BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my second and last attempt, to see will Bank Of America regulatory complaints division, acknowledged there wrong doings by reporting fraud and identity theft accounts to early warning check system, Bank of America has admitted to there wrong doings of reporting fraud accounts and also allowing the same person or whom ever open 3 accounts with them in my name that any bank or organization that keep sensitive information that can affect a person life and financial ability, to have some type of strict fraud observance or identity fraud acknowledgment. Bank of America allowed a account to be open again after closing an account that had fraud checks and fraud transactions which lead to closing, 2 months later they gave the same person which is my name open another account and fraud draft the account again. I was told these accounts would be removed from my report and i am not held responsible. Months later these accounts still reporting on early warning which cause me to get denied a loan and account from multiple banks, I filed a cfpb report and requested that this be removed immediately due to promise to remove items in 15 days, which lead to 60 days and counting, I spoke with XXXX XXXX, with the Bank of America resolution division and was told he will investigate and get back with me within 3 days after I provided him with uploaded documents of proof that I was already granted the removal, XXXX XXXX has sent me more proof that Bank of America allowed someone to have history of check fraud and identity account fraud to open a new account 3 months after closing the first 2 fraud accounts. I have sent my demand letter also and attached it to the complaint and he avoided it, I am in a mental and financial hardship due to Bank of America improper use of reporting my information and improper account management. I also noted the violation of which theyve committed. I will also have that attached along with a new demand letter, that I will take this matter to court if its avoided again. ( FCRA ) ( 15 U.S.C 1681 a

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 2020-12-16
Company: EQUIFAX, INC.
State: NY
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 figured out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Google Compare Credit Cards Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Google , IncXXXX is making unauthorized withdrawals to my bank account. I subscribed to Google Inc. in XX/XX/XXXX to rent storage space ( Google One basic plan for XXXX monthly ) for my gmail account. I provided authorization to Google to debit my bank account Once a XXXX for an amount of XXXX. The last time Google Inc. debited my account was on XX/XX/XXXX and they successfully debited XXXX from my account, however, in bad faith or due to a technical error on Google 's behalf, Google continued to debit my account on the same day ( XX/XX/XXXX ) even after successfully debiting the authorized amount on that day previously. Google incessantly and persistently debited my account for XXXX repeatedly numerous times before they were authorized to do so.These incessant debits resulted in overdraft fees for my bank. I have attached proof of the incessant debits that Google has repeated to my account, the last successful debit from Google on XX/XX/XXXX, the Basic plan Google subscription for XXXX per month, and the pay method Google used to debit my account. I want to dispute these transactions Google has made to my account and be refunded the overdraft fees, fees from any additional unauthorized debits, and 3 months of free storage by Google due to the negative impact their unauthorized debits have had on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I attempted to talk to XXXX XXXX at Wells Fargo Home Mortgage around XX/XX/XXXX. There is a recorded conversation stating if I was concern about my escrow we can do a trial escrow run. The trial escrow run was not going to affect me till the XX/XX/XXXX escrow will be ran. 
I get notified less than 30 days in XXXX of XXXX that I have a escrow shortage of {$130.00}. I was shocked. I never even called in yet to do a escrow trial and Wells Fargo decided to illegally ran my escrow which they did this malicious. I placed a call to XXXX XXXX again and did not get a return call till 10 days later which their policy should be returning phone calls within 48 hours or so. 
XXXX XXXX offered 24 months to cover the shortage but the payments will be from {$840.00} to {$860.00}, unless I pay the shortage will be only {$850.00}. I don ; t see how this will help the consumer when I be paying XXXX more and when the XXXX Escrow comes I be paying even more. This put me in a financial hardship. This only benefits Wells Fargo not the consumer with the higher payments and less than 30 days till XX/XX/XXXX. I then received my XXXX escrow which again did not except over {$100.00} I only expected at least {$50.00} I do get it that things went up but the XXXX escrow I should have been offered a better deal instead offering me to pay more than what normally it would be if paid in full. I don ; t need a breakdown on what went up, I already know this but the malicious and illegally ran escrow in XXXX should never happened.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: AK
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:
XXXX XXXX XXXX  improperly reporting

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 2023-07-06
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: Credit inquiries on your report that you don't recognize

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-07-06
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Account information incorrect

Complaint:
I contacted Experian to inform them that the XXXX XXXX XXXX account should be deleted as fraudulent. The problem is as followed : I contacted XXXX  after they reported late payments to my credit report. XXXX  system operates where they are connected to the consumer 's bank account and withdraw payments every thirty ( 30 ) days. I emailed a technician back and forth telling them that there was a problem with their application. ( please see history of Emails ). They never fixed the issue. Subsequently, they charged off the account to save face for their improper business practice. 

I disputed this error. It has been removed from my XXXX and XXXX report. However, Experian refuses to comply showing deliberate intent to remain complicit in causing me financial harm. They have circumvented the law and poses as a critical partner in helping fraudulent company defraud the Government and Consumers. 

XXXX XXXX XXXX does not have the right to write this debt off as they failed to fix an issue that is widespread news. ThXXXX XXXX XXXX XXXX  have received thousands of cases pertaining to this same issue and Experian turns a blind eye to such information.

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 2023-07-06
Company: EQUIFAX, INC.
State: OH
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 25 inquiries on my credit report that didn't result in myself obtaining financial services from them. As per U.S.C. 1681 sections 602 & 604 I had a right to privacy and no agency can furnish my account without my instructions. These I queries occurred roughly from XX/XX/2023 to XX/XX/2023. 
These inquiries have resulted in my credit score being negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear CFPB, Thank you so very much for taking my complaint, I am truly grateful. I have attempted in every way possible to dispute Late payment errors that never occurred with My XXXX  Loans which has been in deferment/income-based repayment since I XXXX  in XXXX, I was never ever late because no payment was ever due. All 3 credit Bureaus refuse to correctly investigate and remove these late payments, they are reporting them incorrectly and the lates doesn't make any sense as to how they are reporting them, starting off with late 120 days, then okay, then another 120 days, then okay, late 180 days, etc. recordings that's totally unheard of and totally impossible, this is not possible for a payment was never due, they have the same account listed over 15 times on my report with the same number but with different amounts. I have asked to remove all the closed XXXX  loans accounts, they are incorrect and they have refused to do so per my request per certified return receipt requests, I request this 60 days so far, every 30 days and still nothing. They take away XXXX points for 1 inquiry and never restores those points within 90 days as promised. I asked for the contact information to whom they spoke with, nothing. I have sent in proof of My HIPPA violation by XXXX XXXX  of my Medical Debt information, per what they supplied to me that they ( XXXX XXXX- they could not provide me a Debt Validation, they sent medical information without a HIPPA relation ) were sent from the client, they refuse to remove. I have requested all old addresses and old phone numbers to be removed, I have been at my present address for over 9 years and I have had my current phone number for over 10 years. They insist on not removing Alias of my name, I have never ever went by any other name then XXXX XXXX XXXX, never, and I have explained and explained and the Bureaus refuses to remove this incorrect reporting data. At this point, In accordance with the Fair Credit Reporting Act Equifax, XXXX, and XXXX has violated my rights as listed below : 15 USC 1681 Section 602-States I have the right to privacy.

15 USC 1681 Section 604 A Section 2-It also states a consumer reporting agency can not furnish a account without my written instructions I am sure they are violating many more of my rights, these are just the ones I have found so far, the Credit Bureaus ( all 3 ) are targeting me just to keep my scores low and this is the behavior that is not acceptable. 

Resolution, all the late payments on my XXXX  Loans be removed Resolution, XXXX XXXX be totally Deleted off my account Remove all old addresses and name alias Thank you so very much, for your assistance is greatly appreciated. 
With Respect, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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, and I have written a formal letter disputing a debt on my credit report placed by a collection agency called Merchants & Medcal Credit Corporation , Inc asking for LEGAL and VERIABLE evidence of a debt belonging to me. 
Merchants and Medcal Credit Corporation , Inc responded to my dispute letter with a bill claiming that this debt is mine. I responded requesting for this item to be removed as a bill is not a form of debt validation, and the proof had to bear my signature. 
Since the second written dispute letter, Merchants & Medcal has decided to bully me with a response stating proof has been provided and they will not respond to anymore of my letters asking for proof nor will they remove the debt that they have not verified. This serves as my FORMAL COMPLAINT as this company is willfully breaking the law and violating my rights as a United States Citizen who has a right to dispute debt and ask for copies of LEGAL DEBT VALIDATION, per the Federal Trade Commission and the Fair Credit Reporting Act. 
Please provide me with a written correspondence of the outcome of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
They never gave me an application or loan number but they would have it under my SS # XXXX. I applied for a HELOC with US Bank a little over 90 days ago. They ran my credit. I gave them all the documentation they requested. I had a specific representative assigned to me for my contact through the process. Her name was XXXX XXXX. XXXX XXXX XXXX Mortgage Customer Specialist XXXX | XXXX. I was told via email that my credit income were all verified and everything was ready to go. They then sent their Certification of Revokable Trust Form that had numerous questions on it that had to be notarized by myself and my wife as we have revokable trust. I also had sent them the " certification of trust '' document from my trust as well. I am attorney for over 30 years. I understand the questions very clearly on US Bank 's " Certification of trust form. I filled it out four times, had it notarized four times. Three times the review team stated it was filled out " incorrectly. '' On the third time I requested that they point out what was wrong or at least the item number they were looking at. I was told, since this is legal document they can't tell me. I found to small errors on the first two which were inconsequential and not material I have no idea what was wrong on the third or fourth. I reviewed them several times before sending them back. They were property notarized, dated and signed correctly. The problem is every time I submitted the Trust Doc to them it took them ten to 14 days to get back to me that it was " incorrect '' but would not tell me what was incorrect so I could correct the issue, which for the life of me could not see an error. I was just told, ten days later after the fourth attempt the review team says it is still " incorrect. '' but refuse to point out to them what is incorrect. They have now closed their filed denied the loan because it has " timed out '' over 90 days. The delay was caused by their delay, and REFUSAL to simply let me know what was incorrect or what item they were concerned about. Without telling me what they thought was " incorrect '' I can't fix it when everything is correct when I look at it. I gave them every document they asked for. I was approved and the trust document was the ONLY hangup but would not tell me what was " incorrect '' so the application timed out.

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 2022-05-25
Company: HireRight Solutions, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My consumer report regarding my criminal record. That has been expungement by the court. I will submit the paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017, I received a derogatory mark on my credit report from the American Adjustment Burea of {$310.00}. I've attempted to clear the negative remark on my report for it is hindering my ability to open accounts and I was not sure where this bill was coming from. I would like to address this immediately. I want to clear the negative remark by paying the balance or having it be forgiven. I was unaware of the implications and I am in a tough financial situation right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: AZ
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:
n accordance with the Fair Credit Reporting act Experian 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. 

other credit reporting accounts are XXXX.

Company response to consumer: Closed with non-monetary relief