BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.

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 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received emails stating a new online checking account had been created in my name. I contacted the bank right away because I did not open any new bank accounts. I was informed by the fraud department of the bank that my name ssn birthdate was used to open the account. I was not given documentation that the account was closed. Just a verbal confirmation. I spoke with XXXX from Bank of America. I was told the account was empty- not funded yet. He did send a link by email of what to do when affected by identity fraud. that is all the communication I was given. received another email the next day from BOA asking to confirm email. I did not confirm the link.

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 2022-12-17
Company: EQUIFAX, 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:
Attached you will see and I can't be verbatim, third-party information that my credit reporting agency Equifax wanted XXXX Why would they be looking for any information about me. 
I may be wrong and please correct me, but they're there only to take the information from my credit cards or creditors and disputes and other information. Why would a credit reporting agency be looking for other information? That bothers me when somebody's using a third party. 
As we know on the internet all problems with consumers is third party information. Why did they get all that information and how did they get it and why was it from XXXX? And something about check depositing or something like that I don't know I'd like to explain more and I couldn't send anything through to Equifax through their site and they are the worst credit reporting agency around. 
I had my identity stolen last year on XXXX as veteran they never frauded or frozed my account I couldn't get back in cuz I lost my password manager and the gentleman gave me my screen name! I said you don't do that what if I was the other guy who's got my social lol well it's on the letter I'm sending you, no sir or ma'am it was not. 

Anyway not sure if this is a complaint and or a question please get back to me cuz I've never seen that on any credit report before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: EQUIFAX, INC.
State: OH
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:
Equifax is refusing to fix the innacurate information reported on two closed charge off accounts from XXXX XXXX. My dispute is about date of first delinquency. I have paid both accounts every penny without any discounts or settlements. Both accounts were closed become delinquent in XX/XX/XXXX, I have paid both accounts in XX/XX/XXXX and XXXX XXXX reported {$0.00} balance paid after charge off. However in XX/XX/XXXX XXXX XXXX reported this back on my credit report as a date of First Major Delinquency XX/XX/XXXX causing my credit file to pickup as currently late and my credit score dropped 40 points for being currently late.How can they report as Date of First Major Delinquency XX/XX/XXXX if I don't have any balance on these two accounts and both accounts were closed in XX/XX/XXXX. I have called Equifax and XXXX XXXX both say they don't know why is this happening and they will look in to it but after investigation they don't correct issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-17
Company: EQUIFAX, INC.
State: MI
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:
These accounts aren't mine accounts and are fraudulent. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  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. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Paypal holds my money for 180 days, and the big issue is all the money I have is there, and my pocket is empty XXXX their customerservice, they don't even care about people 's lives .. I submittedall the documents they asked me for, but unfortunatelythey didn't let me continue my work or even send me 50 % of my money to stay alive .So I decided to text you and I have all trust that you will step in and help me to solve this issue, that will be greatly appreciated .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
Due to COVID-19 my family did not feel comfortable traveling to New   York, one of the epicenters of the pandemic. There were 4 passengers and 2 different flights purchased a one-way one from XXXX to NY, and another one from NY to XXXX. I made several attempts to cancel the flight before my departure date. In one occasion they responded by offering either a full refund or credit. I chose the refund option but my reservation was never cancelled. I kept contacting them via text message through XXXX, via email and by phone calls. I will attach all the proof and their responses. They contacted me via email and offered me a partial future credit ( {$280.00} ) for only 6 months. I disputed the charges since I opted for the refund option and because I never heard back from them for months. Their response to my dispute was that we were a no-show and that they were offering a 12 month credits for cancellations. So I actually did not get either one since the partial refund offered is now cancelled. I have been trying to reach a person who could help me I have called and sent messages, and I still have not received a response. Now the credit is not even an option anymore due to the dispute, but my bank also failed to send documentation on time and I was not able to get my money back through my bank. I was also advised to make a complaint to my financial institution due to their negligence while processing my claim. I am out {$760.00} due to XXXX  and my financial institution failure to deliver what was promised that is well documented, and doing their jobs. Bank of America is not able to provide me with the documentation where they said they informed me the answer to my dispute to XXXX  was time sensitive. I made a phone call to BOA after receiving their response letter via mail dated on XX/XX/2020 stating my claim was closed and not refunded due to the no-show. They attached XXXX  response documentation. I called upset to ask why they had never contacted me to request the documentation to support my claim, that I initially informed them I could provide when I submitted my claim. I was told I still could answer the claim decision and I specifically asked if there was a due date. They told me there was not a due date but I should had acted quickly, which I did. They are not saying I did not send the documentation on time and closed my case without refunding my money nor taking responsibility of their actions that has caused to lose my claim. I would like to see if by submitting this complaint someone could hear me and help me with this issue. If you need further information please feel free to call me. Thank you so much for your attention.

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 2023-02-17
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello I received a Strange Statement with {$890.00} balance from NEW YOUR & COMPANY. I never had this credit card and never purchased any thing from this company. It asked my personal information in detail, including SS #. 


The following information is about this company : Name : New York & Company, Web : NYANDCOMPANYCARD.com phone : XXXX, XXXX Address : XXXXomenity- New York & Company XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: VA
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:
Inquiries - XXXX XXXX XXXX ( Bank ) /XXXX  XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A : On XXXX XXXX, 2022, Wells Fargo mailed me a check ( number : XXXX ). 
XX/XX/2022 HusbandXXXX deposited into his current account ( XXXX ) via mobile phone. 
B : On XXXX XXXX, 2022, Wells Fargo debited {$25.00} from the checking account ( XXXX ) on the grounds that this check was deposited twice. 
C : I also don't have any money deposited with XXXX. I have the current month 's statement as evidence. 
D : Wells Fargo said that the money has been remitted to XXXX, so, Wells Fargo : The payee and account number of the money you remitted to XXXX? tell me. 
XXXX : Since XXXX XXXX, 2022, I have requested money from Wells Fargo 18 times. Wells Fargo pushed it to five departments and has not given a clear answer so far. They have a bad attitude and no one takes my request seriously. 
This thing wasted a lot of my energy and time. 
F : I am now asking Wells Fargo to return this money to me.

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 2022-10-09
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Dear Ally Financial I, the consumer and natural person, was denied credit by Ally Financial when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Ally Financial due to the response I received. Ally Financial is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial. If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-05-24
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the FCRA account # XXXX DEPT OF ED/XXXX Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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 status incorrect

Complaint:
Today, XX/XX/XXXX, I checked my credit report and XXXX XXXX XXXX XXXX has reported that my account with them is delinquent. They are also reporting that I owe a balance that is over {$9000.00} when the balance owed is XXXX. I have paid XXXX on the XXXX  debt. I have attached a list of the payment receipts to this complaint. 

In XX/XX/XXXX, I filed a complaint that XXXX XXXX XXXX XXXX never responded to. In addition to the inaccurate account information being reported by XXXX XXXX XXXX XXXX to the credit bureaus, my credit score dropped XXXX  points. Please see attached all payments made since XXXX at the branch that have not been applied to my account. As of today, I have not received a statement from XXXX XXXX XXXX XXXX that lists the payments they have received from me or the remaining balance. 

How can XXXX XXXX XXXX XXXX knowingly report inaccurate information against me to the credit bureaus when I have proof that the information they are reporting is false and is severely damaging my credit report and score?

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 2022-10-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian, Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : to Remove Inaccurate Credit Information To : Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX XXXX XXXXrs XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 
Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely 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 2019-03-16
Company: Michael & Associates, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt with XXXX XXXX. I had made a payment of XXXX, which they have refused to credit to my account. I provided a copy of my bank statement showing the payment and I provided them with the payment transaction number provided by the bank. I also have submitted disputes with the credit reporting agencies because the amount they are trying to collect from me is incorrect. They have refused to credit the payment I made. Now I have received a letter from Michael & Associates which claims that XXXX XXXX referred me account to them. They are trying to collect more money than I owe and are threatening me with legal action and judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a fraud report with Bank of America after someone cashed two checks in my name. They sent a letter stating that they are pleased to confirm that report is taken care of. Since then, they took money out of my mothers account and left her with XXXX because they said I am not a victim.

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 monetary relief