BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 received a Statement from BANK of America, XXXX  XXXX XXXX XXXX XXXX statement showed that my New Balance is {$76.00}. In Fact, I don't have any credit card Account from Bank of America and XXXX  XXXX XXXX and never purchased anything used it. It is fraud. 

I called several times, No one pick up phone. 

The following is the information of this company : Bank of America XXXX XXXX XXXX XXXX DE XXXX Customer Service : XXXX, www.bankofamerica.com Mail billing inquiries to Bank of America XXXX XXXX XXXX XXXX Mail payment to : Bank of America XXXX XXXX XXXX XXXX, XXXX DE 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 2021-04-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have tried speaking to Equifax about a 30 day reporting from a creditor XXXX, to get the negative removed from my credit report. 

The creditor removed the 30 day reporting ( XX/XX/2020 ), due to an error on their part ( physical address ) and loan being paid in full. I was advised from creditor by phone and in email that the reporting was removed and I should see the changes within 60 days. 

Upon speaking with XXXX  and sending information was told to contact the lending institution. I have now spoken with the manager of collections within the lending institution. He has again sent info to Equifax, to remove the negative and 30 day reporting but the negative still remains when I log into XXXX XXXX and XXXX  and shows in my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I started a complaint with the CFPB already about Transunion. The reference number for the original complaint is : XXXX I received another stall letter from Transunion today in the mail and it is attached to this message. Transunion is stalling and not investigating my complaints.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$260.00}

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 explanation
Consumer complaint received 2019-11-30
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
COMPLAINT AGAINST AMERICAN EXPRESS SERVE My XXXX XXXX autopay was not cancelled like I thought. On XX/XX/2019, {$220.00} was taken out of my AMEX SERVE account. I contacted XXXX and they reversed the payment and sent the money back to my account. 

On XX/XX/2019, the transaction was completed and {$220.00} was posted to my account. Immediately after it was posted to my account AMEX SERVE took the {$220.00} out of my account or put a " hold for review '' on the {$220.00}. SERVE will not tell me why and they claim that they haven't received the money back from XXXX, they only received a notification that a refund was being processed. Which is a lie because It shows in my cometed transactions history the money being added back to my account on XX/XX/2019. I even have the transaction ID #. It also shows the transaction and transaction ID # for the removal of my money placed on hold for review by SERVE. I can not access my own money for 7 days or more. I blew a tire and can not get to work because I dont have MY MONEY to buy a new tire! 

SERVE claims they are not the ones holding my money, they claim it is XXXX bank holding it for review. Even though XXXX reviewed and APRROVED the refund and sent it back on XX/XX/XXXX. SERVE is lying. Its them holding my money not verizon. XXXX reviewed and approved it before they even sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: CT
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$25000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$26000.00}

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 2023-04-18
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXXXXXX, 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 2022-09-05
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX XXXX Account # ( XXXX ). XXXX XXXX Account # ( XXXX ), XXXX XXXX Account # ( XXXX ) ( XXXX ), XXXX XXXX XXXX Account XXXX XXXX XXXX ), XXXX XXXX XXXX Account # XXXX XXXX ), XXXX Account # ( XXXX ), XXXX Account # ( XXXX ), Pervious Address ( XXXX XXXX XXXX XXXX XXXX WI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) XXXX XXXX XXXX Account # ( XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I Have the rights 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 2023-03-16
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I maid a purchase on XX/XX/XXXX for a phone through Xfinity mobile AND My credit wasn't high enough so they canceled it but they already took XXXX dollars as a deposit I never received my money back everytime I call each working says different things they said u received your money on the XXXX I send screen shots of the XXXX no money returned they another working says I received it on the XXXX I got screens shots on the XXXX no money return they I call again one working says give it 3 days they released the money to chime on the XXXX and still nothing I called support now she says it was giving to you I'm telling them my activity is everyday use I know if XXXX was put back and they choose to not help me like how they all come up with different dates and info I spoke to a super viser she went after I told her no and canceled my card being rude like who does these things mind you I have my amend taxes set for direct deposit there I have 2 returns from XXXX I'm yet to receive cause it's to the card they canceled they have XXXX of mine from a company I blocked last month and report as fraud. Yet the company too XXXX from me like 10 days ago I disputed it and they canceled my card with out looking into the fact I already cancel my card last month this was a new card but she wan na do it her was and talk to me last and I couldn't understand her she didn't even understand XXXX like this is american this is my money but sounds like the call center is in XXXX I feel chime is just robbing people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX CXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX  XX/XX/2023 TransUnion XXXX XXXX  XX/XX/2023 TransUnion 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 of 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 2022-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My account was closed without my consent and they will not give me the rewards I earned. I called the company on XX/XX/23 and was told the card could be reopened and I could get the rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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( {$45.00}, {$65.00}, {$45.00} )XX/XX/XXXX ( {$28.00} ) Capital one credit card I closed this credit card account back on XX/XX/XXXX because I filled a dispute against XXXX Airlines as they canceled my trip due to covid-19 travel restrictions, I filed a dispute and the basic cost of my Airline ticket has been credited back to my account, Capital one proceeded these charges ( onXX/XX/XXXX ) without investigation as well as they never sent me a mail letter to inform me, I found an email from them on XX/XX/XXXX showing that I have nonsense charges ( since I already got the dispute amount in full and this amount was an airline ticket plus extra seat fees ) Capital one charged me {$28.00} on the top of that as a past due charge, they just want me to pay moneyfor nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OR
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 information was breached as a part of the Equifax hack. Equifax did not get in touch with me to let me know that my information had become public, and when I went to their website to determine if I had been a victim it simply said " ... we believe that your personal information may have been impacted ... '' It did not explicitly state that my information had been made public, nor did it provide me with instructions for how to protect myself. 

I have set up a fraud alert and will be monitoring all of my credit cards to make sure that my identity is not stolen. If I become a victim of identity theft I will set up a credit security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to log into XXXXXXXX XXXX  to see all three fico scores and they told me XXXX HAS INCORRECT ADDRESS INFO. I try to log into XXXX giving my current address and XXXX says I can not log in due to incorrect address. XXXX has my correct address. Both XXXX and many other online credit services are telling me there is an address problem. So I created a new account with XXXX was able to get in but the screen to dispute is frozen. I have been trying for 3 days. Also my credit reports have two different middle initials for me and the correct initial is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I honestly do n't know who is worse, this shady/crooked " law firm '', or the medical group that hired these XXXX. My wife, who was off of work due to a high-risk XXXX, while I myself was XXXX, had to have an emergency XXXX due to complications with labor. After the emergency XXXX, she got an XXXX, which made her be off from work even longer than expected, a total of 12+ weeks. Even with short term XXXX ( 60 % of pay ), with a family of four, with a house and other expenses, the medical group sent her/our account to these XXXX for collections, a mere 4 months after the procedure. Do the math, that put her back to work for one month, when the medical group and these bullies, collaborated to bring a suit against her. We never heard anything from this firm of XXXX, until I happened to be browsing our State 's court system website, checking on another matter, that I came upon the case opened. We dug through our stack of bills that we struggled to pay as we could, and I came across the bill for the medical group. I immediately went online to their bill payment system, and even though we did n't have the money really, pad the bill in full, per the amount showing on her account number. I contacted the medical group, and then called this firm to speak to the attorney who opened the case, XXXX XXXX. Instead of having enough fortitude to speak to me directly, she hid in her office, and I had to deal with some bargain basement paralegal, who copped an attitude with me, telling me that we owed an additional {$160.00}. I told her that we settled the bill, and since the case had n't actually been in front of a judge, that we were not paying for any court fees, etc., and that if she/they had a problem with it, to contact the medical group, whose bill was PAID IN FULL. She gave me all the attitude of a spoiled little, daddy 's girl, debutante, that I could handle, and I finally just hung up on her. Fast forward a month later, and these XXXX seriously went to the trouble and effort of opening a case for that additional {$160.00}, which we were not aware of at all, until a judgement had already been made, making it impossible for our side of the story to be heard in open court. It is people of such low morals, with their elitist, bourgeoisie enabling mentality, that fight for the already rich, to take from the poor, to make the rich ( themselves included ), even richer. Preying on working class families, and potentially taking food out of the mouths of small children. 

If you own a business, do not do yourself the disservice of hiring people like this. In one case, you 're only out money for an unspecified amount of time, and in the other, you have sold your soul to the XXXX, or some other form of XXXX XXXX.

Company response to consumer: Closed with explanation