BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, i received a text say that there was fradulent activity on my Bank of America account. I then got a call from the Bank of America fraud department number advising that someone fraudulently sent {$3000.00} to an account tied to a XXXX XXXX account and in order to get my money back, I'll have to request the funds back through XXXX tab through my bank of America. I " requested the funds back '' through the Bank of America app XXXX service. However, it was a scam and the funds were sent to a XXXX account. I called the number bank and got the Bank of America Fraud department. They advised that they did not call me. I told the rep what happened and she asked me questions. I asked her how can they call me from the Bank of America Fraud number. She advised that scammers have apps that can change the number. she was aware that it was a scam and told me. She said it would take 10 to 45 days for my claim to be processed. 

I then called XXXX to see if I had any open accounts in my name. They assured me that I did not. 

I received a letter on XX/XX/2021, dated XX/XX/XXXX, XXXX, that Bank of America could not approve my claim. 

I then called and spoke with the supervisor XXXX. I asked her what information was used to make this decision. She could not tell me. I asked her to do a reinvestigation or I wanted to appeal the decision. She advised that I could not appeal the Decision or do a reinvestigation. She advised that this was a scam and because the scammer did not send the funds back there was nothing Bank of America would do further to try to recover my funds that was clearly fraudulently sent to account that wasn't mine. 

It is my understanding that Bank of America has fraud protection. However, I was not protected. 

I also requested all of the documents that were used to made their decision and have not received them yet.

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
Consumer complaint received 2023-09-10
Company: MRS BPO, LLC
State: MN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRB BPO LLC has filed a collections for {$110.00} for " overdue debt from XXXX  '' at an address that I have never lived at nor had a lease. I have requested detailed information from MRS BPO LLC on the alleged debt and they did not provide any details. I called back and requested details again and they hung up. I have contacted the property management company for the apartment complex at the address and they have provided proof that I have never lived there. I have filed a dispute for this collection acquisition with XXXX, XXXX, and XXXX- the documentation from the apartment complex was attached to the disputes as supporting data. XXXX and XXXX have completely removed both the collections due as well as the associated address for the collection claim. My credit report is now accurate. I am filing this formal complaint against MRS BPO LLC in order to re-submit my dispute to have the fraudulent collections removed from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX have reported multiple late payments on my credit report for 3 different account that I have with them. I have attached a letter to this complaint, naming the accounts, account numbers, and the law that states that XXXX XXXX XXXX can not report late payments to my credit report. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUEDED on my Consumer report! Please review again my letter that is attached. Violation of the law will result in a lawsuit, seeking damages of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting XXXX XXXX account XXXX XXXXXXXX be removed from my credit report due to inaccuracy and false reporting. XXXX XXXX, XXXX and Equifax are reporting completely different payment history profiles due to this inaccuracy please remove whole account from my report immediately. 


ALSO XXXX XXXX HAS A 2ND ACCOUNT ENDING IN XXXX XXXXXXXX REPORTING INCORRECT INFORMATION AS WELL XXXX XXXX reports good payment history as for XXXX is reporting charge off XXXX when Eqifax is reporting good payment XXXX history for same time periods please remove whole account due to inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion is reporting information that I haven't given consent for them to report. They do not have the authority or permissible purpose to report any information on my consumer report. Without authority or consent to having my information is considered identity theft by these companies. They are committing fraud by reporting my XXXX account as debt and late when in fact there is no debt according to XXXX XXXX or late payments. I am providing this company to delete this information in 4 days as the information obtained was by way of identity theft.

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 2023-09-02
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I sent in a dispute document XXXX with my drivers license and my ss number I received a letter from equifax stating they cant dispute it because they need a copy of my ss and my drivers license which I have already sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-23
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  has reported to a collection agency ( Amsher Collections ) in XXXX XXXX that I owe money on a mobile service account. The account does not belong to me, it belongs to a company, XXXX XXXX XXXX, where I was formerly employed. The account is a business account for XXXX XXXX XXXX, but for some reason XXXX  is claiming I am responsible for the account balance, even though I was just an employee who worked there. I believe the balance on the account is from XXXX. 

I have been trying to get this worked out directly with XXXX for 5 months and have not gotten anywhere, despite calling multiple times and spending hours on hold and talking to different representatives. This is significantly impacting my credit score. 

It should be very straightforward to clear this off the collection agency and my credit score, yet XXXX is going after me instead of XXXX, XXXX for some reason. And XXXX is not doing anything to assist with the problem either. Looking for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX XXXX Purchased a {$300.00} NETSPEND XXXX  Debit Card at XXXX XXXX in XXXX XXXX XXXX, XXXX, VA XXXX for my Grandson ( who is XXXX  XXXX ) I thought I was purchasing a gift card. 
XXXX  - we can not get the card activated- we have called and called but nothing works XXXX - current XXXX will not go to a live person nor can we get prompts to work XXXX calls will not be answered or if they are you are routed to another automatic response. I got a " Live '' person at this number by the name XXXX - I asked to speak to his Supervisor - he put me on hold ( dead line ) held on for several minutes but it seemed to be a dead line. 

We have spent about 2 hours today trying to get this card activated so we can get the {$300.00}.

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 explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the rights 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 ) ( 5 ) Section states : no consumer reporting agency containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish information relating to a consumer agency if the person knows or has reasonable cause to believe 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 2021-12-23
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving multiple calls from a phone number, XXXX, I do not recognize. My mobile phone provider blocks the phone number as it was blacklisted and reported as a telemarketer phone number. After receiving multiple calls ( XXXX ) within XXXX minutes trying to get past the call protection feature, I called the phone number back to inquire what company is frequently and illegally trying to call. The phone number is tied to a company called Credit Management , LP and I have never heard of this company. I spoke to a representative and asked for my phone number to be removed from whatever calling list it they have.

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 2021-12-23
Company: Experian Information Solutions 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:
XXXX XXXX  some body has used my name and also use my name in banks loans credit cards and more XXXX XXXX fraud upon my name so I'm basically bad standing with certain banks and credit cards base some scammer using my name my name is also being use over the dark web if you guys can clear my name base scammers have been using my name since XXXX i also went to XXXX court house in XXXX when the judge sent me a letter to appear in court once she seen my picture in court she's thrown this case out.

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 2023-09-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had an ongoing issue with JP Morgan Chase bank Fraud department, accusing and freezing my checking account and refusing to allow for me to use the account. even though I have been able to open an account, with no issues, however when it came to depositing my pay checks via online mobile app, they froze my account and made accusatory comments and statements that i have shown a history of fruad and they wouldnt unfrezze the account. however I have provided to the fraud deparment numerous times valid information which would show i was a victim of identity theft, i provided documents to support this claim including a police report for them to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NJ
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 am dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-05-07
Company: Early Warning Services, LLC
State: CO
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:
XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX of customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: SYNCHRONY FINANCIAL
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I went to make my payment last night ( XX/XX/19 ) to Paypal Credit. The balance was wrong. I had a charge this month for {$690.00} with 6 months same as cash. The only charge on the account ( XXXX ) was the {$690.00} but when I logged in to my account it said the balance was {$720.00}. Wrong Balance. I made my payment which was on time but at the time of payment their help line was closed. So, I called this morning and asked why I had the wrong balance. I was told it was a late fee ( {$28.00} ) that will be removed when my payment is credited. 
I WAS NOT LATE! Paypal credit added the charge before the payment was late. This makes this fee a fraudulent charge. No one can legally apply a late charge for an account that is not late. 
I believe the charge will be removed but I also believe this is Paypal creating a fraudulent charge that should be reported.

Paypal Credit is out to create an out of time charge. This fraudulent charge might only take each consumer for pennies but for a company the size of Paypal could quickly add up to big money. 
Please look into Paypal Credit and stop these fraudulent fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 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. Also the data for each Credit bureau does not match and its inconsistent and it has to be removed from my credit report immediately, Account : XXXX XXXX XXXX ( XXXX ) Account : XXXX XXXX XXXX XXXX  XXXX  ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: Village Capital & Investment LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter from Village Capital and Investment. The letter said that that I was eligible to refinance my loan. So I went on their website and completed the info they needed. I was contacted by phone from XXXX XXXX and spoke to him about offer. He said that his assistant would be sending me a application by email. I never received the application. I feel like they are a scam and that my house is in jeopardy. They dont respond to my emails.

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