BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MT
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 with Action collections services and # XXXX with XXXX of XXXX XXXX both 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 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 2018-10-22
Company: Google Compare Credit Cards Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was recently scammed by someone claiming to be a representative of XXXX. I was told to purchase both XXXX and XXXX XXXX cards in order to unlock my XXXX ID that I was having trouble with. Shortly after providing the information, it became clear that I was being scammed. I contacted XXXX immediately thinking that they could reverse the credit back onto the cards so I can get some of my money back but they indicated that they could not. They have to come up with a better way to help people like me. 

My bank is unable to reverse the charges because I technically did make the purchase at the store but certainly XXXX should be culpable for fraud they're permitting to occur.

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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had opened a new business account with Bank of America and their risk closure dept closed the account after XXXX months. Without any explanation they are holding my money for XXXX months. I call everyday, escalated the claim XXXX times. Spoke to many managers. I need my funds release.

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 2023-07-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

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 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and informaation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2022-12-14
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:
I submitted a letter to the XXXX Credit Bureaus to correct or discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX 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 2021-05-26
Company: Essential Retrieval Group
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by both my Mother and my wife today stating that they received calls from a company named ERG about an alleged debt. Not sure how this company gained access to my mothers home number or my wifes unregistered work number. 

My wife forwarded me the info and I contacted a person and inquired about the alleged debt. They shared with me that there had been numerous attempts to collect a debt tied to a credit card company named XXXX. Told them that I hadnt received such info and asked if was sent certified mail. Their response was it was sent general mail. Told them I hadnt received anything. 

Contact told me that this info was on my credit report, which it is not, and that I went delinquent on this account in 2014. They say I was offered a settlement, which I was never contacted, and that I owe them {$2000.00}. Asked if I wanted to work out a plan. I told them that I dont recognize a credit card with XXXX, that I was never delinquent on any debt over the last 7 years, and that they should proceed with next step actions that they spoke of at the start of the call. 

My assumption is that they are trying to collect on something outside the statute of limitations. I have no records if this debt but my records only go back 10 years. 

I want to make sure that this company knows that my record keeping us impeccable and that I assume they will be willing to share all of their documents during discovery if they choose to go through the courts. 

I also want this company to know they have my cell number and that they should not be harassing my elderly mother or my wife at her place of employment.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-09-27
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Law Office of Carl Brugnoli
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2023 I received a letter in the mail from debt collector Carl Brugnoli, Esquire about a debt of {$3300.00} to XXXX XXXX, XXXX. 

The letter states that the office of Car Brugnoli has a capias warrant for my arrest if I do not contact their office and make payment within ten days.

This is my first contact with this office and no other information regarding my rights to information or option to dispute was given. The initial debt is from over 20 years ago and I have not heard anything about this debt or made payments in over 10 years. This debt is undoubtedly time-barred and I have not been served nor failed to appear in court to justify the capias warrant threat. This letter is most certainly a scare-tactic with the intent of partial payment to to renew the case from being time-barred and legal leverage.

Furthermore, with this letter being the first and only contact with this firm, the attorney neglected to inform me of my rights in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I submitted a remittance payment through XXXX XXXX Mail to Capital One for {$330.00}. Per UCC XXXX, if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Capital One Bank did not honor my instrument. On XX/XX/2022, I received a Letter from Capital One staying my account ending in XXXX was closed. The letter also included that Capital One removed my name and address from Future Capital One Credit Card offers. As a Capital One customer I feel discriminated and devalued. Prior to this encounter, I never missed a payment. It is concerning and alarming how Capital One is allowed to violate Federal Laws against customers. All calls are recorded per Capital One Policy, pull the call, I never requested for my account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

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 2022-04-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was given a brand new prepaid gift card for my birthday, last year. I placed in my drawer with several others. Decided to use it yesterday. Tried to activate it on the website, but the website is no good. Called and was told the card was registered to someone else after providing the number. Did a 3-way call with the purchaser. She confirmed the card had not been used, she no longer had the receipt but had gotten a call from someone else she purchased a gift card from this company. Same problem. I requested information to substantiate their clam and they could provide none. They wanted my personal information, which I absolutely would not provide. They began disconnecting the call every time I phoned back. My friend is out of a {$100.00} and I have a useless gift card. This company is fraudulent. www.prepaidgiftbalance.com - XXXX What can be done?

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 2022-04-20
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Adjusters called my mobile number Monday, XXXX XX/XX/XXXX. They claimed on the phone call that they purchased a debt from a company called XXXX XXXX. Apparently on XXXX XXXX XXXX XXXX XXXX provided a loan to an individual in XXXXXXXX XXXX in the amount that is now owed of, {$3100.00}. I don't live in XXXX and never have. I live and work in XXXX for the XXXX XXXX XXXX, at one of its Agencies. XXXX XXXX gave this loan to either an XXXX XXXX or XXXX XXXX at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. They claimed to be me, and used an alias email at XXXX. The Account # with NCA is XXXX. The Account # with XXXX  XXXX is XXXX. NCA provided me all of this information. I'm filing charges against NCA and XXXX XXXX for the following reasons : 1 ) XXXX XXXX never pulled my credit file to see that I have an active Identity Theft Alert on my credit files. 
2 ) XXXX XXXX never called my mobile number to confirm that I was asking for the line of credit, as is required per the directions on all of my credit files. 
3 ) NCA purchased the debt to collect from XXXX XXXX and did not conduct their due diligence by pulling my credit file, nor calling my number to confirm this is a legitimate account. 
4 ) NCA admitted to me on the phone call on Monday, XXXX XX/XX/XXXX, that XXXX XXXX never reported the supposed claims that I had an active loan with their company for the past 16 months ; even though this request has never come from me. 

This looks like financial fraud to me. I'm reporting both companies to the CFPB. I intend to prosecute both companies to the full extent of the law, including up to filing an arrest warrant in a court of law, for corporate executives at both companies. They are taking advantage of an identity theft victim by calling and purporting a false claim of an existence of a loan that never occurred, and are trying to bamboozle monies from my coffers to satisfy their lust for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
I was going over my credit report and noticed 4 unauthorized inquiries on my XXXX, and Equifax credit report XX/XX/18, XX/XX/18. I did not, nor have I ever applied for a line of credit with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My family had a change in how our XXXX handled homeowners insurance. We secured our own coverage and notified XXXX XXXX XXXX XXXXXXXX of the change well before the change date. Over the last 90 days or so our Escrow has been debited to cover dwelling insurance post dated, our payments have been altered and we have received no assistance in trying to clean up the issue. Our family has submitted, on multiple occasions, all the requested documents that indicate we are, and always have had, the correct property insurance. 
I have tried to contact the servicing company multiple times and today was on hold for XXXX minutes before I hung up due to work starting. 
This servicing company has done XXXX to assist us, has sent us threatening letters and on the same day sent letters saying we are in compliance only to send a third letter saying please submit the same proof of coverage that was submitted only days before.

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