BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: BARCLAYS BANK DELAWARE
State: OR
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:
In XXXX of 2019 my wife 's car was broken into and her purse was stolen. We immediately alerted all credit card companies of the situation and she was sent new credit cards. A homeless couple was found in possession of some of my wife 's stuff and was prosecuted. I can provide you with information on this case if needed. 
Unfortunately - on XX/XX/2019 someone started using my Barclay 's Visa card ( which my wife and I share jointly ) and racked up {$3600.00} in charges from XX/XX/2019 to XX/XX/2019. Charges vary from Bus passes, food purchases, to items purchased at XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, etc ... On XX/XX/2019 they even purchased a {$30.00} calling card from XXXX XXXX so an inmate could make calls from prison. Why would I buy an inmate a calling card? My wife and I rarely use this Barclay 's Visa card as it is only used for emergencies. We did not make these charges and alerted Barclay 's Visa as soon as we learned that these charges had been made. We filed Police reports with both the XXXX Police department and the XXXX County Sheriffs Offices as these fraudulent charges were made in both Oregon and Washington State. Barclay 's Visa originally credited our account when we first reported this fraud to them but later ( XX/XX/2019 ) put them all back on our account saying that because I still had both credit cards in my possession that I was responsible. ( These charges were made under my original Barclay 's Visa Card and also the new Barclay 's Visa card that was issued to me when my wife 's purse was stolen ). We have called Barclay 's Visa numerous times to dispute these charges but they refuse to help with this matter. They know this is fraud and refuse to help. They even refused to give me the times when these purchases were made so that the police can look at video to see who is actually making these purchases. I need help with this as Barclay 's Visa is refusing to assist in anyway. Thank you.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-28
Company: FlexShopper, Inc
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, I revoked ACH and Debit Card Authorization for Payment on my Flex Shopper Account. On XX/XX/XXXX, I received notification from Flex Shopper stating I would have to call them regarding that matter- which I did. On XX/XX/XXXX, I received a Text from Flex Shopper stating they attempted to receive payment from my Checking Account unsuccessfully. I emailed them again, stating I had revoke authorization so an attempt to collect payment from that account shouldn't have been attempted. On, Flex Shopper took payments totaling {$12.00} from my other Check Account ( which I revoked ACH and Debit Card Authorization as well ). I contacted them on XX/XX/XXXX, confirming that I had revoked ACH and Debit Card Authorization. On XX/XX/XXXX, I received an email stating I would have to call a Representative again- which I did. Lease states that XXXX XXXX has to be done via writing which is why I submitted the emails. All future payments ceased until XX/XX/XXXX. On XX/XX/XXXX, 4 payments totaling {$51.00}. I contacted Flex Shopper via email and phone regarding the transactions since I had revoked authorization. They stated that they would put a ticket in to investigate and stop any additional charges. On XX/XX/XXXX, another payment of {$10.00} was removed from my Account that I had revoked authorization. I called and emailed Flex Shopper once again, to stop any additional payments to be removed and to get the unauthorized amount ( totaling {$62.00} ) be credited back to my account to avoid potential overdrafts. Representative said the payment came outXX/XX/XXXXXX/XX/XXXX because I just submitted the revocation XX/XX/XXXX and I had to give 3 Day Prior Notice. Informed, once again, that I submitted revocation on authorization on XX/XX/XXXX and if I had no prior knowledge of the payment coming out on XX/XX/XXXX or XX/XX/XXXX how could I notify Flex Shopper 3 Days in Advance. I have a meeting with my Bank this afternoon to dispute the charges on my end. When communicating with Flex Shopper, they kept talking in circles. The lease agreement says the XXXX XXXX has to be done via writing but when that is done they request a call and when you call they say the Revocation wasn't submitted in writing. Plus, they're trying to say I revoke authorization on XX/XX/XXXX when I revoked on XX/XX/XXXX. Furthermore, when I asked to speak to a lead supervisor, I was told there wasn't one available but they would send a ticket in which could take several days ( specific dates changed based on who I spoke to from 3 - 10 Days ) and was unwilling to resolve the issue and acknowledge the revocation. Please advise.

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 2019-07-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had three automatic payments come out of my account on Friday XX/XX/XXXX totaling {$79.00} causing my account to account to go - {$16.00}. With Wells Fargo if I put money in my account before XXXX XXXX the next day I wont be charged an overdraft fee. I deposited {$35.00} into my account before before XXXX XXXX on Saturday XX/XX/XXXX and then deposited another {$20.00} later that day only to check my account Monday morning and I see that I was still charged a fee which made my account - {$32.00}. I tried calling my bank to get the fees waived but because this is not the first time this has happened to me they would not waive them. I look at my account this morning to see that I was charged three more overdraft fees for purchases I had made that same Saturday when I had the funds in my account to do so causing my account to now be - {$130.00}. I have money coming into my account tomorrow but I will only have {$52.00} of that to last me until next week.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: DC
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 settled my charged off XXXX XXXX XXXX account in XXXX of 2022. It shows a XXXX balance and closed on my XXXX and XXXX reports but XXXX shows that I still owe over XXXX. I attempted to dispute it but was told I had previously disputed

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: EQUIFAX, 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 noticed that there are multiple accounts and collection account reporting on my credit report along with manny inquires that i did not authorize most of the items have been removed due to fraud but there are still some items that are reporting falsely on my credit report when i have disputed it a few times please help me resolve this issue i filed an FTC report stating which accounts where Related to fraud and which inquires as well and i sent it in to all three bureaus on XX/XX/2019 i was told that they have 30 days to responded but they have not responded to everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: UT
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 is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

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 2022-02-03
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I repeatedly ask for monthly statements for XXXX months thru a Letter attached to the payment, I NEVER got a reply at least as a courteousy to a customer. 

My regular monthly payment is {$720.00} plus i added {$470.00} applied to Principal for a total of {$1200.00} monthly. 
Thats why i need monthly statements to track the Principal balance. 
Please help to make Valley Bank comply on my request Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
After taking a trip to XXXX I was notified by creditwise through my credit card app that a XXXX XXXX and a XXXX XXXX card had been opened under my identity. I disputed the XXXXXXXX XXXX and it was taken care of ( this actually happened twice within a few month span ) This was removed from my credit report. 

My first step was to Call XXXX and have them open an investigation. 

I then opened a dispute with XXXX on XX/XX/2023 when I because aware of the issue. File # XXXX. They verified the account as accurate and updated which is incorrect. 

I then filed multiple disputes with Experian on XX/XX/2023. Report XXXX XXXX. All of which were deleted from my report, please see below. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

I then filed another dispute with Experian XXXX XX/XX/2023. Report XXXX XXXX. During this dispute they removed another " XXXX '' fraudulent account along with a XXXX account. 

For some reason they did not remove the XXXX XXXX account but instead said it was verified and updated. Please see below. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

XXXX is showing the account as closed. I don't understand how the different bureaus are showing this in different statuses.

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 2023-07-19
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX, XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$7500.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX  XXXX {$190.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX placed a fraud alert on my credit report without documentation. XXXX is now requiring that I send a copy of my personal protected information in order to have the fraud alert removed. To date, XXXX does not nor have they ever had an official copy of my driver 's license or social security card yet they have been reporting my credit history for over 30 years. I find that XXXX is using the fraud alert as an attempt to gain access to my personal protected information to have on file for their use when I may submit a dispute against a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Account information incorrect

Complaint:
I am writing to voice my concern regarding the unresolved issue related to my vehicle loan account, which was recently taken to court and subsequently settled on XX/XX/2023. It has come to my attention that despite the court settlement, XXXX XXXX XXXX has failed to update my credit profile with accurate and updated information. This action is not only unprofessional but also violates the provisions and rights outlined by the Fair Credit Reporting Act ( FCRA ). 

I would like to reiterate that the matter in question was brought before a court of law, where a settlement was reached, outlining the terms and conditions for resolving the dispute. As a responsible consumer, I have abided by these terms and promptly fulfilled my financial obligations as specified in the settlement agreement which was for the amount of XXXX. This amount was paid in court in front of the judge in the form of a cashier 's check. 

However, to my dismay, the inaccuracies regarding this account persist on my credit profile. This erroneous reporting has adversely affected my creditworthiness and financial well-being, hindering my prospects for accessing credit when needed. I believe it is within my rights as a consumer to have accurate information reflected on my credit report, as enforced by the FCRA. 

I have reached out to the creditor multiple times and nothing has changed or has been resolved. I have disputed this account with all XXXX credit bureaus and provided them court documents to prove the inaccuracies and it still came back as " VERIFIED '' by the creditor. 

I trust that you will address this matter expeditiously and amicably, understanding the significance of maintaining accurate credit reporting. I strongly believe that our dispute has been amicably resolved in a legal setting, and it is, therefore, imperative that the creditor uphold their obligation to report this correctly to the credit bureaus.

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 2023-01-17
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX and transunion are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.

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 2023-07-19
Company: Experian Information Solutions 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 have a son who is currently XXXX  years of age. I was divorced in AZ and finished paying child support 16 years ago. It was actually never in collections. My ex-wife opened a case in NY because NY law states that a father can pay child support until a child is XXXX, so the court put a temporary judgment against me until a hearing. My divorce decree was upheld and the case was dismissed. 

I have given backup documentation to all 3 credit bureaus and it remains on my credit reports. They have not taken it off my reports. It is hurting my credit and thus my family.

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