BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 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 2017-08-28
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
i had to go to an XXXX XXXX XXXX on XXXX XXXX 2017. while there, someone i rented a room from used one of my trusted devices to access my netspend debit card account, among other things, she blatently transferred {$200.00} from my account to her sister 's account. ( i checked from a payphone at the program ). After the phone inquiry, i opened a dispute. the company required me to send them an email ( not allowed in the program ) to get credited for the remainder of the investigation. Long story short. the company sent a letter with alot of transactions but not the main one in question and stated that there was no irregular usage of the card or account which was false as i had NEVER transfered any acount to account funds and that alone should have been a red flag. There is also the question of why wasnt that specific transaction shown in the original mail they sent ( they sent 2 to the program ). im finally out of the program now and did a follow up on the issue and appeal their decision. i got a response that i would get a reply in 48 hrs ... its been almost 2 weeks. 
its really troubling that i explained to the operator the situation about the XXXX XXXX in detail about response times i am allowed, follow ups, and lack of internet access. it seemed as the operator was just in a hurry to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal credit union rerouted my military XXXX direct deposit from my XXXX XXXX checking account ( which was closed well before the deposit showed as pending ) to a savings account without my consent, without my permission and without any type of notification whatsoever. I have called a dozen times only to wait on hold for 2+ hours and be told that there is no further escalation available to solve my issue or answer my questions. I am on vacation 1-1/2 hours away from the nearest NFCU branch and earlier requested a wire transfer of MY MONEY to be sent from NFCU to my new account at XXXX XXXX XXXX XXXX but again after waiting on hold i was told my the security expert named XXXX THAT and im quoting here " No sir we do not have the capability to write transfer your funds, ''. IT XXXXS ONE IF THE OPTIONS ON THE automated menu when you first call how the XXXX are you going to tell me you don't have the ability it 's complete XXXX. and THEN the branch would have to call and wait on hold for XXXX hours to reach someone to release my funds. 
If i find out that them rerouting my funds without my consent is illegal in ANY WAY i will be suing the ever-loving XXXX out of them. I want to know WHO authorized the change in my direct deposit! I've been told " It 's an automatic system that does it, '' I've been told " We don't know who changed your information, '' I've been hung up on and I've waited on hold for a total of 6 hours between yesterday and today alone!!! I was promised yesterday by nfcu 's laughable excuse for a security department that they would notate my account allowing the teller to give me my funds IF i agree to pay some {$230.00} XXXX charge off that they've created. They're holding my protected funds hostage and it 's ILLEGAL!!!! In the past few months i have had my retirement money literally held at bay only allowing me to withdraw the money if i agree to pay them what they want first. I'm contacting my local news station i swear to God i want my money now! I have nothing and those crooks won't hand over MY retirement check!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
" Based on the information provided, we believe that your personal information may have been impacted by this incident. '' May? 

So Equifax did n't protect my data, sold their stock before releasing the bad news about the hack, and are trying to XXXX me out of my rights to a lawsuit with their arbitration clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collection letter for parking violation from XXXX XXXX XXXX. Never incurred this debt or had notice prior to receiving this mail. I called their number and refused to give them any personal information which they required to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two accounts showing on my report from XXXX XXXX XXXX with the original creditor of XXXX that both show from this year ( XX/XX/2020 and XX/XX/2020 ). I have not been to any doctors, or had any medical procedures in over a year. This account is 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
Consumer complaint received 2021-05-25
Company: Adler Wallach & Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called AWA collections services to inform that I received a hospital bill from XXXX XXXX in Tennessee. I advised AWA that I have never in my life been to Tennessee. Someone used my social security number and a wrong last name fraudulently, The person used the last name XXXX XXXX which is not my last name, but they used my social security card. Awa said that there is nothing they can do about it. AWA suggested I called the hospital billing department. I called the hospital billing department in Tennessee and was told that they can't find that account. Last year I had to file a police report here in North Carolina because someone in Tennessee was working under my social security number. I called that employer and the person was apprehended and fired. I have been trying to resolve this stolen identity issue for years which has interfered with my XXXX XXXX XXXX Benefits. Please Advise on how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 2021-04-16
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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 submitted a complaint with CFPB XX/XX/XXXX, The company did not FULLY investigate my fraud claim and hastily sent a response that they did and my claim was unfounded which is untrue. 
The investigated the wrong card as well. 


When I checked with CFPB I seen my claim was closed with that same letter I received from the company as the reason for the closure. 
As i said before I reached out to the CFPB because of the lack of rsponse from this company. 
To date the company refuses to answer my concerns which I find alarming. 
I've yet to be able to speak to a human concerning the initial XX/XX/XXXX complaint Beside having my calls dropped, I been connected to lines that are never answered. 

Only contact numbers involved XXXX XXXX XXXX XXXX XXXX XXXX Its as if the company as well as CFPB didn't even read my complaint. 

Original text : YOUR COMPLAINT On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress XXXX  bank acct. Several hours later I received and text stating a ATM withdrawl was denied, and a XXXX charge was placed on my acct. I immediately opened my mobile acct and seen 4 un-authorized withdrawls were recently made by ATM in the XXXX  XXXX XXXX, NY. After placing a freeze on my acct I contacted XXXX XXXX XXXX. I notified them that I had experienced this same type of fraud an previous time with my XXXX  acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my XXXX  card in New York ) I explained that I currently possessed card ending in XXXX on my person in the XXXX, NY and at no time was I ever at the location where the un-authorized swipes were made XXXX, N.Y. At this time I also noticed a previous un-authorized charge from 2 weeks prior that was also listed on my account. DATE LOCATIONS XX/XX/22 {$100.00} XXXX XXXX XXXX XX/XX/22 {$300.00} XXXX XXXX XXXX XX/XX/22 {$200.00} XXXX XXXX XXXX XX/XX/22 {$180.00} XXXX XXXX XXXX XX/XX/22 {$50.00} NY DOT XXXX XXXX After making my initial contact with XXXX  cust service, I have been unable to reach anyone at the telephone I made the claim. Past 10 days the automated number disconnects when you request to beconnected an agent. I just received a letter from XXXX stating after their investigation they were declining my claim on card ending XXXX. The card with un-authorized charges ended with XXXX. Card ending XXXX is the replacement card Ive yet to receive. I would appreciate any help you can extend. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Barclay Credit Card Company charge me a {$37.00} late fee even though they received the payment on the due date. The payment was sent by my bank through electronic banking on XX/XX/XXXX it was due on XX/XX/XXXX and the Barclay Credit Card Company representative informed me they need an extra 24 to 48 hours to process a payment and that even though it was sieved on the XX/XX/XXXX there's still a late fee because they have not had time to process it. They review the account and confirmed they had received it on due date and said they would waive and reverse the {$37.00} late fee on the next bill, due to that fact ... then I was a week later receiving this letter stating that they improperly reported it to the credit bureau and lowered my credit standing along with my credit line. 
I have never missed a payment with them, payment has always been made on time on the due date for several years since I've had the card. They are now charging customers late fees even if they received the payment on the same day.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed all inquiries on all 3 of the credit bureau because I am a victim of identity theft and have all these inquiries that I no nothing about and did not do also it was a auto loan taken out in my name and my info was shipped around to over 45 companies and now they are not removing them I have filed a ftc report and police report also someone is arrested rite now and told the detectives they purchased my information and also have a acct in my name and they wont help me and talking down on me because Im only XXXX I know I only have two credit unions and thts all I use to run anything all this other shopping around inquiries I did not do and am XXXX Im not getting the help I asked for I also placed a fraud alert on credit and freeze still they wont remove them

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 2017-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My husband and I have been customers of Bank of America for XXXX years. 

We have a checking account, ATM cards, XXXX credit cards, a business account and a brokerage account with them. 

My husband and I are law abiding citizens who have white collar jobs and work hard. 

We received a notice in the email from the Compliance department asking my husband to verify some information. He tried calling but hold times were always XXXX mins or above when he tried to call. 

He did the next best thing. He went into a Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and provided all the requested information and was assured that everything would be fixed. 

The next thing I see on XXXX was that my account was frozen. I go to the bank and they said that the compliance has all the information they need but they need to speak to my husband ( who was travelling for work XXXX to release the freeze. 

By XXXX the account was closed and a check shipped off to my address. I have several bounced check fees. To make matters worse, they sold off XXXX of shares in my brokerage account making me susceptible to a large amount of tax without my express approval. 


This is JUST UNFAIR. No one at Bank of America XXXX not the bank manager/compliance dept/service rep ) seem to have any power/concern to fix this issue. 

We need justice!!!! COrporations should NOT have the power to wreak havoc on people and should provide the right measures to collect information ( in this case non -critical ) My husband is a green card holder and I am a citizen. My husband works for a top XXXX accounting firm and his direct deposit has been coming to that account for XXXX years. 

They only needed the immigration status and work information and they did this to us. Worse, they acted like there was no one in the ecosystem who could help.

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 2019-11-28
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 a complaint against EQUIFAX SPECIAL AFFAIRS DEPARTMENT, to ask that you please eliminate any accounts that were opened under fraud without my authorization or permission. In this particular case without my presence, I also ask to remove all inquiries that are reported in my credit report, that were also solicited without my authorization. EQUIFAX SPECIAL AFFAIRS DEPT. knows very well, that I am a victim of identity theft, for many years I have sent over police reports and complaints and new accounts keep appearing on my report. This complaint I'm making is because I have new police reports, with new accounts that have been opened under my name under fraud. This is the best and most effective way with all the documents that I will upload to dispute all the negative accounts that were opened. The accounts that I am going to dispute under fraud is 1 ) XXXX/XXXX, ACCOUNT # XXXX, 2 )  XXXX  XXXX XXXX # XXXX with balance {$730.00}, 3 )  XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$95000.00}, 4 ) XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$62000.00}, 5 ) XXXX/XXXX  ACCOUNT # XXXX, 6 ) XXXX  XXXX  XXXX ACCOUNT # XXXX, 7 ) XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, 8 ) XXXX  XXXX ACCOUNT # XXXX, 9 ) XXXX XXXX  ACCOUNT # XXXX, 10 )  XXXX XXXX XXXX  ACCOUNT # XXXX, 11 )  XXXX XXXX XXXX ACCOUNT # XXXX, 12 )   XXXX, XXXX, ACCOUNT # XXXX, 13 ) XXXX   XXXX  XXXX  # XXXX, 14 ) XXXX-RETAIL ACCOUNT # XXXX, 15 ) XXXX XXXX ACCOUNT # XXXX, 16 ) XXXX/XXXX  XXXX  ACCOUNT # XXXX, 17 ) XXXX XXXX  ACCOUNT # XXXX, XXXX8 )  XXXX  XXXX XXXX  ACCOUNT # XXXX, 19 ) XXXX XXXX XXXX ACCOUNT # XXXX, 20 ) XXXX, XXXX. 
INQUIRIES ARE AS FOLLOWED : 1 ) XXXX XXXX, 2 )  XXXX  XXXX  XXXX, 3 ) XXXX  XXXX, 4 ) XXXX  XXXX   XXXX, 5 ) XXXX XXXX XXXX, 6 ) XXXX   XXXX XXXX, 7 ) XXXX  XXXX, 8 ) XXXX XXXX XXXX, 9 ) XXXX XXXX, 10 ) XXXX, 11 ) XXXX XXXX, 12 )  XXXX XXXX XXXX, 13 ) XXXX XXXX, 14 ) XXXX XXXX. 
All of these complaints that I am making for being a victim of identity theft, are backed up by a police report I made XX/XX/2019, two days after I came back from XXXX. I left this country XX/XX/2019 and when I came back I came back to all these accounts that were opened under fraud. I am following the federal law, that will protect me against this Identity theft that I was a victim to, supported by the police report and Identity Theft Victims ' Complaint and Affidavit. Also, I am in contact with all of the other companies that have accounts and inquiries under my name which were opened under fraud because of my identity theft. I am making this complaint because I'm blocked from making disputes online, and I'm also mailing you my documents. I appreciate the support and good customer service you guys have given to solve this huge problem I've had at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: WELLS FARGO & COMPANY
State: CT
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 was at a jewelry store ( XXXX XXXX in XXXX, CT ) in XXXX 2017 to look at engagement rings. The employee offered to check to see how much credit I would qualify for as it was 13 months of 0 % interest. I agreed to get it checked. They came back with a $ XXXX limit. I said i did not want to open a card at that time as I was still looking at different stores and ring options. Later that month I get a notification that a card has been opened with a $ XXXX limit. 

I called the store and they would not help and said I should contact Wells Fargo who is the " servicer ''. I called them and they opened a ticket to look into the situation. Nothing came of this investigation and they kept the card open.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to youand you have not responded in 30 days as you are required by law. 
Please investigate my disputes. 
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 non-monetary relief
Consumer complaint received 2022-03-09
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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1977 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation