BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
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: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX XXXX, XXXX,XX/XX/XXXX TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.

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 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
On XX/XX/XXXX a XXXX unauthorized transaction for {$270.00} was posted on XX/XX/XXXX to my BOA credit card account. I discovered this fraudulent non-approved charge on XX/XX/XXXX and reported it immediately to Bank of America and had the card number locked to prevent any additional fraud from occurring. I received a message on XXXX stating the claim was resolved, credit was place on the account and I would be notified of any changes. 

After reporting this message of resolution, I received no additional communication from Bank of America. I assumed that like all major credit cards and like the previous correspondence stated, if changes or additional documentation was requested I would receive notification by either phone, mobile platform, or US mail. No subsequent notification from BOA was received. On checking my transaction history on XXXX, I noticed that the fraudulent charges for {$270.00} was reposted to my balance on XX/XX/XXXX. Additionally there was a BAL ADJ/ also added an additional {$270.00} charge on my account posted the same day ( XX/XX/XXXX ). This is {$540.00} in charges added to the balance with zero explanation or documentation. 

I called customer service, relaying the above information. The BOA rep ( I do not recall their name ) inform me that my card was used on XXXX and I received a package that was purchased from XXXX. After being placed on hold for around XXXX minutes, this BOA told me to call XXXX and resolve this issue. 

I had to end the conversation due to other obligations, but the BOA rep asked me to send ( in writing ) description of what happened along with my XXXX purchase history. 
Here is my problem : 1 ) I didnt authorize {$270.00} on XX/XX/XXXX and thus I reported as fraudulent 2 ) I dont have a XXXX account so was unsure what the Rep was talking about 3 ) I dont have an XXXX account so I have no documentation to send 4 ) I received nothing from XXXX because I dont purchase from XXXX. 

Again, the charges placed for {$270.00} on XX/XX/XXXX are fraudulent. I, nor my authorized users authorized this charge, and I asking that these charges be removed from my account fully. Additionally, the BAL ADJ/ charge of {$270.00} ( dated XX/XX/XXXX ) is also not authorized, and thus should be removed. Since I dont recognize the origin of the BAL ADJ/ transaction for XXXX on XX/XX/XXXX, I am officially requesting the BAL ADJ/ should to be removed from the account. 

The BOA rep was unable to help be resolve any of these fraud cases, and continued to state that I had ordered an item from XXXX which is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX is trying to sue me for the Amount of {$3600.00} by way of Attorneys office : Kramer & Frank XXXX XXXX XXXX. XXXX. 
XXXX XXXX, MO XXXX File # XXXX XXXX XXXX ( XXXX ) XXXX Letter was sent to my Residence on XX/XX/2018. It is quite a friendly cute letter if you will. XXXX XXXX XXXX is in Bold lettering implies yelling. XXXX XXXX is the contact for the above listed Attorneys office. they offer for me to pay online at XXXX. I will admit I was XXXX off due to the amount of overdraft fees you and I know accrue with Banks. You can gather they are harassing me and want to file for a judgement to be placed on me. You know when one has a XXXX his/her income is limited well my income is limited I receive XXXX dollars on the XXXX of each month from XXXX XXXX XXXX who by the way allows me to withdraw {$60.00} dollars each month in cash for the payment of XXXX dollars. I withdraw XXXX then I pay XXXX dollars so I really pay {$40.00} dollars for {$60.00}. I admit I need to pay XXXX XXXX some money due to a delinquent account, credit card, However, I did pay over 75 % of the balance due to the fact that I thought that I would be able to keep my Job and pay my bill. However you know it 's time like this that I wish I 'd never gave XXXX XXXX {$20000.00} XXXX XXXX {$10000.00} XXXX XXXX {$20000.00}. You know right now their rejoicing in the fact I cant pay XXXX XXXX XXXX for the Credit Card. My spending got out of control when I lost my Job. Sorry this informative letter is n't perfect according to Legal Standards However, I Hope that I 've Voiced myself concerning this matter correctly. 
Last I live at a XXXX XXXX XXXX in XXXX Missouri Like the Creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This money was on bills I never had one was for XXXX for {$320.00} and the other was from XXXX for {$590.00}. Both were from the same address in XXXX Illinois I have never lived their and each time ive tried to contact them they send me to the same recording that is so staticky that you can only hear every other word.

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 2021-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, we attempted to unfreeze our Equifax accounts to refinance our mortgage. I went online and was able to unfreeze my account, but when I attempted to go to my wife 's account I was unable to log in to the online account and was only left with a number to call. After calling the number you are forced into an automated service that first tells you about promotions then has you verify basic information. I was able to do this even though it takes about 5 or so minutes.

It asks you vague questions about your credit history past. Some of these questions are so vague that it is impossible to answer such as " Have you ever had a jewelry, auto, retail or finance account? '' or " What was the mortgage lender you had in XXXX? '' I got this one wrong because I think it was the original mortgage lender that we had when we bought our house that was then immediately sold to another lender, and then sold to ANOTHER lender. And it dates back 7 years!

After failing their tests, we were locked out of our account, I think, because the automated system does not tell you that you are locked out, it will only inform you that it is unable to help you after you call back and go through their series of questions AGAIN. I was trying this for at least 2 hours. I had to go online to search the internet to see where I could talk to an actual person ( this was through a completely different number and some steps ).

When we were able to connect to an actual person, we also somehow failed their questions, and were told the only way to contact them at this point was through mail or fax. The customer service person could not help in any other way. Was not able to tell us why our online account was locked or help us unlock our account in any way. We were also told that it would take 5 days after they received our information by mail or fax before they could help us. This time delay would make it so our loan was invalid. Also, because of COVID we do not have access to a fax, and even in regular times would not have easy access one. 

This whole process is EXTREMELY frustrating to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: MS
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 credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello CFPB I am writing to assist regarding XXXX XXXX XXXX XXXX XXXX XXXX with application ID # XXXX XXXX XXXX. I applied and was asked to send documents My Driver License SS Card and Utility Bill for verification which i did send. I received voicemail to call them and i did call them but they start asking some question back in 10 years period i tried my best to answer and they declined application. I send and complied with all their request and i was denied. Please assist me to get this application approved. I have great credit and this is Valid application for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XXXX/XXXX/XXXX I contacted Equifax, XXXX and XXXX Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between Equifax, XXXX, and XXXX as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official FICO credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: WA
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 a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.

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 2019-09-18
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-12-08
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Balance {$860.00} XXXX XXXXXXXX Balance {$200.00} Inquiries : XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Jormandy, LLC
State: VA
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:
I was a part of a consumer credit transaction. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I am using PayPal for selling bitcoins  and that's totally legal thing to do. I didnt do anything wrong. I am just trying to earn extra because my husband was just diagnosed with XXXX XXXX. I did provide all documentation they need yet they provided me an info that I am under age even if I'm already XXXX years old. And now they are holding my money which I badly need for XXXX of my husband. My email linked to my PayPal is XXXX. Please help me on this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: U.S. BANCORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I secured a mortgage loan with U.S. Bank in XX/XX/XXXX. I have never been 30 days past due in the last 6 plus years. I filed chapter XXXX bankruptcy protection in XX/XX/XXXX which was discharged in XX/XX/XXXX. All reporting from this loan to credit bureaus both before and after discharge has ceased. When credit is pulled no mortgage even shows with U.S. Bank. This is drastically affecting the recovery of my credit rating. At that time it was XXXX and has remained the same over the last year plus. Please advise. 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 2021-02-13
Company: BARCLAYS BANK DELAWARE
State: SC
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:
I ordered a online book through a company called XXXX. The online book did not help with the problems I was having with my dog though it claimed it would, it cost {$67.00} and it was charged to my barclays bank delaware on XX/XX/XXXX, I tried to contact the company through their website, I received no response, I tried to call them, I received no call back, though they said they would. I tried to dispute the charge on the credit card but had to wait a certain amount of days, I called the credit card and explain I didn't have any proof of it, because the charge was put through the company 's website, I also explained I had tried to contact the company through their website and through their phone number with no response, when I told the customer service representative that I didn't have any record of it to send them, they stated they were entering my response in their records. The charge was removed on XX/XX/XXXX. Today, I noticed that barclaycard has put the charged back onto my account, dated XX/XX/XXXX, when I tried to call them about it today, XX/XX/XXXX, the automatic message said sorry call back another time.

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