BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-04
Company: CITIBANK, N.A.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023, I opened a savings account which had a promotion. I asked the company both by phone & by chat for copies of the Client Manual, Marketplace Addendum, Rate Disclosure Sheet, Fact Sheet for Personal Information, & the Access Account Package for the account which I had just opened online. I was told that I was not entitled to these documents. I continued to complain the following day, that I was entitled to access these documents. I was told repetitively that I could not read online or see these documents. Finally a supervisor did send me copies of the documents that I was requesting. I also had googled these documents, & found them online with no help from the company. 

Then after reading the documents, on XX/XX/2023 as was stated in the banks Client Manual-pages XXXX I mailed my Notice to the company to " opt out '' of the Arbitration Provision. The company only allows this within 45 days of opening an account. So I also requested confirmation of receipt from the company in my Notice letter. 

After a couple of weeks, I did not receive any confirmation. So I called the company again. I was told to wait longer. I told them that this was time sensitive. I continued to call, & finally was able to speak to a supervisor who suggested that I mail another letter. 

I opened a checking account with a different promotion, on XX/XX/2023. I also mailed a new Notice for " opt out '' of Arbitration for both accounts, with dates of opening, account numbers, my name, address, email, full explanation + signature. 

Yet as of XX/XX/2023 the company denies receipt of any documentation sent from me. I have escalated this issue twice & I was given some numbers to confirm that I had called. But I was told today by another supervisor, that there is no record that I've ever called about this issue. 

So, on XX/XX/2023 I filed a formal complaint over the issue with the company. I was given a case #. But since no one has reached out to me with the other 2 escalations, or even documented my calls, I really don't expect to hear from them. 

I am filing this complaint with the CFPB. 

I do plan to mail yet another Notice of " opt out '' of Arbitration. Only this time I will spend the extra money to have the letter tracked and signed for, when received. 

And after all of this, if the company does not acknowledge my Notice, then I will close out my accounts. Any bank that goes to this much trouble to hide information, as well as misplace documents has no business handling funds of any kind. They can't be trusted. I have wasted countless hours on the phone to customer service people who have no idea of even what Arbitration is. I did not expect this at the supervisor level.

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 2023-04-04
Company: CORELOGIC INC
State: PA
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:
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.

Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. 

Delete the specified accounts from my consumer report and all your systems.

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 2023-04-04
Company: EQUIFAX, INC.
State: PA
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:
the payment history of this closed account was not accurately reported to all 3 credit agencies this is inaccurate reporting. pursuant to 15 usc 1681 ( a ) Accuracy and fairness of credit reporting, I was never late and also a violation of 15 usc 1681b ( a ) ( 2 ) i did not give written notice to furnish or report any information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: PA
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:
the payment history of this closed account was not accurately reported to all 3 credit agencies this is inaccurate reporting. pursuant to 15 usc 1681 ( a ) Accuracy and fairness of credit reporting, I was never late and also a violation of 15 usc 1681b ( a ) ( 2 ) i did not give written notice to furnish or report any information about me.

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 2023-04-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDUCATIONXXXX  # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: LA
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX 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
Consumer complaint received 2023-04-04
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 have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX XXXX Inquiry 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
Consumer complaint received 2023-04-04
Company: AES/PHEAA
State: TX
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:
Fedloan violated my rights by : ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, Fedloan has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ).

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three credit Bureaus XXXX, XXXX and Experian to have the incorrect information on my credit report deleted due to me being a victim of identity theft. I have mailed letters, called the companies and submitted numerous amounts of financial complaints to get this issue resolved. I feel as if my rights are being violated and as the consumer my right should be protected with consumer laws such as 15 U.S.C 1681 b. I feel like I'm being treated unfairly and my credit is suffering because of it. I have multiple negative items on my credit that is inaccurate that needs to be removed.

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 2023-04-04
Company: EQUIFAX, INC.
State: IN
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:
Please Remove the following accounts from this report as it in direct violation of my consumer rights. 
According to 15 US 1681 C2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Zions Debt Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid this account in full back around XXXX. There is no debt and this just popped up on my credit report. 

Original Creditor : XXXX XXXX XXXX : Zions Debt Holidings Amount : XXXX They have the date opened listed as XX/XX/XXXX I paid off a security system with this company ( XXXX  ) I believe in XXXX. 

Now this debt collector is attempting to commit fraud and reporting fake debt on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Bank of America has allowed my personal information to open multiple accounts with no constant from me. The first issue was there was an attempt for a credit card to be opened and was denied due to my credit score with in the same time a debit account was opened and money was funded into the account with fraudulent money that was flagged in there system. I filed a police report at my local PD then received documentation that the account was not mine and was fraudulent account. Then on XX/XX/2023 a document was sent to me stating another account was open and I have not opened any account with Bank of America or any affiliated companies

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a XXXX form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX BANK XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
So i have been dealing with fraud charges that were taken from my account and have had the worst experience with Bank of America prepaid, so much has happened with their negligence that there isnt enough room for my to type but, so basically i have called to file a claim for fraud charges to my account, and everytime. They leave abunch of charges out which makes me have to file new claims, and they keep leaving charges out of them, and they say they cant tell me which charges are on which claims so i can know what was left out, so i went through my statements and wrote down every single fraudulent charge and the total comes out to {$14000.00}. And as I mentioned I have had to file about 12 claims because of how the fraud department has been horrible handling this in which I have complaints against, but the total they have paid back so far is {$8500.00} through 11 claims i believe. Leaving {$6100.00} still owed to me and I currently have an active claim that's been denied once and I put in for reconsideration, and I would like to add probably 99 % of the claims I filed were denied at first but when I put in for considerationS, they end up finding them in my favor, but the claim still being reconsidered is claim # XXXX for the amount of {$4300.00} which still doesn't cover the remaining balance still owed to me... Now I want to also point out that this has been the worst experience with any business I have ever had, and dealing with the claim department and process is absolutely a night mare, I called soo many times to have to reconsider claims that were fraud, just to call back a week or 2 later to check in on claims to find out they never even filed a reconsideration, they leave out charges all the time, and I even HAD A MANAGER CALL AND THREATEN ME ON MY CELL PHONE AFTER GETTING OFF THE PHONE WITH HER. I filed complaints and I don't feel safe knowing she has access to my social security number, my home address, and banking information and accounts.I HAVE ATTACHED XXXX ATTACHMENTS THAT INCLUDE ALL OF MY FRAUDULENT CHARGES SINCE BANK OF AMERICA HAS LEFT OUT SO MANY CHARGES ON DIDFERENT CLAIMS AND WONT TELL ME WHICH CLAIMS GO TO WHICH CHARGES SO I CAN FILE A CLAIM FOR THE REMAINING SO I HAD TO INCLUE THEM ALL..AND IF YOU NOTICE, EVERY SINGLE CLAIM BEFORE THIS OPEN CLAIM IN RECONSIDERATION BECAUSE IT WAS INITIALLY DENIED, BUT ALL CLAIMS BEFORE THIS WERE DECIDED IN MY FAVOR AND THESE ARE ALL THE SAME TYPE CHAEGES AND ITS HORRIBLE THAT I HAVE BEEN DEALING WITH FIGHTING TO GET MY MONEY BACK INTO 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 monetary relief
Consumer complaint received 2023-04-04
Company: LD Holdings Group, LLC
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: Investigation took more than 30 days

Complaint:
Loan Depot Mortgage was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. LD then returned these payments about 10 days after receipt. LD says my XX/XX/2021 payment was not received on time so they destroyed my credit. My XXXX  XXXX XXXX faxed LD 2 official payment transmittals which clearly documented my timely payments, yet LD still refuses to remove the late payment from my account. After contacting all 3 credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from Loan Depot in which LD confirms they received my payment on time but LD and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over 50 hours trying to resolve and filed numerous complaints with LD and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: SinglePoint GI
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:
GENERAL REVENUE CORPORATION CALLED ME USING AN XXXXXXXX XXXX TO MY PHONE NUMBER XXXX ON XXXX. I TOLD THEM THEY CALLED ME AND THEY DENIED CALLING ME. THEY USED AN XXXX XXXX XXXX TO CALL MY NUMBER FROM THEIR PHONE NUMBER XXXX. I COMPLAINTED TO THE LADY WHO I SPOKE TO ABOUT THIS AND WANTED TO SPEAK TO SOMEONE IN THEIR COMPLIANCE DEPARTMENT. SHE DENIED MY REQUESTS. I ASKED FOR HER ADDRESS AND SHE GAVE IT TO ME. IT IS THE ADDRESS OF GENERAL REVENUE CORPORATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: VA
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 was contacted by XXXX XXXX XXXX, through email, that my new Credit Card was on its way to me. I did not apply for, nor authorized anyone to apply for, a credit card with this company. Once I contacted the customer service department to cancel the account, I recieved a email congratulating me on the completion of an application for The XXXX XXXX XXXX Credit Card. Once i requested a credit report from all XXXX reporting companys Experian should a 3rd credit card opened by XXXX another XXXX XXXX i guess. All of these accounts were opened around the same time XXXX i did not authorize any new credit card accounts to be opened in my name!

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