BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
R.S. CLARK AND ASSOCIATES INSTALLMENT Review Response XX/XX/XXXX I have had several letter requesting proof of the original debt sent to my attorney with XXXX XXXX nothing was received. I advised I had a attorney do not call and they called anyway. I went with another party since they did not respond.I advised I was invoked my rights with the Fair Credit Law. This info has been disputed with the company several times and they are refusing to comply with all request. I am asking that the phone call stop, the item is removed for my credit report showing in collections and this is been going on since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft. 
On XX/XX/XXXX someone fraudulently used my Barclays XXXX XXXX credit card to purchase an item from XXXX, in the amount of {$1400.00}. BARCLAYS did not tag this as fraud. 
XX/XX/XXXX I first became aware of this purchase when Barclay contacted me regarding a charge of {$.00} on my account which I told them was fraud. At that time we reviewed all other charges on my account and that is when I became aware of the fraudulent charge from XXXX  of {$1400.00}. At that time BARCLAYS removed the charge on my account and marked it as fraud. 
I DID NOT PURCHASE THIS ITEM AND I DID NOT RECEIVE THIS ITEM. 
XX/XX/XXXX BARCLAY called me and told me the merchant, XXXX provided them evidence that I had made the purchase and that I signed for it when it was picked up from XXXX on XX/XX/XXXX. 
BARCLAY put the charge back on my credit card. 
I contacted XXXX and received a copy of their Invoice which has my name, address, phone number and email. Whoever purchased the item had it shipped to my HOME. XXXX attempted to deliver it on XX/XX/XXXX however it required a signature and there was no one home. on XX/XX/XXXX the package was picked up from XXXX XXXX, CA location and signed by XXXX XXXX. I WAS UNAWARE OF THE ATTEMPTED DELIVERY AND DID NOT GIVE XXXX XXXX PERMISSION TO PICK UP THE ITEM. I DID NOT ORDER THIS ITEM OR RECEIVE THIS ITEM. 
I WAS OUT OF TOWN IN FLORIDA FROM XX/XX/XXXX - XX/XX/XXXX. I WAS UNAWARE THAT XXXX ATTEMPTED A DELIVERY. 
I have provided BARCLAYS documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am a victim of identity theft and that I was out of town when XXXX attempted to deliver the item and when it was picked up. I have reported this to the Police, Federal Trade Commission and filed a claim with XXXX. BARCLAY is still refusing to remove this charge from my credit card. The last time I spoke with them they told me that I have a daughter, XXXX XXXX, who resides with me, and XXXX picked up the item. I have provided documentation to BARCLAYS that my daughter has not lived with me for many years and that she was in Florida with me while XXXX attempted to deliver the item and was picked up at XXXX. XXXX is unable to provide me a copy of the ID XXXX presented when it was picked up and unable to provide me a copy of the signature when it was picked up. XXXX refuses to issue a credit for this charge and has told me I must work this out with BARCLAYS 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 2023-01-04
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:
This account is not my account and Have been trying to dispute it to get it off my credit report and they have yet to fix it. There is a balance on there that is certainly not mine, there is no accurate account number to dispute and I have never been to this place. 

XXXX XXXX XXXX XXXX for XXXXXXXX XXXX  Incomplete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting since - XX/XX/XXXX Last report - XX/XX/XXXX in the amount of - {$120.00} Company contact info - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
XX/XX/21, I received a TD Bank debit card in mail. I know I did not apply for one. Several months ago, I identified a claim for NJ Unemployment benefits opened in my name ; so this may stem from that. I called TD bank who stated there already was a block on the card so no one can use it, and my complaint that this account was opened fraudulently may speed up their investigation. i was told the card can not be used and my the account opened in my name was notated of the possible fraud. TD bank directed me to contact the FTC regarding this breech.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I 'm been trying to refinance my mortgage since XX/XX/XXXX now that they got this Harp programI still ca n't refinance due to my second mortgage I fill bankruptcy XX/XX/XXXX this mortgageGot discharge but I 'm still paying for XXXX mortgage and XXXX have a lien on property how can I get this lien off to get approve for refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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: Problem with personal statement of dispute

Complaint:
there is still a fraudulent account listed on my credit report. I have disputed this information numerous times and yet this fraudulent account still remains on my credit report. I have submitted the FTC and all supporting documents. This is not fair to me that fraudulent information in on my 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 2020-07-13
Company: OLD NATIONAL BANCORP
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a checking customer of this bank since the mid XXXX  '' s. I opened a savings account 2 or 3 years ago. when i opened this account i had asked that they ensure i would be able to make withdrawals via my atm card and that they send me deposit tickets. Last month when i was traveling I tried to make an ATM withdrawal and could not. Today when i tried to transfer {$500.00} from my checking account to may savings account there system kept tell me i had an invalid account number. You should note i was using the account number that they printed on my statement. please order them to correct both of these issues today and to also send me deposit tickets. when i call them they refuse to assist because i refuse to give my entire social security number out via an unsecured telephone line nor am i able to give my drivers lic out while i am driving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
A fraudulent account was opened in my name in XXXX XXXX capitol one. This was identity theft. I sent in previous documents reported to law enforcement and capitol one removed the account and then put the account back on my credit report. I contacted the fraud department on XX/XX/2023 and the representative confirmed that the account was removed and then put back on my credit report. This information was provided to me from the capitol one representative on a recorded line and Iwould like this fraudulent account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: NJ
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:
there is unathorized inqueries on my report. i have had a fraud alert on my report for XXXX years and have not ran my credit at all! please remove any of these inqueries from my XXXX, XXXX  & equifax and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I have these inquiries listed on my credit file which do not belong to me. I have a credit freeze and an extended fraud alert on my credit file and all request for credit I should receive a phone call. 

These are fraud. I am unsure if the credit is opened or not. However I would like them removed.

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 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went through an drive-through ATM to withdraw {$200.00}, and I did not receive my money, I immediately call the number on the ATM machine, they I had to call the numbers on my card, I also went into the bank they said I had to the numbers on my card because they could do anything about it, so I called file a claim, couple weeks later they temporarily refunded the money back into my account, and then on XX/XX/XXXX they reversed it back, so I was sitting with negative {$200.00} in my account. When I received more money into my account, they took it. This is serious, my money was taken from me, they was not able claim it, they are wrong! I want 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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
there is unathorized inqueries on my report. i have had a fraud alert on my report for 2 years and have not ran my credit at all! please remove any of these inqueries from my XXXX, transunion & XXXX  and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX  XXXX account # XXXX XXXX. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: FISERV 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 was thinking about creating a XXXX XXXX, a little flower shop. Due to the coronavirus, it was never physically or online open. Although I had developed my website, I decided to put everything on wait until after the coronavirus. After a few months, I decided to deactivate my website. I don't even own a credit card reader. In addition, I did not sign any contract with these individuals. These XXXX XXXX employees managed to obtain some of my business information as well as my personal information in some way. Because I had never signed up for any such company, I never received any correspondence from them. Naturally, I assumed that the issue had been resolved because I had contacted several times to resolve the issue and had emailed the company. I received a notice stating that I owe {$630.00} to the company. I decided to report them since one transaction fee letter seemed quite suspicious. One transaction charge letter I received stated that a customer will be refunded {>= XXXX} and that I would be responsible for the remaining {$630.00}. How is that possible when I have never authorized a merchant account and have never signed a contract? someone claiming to be from the XXXX XXXX Something isn't right!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Due to the covid 19 global pandemic I was unable to make my payments on my XXXX XXXX with XXXX XXXX on time for the months of XXXX of 2020 and XXXX of 2020. I have since resolved this issue with XXXX themselves, they updated the remarks on the late payments to remove the late status on those payments due to the pandemic. XXXX and XXXX have updated my reports but Experian not only haven't, they updated it back to late status. This is hindering my overall credit thus hindering my ability to purchase 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this credit report agency keeps reporting false accounts on my credit report. the account does not belong to me. i have asked to provide 1. a copy of the original contract that shows my signature 2.a copy of payment history 3. name and address of original creditor 4. proof of collection authorization If they cant provide ALL FOUR of the above they are illegally furnishing false information on my credit report they need to remove it immediately

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 2017-09-19
Company: One Technologies, LP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX, conducting business under the name " XXXX, '' included the following solicitation on the web site of XXXX XXXX XXXX " 3 Credit Scores ( Free ) - Get Your Credit 3 Bureau Score View Your Latest Credit Scores From All 3 Bureaus in Just 60 Seconds For {$0.00}! '' I believe that is an outright lie and fraud equivalent to what you alleged in the XXXX  and XXXX law suits. 

Copy of the relevant XXXX XXXX XXXX 's web page including the offending solicitation is included. 

In the late morning of XXXX XXXX, 2017, I went to the web site XXXX XXXX XXXX/ XXXX by clicking the link included in its solicitation on XXXX XXXX XXXX XXXX web site. I filled out the application for the allegedly free credit scores. The first 2 pages of the application required my name, address, social security number, birth date, where I lived when receiving social security number, answers regarding history of my residences and personal credit, email address, and establishing a user name and password for XXXX XXXX XXXX/ XXXX. When the 3rd page of the application was presented to me, it requested authorization to charge my credit card for 2 items. The 1st was a payment of {$1.00} charge for an initial 7 day free trial of a subscription program that provided the " free '' Credit Scores, which charge would be refunded by a refund request made within 7 days of the application. The 2nd was the automatic long term enrollment in the subscription program for a monthly subscription fee of {$39.00} automatically charged against by credit card unless I telephoned XXXX XXXX XXXX/XXXX in advance to cancel the subscription. I did not include the my credit card information in the application, authorize XXXX XXXX XXXX/ XXXX to place a charge against a credit card of mine or submit the application to it. THIS IS NOT " FREE '' OR " {$0.00}. '' I contacted XXXX XXXX XXXX/XXXX and informed it of my experience, I considered its practices regarding the so-called " free '' offer to be false and illegal and requested it to remove my very sensitive information from its records, including any of its data bases. The person who took my call did not agree to do this, but did not state my information would be retained, and informed me by not submitting the application my very sensitive information would not be entered in its records. I believe this as far as I can throw the organization.

Company response to consumer: Closed with explanation