BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I'm a natural woman submitting this complaint on the behalf of myself without any third-party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, XXXX and Experian is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

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 2022-12-16
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company NCA, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to dispute this charge in XXXX and XXXX and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. I have attached a copy of my identity theft report filed to substantiate my claim. Your prompt attention to this matter is crucial to mitigating the damage caused by this identity theft and restoring my creditworthiness. 

Below are the details of the discrepancies I have identified : XXXX XXXX DC XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX have already removed XXXX XXXX XXXX from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have found several accounts listed on my credit report that I did not open or authorize. These include credit cards, loans, and other financial accounts that do not belong to me. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: In progress
Consumer complaint received 2022-03-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Closed on a mortgage for a new construction XXXX br/ba XXXX sq. ft. townhome on XXXX/XXXX/XXXX. The final disclosure added charges for the appraisal from the original estimate and wound up costing {$1500.00} for the appraisal! This was nearly {$1000.00} more than the appraisal on my {$2700.00} sq.ft. private home refinanced with Wells Fargo a year prior. 

I asked for the invoice from the providers. They sent me a statement which appeared that the service for the appraisal was {$450.00} and there was an additional {$1000.00} charge from the middleman that arranges the appraisal and invoices Wells Fargo. I said that the {$1000.00} charge for a PO and an invoice was absurd. They thought otherwise. 

The original loan estimate dated XX/XX/XXXX showed the following for the appraisal : {$790.00} for the appraisal {$18.00} for the credit report {$160.00} for a final appraisal The final loan disclosure dated XX/XX/XXXX showed the following : {$1500.00} for the appraisal They claim a {$560.00} lender credit for overcharges of the following : {$26.00} for overcharging on recording fees {$530.00} for overcharge on appraisal fees So they claim the original $ XXXX $ XXXX {$160.00} - Even though these numbers don't reconcile, they included {$160.00} for the final appraisal even though a final appraisal was never done and did not show up on the final disclosure as a line item. Even though I mentioned over and over again and they acknowledge a final appraisal was not done, they felt justified charging me for it. So at the very least, they owe me {$160.00}.

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 explanation
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Saturday, XX/XX/2023 I reported to my bank, Bank of America, that my business account, XXXX, XXXX had been fraudulently accessed and {$4200.00} was transferred via XXXX to a person I do not know and did not authorize to do such. Her name allegedly was XXXX XXXX XXXX. A phone call was placed to me which appeared on my cellphone as Bank of America. The person calling asked whether I was authorizing a transfer to someone in Texas. I replied no. In reality, they were fraudulently getting my assistance to take my money and transfer it out, which they did. I did not go on my computer/account to do any transfer. They did. Bank of America investigated under their claim number XXXX and advised me in writing today they are not putting the {$4200.00} back, claiming they were following my " instructions '' facilitating the transfer of funds. I did no such thing however. This was fraud. I believe this should be covered under Regulation E pertaining to fraudulent electronic fund transfers. Please advise. Thank you.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 any accounts and information 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 items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-03-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
Late payment was listed on my credit report which is an invasion of privacy. NAVY Federal for Car payment which was paid is listed as Late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: WI
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 XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. After carefully reviewing my report, I have found several errors that are causing damage to my credit score. 

Firstly, I noticed that there was an inquiry made by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. However, I do not remember authorizing this inquiry and I believe it might be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, there was an inquiry made by XXXX XXXX, XXXX on XX/XX/XXXX, which I also do not remember authorizing. As with the previous inquiry, I believe this may be fraudulent, and I request that it be removed from my credit report immediately. 

Thirdly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which to the best of my knowledge, has never been paid late. However, your reporting of this account is completely inaccurate and is negatively affecting my credit score. Therefore, I request that you update this account and delete the inaccurate information immediately. 

Fourthly, I have an account with XXXX XXXXXXXX XXXX account number XXXX, which I find questionable as I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Fifthly, I have an account with XXXX XXXX, account number XXXX, which I do not recognize as belonging to me. I kindly request that you investigate this matter and delete this account from my credit report. 

Sixthly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Lastly, I have an account with XXXX XXXXXXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

I would greatly appreciate your prompt attention to these matters. I look forward to receiving a written response from you within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your time and assistance in this matter. 

Sincerely, 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 2023-03-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectExperian violated my right under the FCRA Experian never sent me the full investigation that they took to validate that accounts I demand that Experian Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number XXXX, has violated my rights.

15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-03-18
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Monday XX/XX/XXXX I submitted a dispute to my apple credit card company Goldman Sachs Bank, for a flight that was purchased from XXXX XXXX to XXXX XXXX for the date of XX/XX/XXXX of 2022. Because of COVID restrictions the country of XXXX was not allowing XXXX American Citizens or residents into the country, therefore I had to cancel the flight with a total cost of XXXX. When I tried to cancel the airline was not willing to provide me a full refund for this matter. So I turned to my credit card company to file a dispute. Since the credit card company took too long in the dispute process the time of travel passed and the airline denied me a refund, calming the tickets were issued, But my family and I Never traveled. So now there is a XXXX charge on my credit card for a flight that I did not take and could have not taken due to Covid-19 restrictions. After being denied the dispute I reached out to the credit card company again for help and they denied me any more help. All they did was open up two more disputes that resulted in the same final decision that they would not refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain.

1. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has been deleted from XXXX but somehow it is still being reported by you. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If XXXX notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/XXXX I was alerted that {$3000.00} was taken off of my EDD card without my consent I've been trying to contact EDD for answers from then to present still no answer from them unable to get through to them on their line I've been dealing with Bank of America about the situation in which they put two claims in one for {$2000.00} and another one for {$1000.00} the {$2000.00} was paid off to me through Bank of America completing one claim and which they say they sent out to me the second claim for {$1000.00} but I've never received it in between I was also issued out another EDD prepaid debit card through Bank of America and {$2000.00} again was just stolen from it the account and which I have to do another claim to get my money back I'm not understanding how the money is still being taken off my account with new card and a new PIN code all I can do is call Bank of America and have them tell me to sit back and wait for the investigation the end which could take up to 90 days I'm really in need of help this is the second time I've been victimized and almost 7 weeks I filed for police reports for the first incident when it happened in XXXX and still haven't heard anything back from the police which were four cities it was filed for I don't know what to do at this point somebody is hacking my information and I don't know where it's coming from but I still obtain my debit cards and they are able to go to Bank of America ATMs and still pull out money of {$1000.00} transactions

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 2023-11-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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, account : XXXX 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 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with non-monetary relief