BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX  # XXXX {$1000.00} XX/XX/2020 XXXX XXXX XXXX  # XXXX {$400.00} XX/XX/2020 THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

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 2022-06-09
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:
In accordance with the Fair Credit Reporting Act the following companies have committed some violations .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *15USC 1681 Section 602A states I have a right to privacy *15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction

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 2022-07-29
Company: Designed Receivable Solutions, 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 have called the company, I spoke with credit bureaus, I have disputed, I have sent in statements stating I have no knowledge of this account. That is not my name nor address. Im a victim of fraud / identity theft. I have one name and one address that I have always used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi, I asked American Express for a physical address to which I could write to cancel my credit card, if i choose to do so at renewal. I was told I had to call or chat them to cancel. 

Is that correct that credit card companies do not have to make a physical address available for correspondence, and can refuse to accept written correspondence from customers directing them to cancel their cards? 

Thanks -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX  # XXXX {$1000.00} XX/XX/2020 XXXX XXXX XXXX  # XXXX {$400.00} XX/XX/2020 THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX # XXXX, n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-12-07
Company: Revolut Technologies Inc.
State: AZ
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:
Dear CFPB : On the morning of XX/XX/2022 at approximately XXXX XXXX, I received a notification from Revolut of multiple charges being made for large amounts on my XXXX XXXX I immediately checked the application and saw that my account was in the process of being drained, with transactions of {$460.00}, {$1100.00} ( in XXXX currency ), {$4100.00} ( in XXXX currency ), {$1100.00} ( in XXXX currency ), {$1100.00} ( in XXXX currency ) having been made through multiple merchants, in multiple locations globally. Within a 5 minute period, nearly all the funds were drained from my account, before I was able to freeze the card. After the card was frozen, another attempt was made to charge the card for {$1100.00}. 


I reported the fraud within 5 minutes, at approximately XXXX XXXX, by filing chargeback/fraud reports and talking with customer service. Investigations were opened. At approximately XXXX XXXX ( 3 hours later ), I was notified that the fraud investigation had been resolved, no fraud had been found, and there was no possibility of appeal. 


It is apparent that Revolut did not conduct any investigation - this possibly was automated. Any fraud professional would clearly see the transactions do not fit the pattern of the account, do not fit the geography of the account, and fit the pattern of fraud. Revolut has denied me my right to a proper investigation of disputed charges and has refused to charge back / refund fraudulent activity. The report was made within 5 minutes of seeing the fraudulent charges - when the charges were still pending and easy to cancel. Revolut has no regard for the law in regards to card disputes and does not care to investigate theft properly. 


I have never used the card that was stolen from nor have I given the information to any third party- this came out of nowhere. These charges were made in a blitz account draining, as scamartists do with stolen cards and would be apparent to a professional investigating properly. The card was checked by multiple merchants to ascertain it was active, then charged until it ran out of money, over a 5 minute period.

CFPB, please hold Revolut accountable for their willful violation of FTC dispute/fraud laws. I have attempted to reach out multiple times, with the blanket response that there is no appeal - no reasons, no request for additional information, no request for information from the merchants to determine who stole the money, etc. Please compel Revolut to issue the chargebacks and return my funds for the fraudulent activity on my account on XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$460.00} The card number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Convergent Resources, Inc.
State: AK
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 the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX  data breach CONVERGENTOUTSOURCI Acct # XXXX {$1400.00} is not my 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 2022-09-26
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid my balance on my DISCOVER credit card in FULL on XX/XX/2022 which was {$530.00}. I called DISCOVER to make sure that they received the payment and I was told that the amount should take about 2-3 business days to post and then I would be able to use my card. I called DISCOVER back on XXXX XXXX to check on my available account balance because my card declined after the payment had been processed from my checking account in my regular bank, XXXX XXXX XXXXXXXX XXXX The agent told me that there was a verification that needed to be done and she did it over the phone and said that I was all set and could use my card now because there was a hold because of the verification and now the hold has been lifted and I'm all clear. However, when I tried using my card on XXXX XXXX, it was declined again. Ever since then I have called DISCOVER 2-3 times and either the call does not go through or the agent or manager tells me to wait for the hold to be lifted. This has never happened before to me, on the same day I paid off my XXXX XXXX card in full, they gave me the available balance within the course of 2-3 business days and I was able to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BK OF AMER XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-12-07
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 my debit card was stolen. The card was used at XXXX 3 transactions where successful in going through. I immediately turned off my card and notified chime of the theft. Preventing 3 other charges from coming through. I also filed a police report and contacted XXXX. I provided the police report to chime and walmart stated they had the video footage and documents for chime of the theft. However chime has declined to reimburse me stating no errors have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is my request to remove the information from my credit file resulting from the crime. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the inquiries are UNKNOWN to me. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This has been an ongoing effort to communicate with the consumer reporting agencies regarding the deletion of all the invalid items that have been posted on my credit report. There were items that have long been deleted from Experian and XXXX but XXXX still shows the same item on my files. It's like they're not talking or communicating with each other and I'm under the impression that they are just trying to let me know that they have reached out to the individual creditors, where in fact, they really didn't do it. Coz why can a creditor release different information among these 3 credit bureaus if they're only reporting to one creditoror furnisher, right? Did you get my point here? So, I'm thinking that they're not doing their job efficiently. Some accounts have different declared numbers or digits, amount and date.

Company response to consumer: In progress
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX, upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-12-07
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/22 i was receiving notifications that someone was taking money out of my account in the amount of XXXX XXXX XXXX XXXX it was a total of XXXX transactions I immediately called pay pal to let them know what was going on, and to hurry and turn off my card. I was told then i could not file a dispute until the transactions were no longer showing up as pending. I called back the next day to get this resolved and i was told to file a dispute. i filled the dispute and then notice that it was more transactions in my account that i did not complete. With filling my dispute i added them as well. on XX/XX/XXXXi received a notification that i will not be paid. I then contacted PayPal in frustration about my hard own money. That representative was nice and understanding stating they would have a analyst call me back. i received a call on XX/XX/22 from XXXX of the rudest people i have talked to in my life not only did she hang up in my face but she would nit transfer call to another supervisor ( she claimed she was the supervisor ) or even attempt to resolve my issue.

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 2022-07-29
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, U.S. Department of Education Account # XXXX, Account # XXXX, Account # XXXX, XXXX - XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions

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