BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with ( XXXXXXXX XXXX name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE. The account is ALSO reporting late payments which is illegal because a closed account is not supposed to report late payments.

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 2023-12-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I requested a credit " limit '' increase on several occasions and was denied each time. However, per American Express ' XX/XX/2023 XXXX filing with the Securities and Exchange Commission ( SEC ) , on page 55 section 5 : Asset Securitizations, it conspicuously states, 5. Asset Securitizations We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account XXXX XXXX ( the Lending Trust ) and American Express XXXX XXXX XXXX ( the Charge Trust and together with the XXXX XXXX, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. 

Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. American Express is knowingly and willfully violating the Equal Credit Opportunity Act ( ECOA ) as well as the Consumer Credit Protection Act ( CCPA ). As an investor in American Express, I am due just compensation. I demand American Express to act in honor, and in good faith with clean hands. If American Express fails to do so, I will be forced to hold them liable to the full extent of the law and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Transaction was not authorized

Complaint:
I was sent and charged for an item of women 's clothing that I never ordered from an online company called XXXX. The weird part is, I was shipped the item, but again- I DID NOT order it! I immediately opened a dispute claim with my bank, Chase, and tried to contact the company XXXX on multiple occasions to see how to return the item so that I can get my money back. My bank initially credited me back the {$43.00} charge and cancelled that debit card, but as of yesterday, they have once again charged me. When I called Chase Bank, they stated that dispute was overturned and there is nothing more that they can do to help me and that I would have to take it up with XXXX. I tried to explain to them that I have tried on multiple occasions but have had no luck. There is only an email address, not a customer service phone number that you can talk to a live person or leave a voicemail at the company XXXX. I am a XXXX XXXX  student and this money was stolen from my high school savings account. I am saving to pay for a car and college and am very frustrated and upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hackers used my social security number and drivers license to try and open an account! It was denied, but I received a letter from the bank!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 called TRANSUNION ( on this day and the time you did ) reporting inaccurate information from alleged creditor name by XXXX XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information.

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file. 

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have reached out to ALL XXXX credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with XXXX XXXX name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

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 2022-07-30
Company: Experian Information Solutions Inc.
State: LA
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 have reached out to ALL XXXX credit bureaus- XXXX XXXX Experian XXXX XXXX XXXX times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
15 USC 1681a ( 2 ) ( a ) ( i ) REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ACCOUNT - 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 2022-09-26
Company: Frontline Asset Strategies, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX sent a debt from XX/XX/2020 to collections. I received no notice that they had not received payment. I received no notice that they were sending it to collections, and I received no notice that my credit score would be affected. They have violated the FDCPA twice ( statute of limitations and disclosure of debt ). 

The alleged debt is for {$100.00} owed on a device after I switched carriers. They informed me they would have reached out to me via email. The last email I have from them is from XX/XX/2020 for a cell spot booster return. XXXX has been unable to furnish any records showing they contacted me regarding the debt. 

I have spent nearly four hours on the phone with XXXX. They would not escalate me to a supervisor. I was hung up on twice. 

I have been messaging XXXX on XXXX. They will not furnish correspondence and refuse to put me in contact with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I called all 3, XXXX Experian & XXXX and gave conformation details on XX/XX/19. Nothing was ever changed. 
I filed disputes on XX/XX/19 Dispute report # XXXX. Alert on Dispute came XX/XX/19.  Nothing was changed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: LA
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 have reached out to ALL XXXX credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is in regards to an unauthorized online wire transfer from our savings account with Well Fargo Bank See below what has been happening : On XX/XX/2022 my husband with whom I share a joint saving account went to get money from his checking account and then realized that money was missing from the joint saving account. He then called me and I told him I did not take any money and that I would check the account as soon as I got home. I went home immediately on the morning of XX/XX/2022 and logged into my online banking account. I then noticed that {$24000.00} was wired to an unknown person along with a {$30.00} wire fee. I called the bank and spoke to a representative who had me changed my username and password and then transferred me to the fraud department. They took my statement on the phone and told me that an XXXX would contact me with 2 days. XXXX Saturday XX/XX/2022 my husband went into the bank and spoke to XXXX XXXX who assisted him in changing out his account numbers. On Monday XX/XX/2022 an XXXX called me around XXXX pm from Wells Fargo and I added my husband to the call. She asked us some questions and told us we would hear back from them in 10 days. On XX/XX/2022 Wells Fargo send us a letter dated XX/XX/2022 I went into the bank on XX/XX/2022 and no one was available to speak with me about the letter and they told me to call back the number on the letter. I called back the number on the letter XXXX and on Wednesday an XXXX called and told me that the activities happened with our username and password, I told her we never authorize that money to be wired, she told me that I would not be getting any money back and the claims is closed and can not be reopened. I asked her if this is the way they treat a customer that has been with the bank for over 19 years. She said it was our fault and she would not have any other conversation with me. I dont know what else to do to get back our money. If there is any suggestions you can make that would be greatly appreciated. Thanks so much.

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 2022-07-30
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 the accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

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 2022-07-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CCF Intermediate Holdings LLC
State: DE
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:
On XX/XX/2023, speedy cash responded stating the issue had been resolved. However, the hard inquiry remains on my credit report and has continued to cause negative ratings against my profile for the last 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX CO 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi, My name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are stopping me from buying a home. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My neighbor has imposed continual maintenance problems on me with landscaping the drainage ditch next to my house. The area has my water pipes, a power line for the street light, and some appliances reside along that wall. My insurance agent will just raise my insurance. I believe my house is being flooded with high radio frequency ( RF ) waves, this caused the street light to go out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation