BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A XXXX XXXX  account is reporting inaccurately on my report. Experian has a different opening date and a different last date of activity than transunion. This is hurting me. When I tried to dispute it on there website. A message popped up saying that they were not going to dispute it.

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 2020-12-26
Company: Applied Data Finance, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving messages about personify financial withdrawing money from my bank account ( though i dont see any such withdrawal ) since XX/XX/2020. These messages come to me thrice a month and i suspect identity fraud ( specifically with my phone number ). I did try to contact the company ( without having to give my SSN ) but theres no way i can approach them and discuss this problem. I hope to get to the bottom of this before it turns out a full-fledged attack on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Personal information incorrect

Complaint:
On or about XXXX XXXX, 2022, I mailed a certified letter to XXXX demanding that all inaccurate names be removed from my credit profile, and in fact, I supplied them with written information of the correct spelling of my name as it should appear on my report, and all other variations of my name should be removed, as they are in fact not my name. My legal name is XXXX XXXX XXXX, and all other spelling variations should be removed, as that is not my name nor have I ever gone by that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On or about XXXX XXXX, 2022, I mailed a certified letter to XXXX demanding that all inaccurate names be removed from my credit profile, and in fact, I supplied them with written information of the correct spelling of my name as it should appear on my report, and all other variations of my name should be removed, as they are in fact not my name. My legal name is XXXX XXXX XXXX, and all other spelling variations should be removed, as that is not my name nor have I ever gone by that name.

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 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I have reached out to Bank of America, XXXX, and XXXX XXXX to remove a mark/flag that indicates that my account with Bank of America was closed due to fraud. I in no way want to open a new account with Bank of America, but would like the opportunity to open a checking account with another reputable financial institution. Unfortunately, I can not due to the mark on my consumer report. It has now been close to 5 years since this was reported, and my understanding is that this should have fallen off the report by now.

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 2022-06-01
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:
Recently received a copy of my credit report and I noticed accounts that I do not recognize and did not authorize

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 2022-06-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is in reference to Citibank, NA 's continuous denial of my rights under Electronic Funds Transfer Act ( EFTA ). Citibank is either misinterpreting a very important consumer regulation, or purposely obscuring the nature of the fraud to skirt their obligations under EFTA.

A fraudster stole my online banking credentials and gained access to my ONLINE BANKING to initiate electronic funds transfers from my XXXX accounts ( which are used for personal, family, and household purposes ) on XX/XX/2021. 
Per the EFTA, the term electronic fund transfer or EFT means any transfer of funds that is initiated through an electronic terminal, telephone, COMPUTER, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer 's account. 12 CFR 1005.3 ( b ) ( 1 ).

Additionally, as stated in the CFPB 's recent Electronic Fund Transfers FAQs, Regulation E defines an unauthorized EFT as a transfer from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). When a consumers account access information is obtained from a third party through fraudulent means such as computer hacking, and a hacker uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.

In my case, since a fraudster stole my online banking credentials and gained access to my ONLINE BANKING ( accessible via a COMPUTER ) to initiate an order/instruction authorizing ( without actual authority ) Citibank ( i.e., a financial institution ) to debit to my two consumer accounts, I am entitled to the protections Regulation E and the EFTA provide to consumers.

By reason of the facts and circumstances stated above, I demand that Citibank reimburse me in the sum of {$19000.00}, plus interest.

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 2017-01-23
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I set up a payment schedule with Jefferson Capital to pay off my debt. I have my letter from them stating it is closed and paid in full, but they continue to report to the credit bureaus that i am deliquent in payments. They also have no records of the letter they have sent me and state i did not fulfill my agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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:
PLEASE DELETE THESE ACCOUNTS God Bless ... these accounts ( 1 ) XXXX  Account # XXXX ( 2 ) XXXX XXXX XXXXN Account # XXXX Have been Reinvestigated 4 times an they still are inaccurate. according to the law 15 U.S CODE 1681i ( Procedure in case of disputed accuracy ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. DO NOT REINVESTIGATE PLEASE DELETE THESE ACCOUNTS ACCORDING TO LAW.

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 2022-06-01
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:
PLEASE DELETE THESE ACCOUNTS God Bless ... these accounts ( 1 ) XXXX  Account # XXXX ( 2 ) XXXX XXXX XXXX Account # XXXX Have been Reinvestigated 4 times an they still are inaccurate. according to the law 15 U.S CODE 1681i ( Procedure in case of disputed accuracy ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. DO NOT REINVESTIGATE PLEASE DELETE THESE ACCOUNTS ACCORDING TO LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank of America contacted me and advised that my Checking Debit Card had been compromised so they were canceling and reissuing another. I phoned them to ask for more imformation, they said that they did not have any information to share, and I told them that I wanted to know what the breach was and when. I was advised that sometimes they are just notified by XXXX Law Enforcement of the breach, but the bank doesnt know why they just cancel the card, this is not acceptable by me. 

I believe that I have the right to know exactly what happened and more detail, its my account and they should be able to inform me ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: AES/PHEAA
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: Account information incorrect

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. 
" FedLoan Servicing '' added late payments to my account that was false even added an extra month of late payments. 
XXXX assumed this role without permission not only that they did not have my consent. XXXX did not respect my right to privacy which is under 15 USC 1681 a number 4. 
XXXX did not exercise grave responsibility, they were unfair, they were partial. 
Im taken the liberty to file a CFPB report and an attorney general 's complaint. 
XXXX never had a permissible purpose Under 1681 b number 2. 
I never instructed those guys to furnish this report and I never consented to this report in the first place. 

( FedLoan servicing added late payments to my account that was false even added an extra month of late payments )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JPMorgan Chase Bank, N.A. : Reference Number : XXXX Account Ending : XXXX [ 4 ] 15 U.S.C. 1692c ( b ) ( generally prohibits debt collectors from communicating with third parties in connection with the collection of a debt, in the absence of a court order or prior consumer consent given directly to the debt collector ). I XXXX XXXX the consumer did not give JP Morgan permission to share my information with XXXX XXXX XXXX on this alleged debt Violation 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation Pursuant to 15 USC 1681a ( 2 ) ( 8 ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to JPMorgan Chase Bank, N.A on this alleged debt. 
I am demanding that you remove these alleged transactions from my report immediately as they are violation of my right as a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: MD
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 was a victim of identity theft and I notified the company involved. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # : XXXX AcctID # XXXX ) I asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.

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 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the inquiry. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Billing statement

Complaint:
on XXXX/XXXX/2015, Capital One Bank did not report the correct balance on my account. The company claim they report every month, but it still shows that I owe them XXXX dollars, which for XX/XX/XXXX I only owe XXXX dollars, which is my balance. The company is reporting inaccurate data to credit bureaus XXXX. XXXX and XXXX. So I decided to file a compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-09
Company: BARCLAYS BANK DELAWARE
State: NV
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:
After initially crediting my credit card account for {$2600.00} on XX/XX/2022, based on a dispute I filed with a merchant, Barclays charged my account on XX/XX/2022, for the same amount. 

I later learned ( in correspondence by Barclays on XX/XX/2022 ) that this charge was based on the merchant providing screen shots of the terms and conditions that online applicants agree to by procuring their services through their website. The merchant also claimed that all services had been provided and the order was complete. The customer information in the screen shots was blank and the merchant provided no details regarding the services that I purchased, the manner in which I procured them, or the terms of the invoice that I was actually provided. 

The letter of XX/XX/2022, from Barclays stated that the reason for their decision was that " We were not provided with an itemized invoice/contract and/or a second opinion. '' Yet, on XX/XX/2022, I did, in fact, provide Barclays with the actual details regarding the services that I purchased, including the invoice and terms and conditions. 

Barclays never addressed the content of my letter, the fact that I had no direct agreement with the merchant ( they were a passthrough for the company that I did have an agreement with ), or the faulty documentation provided by the merchant. I attempted to address this in a reassertion of the claim to Barclays, but again, the dispute department failed to acknowledge my documentation or review the faulty documentation provided by the merchant.

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 2022-06-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It is a fraudulent account on my credit, XXXX is the original creditor from XXXX XXXX XXXX. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent 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 2022-06-01
Company: EQUIFAX, INC.
State: MS
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 did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 
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 XX/XX/XXXX 7.US DEPARTMENT OF EDU XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX 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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION, XXXX  AND XXXX  HAS INFORMATION ON MY CREDIT REPORT THATS NOT MINE.

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