BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I filed a lawsuit against XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX on XX/XX/2019. The Defendants, did not have a Multifamily dwelling license for XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX Md XXXX ; ( Citation # XXXX and Amount of Fine {$500.00} ) and registration citation ( Citations # XXXX and Fine Amount {$100.00} ) Also, which should have prevented them from doing business in the District Court for XXXX XXXX, Maryland. They were never legally entitled to any money or to place Plaintiff, XXXX XXXX in the position to have a rent escrow action or furthermore any judgments due to renting an illegal apartment not up to code, amongst other misrepresentation. This company owes me and unfortunately I couldnt get a judgment in my favor as I represented myself Pro Se on a brief XXXX  meeting with the defendants lawyer and a judge during the pandemic, so I never got my demanded jury trial. The Defendants didnt counter sue and I was not served a judgement for {$9000.00}. I dont owe them anything. XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX Company sold this misrepresentation debt to Fair Collection and Outsourcing/FCO and failed to name ALL PARTIES INVOLVED. The CASE Number : XXXX CIVIL IN RE : XXXX XXXX vs XXXX XXXX XXXX, et al. has been reopened/active with no counter lawsuit. Furthermore, I am asking to cease and desist.

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 2019-03-25
Company: U.S. BANCORP
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is the second complaint I've had to report for the same issue. Previous complaint was never truly completed. The company made less calls in XXXX and XXXX, but calls began increasing in frequency again. 

Each time, they ask for a man who has never been associated with our business. 
When we ask what phone number they dialed ( our phone number ), they response, " I'm sorry, I can't give out that information. '' On XX/XX/19, I spoke to a manager, XXXX, and she assured me that our number would be removed permanently. Call ceased for a few days, but started back up again the next week. 

I have spoken with 4-5 managers in XXXX and XXXX. Each one was kind and apologized greatly and promised to remove the number. However, the calls kept being made. 

The last manager I spoke with on XX/XX/19, XXXX, was very rude and did not listen to my concern and frustration. She said she would submit our number for cancellation to Customer Services, but was unable to rectify the problem over the phone. When asking for her manager, I was told they were in a meeting. 
This needs to be rectified right away as the problem has been continuing for over six months!

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 2023-05-31
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:
I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned

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 2022-06-11
Company: EQUIFAX, INC.
State: MI
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  account # 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  has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states the a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was using Bank of America ATM machine to withdraw {$500.00} in {$50.00} bills and I only got {$300.00} in {$20.00} bills, I called their claims department to open a claim claim # XXXX and was told it may take upto 45 days to be resolved. A couple of weeks later, i got a letter saying it was resolved and no error was detected, I called the bank and dispute it and I was told that there was no error detected. After so much of emotional conversations after practically being accused of making false claims, they offered to submit another request to take a look at it and it got denied as well.

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 2023-11-11
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-05-01
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA AG however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal 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 explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  account # 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 has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states the 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 non-monetary relief
Consumer complaint received 2021-12-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/2021, Experian is reporting a account that shows XXXX, XXXX and XXXX  60 days each. There is now way a account can be 60 days late 3 months in a roll. I have disputed this account with Experian and XXXX XXXX twice. Experian responds that it investigated with the furnisher and the account is verified. So I have decided to file a complaint of the inaccurate reporting on my consumer credit report. I have attached my most recent consumer credit report as proof that Experian is not exercising the Fair Credit Reporting Act laws. 15 U.S code 1681 clearly states that consumer a required by law to have a ACCURATE consumer credit report. DELETE THE XXXX XXXX  ACCOUNT FROM MY CONSUMER CREDIT REPORT FOR INACCURATE CREDIT REPORTING 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 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The night of XX/XX/2018 two transactions of {$290.00} were made while I was at work in XXXX XXXX, MO. The deposits were happening in Georgia Eastern Time. Soon as I noticed the transactions I called my bank at the time, Bank of America, and told them it wasn't me but yet they closed my account and stated that I was committing fraud. It's completely impossible for me to be in two places at once and I provided them with my bank statements that prove that I was making transactions that same day. Ever since that happened I haven't been able to obtain a credit card or open any accounts due to the fact that Bank of America put the cause of my closed my account as fraud. I've tried to dispute multiple of time I believe they aren't taking the time to truly look at my account and also the evidence to see that it wasn't me, which brings me to this point that they weren't doing their job which is obvious due to the fact that they have a class action lawsuit versus XXXX XXXX at the moment for not keeping his account safe. I am a victim of negligence and this isn't right. At the time I was 20 years of age and supporting myself and thinking about how I was going to establish credit but all of that ceased when Bank of America didn't want to protect me and my account. I want the status of account to change so I can start my life.

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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about the XXXX of XXXX, 2023, I received a Bank of America Credit card that I had applied for. It has a zero interest rate for one year. I tried activating the card, which went well, I then tried to use the card and it was DECLINED. I called the number on the back and talked with XXXX. He could not assist. I then figured out how to activate the card online ; however, when I tried to use it, it was declined. I could not use the card On XX/XX/XXXX, I logged in. Bank of America had enrolled me against my will into " online banking '' and created an account I did not ask for. I then went to a place in the website that said I could not use the card. I was told that I could not activate the card. I had to go in person to the bank to get the card activated. I could not do this because I am XXXX. I was in a hit by a car on my bike and XXXX XXXX XXXX. I was told that XXXX people are discriminated against. If you don't own a car or XXXX XXXX XXXX XXXX, you may not use the card. They told me I could download the app on my cell phone, and agree to be tracked and then they " might '' activate the card. I refused. 
Bank of America discriminated against me because I am XXXX and XXXX XXXX XXXX to the back to activate my card, and therefore I have been disqualified from using the BofA special offer. My credit score is XXXX I spoke with the following people : XXXX, XXXX ID # 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 2023-05-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: CITIBANK, N.A.
State: OR
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 rewards from credit card

Complaint:
In XXXX, I opened a Citi Bank Double Cash Card. My account statement for the billing period XXXX XXXX, XXXX XX/XX/XXXX showed a rewards balance of {$470.00}. The next account statement I received, which was for the billing period XXXX XXXX, XXXX XXXX, XXXX, showed that the bank rescinded the cash rewards points I had earned, leaving me with a {$0.00} rewards balance. I am a senior, and as with many seniors and people of all ages, I had to significantly change my spending habits in response to the pandemic ; as such, I had no activity on my card from XXXX XXXX XXXX. 

Though the account remained open between XXXX XXXX XXXX, I did not receive any statements or other communications from the bank or credit card company ( XXXX ) during this period of inactivity. I also did not receive any notification or warning that I was approaching 12 months of account inactivity, and was at risk of losing the rewards points, or guidance with steps that I should take to avert the loss. 

Upon receiving a statement for the billing period XXXX XXXX, XXXX XXXX, XXXX showing the bank rescinded my {$470.00} rewards, leaving me with a {$0.00} balance, I immediately called the banks customer service number ( XXXX ) and spoke to a representative named XXXX. He told me that he put forth a " request for courtesy reinstatement of points to The Team ''. He mentioned my good standing and this was a one-time request. 

I received a form letter ( attached, dated XXXX XXXX, XXXX ) denying the request to reinstate my balance of {$470.00} rewards points. On XX/XX/XXXX I called the customer service number provided on the letter to ask for a review of my situation since XXXX had suggested he expected that I would be granted the courtesy reinstatement. I was transferred to a woman who declined to provide further assistance, and insisted that the letter I received indicated that my file was now closed and there were no further steps she would take to reinstate my {$470.00} rewards points balance.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance 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 2023-05-01
Company: EQUIFAX, INC.
State: DE
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 things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

Company response to consumer: Closed with explanation