BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: CL Holdings LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/22 amount XXXX Pursuant to 18 USC 8, I owe no debt this company is violating my consumer right to privacy pursuant to USC 15 1681 b 2 Company has no Permission To report anything using my info, pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello I have a credit card with USAA fsb and it was discharged and closed back in XXXX. I could no longer use the account as it had been charged off. I have been charged interest fees for advances and fees related to purchases since XXXX and have not been able to use the account since XXXX. I called and argued that since the account had been closed and charged off that I should not be charged these additional fees because Im no longer using the account. I dont believe this is the accurate practice for charged off credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit Karma reported outdated information from 2020 from a creditor. I also contacted the creditor and was told they do Not report to Credit Karma and that I should contact the 3 credit bureaus. They Also reported that the account was open and it was closed. I was told directly by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Bread Financial Holdings, Inc.
State: MI
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 am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX Comenity bank this debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX XXXX  / comenity bank that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Amsher Collection Services, Inc.
State: MI
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 am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with Charter communications, THIS DEBT IS NOT not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report.

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft.

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform CHARTER COMMUNICATIONS bank that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express I called to cancel a credit card and was told to switch to a non-fee card. 

I switched to the no fee card and in the process, auto pay was turned off. 

I received a statement and thought auto pay was still enabled and then subsequently was charged a {$29.00} late fee. 

I paid the statement balance immediately and requested a waiver of the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
i had XXXX XXXX for XXXX XXXX XXXX sold to M & T and raise my payment {$300.00}. ask how is this they said wholesale showed that payment was to be raised. they ask did my property taxes go up it didnt. they ask if escorow go up it didn't. i ask for paperwork showing proof where increase was. it actually showed that payment was XXXX XXXX dollars less. now i ask how is this posible oh we're looking into it. what kind of response is that.

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 2023-02-27
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit 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:
American Express charged an account that was not my account and was asked to return the fund immediately and from that point on kept claiming that they returned the funds to me instead. I have disputed the claims for over 100 days and they kept sending me the wrong amount and charging me interest on the wrong amount. A {$2500.00} returned payment became a nightmare. American Express took it upon themselves to attach an account that was not mine on the app. They attached an account that was not mine. XXXX XXXX asked Amex to refund the account they did. I made the payment from my account after all but they kept charging me interest on the inflated amount. I have taken screenshots of the right account from the online payment account. They have been investigating this matter for over 100 days and still could not solve a basic XXXX grade math problem! I have provided bank statements from the citi bank account showing Amex charge and return after XXXX days. Amex is investigating the matter after 100 days could not prove that I owe them what has been shown in their statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
BOA PREPAID CARD OPERATION : MY Claim number : XXXX I am a victm of EED fraud. I filled a complaint with CFPB on XX/XX/XXXX against BOA prepaid claims department. 

I filed for EED benefits back in XXXX. The money that was rightfuly mines, was stolen from me be sacmmers who used my card to make unauthorized transactions and withdrew money from varies ATMS.I have filed numerous claims with BOA. BOA denied every one : " stating that I made or gave somone authorization to use my card. Which is unture. I did NOT make these transactions nor did I ever give anyone my personal information to do so. I made a police report with my local police department to document the fraud. I have requested BOA to provide evidence that they relied upon to make their decision. but they have failed to provide anything to me. I would like to see ATM footage or any proof to prove that it was me which they are stating. BOA states that I have " the right to request the information that BOA relied upon to deny my claim '' I have requested that information but have not got anythin! It's going on two years now. I have not recieved any of my EDD money. I have been experiencing great harship, I have been evicted out my home and lost alot. I need help to get my money back because BOA is violationg the law. BOA still denied my claim! BOA has continued to violate ( Regulation E ) Federal Electronic Funds Transfer Act.BY LAW, BOA MUST abide by their ZERO LIABILITY POLICY which is supposed to protect me, The customer from responsible for fraudulent transactions!

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I applied for a XXXX XXXX position on XXXX, believing it to be a legitimate job opportunity. After the interview, I received an offer letter and completed a W-4 tax form. Subsequently, " XXXX XXXX '' ( XXXX ) sent me a check for {$4900.00} to cover the costs of purchasing work-from-home equipment, including a computer, printer, fax, and software. I deposited this check into my Wells Fargo account on XX/XX/XXXX. The next day, on XX/XX/XXXX, I transferred {$1500.00} via XXXX XXXX to XXXX XXXX for the intended equipment purchase. Later, Wells Fargo informed me that the deposited check was fraudulent. Despite the initial appearance of the funds in my account, I now find myself owing Wells Fargo {$1500.00} due to this transaction. I've explained to Wells Fargo that I was scammed, but they insist it was my fault and are unwilling to work with me or help me retrieve the money. This situation feels deeply unjust, as I had relied on the funds being genuine. While I may have found information about XXXX XXXX online, I am hesitant to reach out directly. Therefore, I am reaching out to Consumer Finance in the hopes of resolving this issue and having the {$1500.00} returned to my account, which is currently overdrawn. I have attached the following documents for your reference : - My conversation with the scammer in a PDF.

- Their XXXX XXXX information. 
- The offer letter that I signed. 
- The completed W-4 form. 

Below is the possible information for XXXX XXXX : Name : XXXX XXXX XXXX Age : XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Current Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX 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 2023-10-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I was charged two separate charges for XXXX dollars each saying I had purchased something, the transaction showed up the next day, I talked to my manager the same day they said they had no clue about the charges. The next day I dispute the charges with my bank, Chase on XX/XX/XXXX. They gave me a credit refund for the charge and cancelled my card. Today XX/XX/XXXX I the credit refund was reversed. I called my bank to ask why and they said because the chip had been used no further explanation just the chip had been used I never gave anybody my card to use and two charges were there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
Company information. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went into a jewelry store to look at some XXXX watches between XXXX-XXXXm on XX/XX/2015. A salesman talked me into seeing how expensive of a XXXX I could finance. It was a Sunday and I thought " why not? ". The guy sat me down, and asked me for some credit information. Told me I could afford {$2400.00} of watch to finance. I did not purchase anything at the store and walked out. Shortly after, I received a credit card in the mail - I thought it was a fake promotional card. It was a card from this jewelry store, account opened XX/XX/2015, the same month and the first and only time I entered that store. The salesperson did not have my permission to open a credit card account, and I never knowingly gave my consent for him to do this. I was asked for my financial information under the notion that it would be used to determine my credit worthiness - opening an account under my name was NEVER mentioned. As soon as I received the credit card, I called the creditor to cancel the account. 

I have attached a screenshot from my credit report - the trended data shows that I never used this card. I never had use for it because I was never interested in applying for a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Synovus Bank
State: GA
Product: Credit 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:
All XX/XX/. All from XXXX store number XXXX ( New Mexico ). Amounts on all 5 transactions {$18.00}, {$18.00}, {$20.00}, {$30.00} and {$23.00} I live in XXXX XXXX number is New Mexico XXXX I have not traveled anywhere out of state of Georgia. Next day XX/XX/ I noticed the charges and called the card company and reported it. I was told they took the report and it may take 90 days for the investigation. XX/XX/XX/XX/XXXXwas closing date on the account. Card company showed to credit Beu the charges and over 60 % utilization when in fact I had it paid off before the fraudulent charges. They sending me a new card and shut that card off but refuse to credit my account or freeze it. Matter of fact they said I need to pay at least minimum do until investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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