BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: FIRSTBANK PUERTO RICO
State: PR
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:
I want to inform that I need to do a chargeback process in a transaction through my bank account. I bought some devices for my company via XXXX in XX/XX/2020. The seller promised to deliver the device in less than one month. On several occasions I was in contact with the seller who told me that he had problems with the order but they'd deliver. I have already spoken with XXXX directly and with the Seller in the last 4 months without any help from either of them. They do not want to return the money or give the devices that were promised to me. They even sent me devices that don't work and wrong chargers. I enclose all the messages that I have exchanged with the seller. Even the representative who sold me the item does not work for the company anymore but the new representative does not reply to my messages. 

Due to the lack of communication from the seller and his company, I have to turn to you to start a chargeback process in the transaction of XX/XX/2020 for {$3700.00}. 

I add the tracking numbers I have. 

XXXX platform showing the devices were delivered to XXXX US, despite my address and order being for Puerto Rico address. XXXX  XXXX Tracking for wrong chargers/devices that are not part of my order. These were delivered to my house but didn't include any of the materials I ordered. USPS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 I received an alert from XXXX XXXX that a hard inquiry was attempted from XXXX XXXX from Bank of America but was blocked due to my having a freeze on my credit bureaus. I called Bank of America at XXXX and spoke to XXXX who took my ss # and then transferred me to the Fraud department where I spoke to XXXX who said he was in the XXXX TX region. their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I explained what happened and he said " hold on '' and then transferred me back the customer service line again where I waited and no one picked up. I was unsuccessful in my attempt to stop Bank of America from attempting anymore credit inquiries and therefore perpetrating fraud against me. I was denied any attempt to explain this was not my actions and I have never attempted to open any account anywhere.

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 2020-12-02
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: Personal information incorrect

Complaint:
Hello, My Name is XXXX XXXX XXXX I Live at XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX. Transunion, Insist on Listing My Name As : XXXX " XXXX '' XXXX XXXX This Name is Fraudulent. I Have Mailed Them ( 3 or 4 Times ) Copies of My Birth Certificate, Social Security Card and My Drivers License. Along With This Information, I Asked Them to Correct My Name. They Refuse. Please Help Me With This Matter. Thank-You, 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 2023-06-19
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NC
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 XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

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 2023-04-05
Company: EQUIFAX, INC.
State: GA
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX, I got my car loan with Wells Fargo which I got approved with a very high ( 14 % ) interest. As of XX/XX/XXXX I have finally paid off my loan.

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 2019-09-30
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Seems that CITIBanks knows that you are backing them and their fake and forged documents! I am getting phone calls from their collection agencies in XXXX and XXXX four to five times a dayXXXX, XXXX, XXXX, and about 20 other number that they are using>>> These people tell me you pay go to jail if dont '' Or we get you VA and SS checks, or we put your family in jail too. PAY NOW!! 
Seems that they have my SS number, my old bank account numbers ; I change banks after I paid off CITI Bank so that they could not hack into my bank account again! CITIBanks Agents know my My CITI BANK, XXXX XXXX, XXXX credit   card Numbers!!!!!! And CITIBank agents in XXXX and XXXX know that I am a XXXX veteran collecting service connected pay from the VA!!! 
All this information was given to CITIBanks contractors in XXXX and XXXX to try to get me to pay them {$20000.00} that the charged my account in volition of CITIbanks agreement with Administrative Proceeding File No. XXXX! 
CITIBanks agents in XXXX and XXXX both stated that CFPB couldnt do any thing to stop them from getting my VA and SS benefits for CITIBank they are out of country!!!!

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 2017-12-13
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a loan recently and got copies of my credit reports afterward. I found out that Capio Partners is  reporting a medical debt to the credit bureaus twice, under two different account numbers. 

The first tradeline I see on my report is reported under Capio Partners as account number XXXX in the amount {$2600.00}. The identical debt is reported a second time under XXXX XXXX XXXX/Capio account number XXXX, amount {$2600.00}. As a result, my credit report shows {$5300.00} owed instead of the original {$2600.00}. Both are on my report simultaneously. 

I can not in any way see how it is legal to report the same debt twice under different account numbers. This is clearly impacting my score negatively and unfairly and a quick conversation I had with a consumer rights attorney leads me to believe it is not legal. 

On top of this, I should not have any kind of debt of this nature due to XXXX Hospital at all and certainly never received any bill or invoice from the original creditor indicating this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Please dont close this complaint down this is a real complaint made by me a human being. so i noticed some accounts on my credit that i did not sign up for and i called the creditors and they can not produce a contract with my signature on it and then i reached out to the credit bureaus and they did not remove the identity theft either. so now im doing this complaint with you guys to hopefully get things taken care of.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Billing dispute for services

Complaint:
I signed up for a Transunion account today ( XX/XX/2021 ) and was instantly prompted to enter my credit card information. Thinking this was for identity purposes, I entered it. Later on, I checked my email to see that I was charged for a {$25.00} credit monitoring subscription I never even signed up for ( XXXX XXXX  EST ). I instantly canceled it the second I saw it however they already charged me for this service. I never asked for this service nor signed up for it, so I don't understand why I was charged for it. I also want to be made sure that I'm 100 % out of the subscription. I do not want to be a part of the subscription and would like it cancelled ( If it hasn't been already )

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 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Capital One XXXX card was compromised and used in states where I do not reside nor have been nor have connections in. Capital one fraud alert has closed and reissued new account and reversed charges to the card fraudulently, but also had bank account number and processed payments out of the bank account to the card. I am correcting the credit reporting agencies information but they require a report from FTC with confirmation of ID to proceed and correct reports or remove fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
ON XXXX XXXX 2 CHARGES TO XXXX XXXX 1 CHARGE FOR {$750.00} AND {$140.00} ALSO XXXX  FOR {$13.00} i HAVE REPORT TO THE LOCAL POLICE OFFICE AND RECIVED AN REPORT, I HAVE ASKED THE COMPANY TO ASK THE STORES FOR SIGNATURES AND SURVEILLANCE FOOTAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For years, and years Ive had student loans under the XXXX program. Instead of getting paid down, they keep on increasing. Ive been paying since XXXX. I am also the founding executive director of two eligible non-profit institutions listed in the directory. One was founded in XXXX, and another in XXXX. Ive worked in service for 14 years. My loans are now listed as being eligible for forgiveness in XXXX ( 15 years from now ), after I make XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 instructions 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 convictions 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 explanation
Consumer complaint received 2019-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates, LLC is continuously and repeatedly calling trying to collect an alleged 7-8 year old debt that has long been disputed and removed by all credit bureaus. I have asked the company to stop calling numerous times. 

Dates of recent phone calls : XX/XX/2019 XX/XX/2019 and numerous times before that. 

The company uses a different generic phone number to call so blocking them is useless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Navient Solutions, LLC.
State: PA
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:
My taxes has been taking out for the last the 5 years as a result they stated that all funds where being paid to the department of education which it is still showing negatively on my credit report and it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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 2022-10-14
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Therft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$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 2019-05-07
Company: EQUIFAX, INC.
State: AL
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 pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX, DEPTEDXXXXT, XXXX ... XXXX XXXX XXXX, US DEPT ED. I reached out to the FTC and my local police and Im also doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit System is trying to illegally collect a debt from me due to fraud. I have never done business with them, nor do I know who they are. I have tried several times with proof to the credit agencies to prove this is not me and is indeed fraud. They are ruining my good name.

Company response to consumer: Closed with explanation