BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX has ran a hard credit check without my permission, used stolen credit info, also they keep sending loan offers at my home which is unasked for. Untrustworthy and dishonest organisations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: AXOS FINANCIAL, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a XXXX XXXX, with Third party Authorization to help a client who initiated a wire to our escrow account for a real estate transaction in which he was purchasing a new property. He initiated the wire with AXOS BANK on XX/XX/2022, the bank failed to send the wire. The Customer has called several times, over the last three days on three way calls with Myself, the title company and a bank representative, we have worked to try and figure out why they have not sent the funds that were requested via their wire request form that they provide for outgoing wire requests, each time we were given a different story but were promised each time that they would send the funds and that it would be initiated as soon as we got off the phone. It is now XX/XX/XXXX, I have spoken with a business banker today that gave me a case number and assured the money would be wired today, but it has not been wired. At this point my customer is in default on his contract to purchase property, the seller of the property is still waiting on his proceeds and the bank is completely in default. The wire amount is for just over a XXXX XXXX XXXXXXXX dollars and never in all of my years as a title agent have i ever seen a bank do this. I am not sure how AXOS BANK is still in business, as i have seen SEVERAL other complaints about them on the XXXX XXXX XXXX XXXX website. 
Can you help? It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
From XXXX I was charged countless overdraft fees I would get paid and the day I got paid I would pay bills and for each transaction I was charged a overdraft fee even though my account was in the positive I ended having to use XXXX to deposit my check in XXXX it costed me my home and my car I was homeless for 9 months in XXXX and ended up getting a place to live and months later had to pay off the account for overdraft fees acquired due to the ongoing problems of the bank taking my money for overdraft fees after my accounts was in the positive and Id pay bills on pay day I went back to them in XXXX when I paid the account for the fraudulent fees and ended up closing that account because the same thing was happening basically I tried to reach out to Wells Fargo several times and even made posts about it on the official Wells Fargo XXXX page only to be met with promises that never ended up taking place

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-03-01
Company: EQUIFAX, INC.
State: OH
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 NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: TX
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} NCB ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX XXXX XXXX {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX ASSOCIATES ) XXXX Balance XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$34.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$45.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$36.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$43.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$38.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$38.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$39.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$38.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and submitted documentation to XXXX about account ENHANCED RECOVERY CO XXXX {$0.00}. The account was blocked and removed from my credit file only to report again with a remark " Account information disputed by consumer, meets FCRA requirements ''. Enhanced Recovery Co or XXXX has not provided the documents and other evidence to disregard my identity theft report. 

If Enhanced Recovery Co can not provide original documentation of when where and how this account was opened. This account should be removed immediately. If account has not been removed from my credit file I will sue both XXXX & Enhanced Recovery Co in small claims court for FCRA violations and punitive damage. 

I demand that XXXX & Enhanced Recovery Co send all documentation they used to verify account 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 2023-03-01
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Key Management Company of Missouri, LLC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The manager there has continued to call me and my friends and family, even ones she has never been authorized to after being repeatedly told by myself and them to stop, she has even called from different numbers when blocked and calling my work place multiple times after also being asked more than politely many times to cease any and all contact and that I would like to deal with another branch or corporate to deal with payments on my XX/XX/2018 loan. She has made it into some personal vendetta as if the money came from her personally and not the company she works for. I am 8 months pregnant and it is causing me a severe amount of stress and calls are often early or late and it is hard enough to sleep anymore as is. I have even considered filing harassment charges on the manager herself at the local police. I do not know what else to do she is fixated, I switched jobs from working at a XXXX  where she was never supposed to be able to call through to me while on post for safety reasons but still did, to a XXXX XXXX  and she was calling my new work place before I said to anyone or anywhere publicly I was working there. I had been there just a couple days. It is very frightening how she got that information I have no idea. It is unprofessional and vindictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am an XXXX customer of Bank of America and I have been trying to reach them for a month to resolve my troubles of not being able to log in to my account. No one helped me log in and I can not use my bank card. I need to pay for my food medicine and bills. I have been out of my medication for a month because I can not get into my account. I have talked to XXXX XXXX in the complaint department at XXXX ext XXXX. I also have spoken with XXXX XXXX, and he said he couldn't help and transferred me to the correct department as he called it only for the line to be disconnected. I also spoke with XXXX because my cell phone is an international cell phone. It seems like I have been devalued as a customer because I moved from the XXXX XXXX to my husband 's country of XXXX XXXX. My husband is XXXX and just recently had XXXX XXXX back-to-back. We are not able to make the trip to XXXX just to walk in a branch. I have talked to so many people and no one is helping. Can you please help me resolve this matter??? 

Thank you! 

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 2023-03-01
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I called Equifax and informed them that their were inquiries on my consumer report that was unauthorized and that I do not recognize. I demanded that they remove these inquiries off my consumer report as I never gave them permission to report anything inaccurate and negatively on me. Pursuant to federal law Title 15 USC 1679c - Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for 10 years. This information is inaccurate, alleged, and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXXXXXXXX****, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
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:
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 : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had written a personal check for XXXX dollars and the bank debited my account XXXX dollars causing my account to be overdrawn. They are saying they can't return my money for 1-5 business days which is unacceptable to me. My XXXX XXXX is elevated, I have to pay my rent and other bills. Since it was their error and not mine, you would think they could expedite this, but I was told they couldn't. Bank of America is holding my money that I need and will make interest on it while I'm just left with, that's the best they can do. The rich would have this solved in minutes, but us poor who need their money are left to suffer.

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