BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: Strategic Alliances, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was taken to court without any notifications of there being a court docket against me. In the 5 years since there has been no communication from them. This is a medical debt that took place in XXXX of 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 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a {$100.00} payment on XX/XX/2023 to the Bank of America address on the bill. Bank of America cashed the check but never credited my bill. I contacted B of A twice : XX/XX/2023 and XX/XX/2023. Each time they sent a letter saying they could not resolve the issue. The proof, the check cashed by B of A on XX/XX/2023 is attached here. 
Thank you

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 2023-07-28
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

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 2023-10-15
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a credit card with Discover and for the past 3 months I have been fighting with them about fraudulent charges made on my account. 

Since the fraud my card has been locked and more purchases keep appearing on my account! From the same XXXX merchant! They wont give me details on the merchant and XXXX wont help me since it wasnt purchased under my account! 

The amount of purchases has now set me into an overdraft and has affected my credit scare by XXXX points which is a horrible outcome considering my marriage later this year. 

The charges include but arent limited to : XXXX ) Sunday, XX/XX/XXXX ( the first fraudulent charge, reported immediately ) for XXXX to an XXXX merchant. This charge was returned to my account and verified as fraud. I chose to lock my card. I didnt bother getting a new one as I was going to pay off Discover and close my account as this isnt the first time this has happened. 
XXXX ) Sunday, XX/XX/XXXX. Another purchase made to XXXX for the SAME total. XXXX to the same merchant. This was reported and fixed on XX/XX/XXXX when I requested a new card anyway for added protection this time while keeping my account frozen. They refunded the total. 
XXXX ) Monday, XX/XX/XXXX. Despite a new card completely and a frozen account my credit card was charged XXXX XXXX to the SAME XXXX merchant. I have not yet even received my new card and the purchases are being made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: NY
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:
Filed 4 disputes with EQUIFAX ( EQ ) to remove negative information from my CR because the reporting period is past 7 years for 2 accounts ( # XXXX, XXXX, XXXX, XXXX ). Basis for 1st account : 1st delinquency occurred in XX/XX/XXXX. Basis for 2nd account : 1st delinquency occurred in XX/XX/XXXX. Proof was sent in the form of Billing Statements I received from creditor XXXX, upon request and a Transaction History Report sent to me from the creditor XXXX XXXX XXXX XXXX ( XXXX  ). These document from the creditors verifies ( 1 ) the information on my EQ CR is inaccurate, ( 2 ) the negative information is past 7 years and ( 3 ) the accounts are at least 10 years old -and should be removed entirely. The point that EQ is negligent in upholding the FCRA - 15 USC 1681i ( 611 ) ( a ) ( 5 ) ( i ) ( ii ) ( iii ), is the fact that the same documents obtained from both creditors, as described above, were submitted with my disputes to both XXXX and XXXX and both credit bureaus took appropriate action and removed the negative information entirely and in removed the accounts. I am being harmed by EQ 's negligence, each day the negative information remains on my CR. I want them removed as required by law ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00} 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 and 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 ).

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$160.00} -This is not my account.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, On XX/XX/XXXX  I deposited a check from XXXX  for the amount of {$2100.00}. I work for the XXXX XXXX XXXX  and XXXX  is my retirement company that the XXXX uses. I was attempting to transfer money to my other retirement XXXX. XXXX  is an online account and does not accept checks. So I deposited the check ( i still have the original check ) and was going to move the money to my account. I have done this in the past and did not have any issues. Chase Bank depsoited the check which I later learned they should not have done and then seized and froze all my accounts. 

I have gone in directly to chase branches and tried to get my money moved back to me, XXXX XXXX XXXX For close to a year now I have been fighting with the chase to release my funds. I have talked to associate bankers, supervisors, and branch managers and still have not been able to do anything. I have been kicked out of branches and have been hung up on multiple times when dealing with the chase. 

In this l last round I was instructed to gather documents from XXXX providing its my money and giving my authority to receive the check or have it sent to XXXX. I provided all documents requested and can prove that the money is mine. I gave all requested signed documents to Chase and now they are saying they can't accept the documents and need a phone number for XXXX to verbally verify. I have provided every phone number I can find for XXXX  including their main number XXXX XXXX. Chase bank says they can not verify the number and refuses to call. When asked how I'm supposed to get my money I receive the answers I don't know, I am unable to answer that question, or They transfer me and then hang up. 


During this whole process, I have been laughed at, yelled at, and disrespected. I know this sounds like an exaggeration but it really isn't. and I know generally {$2100.00} isn't a lot of money but I've spent years trying to put that money together for my retirement. I struggle and try to do my best but Chase is putting me in a corner and not giving me any options. I've looked at legal options and I can't afford a lawyer to help me. I have all the original documentation, emails, and conversations. Please any help would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-07-14
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX my husband attempted to make payment on a reported debt for which they had frozen his XXXX account for {$63.00} in taxes on a vehicle in which we no longer own. NCC refused to take payment from him. The representative, XXXX XXXX, once I was on the line with them demanded Personally Identifying Information from me to which I told her she was not legally allowed to demand. I also gave permission for her to take payment from my husband to which she refused again. I called back and got another representative, XXXX, who assured me that they did not need PII and I was able to make the payment without issue. It was then that I realized that XXXX XXXX was attempting to get the information for the purpose of identity theft. This should be investigated because other people may not realize that they do not have to give PII to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX was being sued about predatory practices on my student loan, and they snuck it away to Aidvantage to avoid it being discharged DESPITE THE FACT MY LOAN WAS TO BE DISCHARGED DUE TO THE SETTLEMENT. I need this loan officially discharged and my credit report fixed because I just lost 100 points and am starting to get calls for Aidvantage likely demanding payment. 

I was scammed out of my money and am not paying for ANYTHING pertaining to this student loan, XXXX is guilty and by extention of this my loans are null and void, and any attempt to transfer this loan to another servicer needs to be viewed as contempt of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I am writing to express my deep concern and frustration regarding the lack of response to my previous complaint about false information on my credit report. I initially submitted my complaint to your office on [ XXXX XXXX XXXX XXXX XXXX, outlining the inaccuracies in my credit report and my legitimate concerns about the potential mishandling of my personal information, especially in light of the TransUnion Data breach. 

According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is explicitly stated that any refusal to investigate allegations of inaccurate information within 30 days is grounds for the immediate removal of said allegations from the credit report. Given that it has now been more than 60 days since my initial complaint was submitted, I find it both distressing and unacceptable that no action has been taken to address these concerns. 

The false late payment accounts that are currently reported on my credit profile are causing substantial distress and hindering my ability to access fair financial opportunities. It is my right as a consumer to have accurate information on my credit report and to be treated in accordance with the laws that protect consumers ' rights, such as 15 U.S. Code 1681i ( e ) ( b ), which mandates timely and appropriate actions to rectify inaccuracies. 

I believe that my complaint is being disregarded, and this situation leaves me feeling victimized by the credit reporting system. I demand that immediate action be taken to investigate and resolve the inaccuracies on my credit report, as well as the removal of any late payment accounts that are the result of these inaccuracies. Furthermore, I request that the TransUnion Data breach and its potential implications on my personal information be thoroughly addressed. It is concerning to consider that my sensitive data XXXX have landed in the wrong hands, and I expect your office to take this matter seriously and provide me with the necessary assurances. 

The TransUnion Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX** 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2017-06-19
Company: EQUIFAX, INC.
State: NJ
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:
XXXX   XXXX   XXXX   is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from over  3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Bank of America did a hard pull on my credit report on XX/XX/XXXX  without my permission.the pull was advertised as a soft pull but did a hard pull and did not result in an credit account I would like this 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 explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Somebody opened a account which was never opened by me so iv disputed it and it keeps getting verified as accurate which it is not

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 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I received an email from " XXXX XXXX '' who requested a logo design from me. I charged him {$500.00} for my service and he wanted to send me a mobile check for payment through email. He sent me a check of {$1300.00} and said that I keep {$280.00} as down payment, while I send the remaining {$1000.00} to the " printing representative '' through XXXX. He called me 5 times on Wednesday XX/XX/XXXX to make sure I received his check through email. He called me XXXX  times again on Thursday XX/XX/XXXX to make sure I send the " printing representative '' the {$1000.00} through XXXX. He wanted me to send screenshots of all the confirmation pages that I deposited the check and sent the money through XXXX. I deposited the check, sent {$1000.00} to " XXXX XXXX '' through XXXX, then found that the check was rejected. The scammer took {$1000.00} from me and I am in extreme debt. It is now Sunday XX/XX/XXXX and I received another email from XXXX with the email subject line " Birthday Invitation Designer / Service Needed. '' I believe this is the same scammer from the first email. I don't know who he is, because he used multiple names : XXXX XXXX, XXXX XXXX XXXX on the mobile check ), XXXX XXXX ( printer lady ), and XXXX XXXX. Here is XXXX of the emails he sent me in our first conversation : Email subject line : Payment for the project XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( XXXX  days ago ) to me Hello, Please find the PDF file as a copy of the payment check. Proceed to the deposit process and get back to me with confirmation once it's completed. NOTE : I prepared a payment check of {$1300.00} in total and below is the breakdown of funds ; * {$250.00} as a deposit for the project. * {$30.00} bonus for you. * {$1000.00} for the printer lady. Download the check file and open the images on your computer. After which you will carefully capture the XXXX Edges of the check using the Mobile check deposit option on your Mobile Banking App, and the payment will be processed automatically. Kindly share the screenshot image of the deposit confirmation page once completed. Regards, 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 2022-04-19
Company: EQUIFAX, INC.
State: SC
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 XXXX Account # 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 instructions.

Company response to consumer: Closed with explanation