BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I have a Bank of America rewards credit card. When I applied I was offered cash back. Per the terms and conditions, it stated I would get {$25.00} for every XXXX points. I have points that add up to almost {$9000.00} cash back. I am not allowed to redeem it. I have points from last year of 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 2023-07-12
Company: EQUIFAX, INC.
State: UT
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 found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX, PA XX/XX/2023 I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this XXXX question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 

1 more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete!! these accounts immediately or you will be held responsible for {$1000.00} per violation Send me updated credit report with the accounts permanently deleted

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem with personal statement of dispute

Complaint:
I have been leasing my car since XX/XX/XXXX. My car is a XXXX XXXX XXXX, I pay {$640.00} month. I am a senior citizen ; I have a XXXX degree which I earned while working full time and graduated in XXXX. I want to buy my car. I have been told since my credit score is not high enough, I would have to pay XXXX dollars more in order to get financing to pay for my car. I have paid off a considerable amount of debt. I did get behind on car payments and other debt. I have paid off most of my debt except for school loans. I am current on my car payment and orther credit and have been for many months now. I am more than a credit score. I have worked hard all of my life and I feel I am being discriminated against because of a credit score that is in the high XXXX XXXX range. Something must be done about economic discrimination that has not adjusted to the fact that in XXXX there was an pandemic coronavirus that has greatly impacted individual consumers and families. Why should one have to pay more because their credit score is XXXX? I am underemployed in that for years I have sought an employment position that incorporates my advance education status and significant and accomplished career history. What can be done about credit scoring that has not adjusted to the reality of our economy? What can be done about economic discrimination and exclusion? 
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 2023-07-27
Company: EQUIFAX, INC.
State: TX
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXX/XX/XXXX, CA XXXX XXXX PA XXXX XXXX XXXX Balance : {$21000.00} ; XX/XX/XXXXXXXX Balance : {$8300.00} ;XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$2600.00} ; XX/XX/XXXX XXXX Balance : {$160.00} ;XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX) XXXX Balance : {$2600.00} ; XXXX 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 2023-02-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got charged fees after fees leaving my account in XXXX USD, when tried to get in touch I did not received a response, this problem was from early XXXX to later XX/XX/XXXX, Wells Fargo closed the account without any possibility to reopen again and left it negative instead of bringing the account back to XXXX despite my efforts to continue to use it, I did not want to pay so many overdraft fees so after a lot of back and forward I gave up on it, later on the reported to early warning services when I do not owe them anything and even if I did owe them any amount I was willing to work with them as long as these fees were taken out

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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was notified by email that an application was pending for an account in my name at Bank of America. The next day I also received another email stating my account was approved and open. I contacted customer service at Bank of America and reported this account as fraudulent, I was reassured it would be addressed/closed and it has not happened. I personally placed a " fraud alert '' on my credit report. I had never applied or opened the account, or given them any information, such as my email address, social security number, etc to be able to open an account in my name. I have received the debit card and welcome letter pertaining to said account. I have not received any recent communication from Bank of America regarding the status of my complaint or explanation of this " new account '' Thank you. I can provide copies of the " welcome letter '' and of the actual debit card that I received in the mail if requested.

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 2023-02-16
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-02-10
Company: Experian Information Solutions Inc.
State: OR
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:
XX/XX/2023 at approximately XXXXXXXX PST, I received an email from Experian about a change to my account. It stated that a vehicle was added and that this was NOT a marketing email. I logged into the Experian dashboard which led me to the " XXXX '' products section and confirmed a XXXX was added to my account. I clicked the " manage '' button to remove the vehicle. 

I called support the next day ( today, XX/XX/2023 at XXXXXXXX PST ) and asked why that was added to my account ( worried it was fraud ). Support told me it was just a marketing email, however, the email specifically says its NOT a marketing email but an actual account change. Support refused to help me remove it on their alerts system and said " someone will contact you about it but there is no ETA ''. I asked to speak to the dispute department where I was next transferred to. 

Dispute department said since it's auto related, they can't help and only member services can. So she routed me back to the member services team. Member services said it was a new product that experian was promoting by trying to alert certain customers, so that they can generate product costs and see if we were ultimately interested. I asked why they would intentionally and unlawfully add a vehicle to my account and claim its a marketing email, when the email specifically states its not marketing. She had no response and said they would try to remove the car from my alerts and account. 

Experian is intentionally manipulating and adding false information to my account in order to trick me into buying products from them and claiming its not actually happening ( gaslighting ). This is absolutely unacceptable on top of illegal and I believe they are sharing my info to third party businesses to rope me into their unethical and illegal sale tactics. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
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:
This was my fifth complaint informing Equifax Bureau that I was a victim of identity theft and this is another request to block and remove the remaining fraudulent inquiry from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/2023 ). Ive already included this report in my previous letter & I am including it again. Whats more, the details that the Equifax Bureau provided in this remaining inquiry was UNKNOWN to me and this inquiry was already REMOVED from other bureaus and so I have doubts about the reporting accuracy you had with regards to this inquiry : EQUIFAX : XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Atlanta Check Cashers, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
The company just flat refused to cash my money order. Said they dont cash them any more. Even though they did 2 weeks ago. The refused to cash one last week because they claim I didnt endorse it in front of them. 

I personally believe I was being racially discriminated against being a successful hardworking XXXX  man.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 make it unequivocally clear that I have no affiliation with this account, and I bear no responsibility for any associated transactions or debts. This account 's presence on my credit report is not only inaccurate but also a direct result of identity theft. I am taking immediate steps to address this matter and request that your bureau launch a thorough investigation into the fraudulent account 's origin and activities. I am providing this dispute letter as an official notification of my identity theft claim and as a formal request for the removal of this fraudulent account from my credit report. I also understand the importance of complying with the law regarding identity theft disputes. I have filed an official report with law enforcement agencies, and I am prepared to provide any necessary documentation to support my claim. Account Details : XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : XXXX. Please delete this account immediately.

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 2023-10-04
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: Personal information incorrect

Complaint:
1. In XX/XX/2022, the Plaintiff notified TransUnion LLC, and XXXX XXXX XXXX XXXX about him being a victim of identity theft, he also gave the them a copy of the police report and requested validation of the account. 
2. The XXXX XXXX XXXX XXXX account is still being reported inaccurately, and incorrectly on my TransUnion credit report. Which means XXXX XXXX XXXX XXXX failed to provide timely and accurate information to me concerning the account in question, according to 12 CFR 1024.38. 
3. XXXX XXXX XXXX XXXX deprived my rights by validating an inaccurate, and incorrect account with TransUnion to publish this account on his credit report. 
4. XXXX XXXX XXXX XXXX also failed to validate the account with the third party XXXX XXXX XXXX. 
5. Once I requested information in writing regarding the account that is published on my TransUnion credit report, XXXX XXXX XXXX XXXX denied the account in question and didnt provide any further information about the account, which they are in violation of 12 CFR 1024.36. 
6. TransUnion failed to block the inaccurate XXXX XXXX XXXX XXXX account resulting from Identity Theft within 4 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ACCOUNTS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my file. 
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