BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. " XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX  '' XXXX XXXX XXXX XXXX TN XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX CT, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States XXXX ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX '' WHO I INHERITED THE NAME FROM. I WOULD LIKE FOR ALL INCORRECT INFORMATION TO BE REMOVE IMMEDIATELY. 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an 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 2023-03-02
Company: ALLIANT CREDIT UNION
State: FL
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:
Submitted a timely dispute to XXXX XXXX the vendor that handles billing disputes for Alliant. Specifically, it is for a charge dated XX/XX/22, XXXX, {$480.00}. The merchant provided a faulty light fixture that is buzzing. The merchant was notified, the merchant has not rectified the issue. Also, I had to pay an electrician money out of my pocket to install a faulty light fixture. Significant supporting documentation has been attached to justify my billing dispute chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive contacted XXXX XXXX several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: GA
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  XXXX XXXX, XXXX  XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently reviewed my consumer report and identified unauthorized inquiries that persist despite my previous communication with Equifax and XXXX, requesting a reinvestigation. Regrettably, the issue remains unresolved to this day. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The unauthorized inquiries are as follows : 1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is in violation of FCRA 607 ( b ) accuracy of my credit file. According to FCRA 623 ( a ) ( 5 ) the companies that are furnishing adverse data on my report are, by law, required to submit " not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action. '' They have/ did not. There is no date of the first delinquency on my credit profile for the below accounts. In addition, there is no payment history or terms. Yet, Transunion is in willful violation against FCRA 607 ( b ) accuracy, 611 ( 5 ) ( A ) incomplete data, and 623 ( a ) ( 1 ) ( A ) reporting with knowledge of errors allowing those companies to be listed on my credit profile are are subject to FCRA 616 and/ or 617. 

This applies to the following companies on my Transunion credit profile XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-12-20
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I received a mortgage statement in the mail from our loan provider, XXXX XXXX Home Mortgage.  The letter (dated XXXX) showed that we owed a total amount due of XXXX which is more than twice the normal amount.  Scanning down the letter, I learned that XXXX XXXX had received, but had not applied to our mortgage, a payment of XXXX  on XXXX  This payment was NOT late, but as the letter explained, these funds were held in "suspense" because they were not sufficient to cover the entire amount due.  This was news to us. We have always paid slightly more than the amount due on our mortgage.  However, unbeknownst to us, our mortgage had increased due to a change in escrow, making our payment of XXXX just below the new amount of XXXX.  It seems unfair that XXXX   Bankshould a) not give us any notice that our monthly payment was set to increase and b) hold a payment (which covered more than 99% of the amount due) WITHOUT telling us for an entire month and then c) attempt to charge a $XXXX late fee.  Further complicating the matter, the letter I received makes no mention of any late fee except one that may be applied XXXX if we don't square up the account by then.  After receiving the letter, I called customer support at approximately XXXX and spent the next 15 minutes or so speaking with a representative named XXXX, who failed to explain why the late fee didn't appear on the mortgage statement even though, in her words, it was effective on XXXX the same day the letter was sent.  She also did not explain why we were not given notice of the escrow change or why our partial payment (again, of more than 99% of the amount owed) was held in "suspense" without anyone ever telling us we owed an additional XXXX thus essentially ensuring that we would incur a substantial late feel.  Any help in resolving this matter would be greatly appreciated.  And as an aside, I'm curious to know if the XXXX late fee is typical and/or if late fees are regulated in any way.  It seems inordinately high.   If helpful, I am happy to submit the XXXX letter.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2019-12-20
Company: Experian Information Solutions 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 am a victim of identity theft. My personal information was used to obtain credit with XXXX XXXX. I found out about this when I began to receive debt collection calls from XXXX XXXX. That prompted me to take a look at my credit report and that's when I noticed that someone had used my personal information to apply for and obtain credit. I also noticed that the criminal had tried to obtain credit at other financial institutions as well. This is the worse thing that I've ever had to deal with. It is extremely dejecting trying to deal with the credit reporting agencies and banks to get this fixed.

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 2021-12-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My American Express Blue Cash card was offering a promotion for 8 % back on purchases made by using a special link for to XXXX XXXX website. The offer is good through XX/XX/XXXX On XX/XX/XXXX, I made 5 separate purchases using the link provided by AMEX ( XXXXXXXX ), totaling {$950.00}. A couple weeks later, I checked my account for the accrual of the 8 % in rewards and it had shown that I only earned 1 % instead of the 8 %. I called to advise their CS team that I had not been credited properly. They forwarded the complaint to their tech team which then responded by saying I did not use the correct link and therefore my purchases were not eligible. I didn't think that was true, but let it go at that. 

However, on XX/XX/XXXX, I decided to try it again with another purchase ( 1 transaction totaling {$490.00} ) and this time I was absolutely meticulous about using the correct promotional link and staying on the website all the way though to checkout and purchase. A couple weeks later I checked my account, and again only earned 1 % instead of 8 %. 

Another call into CS led to the same response from their tech team, which was that I ( again ) didn't use the correct link and my purchase was ineligible. I explained that this was unacceptable and I was then given contact info to complain to their executive office.

Today I was contacted by Ms XXXX from their " XXXX '', who told me the exact same thing, that their tech team investigated and said the " wrong link '' was used. She even mentioned she was familiar with this promotion and that her husband had used it. I pressed her by asking if she would check her husband 's account to see if he actually earned the 8 % in promotional rewards and she responded with a condescending chuckle and said she would not do that. I asked her to check anyone else 's account and she refused. She would not entertain the possibility that there might be a technical glitch that was preventing me from earning the promotion and kept repeating that the tech team investigated and found the promotional link was NOT used. She then said there was nothing that could be done and ended the conversation. 

I have been an AMEX cardholder for 21 years and my profession lies within the tech industry so I am closely acquainted with how these systems work and how complex they are. I know also when I'm being given the " run-around '' when someone doesn't want to do any digging or true investigative work. I believe there is a systemic problem with the redemption of this promotion and that it is not applying correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name, XXXX, # XXXX ; Account Name, XXXX OF XXXX, # XXXX ; Account XXXX XXXX XXXX XXXX XXXX # XXXX ; Account name, XXXX  XXXX # XXXX ; XXXX  XXXX XXXX XXXX. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish my a account without my written instruction.

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 conviction of crimes which antedates the report by more than seven years.

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

Company 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 2021-03-03
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Binance closed my account. They have not sent me my IRS XXXX forms as required by law before XX/XX/XXXX. I emailed the company and they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

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 2019-12-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells fargo created multiple accounts for me and when I confronted them back in 2013 about it they nearly through me out of the bank and threatened to call the police. They have a student loan that is associated with these fraudulently made accounts and have previously removed it. I noticed it reappeared on my credit reports and when I contacted the credit bureaus about it they said their is no legislation stopping Wells Fargo from opening a new account using the exact same data as before after it was already completely removed from my reports.

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 2022-10-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I went in to XXXX XXXX XXXX, Ca. and purchased a gift card to make a Child Support arrears payment. I paid the store cashier {$80.00} plus {$6.00} for an American Express Gift Card. Transaction was completed and I was given a receipt. I tried to register the card for use on the number provided on the card, XXXX XXXX XXXX. I was told by recording that the card was invalid and needed to be registered upon purchase at the store purchased. I journeyed by foot back to XXXX XXXX and was told the proof of register was on the receipt and it was. Manager and I contacted American Express and sent all documents requested before I left the store. After 7 more calls since documents were sent on XX/XX/XXXX, and 6to 8 emails, they usually put me on hold for 20 minutes when I call and then hang up on me. Nothing has happened all calls were fruitless because person on phone ask for card number even though I explain problem, they proceed to tell me it's not registered, return to store to register. I need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have problem with Bank Of America  Checking Account # XXXX XXXX XXXX. And in particular, with they debit card overdraft fees. Just today I was trying to explain representative and his supervisor, that bank can not charge overdraft fee for debit card purchases especially, one time purchase as I have it with XXXX XXXX posted on XX/XX/19. Today they offered me that I can enroll in special feature which will decline all debit card overdraft transaction, but I will be paying monthly fee of {$4.00} with some cents. I agreed to enroll, but asked them to reverse two overdraft fees for purchase on XX/XX/19. First of all, I was not aware that I need to enroll in special program, I thought that debit card purchase will decline automatically if there insufficient fund. Second, is that XXXX XXXX, as I mentioned above, is one-time debit card purchase, and it against the rules to charge overdraft fee for that. However, supervisor declined my request to reverse charges

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 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations that I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.

Company response to consumer: Closed with non-monetary relief