BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XXXX {$9400.00} worth of fraud was charged to our bank account. Bank of America alerted that there was suspicious activity on XX/XX/XXXX and put a halt on our card. After speaking with a bank representative on the phone and confirming the fraudulent charges, the bank created a claim and we were told that the claim would be reviewed and the money should be recovered. We had instances of fraud in the past and knew the process the bank used in the past so we knew what the next steps would be. 

We waited and heard nothing until XX/XX/XXXX when i received a letter in the mail dated XX/XX/XXXX. This letter seemed vague and unofficial. It explained that the claim was denied based on the information they received that stated all the authorizations were authorized. I received no proof, no paperwork .... no information other than that the claim was simply denied. 

The $ 9000+ charges are all XXXX XXXX. I am a XXXX XXXX XXXX mother married to an XXXX. We do not and have never used or purchased XXXX XXXX XXXX XXXX XXXX etc. You can clearly see from our banking history dated all the way back to XXXX that we do not purchase XXXX XXXX and would never buy {$9000.00} ( Our life 's savings ) worth of XXXX etc for our family of XXXX. 

We have tried to contact the bank but they have shut us down explaining the claim is now closed and they are not responsible. After calling multiple times they gave us a fax number to send an appeal. I sent XXXX appeals by fax on XX/XX/XXXX. I have heard nothing. 

I have not contacted the company that is responsible for the majority of these fraudulent charges because I didn't want to interfere with the bank handling the dispute. The company name is XXXX XXXX in XXXX CA. 

We are desperate to get our savings back especially during these financially difficult times. We were really shocked that our bank account was compromised and now they are not taking responsibility for the fraud. 

Please advise what can be done. 

Thank you.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/23 I wrote a dispute letter to XXXX uploading proof from the United States Bankruptcy XXXX stating that they do not report my XXXX  XXXX bankruptcy to any Credit Reporting Agencies. Inlcuding not all XXXX, TransUnion, XXXX, XXXX XXXX. By Law 15 USC 1681 A ( 3 ) ( 4 ) Consumer Agencies have Assumed a Vital Role in assembling and Evaluating Consumer Credit other information on Consumers. It also states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am fully justifying the deletion of Bankruptcy- XXXX XXXX in writing for all 4 Credit Reporting Agencies . This Public Record is harmful to my consumer credit. Any third party/ credit reporting agency who has directly obtaining my personal information to publicly harm me is a violation under law.

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 2020-04-15
Company: FirstPoint Collection Resources
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection company, First Point Resources, has yet to show proof that I did NOT pay an alleged to debt to XXXX  XXXX XXXX. They've only showed a bill. There's nothing to show that I did NOT pay the bill. They just choose to tarnish my credit worthiness without proof and taking the word of their money hungry client XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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:
To Whom It May Concern : Transunion / XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reporting Please delete those account XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX.XXXX XXXX, XXXX XXXX # XXXX Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1975 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX  my co-borrower filed bankruptcy and the loans were placed into bankruptcy and the payments were placed on hold, during the proceedings. Navient told my co-borrower that the student loans could not remain in the bankruptcy and the loans were pulled out of the discharge proceedings. 

Navient Solutions, formally Sallie Mae, currently has a settlement case, Woodard v. Navient Solutions, where they told borrowers/co-borrowers that they could not have private student loans discharged in bankruptcy. They were to provide a list of borrowers to the courts, who were affected. Our names were not shared, even though we qualify for the settlement, according to the criteria listed XXXX XXXX XXXX XXXX ). 

We would like to be added to the list of borrowers affected by their decit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: SC
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:
This is my sixth 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: ADP Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX my Wisely account was compromised. Between XX/XX/XXXX - XXXX, a large of money was withdrawn, including a payroll check transferred directly from my direct deposit. The monies were transferred and deposited into an unknown account without my knowledge or permission. Approx. {$6000.00} was withdrawn and {$210.00} was left in my account. I immediately contacted wisely. That account was closed and a new card/account was sent with {$2200.00} approx. two weeks later. The process stated early on by customer service was that a time sensitive resolution letter would be sent within 7-10 business days for my review of account status and further account decisions. No letter has been received. Yet now ( today in fact ) customer service states account shows to be resolved. When I continue to call customer service within 7-10 days about not receiving resolution letter within 7-10 days, now its an email has and will be sent. It has been escalated to our... department. We had the wrong e-mail on file. An email will be sent within XXXX hours. An e mail will be sent within XXXX hours. Hanging up with no callback ( today ), etc. and so on. Tiring and taxing. The customer service interaction is frustrating, blatant lies and regurgitated inactions at this point. The only reason I keep reaching out to them is to keep a log of my actual contact attempts to have this financial dispute properly resolved and in a reasonable and professional fashion. However, this is not the case on Wisely 's behalf. Please help. 

My question is, ( besides where is the rest of my money ). How is $ XXXX resolution for a {$6000.00} compromised account transfers? And which part was resolved? What date? The math surely doesn't add up one way or the other as to what has been resolved. 

The website on wisely states that our money is FDIC insured. Wouldn't there be proper customer communication efforts were this true? I'm amiss and lost to this company 's process and behaviors. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
I have recently been trying to get the credit reporting agencies ( Experian, XXXX, and XXXX ) to do reinvestigations for some accounts on my credit report but they keep coming back as verified as accurate and i am getting tired of it. 

These companies have violated my rights as a consumer and failed to do a proper investigation on my consumer report disputes. They claimed these items have been verified but there are obvious inaccuracies. This tells me that they have violated 15 usc 1681i ( 5 ) ( a ) The following items have not been properly investigated XXXX XXXX XXXX On XXXX this account has been reaged illegally every month and this is falsely manipulating the statute of limitations. And overall this collection agency has violated 15 usc 1692e ( 8 ) for false and misleading representations. They do not have the correct open date which also jeopardizes the statute of limitations. 

XXXX XXXX XXXX This account has multiple inaccuracies that have not been properly investigated. 

1. XXXX has not marked this account as disputed and this is a violation of section 623 of the fair credit reporting act 2. XXXX is reporting a monthly payment of {$65.00} a month when XXXX  and experian are reporting no monthly payment 3. XXXX has reported the payment status as 120 days late when experian and XXXX are reporting charged off. 
XXXX. XXXX is reporting this account type as a collection when XXXX  and experian are reporting this as a line of credit XXXX. There are XXXX different dates of last activity. XXXX is reporting XX/XX/XXXX. Experian is reporting XX/XX/XXXX ( XXXX ) and XXXX is reporting XX/XX/XXXX XXXX. The date of last payment is being reported wrong. XXXX and Experian are both reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This also falsely manipulates the statute of limitations 7. XXXX reports 120 days late every month which is a lie XXXX XXXX XXXX XXXX company has failed to validate the debt 15 usc 1692g ( XXXX and Experian ) XXXX XXXX. - The date of last activity does not match. XXXX reports XX/XX/XXXX and Experian is reporting XX/XX/XXXX XXXX XXXX Experian has reaged the account because they are reporting the date of last activity as XX/XX/XXXX and XXXX  reports XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a monthly payment of {$330.00} when Experian is reporting {$0.00}. 
XXXX. XXXX and Experian have failed to mark this account as disputed which is a violation of section 623 of the fair credit reporting act All inquires in my attached letters are in violation of 15 usc 1681b permissible purposes

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX/TRANSUNION/XXXX  reports inaccurate and false information here are the following : XXXX XXXX  XXXX  XXXX ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} XXXX XXXX  ACCOUNT # 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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 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 2022-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: IL
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:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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: Account information incorrect

Complaint:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 
Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2022-10-16
Company: EQUIFAX, INC.
State: WI
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. 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. 
Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account number : XXXX, & Account name : XXXX  XXXX Account number : XXXX. 






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 2023-07-31
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am being charged late fees for my mortgage. There used to be a grace period where I had until the XXXX to have my mortgage in and it wouldn't be considered late, NOW It's basically I have to have it in on the XXXX. I don't have any paper work that shows when the late date is. Even on the monthly statement nothing is there. I have been charged an additional {$42.00} for the last several months and don't feel that I should be paying that, unless there is a contract somewhere that I signed and I not aware of that. Could you please assist in this issue?

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 2018-09-04
Company: Harris & Harris, Ltd.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt was placed on credit report without knowing since 2009 Affected credit score Was never notified about the debt all these years Brought credit down enorously

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all of these fraudulent unauthorized inquiries for my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and is reporting false information to future creditors. XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation