BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After phone and wallet was stolen from out of my car. Bank of America allowed someone to make transactions adding up to {$4600.00} on my account without calling me to authorize a single payment! My accounts have since been closed except one account ( balance of XXXX ) that funds are being frozen for no reason. This is illegal. 

They said they would do an investigation ; they also sent me fraudulent paperwork dated XX/XX/XXXX, stating " We've issued a termporary credit for {$4600.00} while we conduct our research on your claim. '' Another document stating also a credit of {$1900.00} on XX/XX/18. And a third stating that they removed all of the before mentioned funds from my account. Remember all three documents were all created on XX/XX/XXXX, immediately after the freezing of my funds. 

They later determined stated that the refunds were not going to be given back to me even though I never authorized the transactions, my pin number was not used, and I was never alerted about an extremely unusual high spending of my funds. 

After checking my account, no funds had ever been deposited into my account. And the actions and dates mentioned on these documents are false. 



None of these

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 2023-01-16
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On or About XX/XX/XXXX I XXXX XXXX did check my credit report and I noticed that an Auto Loan was opened in my name on or about XX/XX/XXXX by the XXXX Santander Consumer Usa and I XXXX XXXX did not authorize no auto loan to be put in my name so I contacted Santander Consumer Usa and asked them to verify this account because it was Fraud and I did not give anyone no permission to put a car in my name and how did XXXX get my information to open up an account in my name also I told them that I never went to no XXXX to register that car nor did I put any insurance on this car so they told me that It would be deleted but It is still showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX 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 an account with my written instructions.

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 2018-05-08
Company: FIRSTBANK PUERTO RICO
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Yesterday XX/XX/2018 I recieved a phone call in my neighboors land line ( not even I know the number ). The operator called about a car loan from FirstBank in Puerto Rico. 

I had preciously contacted the bank about my financial situation following Hurricane Maria since the car was purchased as a working vehicle for XXXX. With cero electricity for months and thus no cellular connecticity, this was impossible as XXXX shut down operations. 

The operator from XXXX XXXX, located in XXXX XXXX Puerto Rico ( XXXX ) not only contacted a third party without my consent, but also threatened to report the car as stolen and said twice that I was asking for blood. I also have a voice message with her threatening to proceed, without any further explanation whatsover. 

She refused to give me her full name and only identified herself as XXXX XXXX. 

Therefore, as instructed, I am submitting this complain and look forward to receiving a complainy number as I wish to contact FirstBank to negotiate the debt. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2022-05-22
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX 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 an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I called each credit bureau early XX/XX/2021 because I noticed accounts reporting inaccurately and they all told me to send disputes including my ID, SS #, and a utility bill proving my identity and address. So XX/XX/XXXX I sent out my disputes CERTIFIED MAIL and I have proof they were received. They have NOT updated, deleted, or even responded to me. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Lockhart, Morris & Montgomery Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX  gave us a contract to protect our home. The service never worked properly. When cancelling, they promised us all upgraded equipment for free with another contract. They showed up once and didnt bring equipment. Since then, there are false statements of them saying they came when they didnt and made calls to me that never happened. After battling for years I just want this to end. I have equipment that is from the first contract and so outdated it didnt work with the second contract. I should not have to pay for a service that was never provided to me. Looking into this company now, I regret ever getting in contract with them. They dont let you cancel and keep tacking on money. I am not the only person with these issues. I will not pay for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act Account XXXX XXXX # XXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my written instructions

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 2023-10-29
Company: EQUIFAX, INC.
State: TN
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 started this new complain as CFPB closed last complaint against Equifax misleading false procedures allowing scammers to report fraudulent credit slandering reports against me and not meeting the requirements I believe they are to adhere to, making misleading statements and incompetently and continuously allowing XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX report XXXX and fraudulent negative credit reports against me without proper investiigation.Ive asked them countless times to remove they're fraudulent scam reporting against me, and they " claim '' they're going to do an investigation, which implies independent demand for all document, proof and validation I've many time insisting on per the simplest of my rights under FCRA, however I found out after numerous times even demanding my rights be respected and they do what's required of them properly, that they only ask scammers if what they report is true, then just take them at their dishonest word and falsely stated they've verified the accuracy and that's mind-boggling incompetently and misleadingly false.Theese scammers have never shown me, Equifax or any credit agency or agencies what they are required to do, which is to provide dumentation, proof, and validation.Furthermore they ignored all rules regulations, my rights, and obligations and responsibilities they are required and mandated to adhere to damaging me greatly.Therefore I insist on Equifax to respect my rights and do their job properly and require Credit Control XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX copy XXXX XXXX proof, and all validation I demand under the simplest of my rights per FCRA as they should know, as they never shown me, any credit reporting agency or any agency their required to do, instead of asking these scammers only, if what they're fraudulently reporting against me is true and accepting these scammers words for it as thats a highly incompent way to investigate but that's what they do sadly and I expect them to properly demand all documentation, proof, and verification to Equifax and to me as their predicated and required to do and I expect Equifax to honor this most simplest of my rights.When they fail to show as I know they never have shown and can't show to anyone any proper documentation, proof, validation my rights demand, as its impossible to show something that doesnt exist and is a scam perpetrated against me, and I expect for Equifax adhere to my rights and remove this scam if they have any professionalism or integrity and do what they are required to do.Thank you, I expect full removal of XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX they XXXX XXXX provide the proper documentation, proof, and validation I not only have a right to demand under the simplest of my FCRA rights.

Company response to consumer: In progress
Consumer complaint received 2023-07-10
Company: CITIBANK, N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX I was sent a credit card statement saying that I owed {$99.00} for a credit card with CitiBank that I never applied for. 

I have never received the card and do not want it. I will not pay {$99.00} for a card I do not want and will not use. This seems like a scam to me. When I called the XXXX number I got a person in a foreign country with terrible English who wanted my social security number which I will never give over the phone. 

I wrote a letter on XX/XX/XXXX to the CitiBank address on the statement and I have never gotten a response. The company has no working email address on their website. 

I tried the chat feature on the website. This time I got a phone call from a person with a thick Russian accent. She also request my SSN, which I did not give to her. 

I continue to get threatening emails from CitiBank. I no longer get the robocalls because I blocked the number. 

I can not give anyone the credit card number because I never received the card and it is not on the statement. It gives the last four numbers as XXXX. Is there a way to resolve this without giving someone my social security number?

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 2023-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting the account as a charge off. yet XXXX / XXXX has not provided me a 1099 C nor provided one to the Internal Revenue Service. Therefore, they are incorrectly and inequitably damaging me and withholding my credit and securities from me.

Company response to consumer: In progress
Consumer complaint received 2023-10-31
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX : Innovis and XXXXAttached you will find multiple XXXX CFPB Complaints against XXXX, XXXX and XXXX XXXX XXXX place account XXXX ( up to XXXX words ) Consumer Statements for my XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Accounts and XXXX XXXXXXXX XXXX accounts. That means XXXX account specific Consumer Statements must be included within the detail for every one of these XXXX accounts. You should read this Complaint as if they are addressed to Innovis and XXXX requiring you to insert the requested Consumer Statements for the identical reasons. Moreover, due to my pending United States XXXX XXXX case in XXXX in the XX/XX/XXXX case styled XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and my subsequent pending XXXX arbitration filings with XXXX XXXX XXXX cases as XXXXt against XXXX  XXXX XXXX XXXX and XXXX, you must not only permanently mark each account as Disputed by Consumer until court litigation and arbitrations are completed in a few years but you must initiate the required dispute investigation with all disputed Furnishers plus delete every old address, except my current address, to avoid frivolous lawsuits being started against me in an improper venue outside my XXXX area XXXX I expect to subpoena your records in my XXXXXXXX XXXX XXXXXXXX cases and my federal lawsuit so it is imperative that my records be 100 % complete and accurate and Metro XXXX and FCRA compliant without obvious Facially False Data in violation of the CFPBs XX/XX/XXXX advisory by CFPB Director Rohit Chopra . Kindly promptly provide me with a complete credit report by US First Class USPS Mail as soon as you receive this complaint and an updated complete report after the XXXX account specific Consumer Statements are included and another updated complete credit report after you complete your investigation of my disputes for the XXXX accounts. Sincerely, XXXX XXXX. XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Hello CFPB Team, I am writing to report what I consider to be insufficient credit card investigation from Bank of America. On XXXX XXXX my credit card was charged for three different transactions at XXXX XXXX in XXXX, New JerseyXXXX XXXX, New Jersey, and XXXX, New Jersey for {$210.00} each. I am a resident of XXXX, XXXX XXXX I do not have a vehicle. And I was in XXXX, XXXX ( I have documentation supporting this ) on XX/XX/XXXX - XXXX. I was not the individual who made these transactions. I reported the fraudulent purchases to Bank of America only to received a response that they determined that the purchases were authorized. I have been attempting to appeal this decision for several months, and Ive found their appeal process confusing and dishonest. I would appreciate any guidance as to next steps I should pursue. 

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 monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-03
Company: EQUIFAX, INC.
State: RI
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXX BANK NA XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}

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 2023-10-29
Company: EQUIFAX, INC.
State: FL
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:
Hello, my name is XXXX XXXX. I am a victim of Identity Theft. I have noticed multiple accounts being reported to my credit that I didn't open or even had an idea existed. I have argued with Equifax customer service reps and they always give me the runaround. They try any reason to not remove said accounts. I have attached a PDF with the latest communication I sent to Equifax. I will also be including screenshots of one account as an example of how Equifax is reporting inconsistencies and therefore breaking the fair credit report act. They find any reason to deny my claims, I have spoken to XXXX XXXX ( XXXX of the creditors ) and all the information that they find " verified '' does not match any of my information on ANY credit report. The Identity Theft got so bad that I am facing an eviction and these accounts are stopping me from getting a loan out. I have over XXXX positive accounts to my credit report besides these XXXX. Also, please have them disclose the methods and the representative that helped them verify the accounts as " accurate ''. I am reporting them to you and the Consumer Financial Protection Bureau but I need proof of their verification methods because my next step is small claims court. Thank you so much.

Company response to consumer: In progress