BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Was called by a Bank of America phone number ( the same number listed on the back of my debit card ), and said they were from the fraud department and they caught a XXXX transfer of {$3500.00} to someone in XXXX. They asked me if I had sent that and I said no. They said they were going to put a fraud warning and then reverse the payment. They requested a manual reversal for {$3500.00}. They gave me a confirmation code and then sent the request for {$3500.00}. After that, the {$3500.00} disappeared from my account and they said not to log on for XXXX hours. I called BOA and was sent to their XXXX fraud dept where they confirmed it was fraud. The payment is processing, but they cant give me my money back until XXXX reviews the case which could take up to 45 days.

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 2023-03-15
Company: EQUIFAX, INC.
State: MI
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:
The following accounts XXXX XXXX ACCT * XXXX : XXXX XXXX ACCT * XXXX Need to be deleted from my credit report. 
Are fraud and should not be showing on my credit report I was XXXX in XXXX XXXX during these accounts. The CRA EQUIFAX, XXXX, XXXX has continued to violate the following FCRA laws that state the following 15 USC 1681 9D ) ( 2 ) ( A ) ( I ) States that a transaction between the consumer and the person making the report should be excluded from your credit report 15 USC 1681 2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish negative information to a consumer reporting agency. and is required to furnish accurate information. 
The following XXXX XXXX accounts shows dates XX/XX/XXXX on XXXX and on XXXX and Equifax showing XX/XX/XXXX as dates opened inaccurate information. Date last reported XX/XX/XXXX XXXX, XXXX and on Equifax showing XX/XX/XXXX. 
These accounts are FRUAD and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: PNC Bank N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On the XXXX of XXXX, I received a letter from PNC Bank stating that my credit limit has been drastically decreased from {$7500.00} to {$700.00} due to factors from most recent credit report. However, there are no negative blemishes on said report, showing nothing but exceptional payment history for our entire relationship. Utilization went from 24 % to 50 % due to their changes, and a lack of explanation as to what could have caused this is why I am submitting this complaint. They told me it was based on credit report and could not discussed further. Credit report shows nothing and has now dropped by XXXX points due to this change alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2019-12-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
At the end of XXXX, I filed an affidavit and a police report to have some items removed. I received a completed investigation letter by mail. It stated that on XX/XX/XXXX that the disputed items have been removed, which stated that the items were not currently reporting on my credit report, but when I updated my credit report, the items are still reporting on my current report. Equifax is violating the Fair Credit Reporting Act because this company is still reporting fraudulent items on my credit report. I have contacted my attorney and my next steps includes filing a lawsuit with the court. Please correct this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: IN
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 has failed to validate these accounts on my credit report. As seen by several attempts, XXXX has either overlooked or ignored my requests several times to validate these accounts. Yet, they continue to report these account to my credit reports. 

XX/XX/2019 & XX/XX/2019 i sent a request for validation to XXXX & XXXX XXXX asking for an instrument of indebtedness.Both XXXX & XXXX XXXX have failed to respond correctly to each of these letters. XXXX XXXX never responded and XXXX responded " stating that if i wanted to discuss this account to contact them '' ... ... ... but I'm making contact with you through the letters, this response was in response to correspondence I sent YOU ... 

XXXX is reporting these accounts to my credit reports without validation to me, without an instrument of indebtedness showing that these accounts are indeed mine. 

Futhermore, when i have disputed with the credit bureuas experian, transunion and equifax ... they have all came back and said that the accounts have been verified but none of them can show any proof of what that means. 

IT HAS NOW BEEN BEEN 107 DAYS SINCE I SENT MY FIRST REQUEST FOR VALIDATION TO XXXX AND XXXX XXXX AND TO THIS DAY NEITHER HAS VALIDATED THIS ACCOUNT, NEITHER HAS SHOWN THIS INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. 

XXXX is falsely reporting open and closed accounts on my credit reports. 

The following accounts are being falsely reported. 

RE : Account # # XXXX ( All accounts fall under this umbrella ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: GOLDMAN SACHS BANK USA
State: TX
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:
On XX/XX/2020 a {$900.00} purchase was made using my card information. I noticed the charge a few hours after the purchase was made and immediately called Apple Card services and disputed the charge and had my card number changed. I received an email today stating I would be held responsible for the charge because the merchant provided sufficient evidence that I made the purchase. After speaking to a Goldman Sachs manager he stated the company " XXXX '' provided an invoice with my card number and billing address, but to a person of a different name and a different shipping address. The manager said I would need to provide him with an email or screenshot proving I did not make the purchase. Upon asking how I could provide an email with evidence I didn't make a purchase he stated that was not his job. Several charges were attempted with the old card number in the two months following my dispute proving that somebody has my card information. I tried explaining to the manager that wherever they got my card information is also where the got my billing address, but he said he can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. XXXX XXXX XXXX XXXX : {$3600.00}.

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 2019-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive disputed this debt numerous times with the three major credit bureaus, I HAVE ASKED THIS COMPANY NUMEROUS TIMES FOR THE CONTRACT IVE SIGNED WITH THEM, THEY HAVE FAILED TO PROVIDE, THEY WILL NEVER BE ABLE TO PROVIDE IT BECAUSE I NEVER SIGNED A CONTRACT WITH THIS COMPANY, THEY NEED TO REMOVE IT FROM MY CREDIT IMMEDIATELY BEFORE I TAKE LEGAL ACTION TO GET THIS RESOLVED. They also continue to send me statements that they ahbe printed off from god knows where with my NAME ON IT AND THE WRONG ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
They scammed me on cash app, they asked me to download XXXX app and they started manipulating my phone. They asked me to removed my card bank on my app, they gave me a new card number but i cant see it on my cash app. Then they asked me to add cash {$100.00}, {$100.00}, {$59.00}, {$59.00}, {$50.00}, {$49.00} the total amount of {$410.00} i added cash. They asked me to transfer money to my husbands cash app and asked me his last 4 social security i gave them. When i came to realized that those people are scam i requested the refund from my husbands cash app. And came to re-transfer it again and transferred in our account. Yesterday when i checked out my account i seen those people took the money. The date was XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-01-30
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX, my fiance and I booked two roundtrip tickets XXXX on XXXX for XX/XX/XXXX through XX/XX/XXXX via Chase Ultimate Rewards Travel Portal totalling {$970.00} but paid with XXXX points. On XX/XX/XXXX, the airline unilaterally cancelled our flights and issued travel credits. After unsuccessful attempts requesting refunds from both parties, I submitted a DOT complaint on XX/XX/XXXX and both Chase and XXXX continue to deny our repeated requests despite the DOT regulations. Chase deflects to XXXX saying they are following the airline 's ( unlawful ) policy and XXXX deflects to Chase saying I must work with the travel agency regarding this booking. 

On a recent call with Chase Travel on XX/XX/XXXX, the representative stated that a supervisor will be reaching out to the airline directly to request a refund and that I would hear back via email. The following day, we received an email response from Chase detailing the conditions of use for the travel credit and nothing about the refund request. 
Due to the tickets having been purchased using points, I am unable to file a chargeback and am at the mercy of the OTA Chase Travel representing me against the airline. 

Lastly, on that same call with Chase Travel on XX/XX/XXXX, the representative revealed that XXXX and Chase are refunding customers on request for tickets booked after XX/XX/XXXX but consumers who booked earlier, even before major COVID disruptions began are left with only vouchers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on enclosed with this letter. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Please send the following information used to verify the validity The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section XXXX, and pursue legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: KEYCORP
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Please refer to # XXXX complaint on file to CFPB. I am continually getting letters from Key Bank on " late payments '' on my account. In my complaint, as stated in my original complaint, I have not received any documentations, statements, itemizations on my account for 6 plus years yet Key Bank has continually sent me " late payment '' notice every weeks. Throughout the years, I have not missed any payments and yet Key Bank has punished me with " late payment '' notice forb the past several months. I need help. I need clarification on why I'm receiving these notices and the payment structure of the trust deed. Perhaps a sit down meeting with a Key Bank person will clear this issue. Letters sent back & forth will not rectify this issue. 
Please help us correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is not a new complaint. See " attached '' documents of Midland Morgage unfair morgage practices ...

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 2019-11-14
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XXXX XXXX, XXXX, I received a copy of my credit report from Trans Union. While going over my report I noticed several inaccurate phone numbers that do not belong to me and should be removed from my credit report immediately. The following phone numbers have never belonged to me : XXXX XXXX I demanded that these inaccurate phone numbers be removed from my credit report 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 non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these three items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from XXXX, XXXX and Experian... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day

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