BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I submitted the appropriate paper work on XXXX to close my credit card processing account effective XXXX due to the closing of my business. I also asked how to return the equipment/ supplies. I have made numerous calls to customer service, each time given a case number and a promise of a resolution, to no avail. They keep referring me to someone named XXXX XXXX XXXX. He will not return numerous calls/ texts. The account is still not closed over three months later and no one will tell me how to return the equipment. What should be a simple process has become beyond frustrating. What a terrible way to do business. XXXX  case # XXXX and # 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 # 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 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 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 XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Aidenbaum Schloff and Bloom PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX sending me XXXX XXXXXXXX letter and regular letters in the mail about a debt my mom XXXX XXXX owes XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX ) for {$29000.00}, and more. I never gave my information to them and this is not my debt. I feel harassed at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
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:
Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : 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 2023-05-09
Company: Freeway Funding, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit again on XX/XX/2023 and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the account still reflecting on the report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2023-07-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a credit card in the amount of XXXX. An inquiry was made with the credit bureaus and I never applied. The account is through Chase Sapphire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries on my credit report are unauthorized XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 These inquiries are unauthorized nor have written consent with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I went to my local BankofAmerica branch ( on XXXX XXXX, corner of XXXX and XXXX XXXX ) to pay my normal BofA Credit Card bill. And as usual their service at this particular branch was nothing less than atrocious. Then on XX/XX/XXXX I received an email questionnaire from BofA asking me how my experience at BofA was. So quite frankly, I told them they should get out of the Branch Banking business because on ANY day, they have ONE person working their counter and working the drive-thru and the WAIT each day is a joke. So they asked me multiple questions on how my experience was and I very bluntly told them. 
Then on XX/XX/XXXX I received an email from Bank of America telling me my credit line had been reduced from {$20000.00} to {$500.00} because of a BAD Credit Score. I then received a letter in mail detailing exactly their comments sent via email. 
Now here is the ironic part. I have had this BofA credit card since XXXX and for the entire year of XXXX, I pay my Balance monthly, XXXX carryover, and I have maintained that relationship in almost identical terms since XXXX ( paying off balance ). Yet BofA went to the 'incredible conclusion ' that my credit score made me a Credit Risk. I was a Bad Customer! 
The part of this explanation which is almost laughable is that I have {$130000.00} in credit lines at XXXX XXXX ( and of yes, Bank of America wanted to know if I had a checking account with them -- which again is incredibly laughable -- considering their Customer Service is so Poor ). 
I now understand why the House Financial Services Committee has barbequed XXXX XXXX as of late. Bank of America should receive the same Scrutiny when you treat 'CUSTOMERS ' such as I with exactly the same disdain. And I would like to repeat, they have been making Money off of my use of their card since XXXX with ZERO interruptions because of use. Not me making money off them. They making it off of me. 
I hope the CFPB will look into this matter. They are a Public company, not Private!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I am a senior citizen living in the state of Florida and I have been scammed and defrauded by Wells Fargo bank. I had a home mortgage with Wells Fargo Bank acct XXXX. I paid perfectly for 12 years and the balance was down to XXXX but in XXXX when I got sick and had to sell my home Wells Fargo charged me {$120000.00} over my payoff and said it was for fee 's and added interest all of which was extremely excessive. I called them many times but never got any help. 

As a senior citizen I was limited on being able to fight this big company which I know has had serious fraud charges against them many times.

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 2023-05-15
Company: Alorica Inc.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have already filed a complaint with the CFPB because of fraud duplicate payments that was being deducted from my account. Now Im being told that my loan is past due because automatic payments were stopped because i was behind 5 payments. I have proof from my account that all payments were made on time. A confirmation email that automatic payments were finally setup the correct way. Now because of their error my loan is past due 5 payments. I need someone to contact me or I will have attorney reach out to this company for business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
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 : 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 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 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 XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: PA
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, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to the bankruptcy and charged off accounts that appear on my credit report. These accounts have caused me a great deal of distress, as they are preventing me from obtaining credit and moving on with my life. 

In XXXX, I filed for XXXX XXXX  bankruptcy ( XXXX XXXX XXXX bankruptcy account ) as I was unable to keep up with my debts. Since then, I have been working hard to rebuild my credit, and I have been making steady progress. 

However, I have noticed that several accounts that were XXXX in the bankruptcy are still being reported as charged off ( DEPT OF EDXXXX XXXX charge off account, XXXX XXXX charge off account, XXXX OF XXXX XXXX charge off account, XXXX XXXX XXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX XXXXXXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX XXXX charge off account, XXXX XXXXXXXX XXXX XXXX charge off account, XXXX XXXX XXXX XXXX charge off account ). These accounts should have been included in the bankruptcy and should no longer be listed as charged off. 

I understand that it can take some time for credit reports to be updated, but it has been several years since the bankruptcy was XXXX, and these accounts are still causing me a great deal of trouble. I would appreciate it if you could investigate this matter and remove these charged off accounts from my credit report. 

I have been making every effort to rebuild my credit and improve my financial situation, but these accounts are hindering my progress. I hope that you will take my situation seriously and take the necessary steps to correct this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries on my credit report are unauthorized XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 These inquiries are unauthorized nor have written consent with my signature

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 2023-05-09
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
FEB/Destiny - Pulled a hard inquiry for a credit check. I did not authorize this credit inquiry. I was unaware that this inquiry was on my credit report with the 3 credit bureaus. [ [ [ [ My last name at the time the inquiry took place was XXXX ] ] ] ] I have since restored my name back to my maiden name XXXX XXXX XXXX I have attempted to contact the company to let them know this hard inquiry was not requested by me and was most likely fraud, but the contact number on the credit report is not in service. I contacted the credit bureaus and they suggested I file a complaint with FTC and also mail the credit bureaus a letter disputing the hard inquiry with a copy of my drivers license. I mailed out those letters this morning, Tuesday, XX/XX/XXXX. 

Here is the information of the company that ran a hard inquiry : FEB/Destiny Inquired on : XX/XX/XXXXXXXX  Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Any assistance in having this inquiry removed from my credit report is greatly appreciated. This has caused a drop in my credit score. 

Thank you, XXXX XXXX XXXX ( Formerly XXXX ) ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: PA
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:
I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. See below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2022-07-06
Company: Experian Information Solutions Inc.
State: VA
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # 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 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 2022-02-03
Company: Experian Information Solutions 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:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXX XXXX  XXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXXXXXX XXXX XXXX XXXX. This collection is not on my account XXXX XXXX XXXX XXXX. Understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2023-07-02
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to express my concern regarding the conduct of Aldous & Associates, a collection agency that has been handling an account in my name. Despite my repeated attempts to address the matter and dispute the accuracy of the account, Aldous & Associates has failed to comply with applicable laws and has disregarded my rights as a consumer, and has committed multiple violations of the ( FDCPA ) and ( FCRA ). 

Despite multiple disputes, I have received no written communication, ever, from Aldous and Associates regarding the debt prior to reporting to the CRAs, prior to the letter I received on XX/XX/XXXX, which is a clear violation of 15 U.S.C. 1692g ( a ) ( 1 ). 

I have disputed the accuracy of the account both verbally and in writing, prior to receiving the aforementioned letter. Aldous & Associates has consistently failed to address or acknowledge my dispute, which is a direct violation of 15 U.S.C. 1692g ( b ). This disregard for my rights as a consumer and the agency 's duty to investigate the disputed account is unacceptable. 

Noncompliance with Cease and Desist Request : On XX/XX/XXXX, I sent Aldous & Associates a formal letter stating my refusal to pay the debt and explicitly instructing the agency to cease all communications with me, as is my right under the FDCPA. However, the agency sent me a letter on XX/XX/XXXX attempting to collect the debt, completely disregarding my refusal to pay and my request to cease all communications. This clear violation of 15 U.S.C. 1692c ( c ) reflects a blatant disregard for the law and my rights as a consumer.

Company response to consumer: Closed with explanation