BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I have been bank of America customer for over 20 years. On XX/XX/2022, I received an alert email saying that my bank password was changed. At around the same time, my wife received phone call from BOA XXXX XXXX branch in XXXX, the bank asked about the cash withdrawal of {$9000.00} made by me at their branch. My wife told the bank that both I and My wife were in New Jersey at the moment, and the withdrawal was a fraud. I drove to the Bank of America financial center in XXXX, NJ. I told the Banker that I didn't authorize the withdrawal of {$9000.00} from my checking account in NY. However, the banker told me she couldn't act on it as the activity was in a " processing '' state. My wife also immediately called BOA fraud department about the fraud incident. Late that day, I found that XXXX other withdrawals were performed without my authorization. XXXX withdrawal of {$9500.00} from the same checking account, and the other withdrawal of {$9000.00} from the saving account. 
The XXXX cash withdrawals were performed at XXXX different Bank of America branches in XXXX XXXX XXXXXXXX at XXXX XXXX, XXXX XXXX and XXXX in the short period of time on the same day. It's clearly a fraud pattern, and that's an epidemic failure on bank 's responsibility to protect client 's assets. All these happened while I held possession of my driver 's license and ATM card. The bad actor must have used fraudulent IDs which BOA did not catch. 
I have been in contact with Bank to reimburse the fund that they dispersed. However, the bank kept telling me that I need to wait for a resolution in about 90 days. Everytime I tried to reach the fraud department, it took me at least hours. I was disconnected automatically a couple of times. That has caused tremendous inconvenience for me, both financially and emotionally. {$27000.00} is large amount that was withdrawed from my account due to BOA 's failure of their fiduciary duty. I am asking for your help to resolve this in a timely manner and return my hard earned money asap.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 been a victim of identity theft. My information was involved in the XXXX XXXX XXXX and I have a number of fraudulent inquiries on my report that I need removed immediately. This is my written consent to remove the fraudulent inquiries/accounts. The accounts are unauthorized and I received no benefit from the accounts.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-10
Company: January Technologies, Inc
State: NJ
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:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit. the following account is in violation :11 CCS FOR XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
I have a card issued by amazon through chase XXXX. 
Amazon had a breach in XX/XX/2016 and my account was included. about XXXX orders were issued at the same time and I instantly called amazon to tell them to stop it since i did not order anything. 
I was told by customer service that those orders will not come to me. 
Although some kept showing shipped, there is no shipping confirmation. The 3 orders that came here were returned. 
Three boxes were left outside my door and I tried everything to have them picked by amazon to no avail. I do not need these. 
I have attached some of the email exchanges since the old account was closed and a new card issued. 
After 4 months of trying to have the XXXX removed, chase came out with the conclusion that these orders are valid and I must pay back the amount. They are charging interest and this is getting out of hands. 
I file this complaint to have this issue resolved since neither amazon nor chase is willing to clear the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions 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 status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$4900.00} XXXX XXXX-Balance {$790.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was laid off of my job on XX/XX/XXXX. I have been trying to work with Honda Financial Services in taking partial payments from me. I am currently collecting unemployment and my check is very small and I can barely make it with other bills I have. I can pay them all, but I can only make partial payments. I can not be without a car, I worked hard for the car and gave up the only {$1000.00} dollars I had at the time for a down payment. They are unwilling to work with me, stated that I have to pay the full Past due, and if I can not pay that amount, they have to pick up the car. How can a car dealer be a business and not help customers when life hits the fan. There has to be a better way to keep customers on the road. It is the year XXXX and I can not believe there isnt better programs in place so that the consumer does not have to deal with repossession. I even traded the car I had that I wish I could get back and now look where I stand. There had to be a better way around this, there has to be a better solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-07-04
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2017-03-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
i sent in this letter i got mailed from XXXX upon removing their tradeline error from my Experian credit report. This is the second time that i had to initiate a complaint about the non-performance of Experian. I call Experian about the innaccurate info reported on my report and they tell me to settle it with the creditors and then send them proof to get the innacurate items removed. I did just that for the removal of 5 inquiries posted in error, they recently denied the request. So here i am again, did my due diligence with XXXX and they have concluded to remove their tradeline. I am just here to speed the process up as i have the right to forward mail from creditors to bureaus for faster updates. Experian needs to do their job this time, no excuses.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: GA
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:
I have written several letters and filed disputes with Experian and XXXX about a collection. XXXX XXXXXXXX is saying I owe a debt for a medical collection. I have requested the company XXXX XXXX to provide the original HIPPA release form and/or the original signature for this MEDICAL bill. They have yet to provide it. I asked have in XX/XX/2021 XX/XX/2021 XX/XX/2021 and XXXX and XX/XX/2021 I have also filed a complaint with 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 explanation
Consumer complaint received 2022-02-17
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that several MCA MGMNT CO accounts, with the account number XXXX was reporting to be negative on XXXX . I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: DISCOVER BANK
State: CA
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:
Discover tried to call me on XX/XX/2022, but it sounded like a scam call telling me about needing to do 4506-T verification for my card ending in XXXX, then I received an email from XXXX Sign, all of which sounded like a scam. I subsequently called the main Discover line three hours later, but the representative did not know what I was talking about. 

I tried to use my Discover card to find it was not working on XX/XX/XXXX. I filled out the 4506-T form, then it was rejected by the IRS for wrong address even though I the same address. I filled it out and resubmitted it again on XX/XX/XXXX, and it was rejected again and my Discover account closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Back in XX/XX/XXXX I had installed a walk in tub. It is being financed through Service Finance company. My payments are $ XXXX until payed off. I just received a bill for next payment BUT it struck me as odd because I am ahead on my payments. From my calculations & from my review of my bank account on a couple of occassions I made XXXX payments in a month time, on more then one occassion. I have complained to the company before about their poor tracking system. I have also requested copies of my cancI am looking @ my statement I was sent & there is a huge discrepency with when my payment is due. I am also contacting the bank for copies of my cancelled checks. Yet in reviewing my past bank statements, your company is double dipping & NOT current with all my payments already made. ( this message sent to company ) Again I am requesting copies of my cancelled checks becauxe in the memo section I write my account # & the date payment is for. Here is what I see thus far : I started in XX/XX/XXXX. XX/XX/XXXX XXXX # XXXX was cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX ( this is XXXX payment made in XX/XX/XXXX ) check # XXXX on XX/XX/XXXX ( this too is second payment made in XXXX ) Check # XXXX cashed on XX/XX/XXXX So as you can see there are some months were I paid x2 & so your records are incorrect & * wjhen I get the cancelled checks back from the bank it will prove your error in billing & that you are double dipping & overcharging me. Therefore just w/ this proof of your incompetence I am filing a complaint with the FTC on your company for this mismanagement & double dipping & over charging me on more then one occasion. 

So I strongly recommend you re-educate your billing personnel & I strongly suggest you get your records in complete order & compliance because even now the bill I received is for XX/XX/XXXX payment!!! 

XXXX XXXX XXXX # XXXX checks from the bank as in the memo section I write loan # & payment month.

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 2022-02-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two pair of sneakers in XX/XX/. The sneakers were not as described on the website and I contacted the merchant and they would not give me a refund unless they had made a mistake. I contacted PayPal and put in a dispute about this. PayPal told me to go through Synchrony Bank the parent company with my complaint which I did. They gave me a refund on XX/XX/XXXX and PayPal rescinded that payment on XX/XX/XXXX. I am not sure what is going on with this. I just contacted them again and now they are telling me to send them the same information that I previously submitted. I thought consumers had the right to return merchandise that did not fit the description that was given. The sneakers can not even be worn for anytime and they said great for diabetics.

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