BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I checked my Bank of America checking acct to pay my bills, rent, etc with the stimulus and economic hardship money I received along with unemployment only to notice {$3400.00} was debited from my acct on XX/XX/XXXX. I made appointment with bank to discuss issue. Spoke with XXXX who got bank mgr involved along with XXXX XXXX on speaker phone. There was a balance left on charge-off fraudulent auto loan back in XXXX with Bank of America and they took the money leaving me with a {$100.00} balance in the middle of a pandemic that me and my family is struggling from. This fraudulent charge was removed from my credit and from my bank statements on my acct and almost a year later later this occurs which I thought issue was resolved. Also I was informed this is illegal to do because of pandemic order signed by the President and further more Bank of America is a Federal Bank which makes it illegal to do.

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 2022-02-14
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/2022 in my mail box on XXXX PM XXXX XXXX retrieved a letter purporting to be from " XXXX / XXXX Attorneys At Law '' whose letter states : " The purpose of this letter is to remind you that the tax return season presents an opportunity to resolve your account. The following options are being offered to settle your debt : '' and then goes on to offer options to settle SOME sort of debt that I am unaware of for some account I am unaware of. 

The header states " Date : XX/XX/2022 Our Client : Midland Funding LLC '' I had to unfold the letter TWICE to finally get " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Well, which is it? Are they the debt collector or an attorney representing the debt collector? This is a serious breach of several consumer financial protection laws. They can't threaten to sue me and they can't IMPLY they are attorneys then say at the end they're a debt collector. I would like them to consider this matter settled in full for their breach of laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
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:
In addition to being a victim of credit fraud as well as In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the rep more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Bread Financial Holdings, Inc.
State: RI
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Experian Information Solutions Inc.
State: WI
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 was divorcedXX/XX/2016, my ex spouse took control and responsibility for home mortgage, send info and copy of divorce decree pages showing this to Experian showing this, as a disputed item, they investigated and refused to remove mortgage and one revolving credit account 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 2022-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in my police report and my FTC affidavit to the three credit bureaus XXXX and Equifax Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts has been deleted that was XXXX Enclosed is the proof that they deleted the fraudulent account. XXXX I got an alert that a fraudulent account was placed on my credit that same fraudulent account that was Deleted XXXX, XXXX. They never noticed me of putting the fraudulent account on my credit after they deleted this fraud XXXX years ago. They have caused me caused me great damage and embarrassment also with emotional distress, Defamation of character. You have coursed me to loss a loan due this fraud you are illegally reporting. You are in complete violation of the FCRA and if this is not immediately deleted from my report I will seek legal action. This account is fraudulent and has been deleted already XXXX XXXX XXXX XXXX XXXX XXXXEnclosed you will see police report sent the the collection agency and the credit bureaus, letters and certified letters. They requested for me to send them a copy of my ID and I did. This needs to be deleted due to fraud and they are knowingly and willingly causing me damages to my credit and aware that this medical bill is completely fraudulent. I will await only allowed time for this fraud to be resolved before taking hiring an attorney and filling a lawsuit on XXXX, Equifax and XXXX XXXX this complaint serves as proof to the courts that I have taken ever possible messures to resolve this fraud. and will no longer allow The credit bureaus and XXXX XXXX Identity theft and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2021-09-22
Company: TRUIST FINANCIAL CORPORATION
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:
Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX Suntrust DBA Lightstream XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a victim of pushed authorized scam. Money ( XXXX, XXXX USD ) were wired to a bank in XXXX XXXX XXXX on XX/XX/2023 at XXXX XXXX. The scammer overtook my account made me believe that I am with an agent from BOA/FBI Fraud anti-terrorists department who was helping me to " safe '' my money in an " US Credit Department XXXX Account '' . 
I contacted BOA in 1 hour and 13 minutes, after the transfer asking for the transfer to be canceled. My account was frozen and the transfer was put " on hold '' for 24 hours according to the bank fraud department representative in Texas. A recall request under case # XXXX has been created and I have been assured that a XXXX was sent out to the beneficiary bank in XXXX XXXX which is a scammer 's bank account I have nothing to do with. 
I have been told to wait 24-48 hours for a resolution. 
At XXXX on XX/XX/2023 I called BOA customer service and asked the transfer of the money from my saving account to the checking account to be canceled. The representative told me that they can not do it neither I. 
After 48 hours I contacted the Fraud Department of BOA in Texas again at XXXX on XX/XX/2023. 
A new claim was filed under case XXXX and a XXXX # XXXX provided. Scam Victim Acknowledgment was signed by me and returned to BOA on XX/XX/2023 ( attached ). 
I contacted the Fraud Department of BOA after 45 days on XX/XX/2023 at XXXX. The representative informed me that the investigational analyst from BOA did not sign the investigation report yet, but I would receive the resolution shorthly. 
On XX/XX/2023 I sent an e-mail to the BOA asking for an update on the case. 
No response was provided. On XX/XX/XXXX it would be 90 days after second claim had been filled. I have no any information about the case and no money have been recovered. 

On XX/XX/XXXX I contacted the foreign bank by myself, but they told me that they need a court decision. 
The money wired on XX/XX/XXXX, had been available to the beneficier on XX/XX/XXXX for pick up. I contacted BOA fraud department on XX/XX/XXXX and alarmed them that if no action was taken the money will be picked up. However, I have been told that BOA Fraud Department will be closed on XX/XX/XXXX and nothing can be done.

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Attention! My Identity was stolen from me and my Social Security Number was compromised. It was also compromised in the XXXX data breach as well. I contacted my cousin who is a laywer and they stated that I should submit a complaint to the CFPB to ensure that the accounts listed on my Identity Theft Report be removed under the Fair Credit Reporting Act. The FTC report has been filed. I will attach it down below.

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 2021-03-14
Company: Experian Information Solutions Inc.
State: PA
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:
The bureaus are reporting false inquiries made by people who were trying to steal my identity. There are hard inquiries on my record that do not belong to me.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had noticed several unauthorized transactions on my netspend prepaid card. I noticed theses transactions on XX/XX/2021the transactions took place Saturday XX/XX/2021. I did not recognize the merchants name and it was four transactions in total on my all access net spend card. I contacted netspend in the secure email area on the on line banking netspend app. Sent them a message asking them to find out who and what this is from and dispute the charges. In the interim, I did some online research of said company in question. Turns out this is an online us casino. I explained to netspend that I have four roomates in my home when they asked me how did some one get access to my account. I said it's rather simple if my purse is or was unattended for awhile, I take showers, go check mail, walk my dog ect. All with out bringing my purse with me because I would think your purse is safe in your own home! So a couple hours later netspend sends me and email asking for me to call the right away. I call all to be told by a rude representative who I could barely understand say netspend locked, blocked and closed my account due to suspicious activity. I said what? The representative hung up on me!! I called back getting another thick accent representative, I was told the same thing once again however I said ok. That's fine but I need my money off of the cards that are remaining. The rep mumbled something and again hung up! I've tried sending netspend emails, three to up until today 's date .. I have received nothing no correspondence back. I have money on the account!!! On top of that my stimulus check is in route, I told netspend that the second phone call I made, the rep said well the irs will just send it in a paper check. I said wow ok but I still have over XXXX in the acct now as we speak that they are refusing to return. I need help, this is beyond wrong. I need help immediately. Please some one help me!!!

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 2021-08-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

XXXX  received my letter on XX/XX/2021 at XXXX Equifax received my letter on XX/XX/2021 at XXXX XXXX  received my letter on XX/XX/2021 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Allied Collection Services, Inc. (Nevada)
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Allied Collection Services , Inc., for committing identity theft. I have never given Allied Collection Services , IncXXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Allied Collection Services , Inc. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Allied Collection Services , Inc. any right to collect on this alleged debt. I have never received any documentation requesting validation from Allied Collection Services , Inc., before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Allied Collection Services , Inc., can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Allied Collection Services , Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Allied Collection Services , Inc., continues its collection efforts, I will file for litigation for actual damages caused and Allied Collection Services , Inc., will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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