BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: SG and Associates
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original debt was from XXXX XXXX XXXX  sold to debt collector paid XX/XX/XXXX. Received receipt that was off collections. In XX/XX/XXXX new debt for XXXX was put on account through Stafford group and associates. Stafford is not Better Business Bureau accredited phone number goes straight to voicemail. Ive called XXXX XXXX XXXX XXXX disputed the debt almost 8 times now spoke with XXXX  and second creditor. Stafford is a scam. XXXX XXXX will not take off.

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 2022-12-30
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: Public record information inaccurate

Complaint:
XXXX is reporting a bankruptcy on my credit report an they have put in the data furnisher as being the us bankruptcy court of Georgia, which is false I have attach a letter from the us bankruptcy court of Georgia verifying and stating that they do not furnisher information over to the credit bureau or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. XXXX is falsely stating this information and refusing to remove this false 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 explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Someone opened up a XXXX  XXXX car loan and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to 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 non-monetary relief
Consumer complaint received 2020-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred money to a scam account without knowing it was fraud. Bank of America refuses to take action and take care of their customer. This is the third complaint i have made and they refuse to do their job and give me my money back

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 2018-04-11
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated calls on my cell phone from BBVA Compass at XXXX and XXXX   concerning some type of debt of which I have no knowledge. I attempted to contact the caller  but was able to do so. It is not my debt. The debtor 's name caller use is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 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 2023-06-05
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:
Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a customer of Bank of America. I have noticed that when I cancel a transaction made from my debit card the transaction is simply removed from my transaction history but I never receive my money back to my balance. This has happened several times so yesterday I had to cancel a transaction, and I also took a screenshot of the transaction history and balance before the transaction was cancelled and another screenshot of the transaction history and balance after the transaction was cancelled. The balance remained the same even after the transaction was cancelled. The transaction was simply removed from my transaction history, but the money was NEVER refunded back to my account balance. I also have a screenshot of the email from the merchant stating that they were issuing me a refund. I tried to upload the files for you to view on this complaint, but I could not. However I did email you a copy of the screenshots I have and a detailed report about my concerns.

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 2022-11-03
Company: EQUIFAX, INC.
State: NC
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:
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXD XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Adler Wallach & Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AWA Collections is trying to collect a debt that i have no knowledge of. I sent AWA Collections a debt validation letter XX/XX/XXXX asking them for the following : proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by XXXX XXXX  XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. AWA Collections has yet to send me any of the items mentioned, yet on XX/XX/XXXX AWA Collections sent me what they say is a " Ledger History '' ( see attachment ). this is not sufficient validation. I do not owe this debt. This debt is deficient of physical verifiable validation. They are reporting this debt to all three credit bureaus which is hurting my reputation. If AWA Collections does not have this collection account removed from my all three of my credit reports i will file litigation against AWA for violation of the FDCPA, file compliant with the Attorney General of my state, and file compliant with the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
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: Their investigation did not fix an error on your report

Complaint:
I have been requesting methods of verification on certain items on my report from transunion, XXXX and XXXX credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX  unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT NOS. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: VA
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 items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: ONLINE Information Services, Inc.
State: TN
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 had XXXX dispute a duplicate account with Online Collection Company 3 times and each time they came back stating the accounts were both validated. I knew this was an duplicate from the beginning and I contacted the company that placed the account in collection myself. They sent me the only bill ( 1 ) I have ever had with them and have no clue of two Bill 's. This tell me XXXX do not throughly investigate and solely went on the collection agency word and because the collection agency could not provide me with two bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 AM A VICTIM OF THE XXXX XXXX XXXX AND XXXX DATA BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO XXXX AND XXXX WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE FALLS COLLECTIONS {$440.00} BANK OF AMERICA {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.

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 2019-06-18
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want to close my checking account with TD Bank. I have tried numerous times to get my money out of the account. The latest instance, I called the bank to reactivate the account. After a lengthy time on the phone, the representative told me they reactivated the account and that I must make a transaction in order to keep it active. 

Afterwards, when I logged into my account to make a transaction I discovered I was restricted from making any transactions including bill payments and transfers to my other bank accounts. 

I emailed the bank, asking them to close my account and send me a check for the account balance. They sent me a message directing me to send them a signed and notarized letter. I am not going to do that. I want my money returned to me immediately! This bank 's actions are outrageous. They do not have the right to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Synovus Bank
State: MS
Product: Credit card or prepaid 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 received an offer from Synovus XXXX XXXX with a credit limit of XXXX after reading more on this card issuer I immediately canceled without ever having used or activated the card. ( the offer stated that I could cancel within 30 days if I had not used the card ). 
I recently checked my credit report and find that they report that I opened the account in XX/XX/2021 ; was then 30 days past due in XXXX and charged off by XXXX. 
First I can not be 30 days past due one month after an account has been opened. Neither can I be past due on a card thats never be used or activated. And then from open to close in 60 days they charge off an account that never had a balance to charge off. Ive requested they remove this information and they refused. This information is misleading to say the least and very damaging to a credit report, not only that it is fraudulent information.

Company response to consumer: Closed with explanation