BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX was reporting an open date of XX/XX/XXXX for this account however Transunion was reporting that this account was placed in collection on XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same 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 2023-06-14
Company: EQUIFAX, INC.
State: NY
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:
Upon retrieving my credit report to my surprise I noticed an inaccuracy. It was a COLLECTION account XXXX  acct # XXXX reporting that NOT ONLY AS AN OPEN STATUS, BUT ALSO A PAST DUE AMOUNT of {$1400.00}. Not accurate According to the FCRA I have the right to an accurate credit report. I sent a certified letter to Equifax about this on XX/XX/XXXX which they received on XX/XX/XXXX and asked them to remove this item due to inaccurate reporting ( a collection account cant have an open status and a past due amount reporting On my credit file. 
I received an updated response by Equifax stating the account is verified and updated *balance, *past due, *credit limit, *actual payment schedule, *portfolio status, *account history. 
None of which addressed my concerns : Equifax commented consumer dispute ( not specified ) but it was I am attaching the letter and their report reflecting open, past due and collection account as well as the certified mail receipt In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Date opened XX/XX/2017 Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violating 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX, XXXX, and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX CT XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance XXXX {$940.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXX  XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX XXXX : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on 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 2018-10-02
Company: EQUIFAX, 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:
I NOTICED THAT XXXX XXXX  PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE XXXX XXXX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE XXXX XXXX SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED. Equifax has the police report and refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ' card that we used for years at retailer, specifically XXXX grocery stores. Presumably, there is funds to be used for my now XXXX child. I am unable to get any information on the balance of this account. The phone number only verbally redirects to websites. The website isn't useful. Online support takes over a month. 

Online searches indicate this company may be a scam, and that seems consistent with my experience so far. Taking money and not paying out or disclosing details seems to be a fraudulent activity.

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 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
First of all this account was paid in full after it was closed 4 years ago. They told me they could garnish my government funds or my employers bonus. After they said that, I paid them. Now theyre saying it was never paid. But Im trying to understand how do I even owe almost {$700.00} when I only had a {$200.00} pre-paid credit card account with only a {$200.00} limit that was never raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
On XX/XX/2018 I was contacted via phone by a representative from Portfolio Recovery Associates. On XX/XX/XXXX and XX/XX/2018 they received letters, via certified mail. In these letters I formally requested that Portfolio Recovery Associates validate this debt. It is now XX/XX/2018 and I have not received any response. 

I noticed that XXXX is now reporting I owe XXXX  XXXX {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-01-13
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Gemini Trust Company LLC is an exchange they sell cryptocurrency I had 2 purchases with them XX/XX/XXXX and XXXX of {$5000.00} a piece bank transfers to them I'm not sure if they were domestic or international I have looked them up and they have 3 addresses in XXXX the one that is used most often is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX I bought 2 bitcoins worth off them for {$10000.00} combined price I have a web page with them showing the amount and all the transactions but it won't let me take them out they are holding them they said the money has cleared but I can't take them out and transfer them to my wallet ( it's a cryptocurrency device ) I have called them at their number XXXX but it's a recording you can't leave messages or email them direct you have to go through their website to message them and they don't return messages I've looked around the web and found a lot of negative feedbacks about this same problem people say they were scammed by them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Thank you for your service at the CFPB. It has been brought to my attention that my consumer rights and protections are being violated and trespassed upon by US BANK. US BANK has seized my credit report by reporting information on my property without a court order or my written consent and is authorizing XXXX to not remove my personal addresses because US BANK is reporting to XXXX where I live at. I was told by an agent at XXXX that I could not remove my personal information ( addresses ) because US BANK is reporting where I live. Im pretty sure that is identity theft at Most and at minimum a violation of the F.D.C.P.A ( Fair Debt Collection Practices Act ). US BANK is committing identity theft against my Estate.

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 2021-06-27
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: Was not notified of investigation status or results

Complaint:
From XXXX XXXX XXXX of 2021, I filed a dispute with Experian, XXXX and XXXX about the unverified and inaccurately reported collection account : XXXX XXXX XXXX Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 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 2019-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 My account was fraudulently charged the amount of {$290.00} from a company called XXXX XXXX based in Washington state I live in North Carolina. I called my bank Bank of America ( BoA ) and told them the charge of {$290.00} was a fraudulent charge. In concordance with BoA policy they gave me a temporary credit in the amount of {$290.00} and said they will investigate the charge. 

On XX/XX/2019 I received a letting in the mail stating they the charge was found to valid and that they will be taking the credit back from my account. 

I then started my own investigation into this matter. I called the company that charged me XXXX XXXX. I spoke with a person named XXXX who stated on the phone that they were unable to find an account my name or my wife name. The person also stated that they indeed see the transaction but no product was shipped for this transaction and said it does will to be a false charge but will need to escalate the matter to their supervisor. 

I then called BoA to find out what kind of investigate was done by them into this matter and if they contacted the XXXX XXXX company about this matter. I was told they did NOT contact the company and they only monitor the card transaction and if they do not see any other fraudulent charges they assume that the disputed charge was valid. 

On XX/XX/2019 the money that was credited to me in the amount of {$290.00} was taken from my account even though I requested that the case be reopend and the merchant contacted. 

On XX/XX/2019 I visited my local BoA branch and spoke with the branch manger about this issue they called up the fraud claims department at XXXX and asked about my charge. They were told I needed to provide more evidence that is was a valid claim. I ask them how do I do that I received no product and even the merchant said nothing was shipped and the claim charge didn't seem valid. I was told I needed to send a fax with a statement saying it was a fraudulent charge and they will then reopen the case. 

Today XX/XX/2019 I still have not heard from BoA about the claim. when I call the Claims Department ( XXXX ) they only say that they have 45 days to investigate and there are no notes in the claim.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$32.00} XXXXXXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$82.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00}

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 2021-06-28
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 25 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A credit Card and a LOC was given by Wells Fargo for XXXX XXXX XXXX XXXX XXXX. I was told that it was not on a personal guarantee. On applying for another loan from another entity there was an audit where it was revealed that Wells Fargo had actually misled me and they were on Personal guarantee. This effected my application for another loan. My business already effected by the COVID 19 has caused a serious situation for my business

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 2021-11-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2019, a letter was sent to my home stating from my mortage company. According to the Mortage company, the payment we received on XX/XX/2019 for XXXX was returned unpaid by the drawing baking and the reason for payment return was the account was Frozen/Blocked. I tried to call Citibank several times. But I was given the run around. My XXXX card was also block and i was unable to use it. Both My savings and a checking account were Frozen/Block. CitiBank refused to return the money I had in both accounts.

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 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America wrongly debited {$8500.00} from my Bank of America checking account on XX/XX/2022. BofA, via clerical error, accidentally debited from the wrong person with the same name living in VA with a Bank of America account. 

It took countless hours and phone calls and emails to have Bank of America and the law firm involved to restore my funds and remove the BofA charge to execute the transaction. 

I have been advised to obtain a written assurance that this erroneous debit will not be reported to credit agencies and will not have a deleterious impact on my credit score/rating or credit history in any way. 

So, I'm asking that your legal department furnish something in writing around this specific request so I can include it in my file. A letter addressed to me and referencing these circumstances- NOT a boilerplate document on your website available to all your customers. 

I have been a Bank of America customer for almost 30 years and I want BofA to do right by me. For all this hardship that this has caused, I just want it in writing that BofA will take responsibility if my credit in any way is tarnished by its mistake.

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