BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: MO
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 following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX   {$550.00}, XXXX {$550.00}, please remove from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to express my grave concerns and to file a formal complaint against American Express, their legal representation, XXXX XXXX XXXX, and notably, XXXX XXXX XXXX, regarding an account under my name. 

Overview of the Issue : Initially, I faced a debt with American Express of {$6600.00}. With a genuine desire to resolve the matter, I settled the debt for {$3600.00}, agreeing to a payment plan of $ XXXX  monthly. 

Everything proceeded smoothly until XXXX, when I had to close my bank account due to fraud. I immediately reached out to XXXX XXXX XXXX, hoping to adjust my payment method to my new bank account. However, they insisted on only speaking to my attorney. 

The journey with my legal representation has been tumultuous : In XXXX, I sought assistance from the XXXX XXXX XXXX ( XXXX ) for debt settlement. 
By XX/XX/XXXX, my case transitioned to XXXX XXXX. 
Eventually, my case was handed over to XXXX XXXX XXXX. They have been particularly non-communicative and appear to be in violation of ABA rules 1.3, 1.4, 1.5 ( b ), and 1.9 by not replying to me or other litigants. 
XXXX XXXX XXXX 's lack of communication left me in a precarious situation when XXXX XXXX XXXX took the drastic measure of filing for an interrogatory with the court, aiming to garnish the full amount. 

Remember XXXX stated I could not pay them directly because I had to have my attorney involved and yet they felt it appropriate to communicate with me directly regarding an interrogatory. They seem to want to have their cake and eat it too. 


Current Situation and Plea for Intervention : The absence of communication from XXXX XXXX XXXX and XXXX XXXX XXXX ' refusal to liaise directly with me has left me cornered, even though I have shown nothing but willingness to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: TX
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:
Prior to complaint # XXXX. I received a letter dated XX/XX/XXXX, from Equifax stating the company could not locate me in their database and I need to send additional information to be located in the database and my request for reinvestigation will be process. 

Per the letter request, I`m submitting my response though CFPB website because I want this matter to be handle properly. I have attached my social security card, driver license, and pictures copies of the inaccurate account that need to be removed from my report. 

Per bureaus guidelines, I have already submitted a complete report from all 3 bureaus showing the inaccurate accounts reporting in XX/XX/XXXX by certified mail. 

Per my request, please reopen complain # XXXX and reinvestigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi this incident was happen when I was trying to wiring money from my checking account from Bank Of America to the closing attorney office amount of {$8000.00} for closing on a property. 
After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in a bout five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the Bank of America to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in XXXX XXXX XXXX at address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX us and this was not the account we expected our money going into and I called to report the fraud on that wiring to the Bank of America at XXXX and they were able to stopped transection and had the the case # XXXX on this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more then 48 hours went back to the bank of America to let them know I still did not have the refund from that wiring and bank of america told me that XXXX needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : XXXX ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than tree weeks later and I have been going back and forth between Bank of America and XXXX and I have been calling XXXX XXXX ( BOA ) and XXXX XXXX ( XXXX ) and I got no help and they told me they can not even talk me direct on this mater and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. 
thanks

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 2023-07-17
Company: EQUIFAX, INC.
State: NJ
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
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: Reporting company used your report improperly

Complaint:
I was a victim of identity theft and this company is still reporting these fraudulent accounts ; XXXX XXXX, XXXX, XXXX XXXX XXXX on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights

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 2023-08-16
Company: CAVALRY INVESTMENTS, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
My credit report showed a derogatory remark of about {$4000.00} to Cavalry Portfolio. When I called them on Friday XX/XX/XXXX they wouldn't discuss it with me. They said To call XXXX XXXX XXXX at XXXX, which I did. I was told it was from a credit card in XXXX that I am unaware of. I offered to give them {$1000.00} to get rid of it, but they declined. Since it was so old I said I would just wait until next year when it would drop off my report. 
Today XXXX called me and said that they would take {$2600.00} to settle the account. I explained that I can not do that. I am XXXX yrs old, retired on social security. I rent my apartment, own no property, and have only enough money in the bank to pay my livine expenses. He told me this was judgment and that it would stay on my report forever. This was the first I heard of this. He said I was served in XXXX, which is a lie. I think I was living in Arizona at that time when the original debt happened, though I don't remember it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BANK OF AMERICA IS HOLDING {$10000.00} OF MY MONEY AND WILL NOT RELEASE IT. 
i SPENT HOURS IN THE BANK, AND THE MANAGER DOESN'T KNOW WHY.

ONE PHONE CALL SHE WAS ON WAS ABOUT MAYBE THERE BEING A LEVY ON ME, WHICH I AM SURE THE IRS WOULD CONTACT ME. THERE IS NO LEVY. 

ANOTHER CALL SAID I COULD BE DOING FRAUDULENT ACTIVITY.

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 2023-05-18
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit report alert from my personal bank on XX/XX/XXXX of a new inquiry on my account with all three credit bureaus. I logged into my XXXX account to see a debt collection on my account. The debt was placed on credit report on XX/XX/XXXX. I have no knowledge of this debt and was never notified by the debt collector. I immediately file a dispute with XXXX of " no knowledge '', which XXXX refused to assist. Stating the debt collector said the amount owe and debt was accurate and verified. My question is my whom? I was not made aware of any debt from the debt collector or original creditors. I was able to file a dispute or complaint in the allotted due to the debt collector 's failure to notified me prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Early Warning Services, LLC
State: UT
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:
Violation of 15 Usc 1681b and Usc 15 1682. Early warning illegally accessed my credit report, social security number and my private information without my consent and no contract. Then extorted me out of my information to provide me with a report they developed without my consent so they could save my private information and sell it without my consent. This company has violated the consumer fair reporting act. Early warning is keeping me from getting a bank account and are denying me access to credit and adversely affecting my life. They are holding my consumer report hostage for 15 days and refuse to email my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
I have an over 30 day late on my XXXX XXXX home mortgage account. I spoke to XXXX XXXX directly and they confirmed that I do not have a 30 day late. The representative provided a transaction history to send to the credit bureaus so that I can dispute. I have since sent the dispute to XXXX, XXXX XXXX and Equifax. They still have not changed any of the reporting and continue to verify as accurate even though I have proof that is not the case. This is severely interrupting my livelihood due to an accurate credit reporting. Payment history provided by XXXX XXXX is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For many years, Macy 's continues to add interest to revolving charge accounts even when they are paid off immediately upon receipt of the monthly bill. It is always {$2.00}. They are so used to getting calls disputing this charge that they have placed an automatic message that if the call is to dispute an interest charge, they will adjust the charge as " a courtesy. '' The balance is verified with them prior to payoff and the bills have been paid in full every time. W How about not charging it in the first place? 

Millions of customers that don't check their bills carefully or don't want to spend time on the telephone have been bilked out of millions of dollars. No other credit card company does this. It is time to force Macy 's to halt this practice and refund these " interest fees. ''

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 2022-10-13
Company: Experian Information Solutions 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:
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 Account name : # XXXX XXXX family support 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 explanation
Consumer complaint received 2019-09-13
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Sir : Reference is made to an incomplete investigation under number XXXX ; I am XXXX XXXX XXXX and I have been trying to get thousands of dollars back from Brokerage Accounts and Retail Accounts respectively under numbers XXXX and XXXX and XXXX : I am temporarily living in XXXX due to a family emergency and expect to get back early in XXXX : Please note, just received a letter signed by XXXX XXXX XXXX Vice President and Senior Counsel of Citibank Personal Wealth Management dismissing all claims by me against Citibank N.A. ; she has ignored that she has refused to produce evidence that at any time I authorized the erratic buying and selling of Securities making me lose thousands of dollars : no Margin Account agreement was ever produced. Those transactions which had been forwarded to MsXXXX XXXX were clearly documented. However she said in her letter of of XX/XX/XXXX that I have no claim.Also earlier in another investigation I called the CFPB attention to letters to Citibank Chief Executive Officer Mr. XXXX XXXX on XX/XX/XXXX as well as a letter to Executive Response Unit, Ms. XXXX on XX/XX/XXXX detailing fraudulent debits to my Retail Accounts respectively. How can they ignore so blatantly my claims and sweep-up under the rug? Its plain outrageous. 
I commend the work of each and everyone of you at the CFPB in helping Senior Citizens like me from being robbed : I am XXXX years old today and I am pennyless because of Citibank 's neglect. Today I have sent you via Certified Mail correspondence and I beg you to keep me abreast of any developments. Please feel free to contact me at my email : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX My phone numbers are : Cell ( XXXX ) XXXX Home : ( XXXX ) XXXX Thank you very much! Friday XX/XX/XXXX c/c XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This serves as a follow-up to my previous complaint dated XX/XX/XXXX. I am scheduled to update my credit reports once again within 15 days from today, and I anticipate further deletion updates from XXXX, XXXX, and TransUnion. I have taken the initiative to list the items here once again and re-attached my new FTC report with # XXXX. The items for removal are listed per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 non-monetary relief