BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. this account must be verified as soon as possible This was already included in my prior COMPLAINT and I am including it again XXXX XXXX Balance Owed : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at Commonwealth Financial system. And he said that it's a medical bill that came from XXXX XXXX XXXX which came from XXXX XXXXXXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: TX
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX. inquiries : 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 2018-04-06
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today XX/XX/XXXX a debt collector agency contacted my family members and told them for which company they worked, and how much was owed on my account. I am unsure all the details but they called my family in looking for me with a number I was given XXXX which said they were American Express and the amount they stated was actually above the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: NY
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:
I have an account with XXXX and I have been trying to cancel my account with them but I am not able to reach anyone to cancel my account. The website states that the accounts can be cancelled by calling XXXX, however I have called numerous times and every time I called they told me that my waiting time will be over one hour and sometimes even over two hours. I have waited on hold a few times for a very long time and was not getting through to them. In the meantime they keep charging me the {$27.00} per month while making it almost impossible to cancel the account.

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 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX ClaimXXXX  Amount- {$19000.00} I would like to see if I be able to get help. This is been going almost a year now. I called them to get the results, but no avail. I did everything they told me to. I sent all supporting documents, including ( Identity Theft Affidavit ). My XXXX is terrible. I hope I can get it resolved soon thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text claiming to be US Bank about a fraudulent charge on my account on XX/XX/2022. Someone called me from the US Bank number claiming to be a representative from US Bank who wanted to help me sort this out. They had my name, account number, my recent transactions, and account balance which they stated back to me. They told me in order to protect my funds I needed to XXXX money to myself. I XXXX two transactions of {$800.00} and one of {$700.00} to my own name and they intercepted the funds and stole it from me. They had already hacked my account and had all my account information so I think some responsibility needs to be with my bank. If they had not had all my information and repeated it back to me I wouldn't have fallen from the scam.

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 2018-10-22
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made a payment then realized I used my old checking account called in told them it was wrong account made new payment with right account so here I am thinking everything is ok and then they send me a letter saying they closed account due to non payment insufficient funds and held my money for Almost 30 days before refunding it back to checking account so they actually had the payment and acted like they didnt receive it and also closed for recent delinquency

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 2022-08-25
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I was notified via the Ally Bank mobile app that a large transaction totaling {$470.00} was made on my personal checking account via my debit card for an online purchase. I do not carry my debit cards and use them only for ATMs. When I'm not expressly going to an ATM, they're locked in a safe. Immediately I went into Ally 's mobile app and locked both of my debit cards. I called Ally and waited on the phone for approximately an hour and a half that evening to report the fraudulent charge. After reporting, I was told that an investigation would be opened into the charge and a resolution would be reached within 10 business days. 

New debit cards were sent. Following receipt of the new cards, fraudulent charges are still being attempted, but declined since I've locked the cards down in the mobile app. I reached out again via secure internal email on XX/XX/2022 for an update, but the message remains unanswered. 

I called again today, XX/XX/2022, XXXX business days later, to check in on the status of the funds being returned and found that the first representative had never actually initiated a dispute, so no action was taken. The representative I spoke with today, XXXX, has told me it's now disputed, however it'll take another 10 business days for a possible resolution, which was very frustrating. Ally could not tell me how the cards were compromised or how they continue to be hit with attempted transactions on the brand new cards, but judging from a look online, this is a recent widespread event impacting hundreds of people under the same circumstances with Ally.

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 2021-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received in the mail on XX/XX/21 a credit card from Citizens Bank with a credit limit of {$11000.00}. I never applied for it. The number was XXXX. I also opened mailed yesterday and a personal loan for a XXXX was denied from CitizensOne the same bank. I called Citizens and reported it to them on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: WA
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:
On XXXX XXXX, 2017 I discovered on my own accord that my credit had been compromised by the data breach with Equifax Credit Bureau. At this time I also had my husband check into his status and he too has had his information compromised. At no point since the initial breach, of which the exact date I am not aware, were either of us notified that our information had been at risk by Equifax. Unacceptable. 
On XXXX XXXX, 2017 the company tweeted out a FAKE web address with regard to the above stated matter. A fake website. Unacceptable. At what point does this behavior from his company become malicious negligence on the American consumer? 
My family have all worked very hard to obtain our current credit. Credit, something we MUST take part in. A company who can make a decision on our future, take our most personal of information without consent and view it how they see fit, and decide our future. Yes, we can work hard and pay every bill on time, take our credit seriously and protect ourselves with our purchase choices. But in the end, credit is something you can not " get around '' in today 's life. So how is it that one of the 3 credit bureaus could be so grossly negligent with our livelihoods? Our futures? I want to see that they receive the harshest the government can do on behalf of all of the people who have been affected by this data breach. I want the standards of our information to be kept at the highest level of security. I want to see them not only pay the consumers back the whopping {$1.00} or two we might see in a class action suit, but I would also like the government to investigate and fine all individuals and companies involved in this disgusting act. 
They are sitting by while millions of peoples lives could potentially be ruined by the Nations leading non-violent crime - Identity Theft. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Personal information incorrect

Complaint:
TransUnion REFER TO XXXX CFPB My personal information is what I sent you 2 goverment IDS they are legal documents you are required by law to keep accurate information my name is just whats on those IDs when you state there is a 60 investigation in my personal information Im it there is no one that can state my name there are a lot of names that are like mine please correct my name as stated on the documents and refer back to me the change, there is no required 60 days for personal information even se4ction 611 states accuaracy

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX ASKED BUREAUS TO NOT REPORT DATA FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. BUREAUS NEED TO FOLLOW REQUESTS AND DELETE. THIS IS NOW PAST DUE.

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 2017-06-19
Company: LOAN TO LEARN
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It shows a past due in the amount of {$54000.00} on my credit report with no payments being made. I am current on my account and making monthly payments of {$55.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX my daughter was in the XXXX XXXX. I needed to visit her so i checked my online account balance and it said i had XXXX available. It also showed a debt owed to redbox. I withdrew XXXX dollars from an atm and went on about my day. So on XXXX/XXXX/XXXX i went to another atm and withdrew another XXXX dollars for weekly expenses grocery etc. On XXXX/XXXX/XXXX i withdrew another XXXX. So on XXXX/XXXX/XXXX i stop at a convenience store to get my child some things and my card was declined. I immediately check my online account to find my balance XXXX dollars. Upon looking at the transactions i saw that it stated that there had been and in branch withdrawal of XXXX dollars. I was shocked and immediately called to report fraud. During the call i got disconnected so i went to my local branch. Once in the bank they were able to provide me with documents showing that i had withdrawn the XXXX dollars from my account on XXXX/XXXX/XXXX. I then inquired about why was the information not up to date. I also asked why my overdraft protection did not protect me. I was given the all sorts of reasons as to why its my fault that i overdrafted my account. They said they the atm lets me know before i overdraft. I explained that it was not a bank atm. So they said it was at the banks discretion so i argued that it was set up so that i can not overdraft at all. I also stated that in XXXX of XXXX i had some issues and i went to a bank atm and i would not allow me to overdraft, and that reassured me that my overdraft protection worked. So i was able to get them to reverse a XXXX dollar overdraft fee. But im still in debt XXXX dollars because of them i feel ( XXXX dollar atm withdrawal x's2 plus another XXXX dollar atm withdrawal ). So i had the issue escalated i was asked how do you manage you account. I answered i checked my blance online and called on XXXX/XXXX/XXXX to assure i had those funds. I feel that Wells fargos system error and the problems caused as a direct result of that error have cost me and thats not fair especially considering i set up features to protect me from overdrafts. And when i finally spoke to whomever the issue was escalated to they blamed it on hurricane XXXX. They did not close the bank for XXXX. I mentioned the hurricane and they spent it as excuse for their mistake. I mean if that is not a slap in the face.

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 2023-05-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a letter to American express asking them to validate a debt that was furnished on 3 consumer reports ( XXXX, XXXX, XXXX ) .I disputed this account with all 3 consumer reporting agenciesXXXX deleted the account, XXXX and XXXX XXXX to furnish the data.I filed a complaint with the CFPB still after filing the complaint with the CFPB the account still came back verified.I found it very strange that this account keeps coming up verified so I called the CFPB and I asked how could this account be verified then I found out from the representative on the phone that credit card companies don't have to show the consumer reporting agencies any proof.So I have a letter I sent to American Express on XX/XX/XXXX asking them to validate the debt.After studying the Fair Credit Reporting Act I found out the credit card company lawfully had to respond to me.So they are way past the the 30 day markXXXXAmerican Express is in violation of 15 U.S.C. 1681i section 611 ( a ) ( 1 ) ( a ) .It says the company has 30 days to respond and if they don't respond in that time frame then under 15 U.S.C. 1681i section 611 ( a ) ( 5 ) ( A ) the item must be deleted from the comsumer report.I have attached all correspondence below.XXXX  account # XXXX XXXX account # XXXXAlso on each report American Express has 2 different addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 2023-01-29
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: CT
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 personal information was stolen and used to fraudulently open several accounts ( XXXX XXXX XXXX  and XXXX XXXX ). I have previously sent in a Police report and an FTC affidavit to Experian supporting my claim for victim of identity theft. I have disputed these fraudulent accounts on several occasions and experian has told me that these accounts have been verified as mine. Back in XXXX of 2020 when my first dispute was submitted the process took longer than 30 days I was notified 2 months later that the accounts were verified as accurate. These accounts are a result of identity theft and my personal information being used and compromised. According to the FTC According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. Experian is refusing to remove these fraudulent accounts.

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