXX and XXXX XXXX would access my accounts and leave notations that werent true although I did not speak to them. Chase would encourage and support discriminatory and inappropriate behaviors from XXXX XXXX and XXXX XXXX towards me as a woman. Chase employees would force inappropriate mental, emotional and physical connections, cross my personal boundaries and leave notations that were not true violating consumer financial bureau regulations. Chase claims my account was closed for excessive deposits which is not true. I have not had previous accounts with Chase and I am requesting that Chase provide documentation showing that I had excessive deposits. I did not have excessive deposits I have never had accounts with Chase. I am requesting that Chase reopen and grant me access to my accounts immediately. I have refunds that were sent to the account. I would like my refunds of XXXX, XXXX, XXXX, and XXXX. I would like to know when I will receive my refunds.

Company response to consumer: Closed with monetary relief