BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$100.00}

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 2023-01-11
Company: EQUIFAX, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 Balance {$7900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 Balance {$38000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3000.00}. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: VA
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from 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 2023-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a customer of Bank of America since XX/XX/XXXX. I opened a savings account for travel. I have only deposited money into that account, and have never, ever in the 7 years I've banked with them, withdrawn any money from this account, not even once. I'm fact, the actual card has never been on my person, it's been in a file box the entire time. I was perusing my account in XX/XX/XXXX and came across two debits on the same day, XX/XX/XXXX, one {$1000.00}, and one for {$750.00}. I filed a complaint for both of them with the telephone banking center. This was highly unusual activity on that account and BoA 's fraud detection system failed to detect or even notify me. {$1000.00} was taken out of the drive through ATM and {$750.00} was taken out inside the bank. I was assured on the several phone calls I made regarding this case that they do have security tapes and they would investigate these issues. I received no information for very long periods of time. After one of my calls they sent a letter by mail declining to affirm that the {$1000.00} ATM withdrawal was fraudulent activity. I called the fraud department and they could give me no added information. I could not get an email address, name or direct phone number to anyone in the fraud department. I called again and sent another letter requesting any information they had that would conclude it was legitimate. No reply. I sent another letter ( 3rd letter ) and a fax, to a number I was given on the phone, inquiring about the {$750.00} in-bank withdrawal and much later I received a letter denying this claim as well. 

I will include all correspondence and if needed, statement summaries going back to XXXX which proves everything I have said. 
Again, BoA fraud department has NO EMAIL ADDRESS, NO NAME, AND NO DIRECT PHONE NUMBER to the fraud department. This is highly suspect to me. I have had to communicate with them only by mail. They have not answered any questions, and haven't given me any information I've requested. 
I have attached 33 pages of account statements going as far back as I could, to XXXX, including the XX/XX/XXXX statement showing the glaringly fraudulent account withdrawals, which proves everything I've said. The bank tapes should back this up as well, if they actually do have them as they claim to. 
I have obtained legal council, who advised me to file this complaint with the FDIC as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Dear Sir or Madam : PRA dba Portfolio Recovery Associates/XXXX XXXX  are attempting to extort money from Identity theft and asking for more personal information to collect a DEBT that is NOT MINE. I disputed with PRA once, I started receiving letters that I was in college for years during this claimed {$4300.00} ( debt # XXXX ) but also working in a different state. I Never Opened or Paid an Account pertaining to XXXX XXXX. I was a busy STUDENT and working in XXXX, NH and upon graduating moved to another City. This is preposterous, as I had excellent credit and have now disputed and put a fraud alert on all of my CREDIT files during this challenging time. PRA is constantly sending threatening letters to a previous business address for some account # endingXXXX I've never had. These people sent a listing of payments that did not come from ME and are constantly harassing, bullying me on a Fraud account. XXXX XXXX XXXX/Portfolio Recovery Associates letters/XXXX XXXX  are sending packets to obtain {$4300.00} that IS NOT MY DEBT. I PAY BY CREDIT DEBT and THIS IS NOT IT. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of 2022. I was banking with Hummington Bank located in XXXX Colorado. Upon helping a friend a deposited a check that was written to him from a person who was purchasing some photography equipment. The lady at the bank said there would be a hold on the the check written to XXXX XXXX. I went ahead and took out the funds for my savings account thinking that the check was legit. Come to find out it was fraudulent and it was not a good check. No money was taken from the bank it was taken out of my savings. And then the bank rudely closed my account reported me to warning check cashing company and now I can not obtain a checking account anywhere. This is brought many worries and problems to me in my life. For I need to have a banking account to pay certain bills. Would have been asking today is this somebody can help me figure out a way for them to take this off my record for it was not my fault. They put a hold on my money for XXXX weeks which made me have late payments also caused XXXX XXXX  due to the short ness of funds for I am currently on XXXX entertain very little money at the end of my monthly check. So the money that I have saved up was for my bills and for any emergencies that would arisXXXX XXXX XXXX XXXX XXXX on a way to take care of this problem I turn to you to ask for support to see if you can lead me to somebody that will take this off my credit report so that I could obtain a bank account once again. Sincerely I do have documentation of these transactions they have made without my approval and without them giving me righteous information on what they were going to do I just have to get to it I just moved into a house and everything is still packed up. So once you receive this letter contact me and I will be able to submit more information with the account numbers and dates as well. I just feel that this bank has caused me great stress and has no concern about my well-being the way they treated me with all discrimination of me not being no fault in my own for any of the check problem that was handled incorrectly. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: MI
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 do not consent to any of the following closed accounts and Inquiries being reported on my consumer report for Experian, block and remove them. XXXX XXXX XXXXXXXX, balance {$510.00}, opened XXXX, XXXX XXXX XXXX balance {$0.00}, opened XXXX. XXXX XXXX XXXX balance $ XXXX. XXXX XXXX XXXX, balance {$1300.00}, opened 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 2023-05-15
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: DE
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$1400.00} ; 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 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 2020-12-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, when I checked my credit report, I found that my SSN was stolen on the dark web on XX/XX/2022. The data user registered on it was my name, but the telephone, driver 's license and location were not my information. The registration number is XXXX, the last four digits of the driver 's license are XXXX, and the location is ca XXXX. So, I think my ssn was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: NY
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. 

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, 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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: 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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : Consumer Adjustment, XXXX XXXX XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : Self, XXXX XXXX Name : XXXX, XXXX 15 USC 1681 section 602 A, 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. 15 USC 1681c. ( a ) ( XXXX ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-05-30
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Letter of Dispute # 2 To whom it may concern, I want this account in full dispute. This company is not willing to provide me with validation of this debt. I spoke to this company after getting a phone call. They had the wrong address from conceptions of this account, and this alarmed me. The first call from me was back in XXXX, I pay all my bills and to say I had an open collection was alarming. This account is fraud and inaccurate. I demand proof of this debt. This company is so rude and does not listen to the concern of the consumer. I have given my address to them and yet again they still have the wrong address on the file. They are being super personal, willing and in feels super threatening me as a consumer trying to resolve this. I was on the line with 3 of them for 45 minutes. XXXX XXXX, who claims to be a supervisor is very unprofessional and wanted to argue rather than address my concern. I had disputed this account back in XXXX when I got the phone call. Sent in my dispute and now sending it again!! They have a wrong address, and my Driver licensee reflects my address. It is {$65.00} and is not okay to place this on someones credit report when this is not validated and has wrong address in the first place. Especially when I have been a victim of fraud why wouldnt I want validation this is mine? I am willing to resolve this if I get the proper validation and dispute process is addressed. They love to damage people and it shows. This agency needs to be reported. CCS is the name of the company. The phone number to reach them is XXXX. I would love to resolve this if this is my debt. I have updated with them twice asking to send me validation and they have failed to do so, as they claim have not got a written '' dispute even though given one verbally in XXXX! They are in violation of the FDCPA. I have a case # XXXX to reference also for the fraud case filed. XXXX claims in full dispute. If you need any further information needed from me, please do let me know. SO CRUEL AND JUST PLACES ANYTHING ON CREDIT REPORTS PRIOR TO EVEN VALIDATION. 

Thank you Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have three student loans two with Sallie Mae. The government has automatically put my loans into deferment. Which I opted to still pay minimum monthly payments on. The issue that I have is that the government has suspended payments but is still adding interest during the entire time of deferment. I believe if the government was going to defer payments then they shouldve deferred interest at the same time. But they are using this to increase interest on our student loans.increasing the amount of repayment when the deferment is lifted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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