BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
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:
To Whom It May Concern, Multiple Dispute Letters were sent out, also last one sent out was a 60 day letter to XXXX and Equifax. They received the last letter XX/XX/2019. I asked them multiple times to verify and delete derogatory item. Please advise. 


Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The prepaid card claims to be able to link to PayPal and be able to use funds online. However, it does not allow that to happen without having to submit for a second prepaid card with separate fees and charges. This is false advertising and I demand a refund.

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 2020-01-13
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I went to ATM machine located at XXXX XXXX XXXX in XXXX, WA XXXX. The ATM is owned by a company called XXXX XXXX XXXX XXXX. I attempted to withdraw {$500.00} but was declined so I never received the funds even though I had the funds in my account. However, US bank took out the money out of my account ( my customer ID number is XXXX ) even though I never received the money. Their number is XXXX. 

On XX/XX/XXXX, I contacted XXXX and spoke with supervisor XXXX XXXX. His number is XXXX, ext XXXX. He said US bank declined the transaction ( XXXX XXXX ). We have a 3- way telephone conference with supervisor XXXX XXXX US bank. She claimed the money was authorized and they dispersed the money to XXXX. She gave me their authorization number of XXXX. 

In XX/XX/XXXX, I forward the US bank statement to XXXX showing the funds was taken out of my account and was told to file a dispute with US bank, which I did. On XX/XX/XXXX, US bank issued a provisional credit of {$500.00} back into my account. However, they took it out again on XX/XX/XXXX. 

I called US bank. I forgot who I spoke to but she was very rude. She said I lost the dispute. I requested several times that they send me documentation showing they dispersed the funds to XXXX so I can file a complaint. But, I have never received anything to date. 

I have been going back and forth between both agencies and this has been a very frustrating process. I have suffered financially because of this. I believe that the fault lies with US bank who has been extremely difficult to deal with. XXXX has been helpful in trying to resolve this, but they can not issue me a refund since they never gave me the funds. ( See attached email ) Please look into this matter. I am attaching the bank statements from XXXX to XX/XX/XXXX ( XX/XX/XXXX : {$500.00} was taken out of my account ; XX/XX/XXXX : a provisional credit was issued ; XX/XX/XXXX : it was taken back out ).

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 2016-09-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
A few weeks ago I received phone call from Citi Bank. Since I was working at the time they left a message stating to call them back about my XXXX Card. I did not return the call as I have not applied for a card with them nor do I have any relationship with them what so ever. Last week I checked my credit report and low an behold they had made a credit inquiry and a new account was showing opened under my social security number. I have tried to call them repeatedly but all that happens is that I am left on hold. I have even tried to call during non peak times. I have not received any card in the mail and I do not want one. Like I said I rarely apply for credit and I have n't applied for any credit since I bought my car two years ago. I would like to get this removed from my credit report and most of all I want to know how they got my social security number.

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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Bank of America account is closed ( i requested ) i cant have correct date and amount but it will be in day or XXXX difference. 
My business credit card was charged for offset payment for XXXX $ and my checking account was left with XXXX XXXX I am going trough hardship and cant afford regular daily expenses. They took money on XXXX or XXXX of XXXX, 2023. I called many times and tried to get written explanation based on what state or federal law they can leave me with XXXX $ and without my contest take the money away. I was able to talk to escalation manger and he told me that based on my agreement they can do that. Paragraph XXXX as he mentioned. I believe that agreement is unlawful and should be voided. I feel my rights are hurt, i cant pay my rent now. This money should be taken only if court approves in my opinion. 
I need protection and help, cant afford lawyer. 
Thank you! 
Best way to be reached is my email.

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 2020-01-13
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX, & XXXX of 2018 Approximately {$6000.00} of charges were made fraudulently on my XXXX XXXX XXXX card. Those charges were made in XXXX XXXX, CA. 
At that time I was in North Carolina and have bank statements and flight tickets to prove it. XXXX XXXX has denied 3 fraud claim attempts and refuses to restore my account. My credit has been absolutely devastated in the meantime. I followed all of their fraud guideline requests including : Providing current bank statements, Providing a digital scan of the front and back of my driver 's liscense Providing social security card They will not listen and refuse to address the fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX : open date XX/XX/XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX : open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax All these accounts are fraudulent due to identity theft I have sent police reports and affidavit to Equifax, XXXX XXXX and XXXX  Equifax is the only company that has not removed fraudulent accounts from my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 am natural person I am living I have right under 15USC 1681.

TransUnion is govern 15USC 1681 .And they violated my rights numerous of times.I demand this account listed below be remove because According to 15USC 1681 : I have the righ to privacy and I did not give TransUnion permission to furnish these account : XXXX XXXX account number XXXX balance {$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 explanation
Consumer complaint received 2020-01-13
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have applied for two travel credit cards at Chase bank, United Club & Marriott Bonvoy XXXX on XXXX XXXX, XXXX. On XX/XX/XXXX I was sent letters that i was not approved for the credit cards ... I applied for these two credits cards because I love the benefits the cards offer, such as free checked bags on the first & second for the United Club and the Free Night Award on the Marriott   Bonvoy XXXX. Not only do I enjoy the benefits of the cards, as a small business owner I need to travel abroad often to visit my brokers  & customers  & gain/build new networks  for commerce. Not only will these two cards help me personally and my business, but it will create business and a stronger relationship with Chase Bank. This will provide value for Chase bank and may allow me to borrow money in the future and pay Chase bank more interest. Not only will this create more value & money for Chase Bank ; my credit report clearly shows I am a responsible person who knows how to be financially independent. My score being above average, I have seven years of credit, very low credit usage, zero late payments, zero derogatory remarks, zero collections, and only two hard inquiries. The few credentials I have provided is enough to establish that I am financially responsible and will be able to responsibly mange two more revolving accounts with Chase Bank. My credit report and the growth of my business and other personal assets should provide proof I can manage my debt responsibly, afford more credit and have the capital to pay off future debt on time and in full as I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting falsely a account that is included in a bankruptcy filed inXX/XX/2019 as negative showing the vehicle as repossessed and it was never repossessed they are also reporting 49 months negative payments and this is false i have contacted theXX/XX/XXXXXXXX XXXX XXXX XXXX ) and they confirmed that it is Experian reporting this negative information because it is not them and they also confirmed that XXXX and XXXX are reporting correctly but that Experian is not reporting correctly i have called Experian and they have not corrected this incorrect information which is hurting my consumer report

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 2022-02-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I been getting letter on XXXX XXXX about that i can not open a bank account because of check fraud and i never done that in my life and someone is using my information and i dont even know who is doing that i just want to clear this problem because it is affecting my life and parents keeps asking about it and i don't want to be in trouble for this. I need to have a good record and credit score. I need to open a td bank account but i can't not do that because of this issue and also it always come up in the system when one of the banks put my information in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.

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 2018-02-12
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent Certified letter on XX/XX/XXXX Sent Certified Letter on XX/XX/XXXX SECOND ATTEMPT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX This letter is being sent to you in response to a listing on my credit report and a letter that was sent to you on XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX with XXXX XXXX stamped signature stamped XX/XX/XXXX. XXXX XXXX XXXX  has failed to reply with documentation that I have requested on the First Attempt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 
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 ask you to provide all 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 and selling of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state ( State of Alabama ).

5. Please evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Regards, XXXX XXXX SSN # XXXX SENT CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 had a credit card with Bank of America for nearly 14 years and never missed a single payment on the card. Mostly, because it was on auto-pay. I had to close my checking account for fraud and opened a new account with a new financial institution. 

I called BOA 3 times to give them the new account information for the Auto Pay and they never updated it. I also advised them to cancel auto pay but they did not. I made the payments that were required in the local branch ; however the auto payments that they attempted bounced back. 

This caused them to close the card. I attempted to resolve the issue with them last summer but ultimately gave up. Since the card was closed I was no longer getting any notifications or emails or phone calls from them and I was not receiving my statements due to my identity theft. I advised them of this. In XXXX of this year, they reported me late to the credit bureaus but they did not call me or advised me that I was late in making a payment and in fact I had called them several times to attempt to pay over the phone but they STILL did not have my updated checking account information on file, and they wouldn't give an option to pay with a debit card. I spoke to someone in their customer service department and they advised me they would remove the late payment but it is still showing.

This has caused my credit score to drop over 100 points. Please help me!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-01-13
Company: EQUIFAX, INC.
State: NV
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:
Equifax is reporting a XXXX XXXX collection that is not mine. XXXX and XXXX  has removed this collection due to failure to verify it was mine. Equifax has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 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 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 2023-04-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation