BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 I received a call from someone stating that they are from XXXX XXXX and that my mother is four months behind on her electric bill and if the bill isn't paid then the electricity will be turned off. I ended up paying the bill for {$330.00} using XXXX through my checking account. I realized after the fact that it was a scam and called TD Bank right away and they had told me that they would investigate it and within 5 days they would call me back, which they never did. I ended up calling them and was told that there was nothing they could do because I willingly sent the person the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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:
some one stole my information and now i can not gain access to my credit at all to fix it.

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 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Hi, I initially reported all of the fraud on my TransUnion credit report on identitytheft.gov, and according to the FTC 's instructions I sent TransUnion a letter indicating which debts were not mine, and that I was a victim of identity theft. I received a letter from TransUnion indicating that they will not investigate the identity theft and fix my credit report. I spoke to someone from the FTC and they said that under FCRA ( a ) " Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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. " I literally fulfilled all of the 1-4, and even provided the FTC identity theft report. According to them in FCRA B, they rescinded to block the fraudulent information. Honestly, I don't know why they did this, and I didn't benefit from this fraudulent activity. My credit is ruined, and my home buying process is delayed due to this experience, and my credit cards have been affected by reducing my credit line. All of this experience has been horrible. Today I called TransUnion customer service due get clarification to this letter, and the agent advised me to get letters from each creditor, and send it to TransUnion. As of date, I have not received any letters from any of the creditors to fix my credit report, and as a private company all TransUnion does not follow FTC rules. Also, under FCRA 605 C, " ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. '' Seriously, how could an identity theft victim receive any benefits? My credit report is wrecked, and TransUnion refuses to follow the law to recuperate my identity.

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 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited check XXXX XXXXXXXX in the amount of {$1700.00} drawn from XXXX Bank to Bank of America on XXXX. The check was approved by the branch manager and deposited into my account with their typical 24-hour hold. The check was marked for deposit only, no cash back requested. Later that night, the check was put on a 7-business day hold by Bank of America 's `` clearing house. '' I met with the branch manager on XXXX and he found zero reasons as to why this particular check was held. He called the fraud dept., they said no suspicious activity, account is good, go ahead and use it. All the branch manager had on his screen as to the reason was " confidential. '' Both the Bank of America and XXXX accounts have overdraft protection. I met with XXXX as well, they said the check cleared on XXXX with no problems. I am concerned that Bank of America acted in an overly aggressive manner on a seemingly benign transaction with no explanation as to what necessitated their action.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-04-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I applied for a chase checking account of XX/XX/XXXX and I noticed there was message on the banker computer and he didnt read it but it saids dont open this account for this customer but this banker in XXXX Texas open a chase checking account no questions ask and I set up future payments so I can have my bills paid and the next day on XX/XX/XXXX chase decided to end a relationship with me and wouldnt tell me why since I didnt do nothing wrong and I had there credit card for 11 months with no issues and never been late or I never made a minimum payments and Im trying to restore my relationship was XXXX and I do think they are a good bank but I was wrong I had few reps were rude to me and being a smart XXXX and they refused to release my funds and I told XXXX that I have a upcoming direct deposit coming up this Friday on the XX/XX/XXXX and they told me I wont get it and it will be a huge delay and I explain to chase that if they dont give me my money that I worked hard for I will have to hired a lawyer and I feel like this is abuse and discrimination based on my race and my XXXX .... I also look on the banker screen while he stepped away and I noticed there was a charge off account back in XXXX I never applied for XXXX in XXXX I want XXXX open up a Fraud investigation on it ... XXXX has let me down and ruined my day and closed my checking account and I had to move money over and called my other banks and cancel payments and I end up getting charged a return check fee from XXXX XXXX Because XXXX block my payments XXXX  XXXX is unable to collect them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-19
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: Information belongs to someone else

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 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 explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report noticed XXXX XXXX XXXX account. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. As a reference, please see the below FRAUDULENT accounts in question that must be DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. This company has not valid proof Ive ever done business with them because I have not. I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.

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 2023-09-07
Company: Bread Financial Holdings, Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I honestly do not see how this company is still up and running I paid this company off early regardless of the fact that they should have marked this account closed a long time ago when I showed them the contract wasn't fulfilled... I still paid it off through my attorney cause the reputation of the company lies. I sent in proof of payment over and over but they still act like they don't know what is going on..my Attorney and I was told they would defer the payments for that month until the payments were received they sent an email saying congratulation paid in full then turned around sent a bill with me owing more then I paid off its crazy. and B4 u ask yes I did send the email to them as well They said we would get back to never did but guess what I got two bills in the mail and one email saying I need to pay them again ..they added interest and more money to a bill which is paid in full and did I mention this case was closed to begin with yes it's a closed account cause i reported not getting full service of what I paid 4... SO NOW I WAIT AS THEY SAID TO DO SENT INFO OVER 5X IM DONE GIVING THEM THE SAME INFO AND NOTHING IS BEING DONE.. THIS COMPANY HAS SO MANY COMPLAINTS ABOUT THE SAME THING WHY R THEY STILL UP AND RUNNING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I will be suing all 3 credit bureaus for false placing medical records on my credit report for years that do not belong to me. I have filed many disputes over the last two years. First and foremost I have full medical insurance so my company is always billed. Second I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Grevens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I have not authorized any companys to share my medical information under the HIPPA laws this is a violation. Third. None of the medial bills listed belongs to me and Ive reached out to the hospitals as well documented and recorded everything this is becoming an harassment to my life financially and I will see them in court for falsely placing medical bills on my credit report.

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 2022-10-11
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 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 an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: MD
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:
In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX  - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 2017

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 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I HAVE FILED NUMEROUS COMPLAINTS AGAINST BANK OF AMERICA USING PRADATORY LOAN TACTICS AND YOU ( CFPB ) CONTINUE TO DO NOTHING!!! ABSOLUTELY NOTHING!!! THERE HAS GOT TO BE SOMETHING YOU PEOPLE CAN DO, I MEAN YOU'RE PAID BY THE GOVERNMENT TO SIT IN YOUR OFFICES AND DO WHAT EXACTLY??? TO BE A MESSENGER AND TAKE IT OUT OF TAX PAYER 'S WALLETS??? WHAT EXACTLY IS YOUR PURPOSE BECAUSE I AM NOT GETTING ANY CHANGE FROM BANK OF AMERICA!?! 
NO BECAUSE THEY ARE CONTINUALLY LYING LYING LYING AND CONTINUE PRACTICING THEIR PRADATORY LOAN TACTICS AND YOU ( CFPB ) ACTUALLY BELIEVES THEM WOW!!! 
THE COMPANY 'S " RESPONSE '' IS THE SAME BS THEY'VE BEEN TELLING ME FOR YEARS!!! THAT THEY ARE WORKING ON IT AND/OR HAVE " RESOLVED '' IT AND/OR TO CALL THEM ( WHICH THEY NEVER NEVER NEVER ANSWER THEIR PHONES!!! ) I HAVE BEEN TRYING TO CALL THEM FOR YEARS NOW SINCE THEY STOPPED TAKING PAYMENT OVER THE PHONE AND THEY " USED '' TO GIVE ME A CONFIRMATION NUMBER AND HAVE NOT DONE THIS IN YEARS!!! SO NO THEY HAVE NOT RESOLVED NOTHING!!!

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