BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On Friday, XX/XX/XXXX, I purchased a XXXX prepaid visa gift card for the amount of $ XXXX with a {$5.00} activation fee from XXXX XXXX to use to pay a bill. I logged into the website fine the first time and saw that my money was there. Everything seemed fine at first, but after I set a PIN number, I was unable to log back into the website. I tried multiple times and each time I was told that my card number was invalid, despite me inputing it earlier. I am unable to reach customer service whatsoever despite calling multiple times. Upon further research I have learned that XXXX has a history of fraudulent activity and scams and I just want my money back and to never buy from this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX CARD XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023

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 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America closed my account for potential fraud not done by me in XX/XX/2019 and I have not been able to open a bank account anywhere besides my credit union since. I do not think this is fair as I did not commit fraud, I live in Missouri and the apparent fraud was committed in Arizona at the time I believe. I also had a remaining balance of {$300.00} in that account at the time that I never received back. I would like the fraudulent activity thats stated on my consumer report removed so that Im able to open a bank account at a regular account. This is preventing me from handling day to day business.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: PA
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX : {$4500.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00}

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: EGL US, LLC
State: TX
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/XXXX SPOKE WITH A REP FROM BMG MONEY ABOUT MY LATE PAYMENTS FORGIVENESS DUE TO COVID AND THE REP ADVISED ME THAT THESE LATE PAYMENTS WOULD BE DELETED AS OF XX/XX/XXXX THE COMPANY IS NOW SHOWING 5 LATE PAYMENTS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX WHICH IN XXXX THIS PAYMENT WAS NEVER LATE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}

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 2023-03-04
Company: EQUIFAX, 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:
In accordance with the fair credit reporting and XXXX  account XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed I had 11 late payments on one reporter, five on XXXX and the account was removed on Equifax. I was never late on these accounts and the consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with XXXX XXXX. I have never been late on payments for this account ( XXXX XXXX ) Acct # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Dear Consumer Financial Protection Bureau, Please allow this letter to be the explanation for my complaint : I pre-ordered some products with XXXX on XX/XX/XXXX. There are two orders which the amounts are {$190.00} and {$290.00}. The expected delivery date for both orders was XX/XX/XXXX ( see attached file for proof ). When I received the items, I was not satisfy with them, so I returned them on XX/XX/XXXX. XXXX emailed me to confirm receipt of the items back and promised to refund me within 5-7 days ( see attached file for proof ), however, I never see the refund for the {$190.00} order and was only partially refunded the amount of {$190.00} for the {$290.00} order. 
Therefore, I contacted Capital One on XX/XX/XXXX to open disputes regarding these two transactions, submitted documentations through the link they emailed me. The dispute case number for the {$190.00} order is XXXX and the case number for the {$290.00} order is XXXX. 
On XX/XX/XXXX, Capital One responded me with a letter saying they have 60 days since receiving the statement that shows the disputed charge to reverse a charge on my account. 
According to the Fair Credit Billing Act, I believe my cases are still within the timeframe for dispute to be open within 60-120 days from the order date or delivery date ( whichever comes after ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: Information belongs to someone else

Complaint:
I am writing this complaint on my own behalf there is no third party involved. On XX/XX/2023 - I submitted a packet to Transunion regarding 4 fraudulent accounts listed on my credit report, asking to dispute are remove these fraudulent accounts from my report. This packet arrived on XX/XX/2023. The packet I sent to Transunion is attached in the complaint. To this day, XX/XX/2023, these accounts resulting from fraud and identity theft still lie on my credit report. The law states that a consumer reporting agency is required to block any of the information on the report and/or file of the consumer if the CONSUMER identitfied the information is a result of an alleged identity theft within 4 BUSINESS DAYS after the receipt of the identity theft report and required accompanied documents. Transunion failed to block such information resulting from identity theft - within the four business days of receiving my identity theft report. 
On XX/XX/2023 Transunion notified me of the dispute results, from the initiated date of XX/XX/2023 to be complete. It appeared - three of the four fraudulent accounts came back verified in the dispute results. The results shared the company that reported the information has certified to Transunion that the information is accurate. However, there was no affidavit sworn under oath before a notary public or similarly authorized person - as defined as true verification by Federal Law. I never once received from Transunion ANY form or sworn statement provided under oath nor any affidavit of truth with valid notary signature - therefor no verification has been made per U.S. Federal Law. Unfortunately, these falsely claimed verifications have illegally excused Transunion to continue to furnish fraudulent information on my credit report, lowering my credit score, and drastically TARNISHING my ability to operate freely in commerce. This has kept me from making purchases and necessary moves with my credit, and is negatively impacting my quality of life in commerce.

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 2023-04-22
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:
This is my Follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 information 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 INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-04-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
i transfer money too my td bank account and when I received they closed my account and tell me they will send the check in 90 days, already pass 4 month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-22
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$55000.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: NY
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$70.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$21.00}, XXXX XXXX XXXX XXXX Balance : {$12.00}, XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Bay Equity LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is what I wrote the lender. 

I am writing to express my concern regarding the second trip of the appraisal, for which I have been charged. As you are aware, this trip was arranged between you and the seller, and it was never my responsibility to pay for it. 

I am extremely disappointed that I have been charged for something that was entirely out of my control. It does not make sense for me, as the buyer, to be held accountable for an expense that was not incurred as a result of my actions or decisions. 

I would appreciate it if you could review the situation and refund me the amount that I have been charged for the second trip of the appraisal. I understand that mistakes can happen, but I hope that we can resolve this matter in a timely and amicable manner. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/24 {$25.00} XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$35.00}

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 monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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