BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: IA
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 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. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
Equifax and XXXX are both reporting payment history while XXXX XXXX is not. Was I late? When was I late? I don't recall ever being late on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 I spent {$520.00} on auto insurance, and the transaction was posted to my bank account on XX/XX/2022 in which I canceled the auto insurance policy and I didnt utilize the auto insurance services, the insurance company didn't provide me with auto services so I contacted my bank to put in a dispute and my bank is refusing to provide provisional credit for my claim. This transaction was a debit purchase with Bank of America and not a wire transfer to another bank. On XX/XX/2022 the bank closed my account without notice and they put my claim on hold. Bank Of America is committing business malpractice and consumer fraud. The Bank is violating banking regulations such as banking regulation E by not providing my provisional credit and retaliating against me for complaining about them by closing my account without notice and closing it without issuing provisional credits, I spoke with a representative who denied to provide my provisional credit on XXXX, XXXX, XXXX  around XXXX. Bank of America stated its up to the auto insurance merchant if whether or not they want to give me my provisional credit or refund. Bank Of America is violating federal banking laws such as Regulation E. A dispute is a dispute and the merchant normally disputes it not grant it. If the insurance company is sending me online bills although I dont have insurance with them then they will not grant a dispute against them. Bank of America is not following banking procedures, they are negligent and unprofessional. Its now XXXX  days and Bank of America has not submitted my provisional credit. I had the auto policy for less than XXXX days and I canceled it in less than XXXX  days.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 non-monetary relief
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-27
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I noticed this account showing up on my credit report I sent a letter to Aargon Collection Agency attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages. 
I also tried to dispute this account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and I haven't seen a fair outcome.

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 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by Human Resources from my old employer on XX/XX/XXXX with a garnishment. I appealed the garnishment and went back to court XX/XX/XXXX. On XX/XX/XXXX the judge lifted the garnishment and set a new trial date for XX/XX/XXXX. 
On XX/XX/XXXX, I contacted XXXX and XXXX on behalf of Bank of America and disputed the debt due to Fraud/Identity Theft. I also contacted Bank of America and they said that the account was opened in XXXX and the last activity was in XXXX. They stated that they are not able to help me because it is not reporting on my credit any longer. XXXX and XXXX who is the attorney on behalf of Bank of America will not provide me with any documentation. I asked for verification of debt, or a copy of the application and I have not received any documentation. 
XXXX and XXXX served a Warrant in Debt to an old address and obtained garnishment. I sent the courts the paperwork to reflect that I was not a resident of XXXX  at that time and was a resident of XXXX. We had a telephonic interview. They rescheduled the court date for XX/XX/XXXX and I have to drive 4 and a half hours for a debt that I did not take out. 
I am looking for XXXX and XXXX to stop their collection action on a debt that 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 non-monetary relief
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT VERIFIABLE PERMISSIBLE PURPOSE RE : REFUSAL TO SEND ACDV, CARBON COPIES, FROZEN SCANS RE : REFUSAL TO SEND INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT I AM COMPILING ALL INFORMATION PRE-LITIGATION/PRE-ARBITRATION I XXXX XXXX/Federally Protected Consumer to XXXX, XXXX, EXPERIAN. I am a natural person who is at all times relevant. 

Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. WHY WERE EACH OF THESE INQUIRIES MADE AND PLEASE SEND ME EACH COMPANY PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 
Your agency has stated you have completed a proper investigation into EACH ACCOUNT I previously requested your agency investigate. Your agency stated you have contacted each Creditor And you verified each account in question as verified accurate, correct, and complete. PLEASE SEND ME PHYSICAL VERIFIABLE PROOF FROM EACH CREDITOR IN QUESTION OF PROOF EACH ACCOUNT IS REPORTING ACCURATELY, CORRECTLY, AND COMPLETELY. 
( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY PLEASE SEND A COPY OF EACH INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of consumer reports

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 2022-08-20
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
Tried to purchase gas at XXXX on XX/XX/2022. Swiped my card twice and it said see cashier so I used a different card and never successfully bought gas with this card. I was charged {$100.00} twice for the two times I swiped my card. XXXX customer care looked up my transaction and has no hold on my card its the serve card holding my money. I have called them everyday this week and have been told different answers. When I called at the time the charges happened on the XXXX I was told they could not help until the transaction was complete. I call back a few days later and they said it could take up to 7 days. I called back today now they say 8 days. I asked to talk to a supervisor and waited for half an hour. A person picked up and said escalation call back and hung up. I have made all but certain that it is the card issuer holding funds on my account and wont release them. And the varying answers about when my money will be off hold makes me think its a scam. They also keep saying its XXXX holding the money but XXXX clears transactions after 48 hours. Serve took {$200.00} for gas and I would like it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: TN
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:
Experian sent the attached letter to me in response to my advocates reaching out to Experian on my behalf. 
I wrote to my State Senator and to the US Secretary of Veteran 's Affairs for help. When they reached out to Experian, the company refused to allow them to advocate on my behalf. 

Experian dismissed my advocates work on my behalf in what is a clear violation of the Fair Credit Reporting Act. Furthermore, Experian claims my request for advocacy is " alleged '' and they seem to be acting in a vindictive manner toward me as a result of my dispute of their false claim that I have an " insufficient credit history, ' when I have an extensive, positive credit history dating back over XXXX  years. Experian should not act in such a childish manner and I have reinforced my position with Senator XXXX and Secretary XXXX on this point. 

Please ensure that Experian is revealed to be the out of control organization that they are, having made the decision to punatively sanction me ; A person who served his Country twice with honor - once as XXXX XXXX military and again in XXXX  XXXX XXXX, but who isn't even allowed to open a checking account at XXXX XXXX XXXX XXXX now because of Experian 's vindictive actions against me.

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 2022-08-20
Company: Self Financial Inc.
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: Information belongs to someone else

Complaint:
I've recently checked my credit report and noticed that its accounts on my report that aren't mines and I'm overall new to credit and want a fresh start since these accounts aren't mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I've recently checked my credit report and noticed that its accounts on my report that aren't mines and I'm overall new to credit and want a fresh start since these accounts aren't mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: AZ
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 the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XX/XX/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 2022-08-20
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal case XXXX My credit card company never got the {$44.00} refund that paypal sent. I disputed this transaction to recover my {$44.00} since the credit card company never got the money from paypal. I have record showing I never got the {$44.00} refund. I expect paypal to undo the notice of debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
An 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 Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
An 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-22
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The Discover Credit Card company has been double charging me interest/fees for over a year. The company made it a routine to itemize the interest fee and then add a slightly larger amount to the overall balance. This has been occuring for a very long time and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( account name and number ) have 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 explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: GA
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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