BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a U.S. Bank National Association XXXX XXXX XXXX for {$100.00} at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ. When my niece went to use her graduation gift card a few weeks after I purchased it, she kept getting an " invalid card number '' from the site she was attempting to purchase from. She tried calling the XXXX service number on the back of the card for help. The recording stated they were having a large call volume and to call back another time. The call was then disconnected. She mailed it back to me and I tried calling the number as well. I got the same recording and disconnect. I tried calling several days in a row and continued to get the same recording no matter which option I tried. I was unable to get in touch with anyone at the number listed on the card. However, I found an article online that discusses this same scenario happening in 2015 with compromised U.S. Bank National Association XXXX XXXX sold at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in AZ, is a sister company of XXXX. I attempted to speak with the XXXX at the location on XXXX XXXX where I purchased the gift card. She said she didn't know anything about it and there was nothing they can do as gift cards are non-refundable. I get that but why is XXXX still selling these compromised cards 7 years after it was brought to their attention? These cards should be removed from the XXXX  shelves until U.S Bank figures out how to handle the compromise.

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 2022-09-20
Company: EQUIFAX, INC.
State: OK
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
About 2 months ago, I tried to link an external account to my Ally account but got an " unexplained error. '' I am not unable to link any new external account from within my Ally account. Over the past XXXX  months, I have chatted and called in 10+ times, always waiting on hold for XXXX minutes. When I speak to a rep, I am always told the case ( case ID XXXX ) has been " escalated '' and I will receive a call back in 1-2 days once the issue is resolved. 

I was eventually told that while Ally 's external account limit is XXXX, and I have about half that, because I have previously had XXXX ( over my history with Ally ), the system has a flaw where it's still thinking I've hit the max number of external accounts. Ally 's solution is to raise my external account limit. 

Every time I call, I am asked to retell my story from the beginning. A few days ago, I finally learned that while the case had been " escalated, '' it was labeled " low priority, '' even though every prior rep had specified it was labeled " high priority. '' Additionally, whoever initially created the case filed it with Ally 's " Loss Prevention '' department. I spoke to a rep in that department who apologized it had been incorrectly filed to them but that he had no way of changing how it was filed. He suggested I call Ally 's " ACH Ops '' department, but when I call back the next day, the rep wasn't able to locate any department by that name/type. 

This is an incredibly easy fix : either raise my external account limit or fix why the system is seeing previously-deleted accounts as still present. Ally is my and my wife 's primary bank, and we regularly keep around $ XXXX present, but we will be unable to continue using it is this issue isn't fixed.

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 2022-06-25
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage company is Planet Home Lending. In XX/XX/2021 they recalculated my mortgage payment due to my receipt of XXXX XXXX  VA XXXX and waiver of my requirement to pay property taxes. My payments were now principal, interest, & homeowners insurance. The correct amount I have consistently paid on time since XX/XX/2021. Planet calculated incorrectly and, despite paying the correct amount on time, Planet continually has reported my payments late. I tried contacting them over the past months and I am left on hold for an hour or more. When finally reaching someone in XX/XX/2021, Planet initiated another recalculation confirming my argument. Even still, Planet has continued to report me delinquent on my credit report regardless of the fact I have and continue to make my required payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: AMERICAN EXPRESS COMPANY
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:
Fraud was committed on my American Express. My original purchase was declined by American Express, so I used another credit card. After my other credit card went through, American Express went back and charged my card. I submitted documented proof of this. I also had a credit balance on my American Express account of {$3000.00}. American Express did credit my account for the fraud, but then that would change and go back and fourth. No matter what I do, American Express will not send me my money. I requested a wire transfer that takes XXXX business day... I did not want a check. Thus far, American Express has lied to me : We sent you an email... no they didn't... We sent you a check, no they didn't. I sent wire instructions XXXX times. I got the wire transfer instructions directly from my XXXX account. American Express contends they have the wrong instructions, or they've sent a check or they've done something, but they've done nothing. This has been going on for several months. I've spent hours on the phone with the fraud department and hours in the chat room. No matter what I do, they won't give me my money. 
I tried calling CFPB, but I don't have a cell phone... The phone I use does not work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX  # XXXX and XXXX XXXX  # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
How many letters and how many complaints will it take me to have the Credit Bureaus take action and have the disputed items corrected on my Credit File? 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance {$13000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: NV
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 Fair Credit Reporting Act, Original creditor : XXXX XXXX Bank XXXX # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out. The following Inquiries need to be removed immediately as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXXXXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
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 requesting to remove all negative accounts which I listed in Identity Theft because all accounts are not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am trying to resolve an issue that has been ongoing for years. 
There are XXXX XXXX XXXX secured credit accounts that have been appearing on all 3 of my credit reports for years now. I reached out to XXXX  many times without getting anywhere. 
Ive never had any secured cards with XXXX. 
Every time I call the numbers provided I get a different answer with no resolution to the problem. 
Its been so frustrating. I can not even speak to a live representative half the time without having a card number, I do not have a card number so I just get stuck talking to an automotive system for hours sometimes. 

The representatives are over seas. So when you do finally get ahold of someone, they do not understand your problem or they transfer you back to the main menu before youre able to explain how you just were there Any time Im lucky, I get the representative live on the phone, they say they are unable to find any secured card with my information. 
I explain theres something there because its effecting my credit score in a very negative way and its on my credit report, one of the account say they were open XX/XX/XXXX And the other says it was opened XX/XX/XXXX. Thats the only information provided other than its XXXX XXXX and its for two secured credit cards. 
Please help get this off my report. Its haunting it for years. No one seems to understand that on their end. 

When the representatives said they couldnt see anything or provide info I feel so helpless. 
I need these two accounts taken off of my credit reports, Please. 
Ive been fighting XXXX XXXX for many years now. Its preventing me from making life purchases. 
One account says {$99.00} and the other says {$98.00}. Such tiny amounts. Why are they on my credit profile. 
Delete delete delete!

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Fair Credit Reporting Act, Original creditor : XXXX XXXX Bank accnt # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out. The following Inquiries need to be removed immediately as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXXXXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely 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 2022-09-20
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. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX 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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: GA
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:
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. 

has violated my rights. Or a list of inquiries : 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I sent Transunion a dispute on XX/XX/2023 in regards of inquiries but have yet to get a response in regards to the documents because these items were not done by me.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
How many letters and how many complaints will it take me to have the Credit Bureaus take action and have the disputed items corrected on my Credit File? 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance {$13000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00} Date opened XX/XX/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