BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TO WHOM IT MAY CONCERN, Creditor Garnishment ( XXXX ) is taking my money from my paycheck since XXXX??? 

XXXX. When first time XXXX XXXX XXXX where I still work, told me that " XXXX debt collector '' XXXX VA XXXX... want to steal money from my pay check, I talk with them on XXXX with XXXX XXXX XXXX XXXX. She told me about some my Bank of America debt that I made in XXXX??? I have NO idea about that debt ... Then XXXX XXXX told me about some my credit card debt in XXXX ( XXXX ) that I also do NOT know ...??? 

XXXX. So I send mail to Bank of America in XXXX and repeat all of this information. I told to bank that last time I talk with Bank of America before XX/XX/XXXX, when I was ready to go back to XXXX and I did NOT have plan to come back in XXXX. So bank know that I will never again use Bank of America credit card and I did NOT. Bank of America send me mail back and did NOT send me any proof that I made any debt to them??? Since XXXX I do NOT remember that I get any mail from Bank of America that bank told me about my bank debt and since then I throw away my debit card... 


# Agency contact : XXXX XXXX card service??? XXXX. ) Paid to XXXX Chain XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX?? 

XXXX ) {$870.00} on XXXX. ( start on XXXX )??? GOAL : {$10000.00}??? Start date XXXX??? ( Case ID : XXXX ) XXXX ) Paid toward lien : {$2100.00} ( last deduction date : XXXX. ) Case ID : XXXX ; * ( XXXX. ) Creditor Garnishment ( XXXX ) XXXX XXXX GOAL : more {$6700.00}??? ( For now on XXXX they took total : {$3400.00} from my paycheck??? )

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 2022-11-11
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX # XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I submitted a prior complaint that was closed by the CFPB because Paragon Revenue Group agreed to remove this negative item from my credit reports and that I did not owe them any money. Today I received a text message from them asking me to call them with a XXXX digit Pin #. I attached a screenshot. 

I do not owe Paragon Revenue any money and they need to stop contacting me. The CFPB needs to investigate this debt buyer! I want them to stop contacting me and remove my information from their database. 

Here is the case # from XX/XX/2022 with CFPB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-03-30
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The school that I received my loan for was XXXX XXXX, which longer exists. I graduated in XXXX, and by XXXX they had closed. They never received their credentials, which backed our degrees that we earned. My particular degree program- XXXX XXXX was completely dropped not long after I graduated. Part of the reason I agreed to attend this school was its promised of continued education as well as their credentials. 

see one of many links below. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX 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 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: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a fraud claim with Wells Fargo because there were multiple unauthorized transactions on my account. When ever i try to use my card wells fargo continuously flags my transactions as fraud. I called to ask if they called and asked if these unauthorized transactions were fraud and they could not give an answer. The claim was for a total of {$3100.00}. They notified me that they denied the claim.

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 2020-09-16
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Why is keybank using the same tactics to not answer my original questions. That's number 1, number 2 ... .and more importantly why is XXXX XXXX.. using the police tactic when In his Original candid remark he said he doesn't look into police reports ... number 3, my wife is not mentioned in the police report so why is she being banned too she has nothing to do with this number 4 ... XXXX XXXX I know it's hard to fathom the Mea culpa here, why is my wife being banned and she is not even mentioned in XXXX XXXX police report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX card is not being reported for 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Bureaus need to only list my true name as XXXX XXXX XXXX or XXXX XXXX. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas. XXXX. Any other addresses or spelling is 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Costs, expenses, and losses due to identity theft, fraud, or misuse of your personal information incurred between XX/XX/XXXXXXXX  and XX/XX/XXXX. 
Amount and Date {$3900.00} XXXX {$200.00} for mailing letters because of the data breach. {$1000.00} for cell phone to watch alerts from my account to make sure my account wasn't breached again. I had no need for a cell phone before learning about the data breach. {$1500.00} for cell phone service because of the data breach. {$120.00} a month for 12 months. {$1200.00} for XXXX XXXX XXXX to print reports because of the TransUnion data breach. {$100.00} per month 12 months {$150.00} for a new printer to print reports because of the TransUnion data breach.

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 2022-11-11
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-12-13
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX they called : ( these are all XXXX time times ) XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XXXX PM XXXX PM XX/XX/XXXX ( today ) XXXX AM XXXX AM XXXX AM XXXX AM XXXX : XXXX AM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
California Business Bureau ( Collection Agency for XXXX XXXX ) - I was diagnosed with XXXX in year XXXX. I had all my procedures, text, check up, and XXXX done at XXXX XXXX in XXXX XXXX. 

In XXXX of XXXX XXXX, A YEAR AFTER my diagnosis and procedure I received a bill/ a call from XXXX XXXX saying I have bills with them. I have disputed this so many times and told them I have never been to their hospital. Why would I pay a bill that is not mine. It is an identity theft. It wasn't me. I have a Health Insurance but I am still paying all my Medical bills from XXXX where I had my XXXX. 

My personal information was hacked years ago, In my credit report there was showing an address from XXXX, I have not lived in XXXX, California.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On or around XX/XX/2021, I saw an online advertisement by KeyBank that if I opened a checking account and deposited {$500.00} within XXXX days, I'd receive a {$200.00} bonus. I made my first deposit of {$250.00} on XX/XX/2021. By XX/XX/2021 ( 60 days later ) I had made XXXX {$250.00} deposits into the account. I hadn't received my bonus and when I stopped into the KeyBank in XXXX, OR on XX/XX/2021, I asked why I hadn't received the bonus. The clerk said the promo was tied to my account, but she didn't know why I didn't get the bonus. She called the corporate office and was told that because I didn't make a single {$500.00} deposit within the XXXX days, I didn't qualify for the bonus. I feel this was a deceptive marketing strategy. I asked for a print out of the promo and was provided the attached print out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention an inaccuracy in my credit report that requires immediate correction. Upon reviewing my credit report, I discovered an entry related to a late payment that inaccurately portrays my credit history. I believe this discrepancy has occurred due to confusing reporting, as the account was, in fact, paid on time. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It appears that there may have been a misunderstanding or error in the reporting of this information. I am confident that a thorough review will confirm that the payment was made on time and that the late payment entry 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 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 2023-02-10
Company: EQUIFAX, INC.
State: NV
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:
Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages named FAIR COLLECTION AND OUTSOURCING IN THE AMOUNT OF XXXX XXXX And same collection in the amount of XXXX XXXX  on my credit report. According to the 15 USC 1681 Law these damages are defamation to my character. I have tried to reach out to reporting agency 3 times starting from XXXX of 2022 to resolve error and have only gotten a system generated response. No proper investigation or proof/ method of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Bank of America placed a. Annual fee on a credit card that had a zero balance and because of XXXX I never received the XXXX $ statement balance. It gave me a 30 day late payment now and has dramatically hurt my perfect 30 years of perfect credit. They have not fixed it yet.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a victim of identity theft and I have inquiries that were unauthorized. They were all on the same date ( XX/XX/2022 ). Please remove these, as they are hurting my credit score. I have also conducted a FTC 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 2023-02-10
Company: Maximus Education, LLC dba Aidvantage
State: NY
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 noticed on my credit report that my student loans were being reported twice. The old loan was being managed by DEPT OF ED/XXXX for a few months and then that account was " sold '' to XXXX/DEPT OF ED. Both Loan servicers are listing this as an active account with a balance of {$59000.00}. This DOUBLES my loan amount which is inaccurate. DEPT OF ED/XXXX should have listed this account as PAID OFF/CLOSED when it was sold to a new loan servicer. This will negatively affect any efforts I to apply for credit as my student loan amounts are DOUBLED FALSELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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... 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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