BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any 3rd party or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A couple weeks I received a voicemail from " Bank of America '' to call with an urgent business matter. I have been in communication with the real BoA so I did call, they stayed I owed {$710.00} and if I didn't pay they'd send me to collections. I told them I had paid. Then I realized it was fraud and hung up. I called the real BoA and they confirmed neither of those calls were from BoA. I blocked the number. I now receive a letter from fake " BoA '' staying that I owe {$710.00}. They want payment to po box XXXX XXXX, CA XXXX phone # XXXX. I am obviously not going to pay or reply.

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 2023-05-07
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed several things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello so I visited PNC bank in XXXX XXXX and was discriminated on and not giving any of my money when I called before coming and the funds were available. I called the customer service number and the women said I dont know they are not giving you your money its available so I called the supervisor over at XXXX XXXX to tell her what the customer service lady said and she got frustrated and hung up on me and refuse to answer any called after that. I went to any branch and was treated kindly and even giving more money than she initially stated. She got caught in a lie and made me feel really bad. Excuse after excuse and I had no gas with my baby in the car. XXXX thank XXXX the other branch helped but it was a bad day. I believe she judge me for being XXXX with such large amount and made up lies to not get me any money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any XXXX XXXX or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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 2022-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I want to refile a complaint against Bank of America. They responded to my previous complaint XXXX -- XXXX however they did not give accurate information. What is the point of going through this regulatory process when the bank can say what they want and not be held accountable. I sent supporting documents in my previous complaints against BofA and XXXX and it shows dates, times and names. All conversations are recorded so do I need to get an attorney to finally get a legitimate response? Is a class action suit more in line? What will it take for big banking to be held accountable. 

BofA states I did not respond to their requests for the trial mod and they are incorrect in saying I did not respond. They are on a recorded line when their rep XXXX XXXX said they failed to connect with me at the designated appointed times because of a faulty calendar system AND their rep XXXX XXXX told me NOT TO PAY THE TRIAL {$2200.00} and I attached proof of conversations that outlined I did what was asked of me. They are not telling the truth and I am the one left to pay the price. Further when they told me to get the documentation in for the traditional loan mod, I turned in what they needed then XXXX said to resend it because they didnt have it. I have cert labels tracking they received it. XXXX even told me to get the info in a 2nd time quickly so they might still be able to keep my loan. I DID WHAT THEY SAID. This is not right that they should close this file because it is not accurate or true! 

On XX/XX/2022 at XXXX I got a call from The Rep from regulator compliance ( XXXX XXXX ) who received this complaint even read me back some of the notes stating what I said was true so how does it come out to be this result???? They misguided me on paying the trial amount and then said I didnt provide them with information they requested- when I did. This was done in an effort to have XXXX take over the loan. XXXX stated he would try to get the loan back or talk to XXXX  to see if they can offer the original trial that I WAS TOLD NOT TO PAY and try to do the traditional modification. Why would your reps misguide someone about to lose their home? 

They need to be held accountable and I do not accept their idea of a resolution. They did not handle my account correctly and something should happen to them for this.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX  XXXX Balance : - Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Bankruptcy : Discharged XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-03
Company: Experian Information Solutions Inc.
State: SC
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 XXXX  # 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 15 U.S.C 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 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In alignment with the Fair Credit Reporting Act : The inquires listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

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, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have 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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX and transunion have put XXXX credit back on my credit file the court judgment was final in XXXX.They attempted to sue me and I had a lawyer they voluntarily dismissed the case and it was removed from my credit file. Now once again I see them back on my credit file this year reporting out of no where!! which has caused my XXXX XXXX to drop tremendously is what the intent of the collection agency to do. They tried to sue but I obtain a lawyer and the case was dismissed by them voluntarily how then are you sneaking it back on my 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 non-monetary relief
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: LA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX Bank XXXX ( XXXX ) ; XXXX XXXX  XXXXXXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXXXXXX XXXXk ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX  ( XXXX ) ; and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 and XX/XX/2019. 

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.

15 U.S.C 1681 c, ( 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.

My identity was stolen by a close relative who I believe was my foster daughter. Any of these companies has yet to provide some valid proof of my opening them. I have received statements from the fraudulent accounts claiming to be the validation which proves nothing. Thanks for any help in resolving this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX ( XXXX XXXX XXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate 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 2017-12-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this collection I pulled my credit fill and this and this collection was listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Atlantic Collection Agency, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Prior to a doctor 's visit I contacted the doctors office to question if I would be charged for anything or would it be covered under my insurance. I was advised I would not be billed as it was fully covered by my insurance. After I received a bill I contact the office numerous times where they stated I consented to the charge and after XXXX requests I was still not provided any documents where I consented. They have now filed for a collection under my credit report. I have contact XXXX  and on a XXXX way call to the collection agency I was still not provided any proof of debt that I consented to. They continue to lien my credit and I have requested a supervisor from XXXX within the US 3 times. I still have not received a call back. I simply want proof I consented to the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I TRANSFERRED BITCOIN INTO MY COINBASE ACCOUNT ONXX/XX/XXXXIT USUALLY TAKES 6 CONFIRMATIONS AND MORE OR LESS AN HOUR TO HAVE IT AVAILABLE OVER 12 DAYS HAVE GONE BY AND OVER 2000 CONFIRMATIONS. MY CURRENCY IS WORTH XXXX USD AND I CAN NOT ACCESS IT!! 
THE TRANSACTION SHOWS PENDING!!!! 

I HAVE EXHAUSTED EVERY RESOURCE TO CONTACT THIS COMPANY CALLING EVERYDAY TO THEIR CUSTOMER SUPPORT AND EMAILING WITH NO RESPONSE!!! 

THIS IS A COMPLETE FRAUD!!! 

ALL I WANT IS MY MONEY!!!! 

PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached docuents. I want the brueau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Ive had random transfer balance charges totaling almost {$4000.00} posted to my account on Discover. I call them and no one can explain where they came from, and I tried so many times. They even charged me interest for these bogus charges. When they do explain, agents tell me about charges already literally posted to my account. I finally got them to return some of my money, but they still keep charging me XXXX  as a broke XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions.

15. U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated my rights : XXXX XXXX XXXX Late Payment reported : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
Account # : XXXX Account Type : Mortgage This company has also violated my rights : XXXX XXXX Account # : XXXX Account Type : Mortgage Account Type - Detail : Conventional real estate mortgage Bureau Code : Individual Account Status : Closed Monthly Payment : {$780.00} Date Opened : XX/XX/XXXX Balance : {$91000.00} No. of Months ( terms ) : XXXX High Credit : {$100000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Affected by natural disaster Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccurate addresses on my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-02-20
Company: Experian Information Solutions 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 am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL 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 2022-06-03
Company: Professional Debt Mediation, Inc.
State: PA
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:
A debt collection in the amount of XXXX showed up on my credit report. It is by way of a complex called XXXX XXXX XXXX. Ive never been too XXXX XXXX, let alone lived there. This debt is not mine and is the result of identity theft. The collection is coming from Professional debt mediation , Inc

Company response to consumer: Closed with explanation