BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Sirs, I have the honor to very respectfully report the acts of a criminal organization witch members are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( probably a fake name ), a company that issues fake loans ( doc # 1 attached ) 2 / XXXX XXXX XXXX  represented by XXXX XXXX XXXX XXXX XXXX, a company that endorses those fake loans by supposedly insuring them ( doc # 2 ) 3/ XXXX XXXX XXXX XXXX XXXX which collects the funds from this scam ( doc # 3 ). 
I was a victim of this criminal organization which stoll me about XXXX dollars ( XXXX euros ) ( doc # 4 ). 
So that shuton cash loan has granted me a fake loan of XXXX dollars ( doc # 5 ) and has insisted that I insure this fake loan with royalland insurance org ( doc # 6 ) royalland insurance org told me that I have to pay XXXX dollars for this insurance ; but i have refused. 
A XXXXXXXX XXXX loan  agent named XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX XXXX. ( probabely a fake name too ) then enters the scene to supposedly help me. 
He had offered to lend me half of the XXXX dollars of the false insurance in XXXX ( doc # XXXX ). 
and because this insurance demands that I mandatory pay it in XXXX he had given me his account so that I can wire the money into it ( doc # 3 ). 
Finely I had paid XXXX dollars to the indicated account ( doc # 4 ) and had obtained the fake insurance certificate ( doc # 8 ) but no credit was released to me. 
XXXXXXXX XXXX XXXX then asked me to deposit XXXX dollars to activate this fake loan ( doc # 9 ) that makes me understand I was the victim of a criminal organization. 
With Respectful greetings.

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 2022-11-02
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2022, I pulled my XXXX reports and discovered a negative reporting account on all three credit bureaus. The account with NCB Management Services is being reported as a collection account, and this is hurting my credit score. I have made numerous efforts to locate and contact this company for validation of this debt. I have requested proof of this account and any contract documents signed by me, and I have not received one response. I have requested the amount of the alleged debt, the full name and mailing address of the original creditor for this alleged debt, documentation showing that the company is licensed to collect debts in Texas. THIS IS HURTING ME AND MY ABILITY TO PURCHASE A HOME. This item needs to be immediately removed from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 non-monetary relief
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent an letter to XX/XX/XXXX Home Loans ( account # XXXX XXXX. I advised XX/XX/XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XX/XX/XXXX Home Loans sold the loan to another company and should be reported 90 days past due.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: WA
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXXXX 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 explanation
Consumer complaint received 2023-04-07
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: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00}, XXXX  XXXX Balance : {$1300.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC code 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account with my written instruction under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and 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 2018-08-14
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended XXXX XXXX XXXX College, XXXX XXXX XXXX, in XX/XX/XXXX through XXXX or XX/XX/XXXX in XXXX XXXX, CO. 

I filled out my needed financial aid paperwork and documents to try and get a loan either from Federal or State. Since at the time I was under the age of 25 I needed my parents financial information in order to complete my FASFA. 

To the best of knowledge my parents have not talked too each other since XXXX. Neither one of them wanted me having their financial information in case somehow the other got a hold of thiers.

This created a problem in moving forward with the FASFA. The financial aid director, sorry I don't remember her name just that she was a female, took me I could start and continue with my classes while the FASFA was being processed. 

She explained to me that if it did get denied that the only way I would be held liable for any costs with the books or classes is if I re-enrolled for my next semester. It didn't get approved and I never enrolled for classes past that semester. I made sure that at the student services center, or enrollment offices, that they knew that 100 %.

I did receive a few, two and possibly a third, letter from the State of Colorado within in the next two years when I received the bill in the mail. And each and every time I responded to the State and the School. Never, ever did I hear about a response from either of the two. 

After the last response I sent I never heard another word from either of them again. This was XXXX at the latest. I never went to court nor was I even summoned to court about the issue. 

Then in XX/XX/XXXX, 9 and 1/2 years after the fact, without letter or notice the debt was placed into collections and reported on my credit report. Seven years from last hearing from them I have a debt collection on my credit score.

My best friend 's father is a loan officer and works closely monitoring people 's credit and issues associated with thier credit. After explaining to him the sutitution he informed me that what they, XXXX, did was illegal mainly due to the length of time involved. 

Unfortunately since such a great and lengthy time has passed I do not have any of the original bills or responses because I thought the issue was dismissed or handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion and XXXX did not dispute what XXXX provided, all documents are below explaining everything.

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 2022-03-09
Company: EQUIFAX, INC.
State: MI
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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Both Sears and XXXX XXXX sent what appears to be advertisements. I do not always read these items. But what has happened is they sent a notice they will be converting my store cards to a MasterCard if I don't contact them by a certain date. I happen to travel at times and do not always read these notices. Both Sears and XXXX XXXX  have converted my account because I did not contact them by the deadline. Sears refused to change it back to a store card. I feel this practice is deceptive. If I want to open a Sears MasterCard or a XXXX XXXX MasterCard then I will apply for one. That is how it works with any other credit card - you apply for it. I this it is completely deceptive to just change a persons account. I did not apply for MasterCard with either of these vendors. XXXX XXXX has now begun the same thing. They sent the first notice which we opted out of. Now we have to watch every document that XXXX XXXX  sends because they will continue to send these and provide us deadlines hoping that we miss the deadline. XXXX XXXX wants us to change to the XXXX XXXX  XXXX XXXX Card. Something really needs to be done. At the very least I should be able to opt out only once and not have to continually monitor my mail to ensure I do not miss the next opt out date. As far as Sears and XXXX XXXX - they have lost my business permanently. I will never shop for another item at either store, and their MasterCard will remain in a drawer unused.

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 2023-02-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I am XXXX XXXX XXXX. In XXXX of 2021, I was scheduled for XXXX XXXX XXXX. My doctor asked me to go to the XXXX for a check up beforehand for routine cleaning and X-rays. I did not have a XXXX, so I used a XXXX referral number and chose a location near where I live. When I went to the XXXX they had me fill out a lot of paperwork and they did procedures on me that I do not believe were necessary and which went far beyond what I had requested. They gave me an estimate for the work and had me sign off on it. As I was leaving, I asked them to send me a bill so I could pay them by check. I never received a bill from the XXXX. Some time later, I received a credit card from a company named CareCredit. I had never heard of CareCredit, so I believed I had been a victim of identity theft and called them several times to let them know I had not opened the account, but they did not get back to me. About a year later, I received a debt collection letter from a law firm claiming to represent Synchrony Bank which issued the credit card. I told them it was not my card and I had not applied for it. They did a fraud investigation and said it was my card and for the first time I learned that the XXXX had signed me up for the credit card without my knowledge or consent. I was never given the terms of the account before charges were made.

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 2020-12-22
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened onXX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$2100.00} -This is not my account. 

4.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7.XX/XX/DSNB with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$1700.00} -This is not my account. 

9. XX/XX/DSNB with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10. XX/XX/XXXX IN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 11. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Experian Information Solutions 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:
I have come to the realization that even though I am a tax-paying consumer in the United States of America, my rights under the FCRA and the Constitution are constantly being pushed aside for profit. I have submitted disputes to the 3 major credit bureaus ( Experian, XXXX, XXXX  ), as well as the secondary companies XXXX and others. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. This does not include that these companies use XXXX, or defer to XXXX or PACER as a primary means of verification. But time after time, I am given the same answers, and it is not accurate. XXXX actually posted inaccurate information on this very site! I am disupting a bankruptcy in California, yet they say they are investigating in XXXX XXXX, Florida!! I am demanding that these companies PROVIDE ME WITH TANGIBLE EVIDENCE of their verification, not just saying they verified with XXXX or 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion is erroneously reporting a fraudulent inquiry on my credit report. The inquiry shows as XXXX XXXX XXXX, and after several attempts to resolve this issue via phone conversations, disputes, and documentation being sent. The account still appears active as of XX/XX/23. The account has been reporting since XX/XX/23 and having been done as identity theft, I would expect Transunion to safeguard my personal security but has failed tremendously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: EQUIFAX, 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:
On XX/XX/2019, I filed a dispute on-line with Equifax to remove XXXX   XXXX-XXXX from my file. ( see exhibit 1 ). 
On XX/XX/2019, a letter from Equifax states they verified the item belongs to me and they only made a few modifications. ( see exhibit 2 ) On XX/XX/2019, a letter from XXXX states they notified all 3 credit reporting agencies to delete the account from my report. ( see exhibit 3 ) On XX/XX/2019, I have a notification from XXXX XXXX, XXXX XXXX was removed from Equifax report. ( see exhibit 4 ) On XX/XX/2019, I filed a dispute again with Equifax to remove XXXX from my credit report. ( see exhibit 5 ) On XX/XX/2019, I have a notification from XXXX XXXX again that XXXX XXXX.-XXXX was removed from my Equifax credit file. ( see exhibit 6 ) I have contacted Equifax multiple times. It is unbelievable how they have treated me. The proof is the letter from XXXX itself. If XXXX had changed their position, by law Equifax was required to notify me directly. I should not have had to file multiple disputes for one entry. I still do not know if XXXX has been removed or not. I directed Equifax to send me a new credit report with or without XXXX. I realize the dispute filed on XX/XX/2019 is still within the 30 day period, but my original dispute XX/XX/2019 is now over 60 days old!

Company response to consumer: Closed with explanation