BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a mail solicitation dated XX/XX/XXXX from Southwest Credit to settle a debt for {$1100.00} with XXXX XXXX. This is not my debt. My only business with XXXX XXXX XXXX service, which has been managed by monthly autopay for many years. A call placed XXXX to Southwest Credit confirmed that the address associated with this debt is in Texas -- I have lived at the same residence in Massachusetts for 20 years. A check of my credit report shows this debt with Southwest Credit and several false addresses listed between XXXX in Texas and Nebraska, which I disputed. 

I have received solicitations from other debt collectors and I've had a difficult time discerning if they are legitimate. I am reticent to provide PPI to a company that may not be operating legally. I'd like to clean my credit report without dealing with collection agencies that I have no business with. 

I've put a fraud alert on my credit report effective one year through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
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:
I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX, XXXX, and Transunion are still reporting XXXX XXXX XXXX without my consent. My court has provided a letter stating that information was not shared with the credit bureaus. I have disputed the information and they are failing to do their job stating it is being reported by XXXX XXXX. XXXX XXXX stated they have also submitted a dispute with the credit bureaus to remove it from my credit report, as they have deleted that information from thwart system, Also, XXXX has deleted it as well. 

15 U.S. Code $ 1681c 2 a consumer reporting agency 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 date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These Public Record should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.

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 2018-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The bank closed my account without any cause of notice. I called the banks customer service on XX/XX/2018 and I was told my credit card has been closed. The representative told me that the bank tried to contact me in XXXX to verify my information, but there was no response. I didnt receive any mail, email, call, text message or any form of communication from the bank. In fact, I have been trying to contact the bank for the past few months but I havent been able to get in contact with any representative, due to bad customer service and long wait time. I was lucky to enough to speak to a customer service representative about my credit card in XXXX, but the representative couldnt help.

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 2023-01-25
Company: MARINER FINANCE, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 my estranged husband opened a fraudulent line of credit with Mariners without my consent, without my knowledge and without my signature however he managed to open it only my name & social security number. I never received the proceeds/money from this loan and have never made a payment to the loan as it is fraudulent and not valid. I did fill out all fraud paperwork Mariners mailed to me and sent it back to them, they have still not taken this fraud issue seriously and continue to pursue me for money I never received or requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 My payroll check was deposited at Bank of America Location XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX No one notified me that there would be a hold placed on my check until the next day essentially stripping me of the opportunity to take my payroll elsewhere so that I can actually pay bills. 

Saturday XX/XX/XXXX, I returned to the same branch to speak with the manage about the hold I was fended off by an additional staff member who didn't even bother to ask my name or any specifics but gave me simple canned responses, basically " there is nothing we can do '' When I asked for manager, I was told they were busy and would not be available to see me until next week. I was told I could call customer service and speak someone there. 

When I called customer service I immediately asked for a manager or supervisor, the representative asked what it was regarding " I replied- I would really would prefer to just speak to a manager to avoid being fielded off the way I was in the branch. I was placed on hold for about 10 minutes the involuntarily disconnected from the call. this happed 2 times back to back. 

The third time I called I asked the representative to please take my number as I have been disconnected twice and no one called back, to which she replied she is not able to take my number because she is not allowed to dial out and call me back if I am mysteriously disconnect again, after an extended wait I was told I there are no managers available and I would be placed in a queue for a callback within three hours. 

I was contacted by a manager named XXXX at XXXX XXXX  PST, who basically told me that she could do nothing about the hold and even after I notified her about regulation CC, and that this is not a reasonable time to verify funds for a check of about XXXX dollars, her reply was the same canned responses that I have been given by everyone that I have spoken to thus far. My next question was can I have my check returned to me that I can actually take my check to be cashed elsewhere, as there unreasonably long hold will cause my unnecessary hardship as I can not pay my bills, and the account that I have with them will also now be overdraft due to the unreasonably long hold. 

None of the people I have spoken can give me a reason for the long hold when a standard hold is 2-5 days. I'm not able to speak to anyone who can do anything about it. I am being given canned responses, essentially, we have it, we're keeping it for 12 days and there is nothing you can do. 

I'd also like to add that the branch manager at the location listed above would not even come out and greet me, never asked my name, no account information to look up, just a caned response, sent to me by another employee and call customer service.

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 2023-02-06
Company: Experian Information Solutions Inc.
State: IN
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had a legal name change a while ago and Ive been trying to get it corrected on my Equifax credit report as its affecting my borrowing power. Ive already reached out and corrected my name with XXXX and XXXX without issues. 

My credit score is significantly lower in Equifax than it is in the other bureaus, and my report hasnt been updated since XXXX. 

Ive tried submitting 3 disputes and Im still waiting.

1st dispute - XX/XX/2023 - online their website shows that its still under investigation, but when I call in the agents say that it was closed due to needing more information. I was not notified by email, or by mail about this. I had to proactively call. 

2nd dispute - XX/XX/2023 - mail I opened a second dispute, this time by certified mail, so I could send my documents so there would be no confusion, but Equifax claims they never received my mail. They lost my sensitive documents. 

3rd dispute - XX/XX/2023 - online This is my third dispute to try and get my name fixed on my report. 

I just want Equifax to fix my name so that any reporting is done against the correct file. Lenders cant find me when they query Equifax with my new name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
USAA has denied my request for an {$80.00} adjustment due since I didn't identify within the 60 day period. I notified USAA as soon as I found out about the fraudulent check when my payee sent me a late notice and fees. I thought the bill had been paid. 

Dates : Check posted : XX/XX/XXXX Date identified : Approximately XX/XX/XXXX Date notified USAA : XX/XX/XXXX Additional Information : The USAA Bank check originally was sent through the USAA check payment service ( also see attached ) : Check Number XXXX Dated : XX/XX/XXXX To : XXXX XXXX XXXX Original Description CHECK # XXXX Posted Date XX/XX/XXXX Amount ( {$80.00} ) This check was intercepted and fraudulently endorsed and cashed by a XXXX XXXX at the XXXX XXXX XXXX, CA ( also see attached ). 

I contacted the USAA bank immediately on XX/XX/XXXX once the discrepancy was identified from the check image. The USAA Bank fraudulent check case number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: LA
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 5th 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Experian Information Solutions 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:
I been a victim of fraud I have called Experian serval times in a year the refuse to remove information thats not mines. There is 17 inquiries on my credit report that are unauthorized they keep giving me the run around to call the companies that ran it which I have done and they tell me to call Experian.There are also 2 collection account I do not recognize they will not provide me with verifiable information that they belong to me. I have 3 accounts thats providing incorrect information From XXXX XXXX, XXXX XXXX which where paid on time. I have a credit card that is not reporting I have asked them several times I can not get a strait answer .I hope this can be resolved its hurting my opportunities to open new credit lines and employment. 

Inquiries XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE- XXXX, XXXX, XXXX XXXX XXXX XXXX  DATE- XXXX XXXX XXXX XXXX DATE- XXXX XXXX XXXX XXXX DATE - XXXX XXXX XXXX XXXX  DATE- XXXX XXXX DATE XXXX XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX DATE XXXX, XXXX, XXXX XXXX XXXX XXXX AMOUNT {$720.00} XXXX XXXX XXXX AMOUNT {$590.00} XXXX XXXX LATE XXXX XXXX XXXX DATES XXXX XXXX XXXX DATE XXXX Credit card not reporting -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 2022-05-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXXXXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
s

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: STATE FARM BANK, FSB
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2019 I could not take it anymore a mobile deposit initiated by a person online by the name of XXXX XXXX XXXX XXXX had for 8 months requesting of my ID, social security number, work, bank information. I noticed that he had initiated with his contacts online which he claims are Hackers and that he is being monitored. The checks on XX/XX/2019 were the cause of XXXX XXXX XXXX I tried to reach him and ask if you are under investigation, you claim to be this person why have you not contacted authorities but I have no confirmation. This online reassured me that everything with his status and funds, accounts were perfectly legal. Unfortunately with an account with all of my information caused counterfeit checks through this XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX XXXXXXXX XXXX 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed. Account Name : XXXX XXXX Original creditor : XXXXXXXX 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 2023-09-14
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: Personal information incorrect

Complaint:
Incorrect information on 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 2023-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
USAA is denying me access to my account. I have changed my phone number and disconnected the old one. They try to send a text to verify it is me when logging in. I have called several times and spoke to a representative. They will not accept my PIN, password, SSN, user id, email, pet 's name or any other safeguard other than texting. They directed me to go on the website and verify myself by sending a picture of my driver 's license ( front and back ) which I have done. After completing it the message reads that they ( USAA ) will contact me within 1 to 5 business days. No one has contacted me. Probably because they are trying to reach me on my old phone number. When I called back, they said it should have asked me for a new phone number during the verification process. It does not ask for a new phone number or any other information. I have no way to access my account with this financial institution. They will not elevate the call to a supervisor or manager because I am not verified. It is incomprehensible to me how a company could operate in such a reckless manner and not resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation