BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have been trying since XX/XX/2021 to dispute a XXXXXXXX XXXX account on my credit profile. after a breif removal it was placed back again on my credit profile with a different balance. original balance when i first disputed was about $ XXXX. now its over {$13000.00}. 

i have been trying to reach XXXXXXXX XXXX fraud department unsuccessfully. Even with my latest dispute with transunion I asked to have the merchant contact me at a number i provided. they have never tried yet kept allowing the card to make purchases knowing that I have disputed it almost a year ago. 

i was finally able to locate a phone number for the XXXXXXXX XXXX fraud dept. I called their card members and asked for that number and was given ( XXXX ). after holding for good 20 minutes i spoke with some very rude lady who was literally yelling at me and she said my claim needs to be handled by the card member services.. whene i told her i was transfered to her from their she ignored and sent me back to the que with about 30 minutes hold. 

i have never had an account with this company and they have not follow procedure when opening an account ( fraud alert on my profile ) and ignore all my disputes of the account being fraudulent and let it continue to add charges.. making my credit profile look very bad. 

i demand they remove this identity theft account pursuant to the Fair Credit Reporting Act Section 605B

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 2017-11-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXX/XX/XXXX, I noticed my account had no money left. I did n't understand why as there was over XXXX XXXX dollars the day before. I reviewed the activity and noticed several charges I never made. I called the bank, they refunded the money of the disputed charges, but yesterday, it happened again. Even though the debit card used to make these charges was cancelled. The bank has let these charges go through twice, and has never called me either time. The card is cancelled, and they still allow the charges to go through. They are not helping me, and I need help. I have no money because of this, I ca n't pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: MoneyLion Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Approx XX/XX/XXXX - debit card stolen I reported the following day cancelled card Was told they would review and investigate/ XXXX mos pass by of their staff not returning calls ; emails ; repeatedly have to re explain XXXX and XX/XX/XXXX filed. 

XXXX days later - spoke with ML rep who had me resign affidavit XX/XX/XXXX given provisional credit for the money taken from atm. I thought ML indicated they had my back but them with no response call etc XX/XX/XXXX Money was reversed and up to and past point no one from money lions called texted etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX is my favorite credit card. I worked hard to pay down my balance. Even during the government shutdown I managed to maintain payments. 

I noticed when I submitted a dispute regarding an delinquency. My account was closed. Ive worked hard to keep this account opened for an opportunity to increase my credit limit. Im very disappointed. As Ive been a great patronage and what like a reason for this action and an opportunity to redeem myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Bank of America credit card in XX/XX/XXXX that I did not authorize. 

When I received the new card, I thought it was a replacement card for my only credit card opened with them. I do not activate cards until I need them, so I placed the envelope with the card in my desk drawer. 

In XX/XX/XXXX, I received a letter from Bank of America stating that if I did not use my credit card it would be closed due to inactivity. Since I thought this was my original credit card, which holds my oldest line of credit, I went to pull it out of the desk to activate it. 

When I pulled it out, I also looked at the original card. I realized that the two cards did not have the same numbers and that the expiration date for my original card had not even passed. Bank of America opened a credit card in my name without my permission, expecting me to activate it and use it. 

There have not been any other cards opened in my name without my permission or other identity theft issues in my credit report. 

I have tried calling Bank of America three different times to resolve or help clarify how this card was opened. I have asked repeatedly for the information regarding the opening of this account ( what signature they did have, what social was used, what address was listed on the application, what ip address did this credit inquiry come from ). Instead, I am constantly redirected between Credit Card services and Fraud over the telephone. 

I traveled 10 hours to visit a brick and mortar Bank of America to see if they could help resolve this issue. Instead, they just dialed the customer service hotline from their landline and let me volley between Credit Card services and Fraud again. 

Nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
Multiple disputes with XXXX and XXXX regarding an account that is no longer held by the reporting Organization ( XXXX ). Account paid to a third party once discovered, XXXX XXXX XXXX. Submitted disputes with the receipt from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: CITIBANK, N.A.
State: WA
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:
I closed credit card account with Citi Bank but they charged me an interest rate and late fee along 3 months after. On XX/XX/XXXX I called Citi Bank to close my account ( my due date is XXXX of each month ). I choose to call to make sure that I paid all the interest charges associated with my card in full. I asked representative if I should expect any additional charges and representative responded that I paid the full amount and account is closed. 3 months later I received the phone call from Citi Bank notifying that I own {$120.00}. Apparently, Citi Bank charged my account an interest fee on XX/XX/XXXX and late fee of {$35.00} each month since then. I called Citi Bank and explained that on XX/XX/XXXX my account has been paid in full and closed but they insisted that I must made a payment to avoid additional late fee. I also informed them that I purposefully called in to make sure that I paid everything in full upon closing my account and representative told me that I should not expect any additional charges. Even though they acknowledged that they did a mistake by not informing me about interest fee that is going to be calculated only on XX/XX/XXXX, they rejected to retrieve a late fee. I agree to pay interest rate but it is a burden for me to pay all of their late fee charges that I believe to be unethical.

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 2021-09-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
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:
Please let me know what is this account, how it ends up on my credit report and where's the papers that I signed? If you can not provide you have to delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: UT
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:
Equifax XXXX XXXX is in violation of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax , Inc . 
1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 
2. Equifax XXXX XXXX chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full XXXX disclosures as I have requested more than once. 
3. Equifax XXXX XXXX has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. 

These are just stall tactics. I am being continuously damaged by Equifax XXXX XXXX and their violations of the Fair Credit Reporting Act. 

They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full XXXX disclosure in writing without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XX/XX/2021 hit my credit file on XXXX  6 times I been OPT out of financial and credit offers and opt out of all promotion offers. I have previous files every year i mail a letter and file OPT OUT. It seems a scam by XXXX XXXX XXXX that they would hit some one credit file 6 times on XX/XX/2021 with out there permission XXXX XXXX has all those address in different states

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$4900.00} XXXX XXXXXXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-03-08
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: Information belongs to someone else

Complaint:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of fraud on XX/XX/XXXX, I had my information stolen from me off my XXXX XXXX when I was at XXXX XXXX XXXX XXXX XXXX on XXXX. When I checked my bank account on XX/XX/XXXX, I saw that there fraudulent charges on my chase debit card and credit card. I called chase immediately and the charges were reversed on both cards, but a few weeks after chase determined that the fraud charges on my debit card were not fraud through their own independent investigation. I provided proof that I was at work on XX/XX/XXXX and there was no way that was me. They still stated this was not enough. They suggested I go try to get a warrant to get footage at the stores to see who it was making the purchases if it wasn't me. 

I have called multiple times to try to appeal my case and ask what else I can do. They just kept telling me once a claim is made and the investigation is final " it is impossible '' to reopen the claim. 

I am upset at how they have handled this and how much time I have spent trying to rectify this. All I keep getting told is that " there is no way they can duplicate a chip card '', but they refunded all my credit card fraud charges which is also a chip card, but got denied my debit card. I also get told that because the fraud happened in the city I lived in, it also was a factor in why they did not reverse the charges. 

The reference number for the claim is XXXX at Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a Citibank credit card canceled for no reason I have lost all my sky miles I had with Citibank it was over XXXX sky miles I had a accumulated made while with Citibank I was Chargeed a Macys credit card bill. XX/XX/2017. I have never received a Macys bill DSNB/MACYS this is incorrect in my credit was hurt Because of Macys credit card Citibank close my account for no reason XXXX  make all my bills have been paid All my mortgages and other credit cards I own are all paid I also have collection agency XXXX XXXX and XXXX XXXX MA XXXX This is a hospital bills from XXXX XXXX my insurance is paying this and when you call XXXX XXXX for billing nobody answers the phone and you can not do any business For doing Billing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions 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:
cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts

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 2017-11-07
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
My husband and I are victims of and had our rights violated after my husband ( who at the time was an XXXX XXXX service member ) received a XXXX $ auto loan from Navy Federal Credit Union ( which was his bank during his military service ) who then started harassing us a year after receiving the loan because we fell a month or two behind on payments. Navy Federal Credit Union began making false threats about debt collection against us, and made multiple threats to us stating " pay or be sued! '' Navy Federal wrongfully froze us out from our account all because we had a delinquent loan. Navy Federal Credit Union ruined our credit as they reported it to go on our credit reports and also added on a large amount of fraudulent fees to the delinquent loan which made our credit report appear very poor and it caused years of living of denial due to our negative credit rating thanks to XXXX XXXX. The overwhelming harassment and threats started in XXXX up until XXXX. We have our credit reports to prove this as well as a few other documents to prove we were violated by Navy Federal Credit Union. We believe we are owed money and were never properly notified due to recent moves and believe we are entitled to the settlement XXXX XXXX was ordered to pay out to customers violated. Please contact XXXX or XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. our address is XXXX XXXXXXXX XXXX, XXXX Ohio XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Well I have Auto Loans, Mortgage loans, credit cards, Home Equity, XXXX XXXX cards XXXX Bank of America, Retail cards.Social security, My Refunds. I can't call out or receive calls. Someone is Using My information. And I want it to Stop! Please Help .My number is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX 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 2022-03-08
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 noticed unauthorized inquiries on my credit report. Some one else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 


credit bureau name : TRANS UNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( they did a hard inquiry twice on this on only delete XXXX ) 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 2021-10-18
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: Information belongs to someone else

Complaint:
concerns by phone and mail are being ignored no verification

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 2022-03-08
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: Information belongs to someone else

Complaint:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I submitted a a dispute to Equifax I contacted XXXX XXXX XXXX agency by email and by mail several times in reference to my collections account listed on my credit report. I also contacted the original creditor in reference to the account ad my insurance company. I had a redetermination ran through my insurance company and the claim reprocessed I also had a my credit card set up after the claim was complete in order to ensure that the claim was paid. XXXX XXXX was informed this information as well as the original creditor My insurance company reprocessed the claim and then processed my health card for payment I informed the company they the reported the collections account as paid. This account should not have been in collections! This was a insurance issue needing to be handled in which it was handled by insurance, They still are reporting it when it was paid by insurance payment on XXXX. I have reach out the them several times to have this removed from my account. They do not respond, they don't send what is in the credit profile that they are reporting to the bureaus. The credit bureaus are claiming this account is verified after sending in the facts that this account is reporting they are not sending the information as well. This account is considered FRAUD I do not have a contract stating I owed them anything. They don't respond to nothing I send to them they ignore messages. How is this account verified and I don't have a contract with them? How can this be reporting and they aren't responding when I ask what documents they are sending or they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PayPal Credit Account Opened in my name. I have no knowledge whatsoever of this account. 

Reported to PayPal credit by phone a few months ago. Received letter stating that based on their investigation they were unable to validate my claim of fraud. 

Completed signed Affidavit of Fraud to PayPal Credit today.

Company response to consumer: Closed with explanation