BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: MO
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, 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 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 2022-06-21
Company: EQUIFAX, INC.
State: MO
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, 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, 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 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 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I noticed a finance transaction of {$3000.00} on my XXXX credit card bill which I did not recognize. I called Bank of America and spoke to an agent, who told me I was a victim of ID theft, and said he would cancel the credit card and start a claim to get my money back. After hanging up, I reviewed past statements to see if there had been any other unusual activity, and saw that the exact same type of financial transaction for the same amount had occurred in XXXX, for a total of {$6000.00} in fraudulent charges. I called again and spoke to a different agent, who said she didnt see any record of the claim I had just made and would fix it. 

A week later, I received a new card. Several weeks later, I had not received a refund or any follow up communications from Bank of America. I called on XX/XX/XXXX to check on the status of my fraud claim and spoke to an agent who said that no fraud claim had been submitted and that he would correct this. 
A week later on XX/XX/XXXX, I received a refund for half of the total amount from the fraudulent transactions : {$3000.00}. I waited another week and called to see when the remaining {$3000.00} would be credited to my account. An agent assured me it was being processed and that I would see it posted in a couple days. Its been another week with no action or follow up. 

Meanwhile, the bank is charging me interest and fees on the fraudulent amount which they have done nothing about for 2 months. I have been a customer for 20 years and have always paid my bills on time. It is very frustrating to be treated this way when I am the victim here. I just want to be made whole and then end my relationship with this terrible financial institution.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 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 2022-06-21
Company: EQUIFAX, INC.
State: TX
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 did not authorize nor consent to the following inquiries being furnished on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Credit Card Account Number : XXXX To whom it may concern, I have tried several attempts to get in contact with Truist credit card department in regards to the account listed above. I want to settle this account once and for good but Truist is not responding to any of my attempts. 

I tried calling, left voice mails, sent letters the last letter was mailed certified in XXXX and tracking shows that it was personally picked up at the post office ( Tracking ID : XXXX. My last hope to get in contact is through you and I look forward to finally settling my account. 

I have also e-mailed the CEO and was told that my letter was forwarded to the appropriate department but I have yet to receive a response and it's been more than a month since my last attempt.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-08-03
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-21
Company: JPMORGAN CHASE & CO.
State: AZ
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/22, I woke up to an unfamiliar charge of {$4.00} pending in my account to XXXX XXXX. I had not made a purchase at XXXX, XXXX, and verified through my purchasing history that I had not made that charge. I contacted Chase Bank to begin the fraud process. I was transferred to that department where I indicated the transaction was fraud, not a dispute. The person I spoke to indicated to me that I would need to contact XXXX directly to cancel the transaction. I brought my sister into the call, as she had experience in this department at another bank. She made it clear that the charge was fraud and the card needed to be canceled and reissued. The man continued to argue about contacting XXXX to handle this instead, before finally choosing to agree to cancel the card, credit the account, and open a fraud investigation. Initially he planned on sending the card in the total 2 week processing time, but my sister was able to empathize the importance of expediting the card. Later that day I noticed the credit for {$4.00} and assumed it would be handled. The next morning, XX/XX/22, I noticed that the credit had been reversed and the fraudulent payment was again on my account. I decided to wait until the next business day to see if it was removed again. On Monday XX/XX/22, I went to make an online payment using XXXX XXXX  with another card of mine, and inadvertently charged the canceled card. I waited for the payment to be rejected, but it wasn't. It turns out my compromised card was never deactivated. It is concerning how this was handled. Ultimately my account was left compromised for days after they were notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an XXXX gift card from a local XXXX store on XX/XX/22 at XXXX using the Capitone credit car, in the amount of {$100.00}. I was not able to redeem the amount after I got home as the XXXX gift card system stated the gift card was already redeemed. After speaking with XXXX they advised the gift card was redeemed at XXXX, which was before my purchase was made. I went back to XXXX store manager, who refused to issue the refund due to XXXX gift card policy, however, he did mention that another customer had the same issue. XXXX customer service advised they flagged the account that redeemed the gift card, but not able to release account information to me because of privacy issue. 

I filed the transaction dispute with Capital One. Capital One requested a copy of the purchase receipt, which I provided via fax. Capital One also requests proof of contact with XXXX, such as email. I explained that this is purchased in the store, where I spoke with the store manager in person, there is no written contract with the store. Capital One refused to issue chargeback to XXXX due to my lack of proof of dispute. 

I hereby to request Capital One to contact either XXXX or XXXX to get this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: OneMain Finance Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan with One Main financial in XXXX, Maryland. have had this loan for over 5 years. For what ever reason I can not use a check. I always pay with a debit card. When I tried to pay my bill in XXXX by logging into my account on XXXX XXXX it would not take. Then on XXXX XXXX I tried to log into my account and pay my bill. Once again it would not take. I called the XXXX XXXX number and the customer service representative tried to put it through. He stated it was something wrong with the system and he tried to put it through several times using my debit information. I told him I would call back. Then he advised he was going to try it using my checking account I had on file. I explained to him my checking account did not work with their company. He stated he was going to try. He then advised the system took the checking account information and he gave me a reference number. On XXXX XXXX I received an email stating my check was returned and I needed to pay my bill. I went on line on XXXX XXXX and paid the monthly amount I owed. Later that day I received a call from the One main branch in XXXX, Maryland advising I needed to pay the late fee. I tried to explain and the young lady from One Main Financial was not having my explanation. I ended the call telling her to have a nice day. I just received another texted XXXX XXXX stating my monthly bill is due. I went on line and my balance is still the same and it says I owe a late fee {$26.00} I feel like Im being harassed into paying a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank closed my checking account XX/XX/2022. I deposited a check from a previous landlord in there for $ XXXX the security deposit refund. 

They closed my account for no reason, after my check had cleared and everything! The check was legitimate. 

My account is closed and I am wondering where my {$830.00} is. Chase Bank did a debit dda- check charge according to a letter I received on XX/XX/2022. 

My money was taken away from me. I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND EXPERIAN NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES In accordance with the fair credit reporting act XXXX  account # XXXX was paid in full Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, While checking my most recent Transunion credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. TRANSUNION DID REMOVE ALL UNAUTHORIZED INQUIRES AND XXXX NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES In accordance with the fair credit reporting act XXXX  account # XXXX was paid in full Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section XXXX Also state s consumer reporting agency can not furnish a account without my written authorization

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 2022-11-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax - I called, Online request and forms and handwritten certified letter in XX/XX/XXXX the letter requesting Inquiries be removed because they were not mine and all other agencies ( XXXX XXXX ) worked with me and the inquiries were removed. Equifax is not even trying and I followed all steps requested but they send generic refusals to me. There were 13 inquires to be removed and they failed to properly remove it after I did my due diligence and reporting. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: GA
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. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) DEPT OF EDUCATION/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 2022-11-27
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:
XXXX XXXX  ACCT # XXXX Amount : {$330.00} Date Opened : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

XXXX XXXX - XXXX, XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) DEPT OF EDUCATIONXXXX XXXX XXXXXXXX, 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