BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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 charged {$69.00} 3 times. When I noticed it I notified my bank. I canceled my debit card and disputed the charges. I gave the bank all the info I had. Their contact info isn't not listed on my statement other than XXXX XXXX XXXX. They're not on the internet. No phone number that I can find. The paperwork from the merchant that my bank sent to me only that states I ordered something. The info is simply my debit card number and my name, no XXXX number, nothingelse. They couldn't provide an item description however. This merchant is listed as an auto accessories store on my bank records. I didn't order any such thing. I've recieved no product. Only after I disputed the charges did the charges stop. Then a supposed delivery came into play. Why after 3 charges over 3 months did a delivery come into it the day after Isubmitted a dispute? I need that money back! I want the NSF charges my bank charged me for pmnts that bounced because of this. I need help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name, address, phone are all wrong across all credit reporting agencies and its affecting my ability to obtain credit for car and home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: CARD Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022, I got a text for a charge of {$1700.00}, {$2500.00}, and {$70.00} all in XXXX Ky. I live in XXXX XXXX Ky and at this time I was laying in bed sick. I reported my card lost or stolen, had the card canceled, and waited for the transaction to post before contacting Card to dispute these charges. I got a hold of them Monday to dispute these charges where my tax money was taken. I then got letters in the mail for a XXXX XXXX who I have NO CLUE who this person, but try to buy a car with my card. Now, mind you every time I call a premium card I have to give my name Social security, address, last four, and so on, but on this day XX/XX/XXXX NONE of that matter because my money was taken and wasn't given back. They keep denying this case but won't send me where they get their information from. Because of this company I lost my home and my car because they allowed money to be used that went elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: In progress
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: LA
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 appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$590.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
On XX/XX/XXXX I sent Equifax a fax with an FTC report and copies of my driver 's license and my social for fraudulent inquiries that I did not make. I called them XXXX week later and they told me the FTC report must say Identity Theft Report. I sent a new FTC report again on XX/XX/XXXX and today XX/XX/XXXX I'm calling and they still don't want to do their jobs. I'm including the letters that I send them in the attachment documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: NJ
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 have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have spoke multiple representatives representatives about activating a netspend XXXX debit card I purchased and loaded money onto. On each and every call the representatives would not help nor give me any information till finally onXXXX representative told me that I had a Netspend XXXX XXXX account that was negative and I explained and over that, that account was not mind but instead of giving me to a fraud representative to make a report they kept sending me back to the automated system which made me put in the current XXXX debit card I purchased and then sending me back to another representative all over again this happen about 12-15 times. Everyone of them said I cant help you and refused to get me to a department to discuss or file a fraud claim on whatever the Netspend XXXX XXXX account they are saying is mine. They were unprofessional and at times transferred me just because they didn't want to deal with the situation. 
I spoke with an agent XXXX who refused to provide myself with his information to make a complaint against him or the many other representatives of Netspend. 
I was told I'm not eligible for a Netspend due to the fact that there is a negative and that is a negative account that I didn't open.

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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This account is over XXXX XXXX XXXX and it is still being reported on my credit report. 

This is in violation of the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-12-04
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: Old information reappears or never goes away

Complaint:
Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was XXXX to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans XXXX rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX XXXX XXXX XXXX with may be considered a debt collector. "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 balance transfer

Complaint:
I have a 0 % Credit card with BA for 12 months. After 11 months I had not paid the entire amount due. I scheduled an appointment with the bank as to ask what to do. When I got there they told me not to worry that we could just take another credit card out. They told me this way I had more time to pay because the card I was using was only 12 months and I should take out another that had 15 months. I was concerned that the extra card may harm my credit but they told me it would only affect about 10-20 points and would go back up once paid. I am not a banker so I was trusting this employee. I waited about 7 days and didn't see the balance transfer so I called him. He told me it takes 10-14 for the card to arrive and everything to transfer. After about 3 weeks I tried to make a payment but the old balance was still on the card. I went into another branch where I learned that this card was only for purchases and not a transfer. This is not what I asked for. Not only did they lower my credit score from XXXX to XXXX I now have to shell out XXXX to pay the old card off, which I was forced to. This was misleading and I believe was an successful attempt to sell me a useless credit card for my needs to benefit someone in the office. Please advise

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 2022-07-29
Company: Affirm Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX someone was accessing my computer remotely, someone called me and stated that my computer had a virus and they need to access my computer do remove the virus for XXXX. When they accessed my computer remotely they made purchases without my consent or knowledge. They made a purchase through XXXX for more than XXXX which AFFIRM paid it in full, and sent the items to another state. I dont know how this happen, but i update my passwords and got another computer... 

I contact XXXX, and they told me they refuse to help me, and told me to contact AFFIRM, i contacted AFFIRM and they said i was liable for the merchandise. Even though my account were compromised. 

Its not fair that i was hacked and made a police report and contacted both companies to stop the shipping when i noticed it. 

Only to be held liable XXXX Order number XXXX AFFRIM LOAN ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is 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
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CO
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 I discovered that a delinquent account has appeared on my credit reports with XXXX and XXXX, which XXXX acknowledged on XX/XX/2022 at approximately XXXXXXXX XXXX XXXXXXXX was incorrectly sent to Credit Collection Services. XXXX stated that this stemmed from invoice number XXXX, but that the information associated with this invoice had misspelled my name and address, and even had the incorrect insurance information. I never received any notification of this bill from either XXXX, or my insurance because even the insurance submission was done incorrectly. I asked XXXX to provide me written evidence of them beginning the process of notifying Credit Collection Services that the bill was incorrectly sent to collections, but XXXX would not provide this evidence. I have already sent a dispute to XXXX and XXXX, but I am concerned that without written evidence this will take time to rectify. I am closing on a car purchase in XXXX and am extremely concerned that this will impact my ability to still purchase this car in accordance with the original tentative terms of the loan. 

When I asked for permission to record the call with the first agent after she said that she could not provide written evidence, the agent denied permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act the XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act the XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, {$25000.00} were withdrawn twice from my Chase business saving account along with another {$25000.00} on XX/XX/2021 by an unknown person. This is related to all my other debit/credit card/checking account fraud charges. They most likely stole my mail and got a hold of my debit/credit cards and then somehow were able to withdraw money from my saving account. I filed a claim with Chase Bank and a police report as soon as I got the news. I received my police report in XXXX after 4 months and it took forever for Chase to receive the police report, problems with their fax/email. Now Chase bank is finally starting their investigation.

Company response to consumer: Closed with monetary relief