BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. 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 ( 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. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} or XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

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 2022-03-26
Company: EQUIFAX, INC.
State: WI
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 a letter regarding an inaccurate and unknown thing on my credit report. On this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigate these items within 30 days gave reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly expensive accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has caused my family. furthermore my information was impacted by the Equifax Data Breach which may have resulted in my information to be in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This account was paid off in XXXX of XXXX but, still shows open and a balance. 
I have called them repeatedly, last time being XX/XX/XXXX at XXXX XXXX. 
The last representative I talked to XX/XX/XXXX told me it was closed and XXXX balance remains but, when you pull up the account it shows active and a large balance.

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 2023-06-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I've had ongoing issues with Wells Fargo and mismanagement of my Checking and Retirement Savings. This complaint is focused on only one part of my XXXX XXXX XXXX. On XXXX XXXX, I was made aware that my account Email had been hacked and passwords changed. I immediately called Wells Fargo and explained to them what had happened. I disabled and deactivated my Wells Fargo checking, my retirement savings, and my newly received Wells Fargo charge card with XXXX balance. I explained to Wells Fargo, several times, that due to the fact that my account Email had been hacked, that NO communication with Wells Fargo either to or from my account Email, as this would simply be communicating with the Identity thief or thieves. I was given a secret code # by Wells Fargo. When I was ready to reopen accounts, I would call back with my secret code numbers, new Email, and ID verification. 
-- XX/XX/XXXX : I called back to make sure that everything was in place, as requested, and it was verified. 
-- XXXX XXXX : I called back with secret code, new Email, and ID Verification to reopen my accounts, as I had been dealing with identity theft issues. Wells Fargo stated that my accounts were already opened. I said " No Way ''. And I proceeded to check my account balances. My accounts had been drained. And there was also {$1300.00} fraudulent charges on my newly received Wells Fargk charge card which had XXXX balance. 

I was then referred to Wells Fargo Claims dept. In my 62 years of life, I have never experienced a department as useless as Wells Fargo Claims. I was continually teasted as the identity thief. Copies of my ID 's, countless Emails, Phone Calls, and letters, got no results!! Wells Fargo basically refused to help me to get into my accounts, nor would they give me any info on my accounts. But they seemed to have let the identity thief have free access to my accounts.

I was then referred to the Executive Board. At some point, the monies lost during the fraudulent transactions had possibly been replaced, I assume, but then again Wells Fargo would tell me nothing, nor give me any access to my accounts. I went through two Specialists with the Executive Board, and several extensions past their communicated deadlines. 
XXXX XXXX and XXXX were the two Executive Office Case Specialists involved in my case. On XX/XX/XXXX, Wells Fargo finally answered a couple of questions on my account. Again, at some point it looks as if the monies were possibly replenished., but I was told nothing. The monies were possibly replaced in an account in my name which I had no access to, and was under the control of the identity thieves. Apparently, the identity thieves began removing these monies also.

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 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my two credit cards with no notice and for no reason in XX/XX/2023. When I called the bank, I was told it was a business decision and they could not give me more information. One of the credit cards was an XXXX XXXX XXXX card that I had been approved for in XX/XX/2023 and for which I paid a {$500.00} annual fee. I called Bank of America several times and asked for the annual fee to be prorated and reimbursed and for the accrued points ( XXXX valued at {$1100.00} ) to be applied to the balance on my card. They denied both requests. I had applied and paid for the card because of its benefits for a trip I was taking in XXXX XXXX. I lost all of the benefits ( including luggage fees, travel insurance, airline fees, etc. ) as I had already booked the flights and other parts of the trip on the card and Bank of America would not let me use any of the benefits or protections once they closed the account. I am extremely frustrated that I lost out in thousands of dollars, was given no notice or explanation, and have no recourse to resolve this situation. I was a XXXX XXXX client for 23 years with the bank. There were no late or outstanding payments, my accounts were in good standing, and my credit score is 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 2017-05-08
Company: USCB Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT USCB CORPORATION ADDRESS :  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  #  XXXX  PHONE :  XXXX   XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m (  f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person (  company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section  1681c-2 of this tit le has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A   ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section  1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious   XXXX     XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to  XXXX  As a form of record and I am prepare to sue your compan y Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court fo r the  Southern District of Calif ornia USCB CORPORATION Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  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 2019-05-24
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collections have put an alleged debt on my credit which i have no knowledge of. This alleged debt has already been paid to another collector who the account was sold too. So i cant owe the same debt twice. The document that is attached is the debt collector who ive made payments too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: IL
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 had contacted them about deleting  XXXX   XXXX  with documents from the settlement of the Class Action lawsuit I had been a member of and after several attempts of submitting these documents, the  XXXX   XXXX  is NOT deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  paid by V A for   XXXX   ride from V A to  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 explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$44000.00} ; XXXX XXXX Balance Owed : {$44000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2021 I learned that Wells Fargo aided and abetted XXXX XXXX XXXX in defrauding me out of {$25.00} XXXX dollars. Wells Fargo knew or should have known that that company was engaging in financial abuse of a vulnerable person like myself and did nothing to help me but instead turned a blind eye.

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 2023-10-24
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Credit reporting 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:
My information was missing used I didnt authorize Navy Federal to pull my credit report for any loans or credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. is furnishing information from XXXX XXXX XXXXXXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a Life Sentence Imprisonment of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXXXXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to refinance my existing mortgage currently with  Specialized Loan Servicing Company  to another lender when I found out previously in  XXXX  I had  two lat e payments back in  XXXX  and   XXXX   XXXX   XXXX    . I have bank statements showing my payments through ACH during the 4 months before and during these periods that show my account was paid on time. I have since had my credit rerun and found they are now reporting a late payment in   XXXX   XXXX    .  XXXX  my report showed it was current and there were only lates from  XXXX  and  XXXX . Now their records are in correct again. I asked the lender to fix this issue and I have gotten nothing but the run around with only worse results. They sent me a payment history with their records and I find it very peculiar that my payment for   XXXX   posted on  XX/XX/XXXX     one da y later to cause a 30 day late. I feel their accounting of has been incorrect that is favoring them as I can not refinance my loan to another lender. Forcing me to be stuck with them as a loan servicing company. My loan was originally serviced by another company called   XXXX   XXXX   XXXX   Since the transfer over the record keeping has not been accurate. My payments a t one p oint were still going to the old company although the transfer had taken place but I was unaware and uninformed. You can see from my record I have never missed mortgage payments in the past. I feel I am not being treated fairly.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX  XXXX XXXX Balance : {$100.00} 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