BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: TX
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:
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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: CO
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 please remove this fraud inquiry from my credit 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 explanation
Consumer complaint received 2023-12-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I've tried contacting Customer Service by phone on:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

and online every month (since XXXX) to get more information about why the daily interest keeps me from paying off my loan in a timely and reasonable manner. 

I have been paying as required yet I seem to only be paying approximately 1% off every year as far as I can tell. 

More detailed statements about how the monthly amount is distributed between the principal and interest since this loan was established would be appreciated so that I can ascertain if my finances will allow me to increase my monthly payment reasonably.

At this rate, my car loan (which is 7 times as much and a year younger than this loan) would be paid off sooner! 

Since phone calls go unanswered and the Website always manages to have trouble any time that I want to question what is going on, I'm seeking information through this medium.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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:
This is my 2nd 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Bank of America ( BA ) handles the unemployment payments from the State of Maryland. BA issues a debit card and the unemployment payment is deposit directy to this card. On XX/XX/2020 my debit account was hacked. A total of {$130.00} was withdrawn. The debit card account was XXXX XXXX XXXX XXXX I called the number on the BA card to report the fraud. The BA customer service rep said they would issue me a new card. However to get a refund for the amount that was fraudulently withdrawn the rep said they did not handle the refunds since this was handled by a different department. She gave me the number to call which is XXXX ext XXXX or extension XXXX. I tried calling these number for 3 days at different hours of the day. The phone system just puts you on hold. Finally I just gave up calling. I emailed BA about this issue and I go this email message I received an email from this address XXXX  XXXX  XXXX and the message below Thank you for contacting Regulatory Complaints of Bank of America . As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your dedicated point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XXXX to confirm that information. My days and hours of operation are Monday Friday XXXX XXXX  XXXX XXXX  MST. 

Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday Friday XXXX XXXX  XXXX XXXX MST. 
Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX, extension XXXX Monday Friday XXXX XXXX XXXX XXXX  MST Case number : 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 2020-07-13
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: Account status incorrect

Complaint:
A closed collection account with XXXX XXXX XXXX is being reported on Experian as late payments now showing up. They can not all of a sudden add late payments on a closed collection with NO payment arrangements ever made with the creditor. They are refusing to correct this and it keeps coming back " verified ''. I have sent a method of verification letter and have NOT received any response.

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 2022-12-02
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: Account information incorrect

Complaint:
Approximately 45 days I contacted XXXX of XXXX to purchase a XXXX XXXX XXXXXXXX XXXX  XXXX for my business XXXX XXXX XXXX. I explicitly communicated to the sales person and the Finance Manager that the sole purpose of the transaction was to obtain financing for the vehicle under my corporate profile to further establish my corporate credit by adding a secured trade line that would report to the various credit repositories. Almost a month passed by when I realized that my trade in ( XXXX XXXX XXXX ) had not been paid off. The new finance manger told me that the previous finance manager had forgotten to get several signatures on the contract and needed me to come in and sign the missed signature blocks. I agreed to come in and execute the documents. XXXX weeks later I realized my vehicle had still not been paid off and I was in jeopardy of my existing lien holder marking me 30 days late with all XXXX credit bureaus which caused me to have to make an additional auto payment on top of the $ XXXX down payment made for the purchase of the new vehicle. On XX/XX/XXXX I received a notification from Experian  and XXXX that a new auto loan in the amount of $ XXXX was now reporting on my personal credit report which lowered my personal credit score from a XXXX to a XXXX instantly. In the end I was charged over XXXX  % interest for a vehicle that was intended to be in the name of my corporation for no reason. I agreed to the higher rate only to accomplish the loan being funded through my corporation. I have suffered financial damage both interest rate wise and credit score wise due to bait and switch tactics as a result of unfair, deceptive and abuse tactics of this dealership. I contacted the General Manager two times with no response. In addition I contacted the new finance manager who was extremely condescending, unprofessional and disrespectfully combative when I attempted to seek resolution.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00}.

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 2022-10-19
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 there was a transfer of {$400.00} plus a {$4.00} fee out of my PayPal account sent to an individual I do not know and I did not add the contact or make the transfer. On the same date I found unauthorized activity in my bank accounts. I contacted the bank immediately and they assisted with account closures and filing the disputes. I filed an identity theft report at XXXX. I am pulling together all of the paperwork to file a police report. I contacted PayPal and told them this was unauthorized and I am a victim of identity theft, but their response was it is not covered under their buyer protection plan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 non-monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXwww.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.

.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: JPMORGAN CHASE & CO.
State: MO
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 was alerted to an unauthorized inquiry for a loan by XXXX on XX/XX/2022. I contacted JPMorgan-Chase and XXXX XXXX the same day. I was informed a second loan application had been made and that both were obviously fraudulent. JPMorgan-Chase assumed me they would seek to removed the inquiries and I have written XXXX XXXX three times in the last six months disputing them. To date the remain in my report having caused a precipitous decline in my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Bank of America via mobile app on XX/XX/, 2019 to advise them I had fraudulent activity on my account on XXXX XXXX, 2019. I advise that the charge was fraudulent inducement from a company that promised products and services that they never provided. My initial attempt was made to the company to try to get my money back but I received a message that the company had been closed permanently and was currently in receivership for an induction order placed on them by the FTC for fradulent inducement, false representations, unfair deceptive acts, and other charges. After speaking to a bank rep via the phone in less than 24hrs I received an email stating my case was closed and the bank was not able to " get into the receiver 's account '' to get my funds back. I called multiple times to let them know that this was fraud and the company is no longer in business and I have only been advised that I can't get my money back because I wired the funds and did not use a check, debit, or credit card. I believe this is unfair after being with a company for more than a decade with the thoughts that I would be helped in protecting my money from lying, deceptive, vultures preying on people looking to create a living and hopefully a little wealth for their families. Bank of America did not offer any help in this matter and I think that all of their consumers should know that this bank is not for its people.

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 2018-08-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with TD Bank ( US ) for more than five years and then I received a letter from them on XX/XX/XXXX that they will close all of my accounts including my credit card accounts for no given reason. I did call the number was attached and the phone number was XXXX and I was told that they have the right not to give me any reason. I believe my right was violated and I was discriminated Because I have a XXXX XXXX XXXX name I never had any check bounce or overdraft in the last five years and I always have an extra phone in my accounts. And TD Bank representative told me that banking in in the United States is a privilege not a right which I could I was absolutely shocked by his answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts on my credit report. The accounts in question are listed below and I have included their associated account numbers : XXXX XXXX ( late payment account ) XXXX XXXX  XXXX ( late payment account ) XXXXXXXX  XXXX ( late payment account ) XXXXXXXX XXXX XXXXXXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXXXXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX XXXX XXXX charge off account ) XXXX XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) I am disputing these accounts because I believe they contain inaccurate and/or incomplete information. These errors are negatively affecting my credit score and financial wellbeing.

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