BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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

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 2023-07-14
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am attention a copy of the report for the following accounts and credit inquiries that do not belong to 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am writing to formally dispute a charge of XXXX  to my XXXX XXXX credit card account on XXXX XX/XX/2023. The charge was never authorized, was made while the card was not in my possession and is 100 % fraudulent. 
While vacationing in XXXX, on Wed XX/XX/2023 at approximately XXXX, I visited XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to purchase gasoline. I asked the outside attendant if credit card would be accepted for the purchase, and he confirmed it would be. I had the attendant fill my tank with gasoline and the total cost was approximately XXXX XXXX pesos ( approximately XXXX ). I handed my credit card to the attendant to pay, and he claimed my credit card was declined. I had him try XXXX different cards and he said none would work. He then detained XXXX of my credit cards while I searched my car for cash to pay for the gas. After a few minutes of searching, I was able to find enough money to pay in cash. I asked for my credit card back and received it and departed. 
After leaving XXXX and getting back to the United States, on Sunday XX/XX/XXXX I was reviewing my credit card transactions and found a charge for XXXX  ( approximately MXN XXXX pesos ) that initiated at the exact time I was at this gas station and while the attendant held my card. Ive concluded that while I was searching in my car, the attendant fraudulently scanned my card on another card machine in this XXXX XXXX pesos amount. This charge shows up on my credit card statement as being for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
After discovering the fraud upon my return to the United States, I have submitted police report # XXXX via XXXX XXXX to XXXX police. I have submitted police report # XXXX to XXXX XXXX police department. I have also submitted report # XXXX to the FTC. 

I have submitted this complaint to the Capital One fraud department and the case was immediately closed without resolution. Case # XXXX I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I created a paypal XXXX for my university fees https : XXXX once I had received donations paypal froze my account with XXXX USD! 


I got an email that they will release my funds after 120 days! but the time has passed and when I try to withdraw my money it says NOTHING IS THERE TO WITHDRAW! THEY JUST KEEP MY BALANCE OF XXXX USD!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-06
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Arvest Bank merged with XXXX XXXX XXXX in late XX/XX/2018. I had an IRA CD with XXXX XXXX with a 12 month maturity. I received no prior notice that my account was about to mature. Then on XX/XX/XXXX I received a notification which I thought was just a notice that my CD was about to mature because the title was reinvestment notice and then was NO STATED INTEREST RATE. I kept expecting some a followup with a stated interest rate so I could decide whether I wanted to renew or not.To follow up, I finally made a personal trip to the bank yesterday and was told that my account had in fact been converted into an 18 month maturity CD yielding 1.1 %. I asked why there was no interest rate stated on the notice I received, and I was told that no interest rate was stated because they wanted me to come into the bank to discuss other possible financial products ( an unfair cross sell technique ). I then asked about a six month CD and was told the interest rate was 1.9 %. They locked me into a longer term product at a lower rate rather than a short maturity product at a higher interest rate. The sales representative ( XXXX XXXX ) and branch manager ( XXXX XXXX ) both said that Arvest changed the maturity because it was the closed product to my CD from XXXX XXXX. But my original CD was for 12 months and if they had to change maturity, Arvest could have chosen a six month or an 18 month CD. 
They chose the one most disadvantageous to me and most advantageous to Arvest. The CD is for about {$25000.00}. By choosing the type of account Arvest did, they deprived me on 80 basis points in interest ( a total of {$310.00} over the 18 month term ) and lowered their cost of funds by {$310.00}. When given a choice between products, Arvest chose the product that would be most advantageous to them and the most punitive for the customer. Then they said to change to the six month now, I would incur a penalty of over {$140.00}. 
I consider this whole process ( from the notification to the unwillingness to modify the terms without a substantial penalty ) to be unfair and misleading on the part of Arvest.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing 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

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 2023-01-17
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The creditor LVNV FUNDING LLC keeps contacting me after I asked them to send me a letter to verify the debt is mine. This was back in the last week of XXXX. 
The so called debt for XXXX is not accurate at all because my deposit was kept by the original credit card company of {$200.00} plus I made a payment last in XXXX so the debt is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructionsI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
We had a burglary in our office resulting in a number of money orders ( 7 ) being stolen. The stolen money orders were from 3 different companies. XXXX XXXX is the only company that we are filing a complaint with. A police report regarding the burglary was filed on XX/XX/2021 and provided to XXXX XXXX as part of our evidence. The stolen money orders were made payable to our apartment property XXXX XXXX XXXX. We were able to place stop payments on money orders issued by other institutions but we were unable to do so with XXXX XXXX. Three money orders issued from XXXX XXXX were subsequently cashed. We paid a fee to XXXX XXXX for copies of the paid money orders and upon receipt we noticed they were clearly altered. I spoke to a XXXX XXXX representative who provided me information and forms I would have to submit for an alteration and forgery claim. Our documentation was sent by certified mail on XX/XX/2021. When I did not receive a response or acknowledgement from the company, I wrote a subsequent letter XX/XX/2021. This letter sent by certified mail was also ignored. 

To this day I have yet to receive an acknowledgment, phone call or any other form of communication from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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 was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

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 2023-06-30
Company: EQUIFAX, 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:
I am writing to bring to your attention a serious violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m by the debt collection company, XXXX XXXX. I kindly request your assistance in addressing this violation and ensuring the immediate removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX  has reported a negative account that does not belong to me. This inclusion of an inaccurate account on my credit report not only misrepresents my creditworthiness but also violates the provisions outlined in FACTA. Despite my repeated attempts to rectify this issue directly with XXXX XXXX, they have failed to take any appropriate action to correct their mistake. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX  violation of FACTA. Their failure to comply with the regulations outlined in the Act has significant repercussions on my financial well-being and undermines the accuracy and fairness of the credit reporting system. 

I kindly request your intervention to ensure XXXX XXXX XXXX compliance with FACTA and the immediate removal of the inaccurate account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this matter. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will take swift action to address this violation, restore the accuracy of my credit report, and safeguard the rights of consumers. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
the days are too often to count. I had to set up auto debits to get loan approvals for myself. over at least a year the withdrawals woyuld cause {$29.00} overdraft fees, sometimes three or more charges a day. I asked bank of america, even went to loacal brance, to please stop withdrawals, the companies would not. The branch was no help. by the fall of XXXX, there must have been close to {$1000.00} in fees taken. but no overdraft was ever paid. 

I -on my own, - realized i could put stop payments on these ewithdrawals and i did just that, at cost of {$220.00} On my business accountXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida it was similar. the fee was {$10.00} but must have occurred dozens of times. then the bank closed it bc it was negative, with only their fee. 

Finally, my Bank of America card fell behind. I paid down a good amount, but the bank closed it regardless. no rewards or points and fees added to balance.

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 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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:
In XXXX, I filed a credit card chargeback to BoA against my stay at a certain hotel back in XXXX, and my claim was denied. I called BoA on XX/XX/XXXX to clarify the situation. The fact is that the hotel may have been illegally evading taxes, and their practice would be refusing to release the folio, which outlines the costs I have incurred of my entire hotel stay. I had to file a chargeback, because the hotel had charged me what I felt was an unreasonably high amount, and I had no information regarding my costs in an itemized statement. In my phone call, I explained to BoA that the document I received was something that I had not seen before. It was mailed to me in the letter saying my claim was denied. I told the representative that I disagreed with some of the charges, to which he said he could do nothing for me. I also told the representative that the document had a date of XX/XX/XXXX, which meant that it was fabricated after my hotel stay. I suggested to him that isn't it fraud to make unauthorized charges? That was how I felt because I didn't agree to the charges. I also suggested how fraudsters can take advantage by making arbitrary fees that I didn't agree with. The representative would not help me because he wanted proof that the charges were invalid. This alarmed, stunned, and made me furious. The burden of proof should lie with the merchant, because I am the one making the claim. The representative refused to help me. Although I can not determine definitively whether he was lazy or incompetent, I am making this complaint because I did not like the way I was treated by BoA.

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