BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
My wallet was stolen while I was at work with my ID, social security card, Bank of America ( BOA ) debit card and BOA credit card on XX/XX/XXXX. The thieves were able to walk into a XXXX XXXX branch with our Bank of America Credit Card and withdraw {$5000.00} cash and charge an additional {$1200.00} at XXXX 's club. BOA has now denied our claim three times with the credit card charges. 

The charges were credited to our account on XX/XX/XXXX while they investigated. 

XX/XX/XXXX they denied our claim due to " the chip was read, PIN was entered and a signatures was obtained ''. First of all there is no PIN, it is a credit card. The people who stole my wallet had my ID and social security card so yes they could verify because it was a credit card and they knew my zip code which is what is required with transactions, not a PIN! We have never taken out a XXXX XXXX and never taken any cash out at a different bank! 
I spoke with them on XX/XX/XXXX and again reported my wallet was stolen with my ID and social security card and they reopened the claim. I was informed I could submit the police report. 

XX/XX/XXXX the claim was denied again! Stating the same reasons as above. When I spoke with the representative I again explained my identity was stolen. I also informed them I had submitted the police report on XX/XX/XXXX ( i was delayed due to being out out town for a work trip ). They informed me it could take up to two weeks to receive any fax or mailed documents ... .but they denied the claim within 10 days? Not even giving time for them to receive the report. 

Today XX/XX/XXXX the claim has been denied again. After submitting the police report via certified mail and fax! I do not have that letter yet but will be happy to provide it once we receive it in the mail. 

There is no way to talk to anyone in the " investigation '' department. The only person we can speak to is in the claims department and they just keep reopening the case. They said based on our spending habits and that the card was verified that we authorized someone we knew to make these charges. 
XXXX XXXX  refuses to provide the footage to the detective working on my case because the XXXX XXXX was done under a different bank. 

Also the detective on the case has a picture of the suspect at XXXX 's club. Unfortunately XXXX will not release the footage.

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 2022-06-24
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:
In accordance with the Fair Credit Reporting act : XXXX XXXX Acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act : XXXX XXXX Acct # 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
Consumer complaint received 2022-06-24
Company: Revolution Financial Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XXXX  card XX/XX/2022 XXXX card was having known technical issues to their system. I made one {$50.00} top up ( bank transfer addition to card balance ) at XXXX XXXX that was completed successfully and added to my balance. The same day at XXXX I made another {$50.00} top up that displayed completed in the XXXX app but never added to my balance. Because this top up was necessary for me to make a purchase in the retail store, I had to immediately attempt another {$50.00} top up that was completed and added to my balance. I waited for the XXXX top up to appear in my balance but it never arrived. I contacted XXXX repeatedly asking for all receipts for top ups made on XX/XX/XXXX, the customer service reps provided 2 XX/XX/XXXX receipts and an already completed XX/XX/XXXX top up as evidence of the completed transactions. I acquired my bank statement that clearly showed the 3 {$50.00} transfers to XXXX bank on XX/XX/XXXX. XXXX refused to acknowledge that their system applied one of my XX/XX/XXXX transfers to a past completed transaction. I have evidence from my bank that all 3 {$50.00} transfers to XXXX were completed and taken by XXXX. I have been dismissed and ignored by XXXX customer service with no one willing to help. 
I requested XXXX provide me the receipts and as stated only 2 {$50.00} transfers appear in their documents all times correspond to my bank statement with the one {$50.00} transfer stolen by the XXXX system. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: DC
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 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. 

Pursuant of 15 usc 1681a ( 2 ) ( B ) 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 credit report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) 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 credit card I used to originate every consumer credit transaction below. They should be removed from my transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 14. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The Visa credit card from U S Bank stated that I would get {$500.00} cash bonus reward if I spent at least {$2000.00} in the first 120 days of opening the account. I have purchased collectibles from XXXX. I have not received the bonus. When I called the U S Bank, I was told that purchase from XXXX is not eligible for cash bonus. The card member agreement says cash advances, balance transfers and convenience checks are nor eligible for bonus rewards. U. S. Bank nowhere mentions that purchases from XXXX are not eligible for bonus rewards.

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 2022-04-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Mail letter to ARS Account Resolution Services asking for Original Documents baring my signature to release personal information. Company can't verify inaccurate information, but still reported to all three credit XXXX, XXXX XXXX, XXXX. XXXX has it on my credit report without Original documents baring my signature to release person information to ARS Account Resolution Services. This braking HIPPA 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 2022-06-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account at Navy Federal Credit Union a few months ago, made a deposit and when I went in to the bank to withdraw some funds I was told I opened a Fraudulent Account. They refused to tell me why it was fraudulent but it just was. 

I just figured out why they thought my identity was fraudulent! Hopefully this will help all of you to avoid this issue and if it does happen to you hopefully it will be delft with better than Navy Federal Credit Union Well I just got a new job a few weeks ago and every time they tried to run my I9 it would come back with a mismatch on my Social Security number. They gave me this link to log in to my Social Security account and as soon as I saw this URL, https : //myeverify.uscis.gov/, I realized what happened! Last year I found this site and the Government allows you to LOCK your Social Security number! I thought this was a good idea to prevent Identity Fraud. Well Locking your Social Security number and forgetting that you locked it will cause you to become fraudulent for everything type of financial account that checks your Social Security number! 

My best guess is when you Lock your Social Security number it scrambles your Social Security number in the database so when companies actually run your Social Security number they will never match. 

When I finally figured out what has been going on I immediately called Navy Federal Credit Union and tried to explain this. I was then transferred to their Security Department ( after 5 hours on hold for two days ) and I was told they would email me an appeal form to resolve the issue. This could also take up to 15 days. Here 's the Catch22 I need the Account Number and Access Number to put on the Appeal form but I don't know them. I can still login on line but it won't show me account info because the account is fraudulent. I called for the account information can't be given out over the phone because the account is fraudulent. 

So basically my start date was TODAY and I can't start because I have a Fraudulent Bank account with Navy Federal Credit Union which isn't really fraudulent which is preventing me from clearing my Federal Bureau of Investigation ( FBI ) Fingerprint 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 2023-11-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
This is the third time to report the similar matter. I have decided to report this time to CFPB because persistent emails from this credit report company, called Experian, considers itself has the right to offer the credit card, even though I do not want them. From the beginning, I opted out these kind of offer from any credit company permanently. And this something called Experian should not send such kind of offer because it must have been noticed already much earlier than other companies. Anyway, this called company Experian is supposed to be a mere credit report company. I have difficulty why this credit report company offers the credit card to the client. Therefore, this credit 'report ' company uses its authority, which manage the clients ' or citizens personal information without consent to offer the credit cards for their own benefits without consents of the citizens. All of these, this something called Experian performs illegal action. 

I am sorry I lost my previous reports, which I copied and intended to send repeatedly. Please refer the previous content to those sent to 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 2022-09-19
Company: Bread Financial 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: Account information incorrect

Complaint:
Today 's date is XX/XX/2022. I paid off my balance of {$9600.00} on my XXXX XXXX on XX/XX/2022. As of today ( more than 3 months later ) XXXX has still not reported to the credit bureaus that I paid that amount and now have a XXXX balance on my account and this is affecting my credit score. I attempted to call XXXX to discuss this matter and was told that XXXX was not reporting to the credit bureaus at this time. I explained this was affecting my XXXX XXXX. I was then told I would be transferred to a billing specialist to discuss this matter further. After holding for 5 minutes for the billing specialist my call was then disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received letter dated XX/XX/XXXX for Best Buy Credit Services. The letter is in XXXX so I can't read it. I have not made a purchase with Best Buy since XXXX so I'm concerned about fraud. I called Best Buy and was passed around and no one could help me. 

I have had other identity theft issues since last XX/XX/XXXX. 
The reference number on the letter is XXXX Thank you, 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 2022-11-26
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 u.s.c 1681 section 602 states I have the rights 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 under 15 u.s.c 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose

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 2022-07-28
Company: Block, Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 at XXXX my card was fraudulently used at a smoke shop called XXXX XXXX  in XXXX XXXX XXXX CT in the amount of {$47.00}. I contacted Cash App as soon as I noticed the transaction and inquired about disputing the purchase and reporting my card stolen. As you can see in our chat, they gave me the steps to do so after many hours of waiting. My card was lost and used for this unauthorized purchase. I never found my card. 

On XX/XX/2022 the transaction settled and I was able to dispute it. Today, XX/XX/2022, I received an e-mail saying my dispute was denied and I could check the app for more info which I did, and it said it was because " no error occured and I or someone I authorized made this purchase '' which is blatantly false. I contacted support asking for their reasoning for denying my dispute and was told they can't handle that over chat so someone will e-mail me but I was given no timeline for how long that would take. Back in XXXX I had a dispute for a separate fraudulent transaction which was denied because I referred too many people to their app. I will include documentation of this. I don't care about the money from that as it's probably a lost cause but I refuse to allow them to let me be stolen from AGAIN. 

I believe Cash App is treating me extremely unfairly and they are not protecting me from fraud. I'm unsure if they're discriminating against me because of the referrals I mentioned or if they just treat all of their customers this way but I would really appreciate any and all help in retrieving the {$47.00} that was stolen from me via an unauthorized transaction that I promptly notified Cash App of. I'm unemployed and that amount may seem small but it was my grocery money for the week. Regardless of that, I shouldn't have to lose my money to fraud because this " bank '' refuses to protect me against fraud. I will attach screenshots of the dispute denial reason from back in XXXX ( the referrals I mentioned ) as well as all communication thus far regarding this dispute. Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$2900.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.

Company response to consumer: Closed with explanation