BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had this card since XXXX with all payments on time & in full. XX/XX/XXXX I received a letter via the postal service-Dated XX/XX/XXXX- ( Bank of America CC had me go paperless in XXXX. After that all communication, bills and payments were done online, ph or email ). It stated that I haven't used my CC in 2 years & to keep it open I needed to used it by XX/XX/XXXX-Or they would close it on XX/XX/XXXX. I tried to remember. But, was dealing with the death of my Mother ( XX/XX/XXXX ) & dealing with my grief & the Estate duties. I saw the card in my wallet & used it on XX/XX/XXXX ( I couldn't remember the dates the letter mentioned & assumed it was by the end of XXXX ) The purchase went through, so I assumed I was correct, XX/XX/XXXX I got the e-bill & paid online on XX/XX/XXXX. XX/XX/XXXX I received an email from XXXX stating there was a change in my credit. I received nothing from Bank of America. XX/XX/XXXX-I received a paper bill in the mail with a due date of XX/XX/XXXX-for the already paid bill of {$13.00}. I called Bank of America on XX/XX/XXXX & they confirmed my account was closed for inactivity & couldn't restore that card. Now after a lifetime of stellar credit. My credit score has dropped to " Good '' & I am treated like I have bad credit. They need to reinstate a CC from my original date to restore my credit. As of XX/XX/XXXX-I just learned I have NO FICO score. XX/XX/XXXX-Filed with the XXXX. XX/XX/XXXX-Received email from a BoA resolution agent-I then called XX/XX/XXXX & XX/XX/XXXX-Got vm, left msg. XX/XX/XXXX-XXXX  called me back , we spoke for 7 min.XX/XX/XXXX-I emailed & asked for an update ( He to this date XX/XX/XXXX hasn't replied to the email ) .XX/XX/XXXX I cc, lvm,XX/XX/XXXX I called 2X. he returned my call minutes before he said he was leaving-I cc, lvm. XX/XX/XXXX-XXXX  called at XXXX & said he was just waiting on 1 more thing & should soon have an answer. XX/XX/XXXX & XX/XX/XXXX-cc, lvm. I have also sent XXXX  multiple emails asking for an update-with no reply. XX/XX/XXXX-I filed a complaint with the Attorney Generals office-who has now sent 2 letters to BoA & suggested I reach out to you. This was my only credit card ( obviously I am not the type to like using these ). And now after 29 years of having, using & promptly paying with this credit card. Their uncalled for actions have totally ruined my stellar credit. This wasn't cancelled for irresponsible use-But rather, they are choosing to punish me for not charging enough.

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 2023-08-09
Company: FinCo Services Inc DBA Current
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the account and had no issues at first. I did it use the account that much. I started back working and made a couple {$1000.00} deposits from XXXX. While my child was sick and 3 days before we were supposed to leave on vacation my account was locked/frozen. I provided everything that was asked of me. I was in constant contact with the bank, but never got any answers. They would not speed up the process at all. The fraud department will on communicate through email and they are only available XXXX during daytime hours. They held my money for almost a week. I have XXXX children and did not have access to ANY money. On top of that, they continuously asked for the originating source of the money that I deposited from XXXX. I dont see how that is any of the banks business. This extremely inconvenienced my family and I absolutely do not agree with their practices or protocols. It caused my bills to be late, we had to cancel our vacation and my child had to go without medication. At one point I even threatened to contact my lawyer, but that did no good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
You can not get online with Equifax to dispute its been down for weeks and i sat on hold for 3 hours on the phone with Equifax until i gave up and now that i disputed the same info on XXXX now its telling me it wont let me sign in to XXXX  it says its to protect my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my TransUnion report I have a XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX On my XXXX  report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX   {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my XXXX  report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With XXXX  I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  - XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 explanation
Consumer complaint received 2023-08-29
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: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2021-04-03
Company: CONGRESS COLLECTION CORP
State: MI
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:
I reported an invalidated debt on my XXXX  credit report from the credit reporting agency, Congress Collection. This company has failed to report an accurate account of the balance, and has not removed this derogatory remark from the credit file. Further, this account has been paid in full - Confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX : {$3000.00} DEPT OF ED/XXXX XXXX Balance : {$8300.00} DEPT OF ED/XXXXXXXX XXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: MARINER FINANCE, LLC
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:
On XX/XX/2020 I sent a certified letter to Mariner Finance XXXX XXXX   XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.

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 2023-02-11
Company: Experian Information Solutions 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:
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 accounts 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 accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$32.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7000.00} MI XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TOWER LOAN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXP XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-02
Company: Bread Financial Holdings, Inc.
State: MI
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:
This company fraudulently duped me into a credit card without my knowledge. I never signed a contract or had prior knowledge of a impending sale or transfer to Comenity / Ad or whatever name they go by. 

I had a {$7000.00} XXXX XXXX with XXXX XXXX which never exceeded {$6400.00}. The new company caused so many problems that my loan was sold to any attorney XXXX XXXX XXXX whom I settled with & had deleted from my credit profile. 

This fraudulent Ad / Comenity XXXX XXXX XXXX XXXX keeps reporting fraudulent information stating that I held a highest balance with them of $ XXXX then more recently $ XXXX I've tried to dispute this erroneous information & I've even called them to personally ro express my concern & dismay about this fraudulent information. 

This is my final attempt before seeking legal means to delete this from my credit profile forever. 

I am aware that others have had the same issue that I endured. ( See Below ) https : //www.classaction.org/news/sterling-jewelers-comenity-bank-hit-with-class-action-over-phony-store-credit-card-sign-ups

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: United Shore Financial Services, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with United Wholesale Mortgage ( UWM ). My loan number is XXXX. I work for the federal government and have allotment set up to pay {$1100.00} every two weeks. UWM constantly changes the bank routing number and does not tell me. This results in me getting late notices. I have called UWM at least 100 times over the last year and they are incapable of doing their job. Please help me. XXXX XXXX, phone XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
There are items that need to be removed from my consumer report and I have not heard anything within the allotted 30 days about. I want all of these items removed immediately. 

I demand that the following account be verified or removed immediately : XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/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 2021-12-22
Company: Aargon Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Sir/Madam I am reaching out to you as I am left with no option for help as this debt collection agency has hit my credit score without even interacting with me and engaging with me. 

I had gone to XXXX XXXX XXXX XXXX ( DC ) XXXX XXXX XXXX  back in XX/XX/2019 for a minor XXXX XXXX. I had provided all my insurance details ( XXXX ) and the hospital confirmed that they have all my details and the insurance will take care of it. After 3 months I got a bill of ~ $ 2k which I was asked to pay- I immediately reached out to the hospital and they mentioned that the insurance didn't pay. I subsequently reached out to XXXX XXXX  and they mentioned the hospital filed a late claim ( past the claim window ) but subsequently they did take a look and paid ~ $ 1k which they believed was what the hospital owed. I got a verbal confirmation from XXXX that everything is settled. 

Now 2 yrs later, I get this multiple chases from this debt collection agency ( Aargon Collection Agency, details below : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Tel : XXXX Fax : XXXX XXXX XXXX XXXX XXXX  ) saying I owe them ~ {$400.00} from back then, I respond to them in a detailed email citing the history and ask them to sort it with the hospital. Instead they make a derogatory mark on my credit score and refuse to take it out while I am still interacting regularly with them. The agency also mentioned that they haven't yet spoken to all parties ( insurance, hospital etc ) but want me to pay up and refuse to take out the derogatory mark. This is extremely frustrating as I am an extremely disciplined person with respect to payments and have never missed a payment in my entire lifetime. This case is an inaccurate payment which I am not required to pay and I would appreciate if you can help me on this. 

I have been requesting them to take the mark off while they investigate and speak to both the insurer and the medical company but Aargon agency has refused to do that. This case is an inaccurate payment which I am not required to pay and I would appreciate if you can help me on this.

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