BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was recently scammed out of {$6000.00}. I am currently a recipient of XXXX ( unemployment ) and between XX/XX/XXXXsomeone/s withdrew {$6000.00} from my pre-paid XXXX Bank of America account XXXX XXXX XXXX. Once I discovered the unauthorized transactions on XX/XX/XXXX I filed a claim via phone with the institution. I received a denial letter dated for XX/XX/XXXX in which I requested a reconsideration. My claim was reopened XX/XX/XXXX and denied again on XX/XX/XXXX. I spoke with a representative of the institution for a reconsideration once again in which it was reopened XXXX XXXX. I have done everything in power to resolve this matter with my banking institution but yet my fraud claim continues to be denied and mishandled. Ive sent the banking institution the DR # from the police report, my Drivers License, as well as a rebuttal letter, along with other photos of myself and evidence. My investigative jurisdiction as a citizen only goes so far which is why I am reaching out. This matter has created a great deal of stress for me and has put me in a hardship. Please consider this matter in good faith and provide a solution if possible. I would greatly appreciate it.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}

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 2023-08-24
Company: EQUIFAX, 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, I lost my credit card issued by Citi. On the same day, my credit card was fraudulently used ( physically, not online ) at a nearby city by an unknown individual. The following charges totaling {$470.00} were posted to my credit card account : 4 separate charges of {$97.00}, {$96.00}, {$96.00}, and {$96.00} at XXXX located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Additionally, there were 2 separate charges of {$50.00} and {$39.00} at Shells located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. All of these charges occurred before I had realized that I had lost my credit card the same day. When this unknown individual attempted to make additional charges, I was informed of potential fraudulent activities by Citi via text. I responded immediately and filed fraud disputes for these charges. The credit card was also cancelled immediately. 

A few weeks later, Citi notified that they have completed their " investigation '' and have decided NOT to credit for these fraudulent charges. I then followed up with Citi, and have received no help with this matter to date. Due to these fraudulent disputes being denied by Citi, I now have an additional {$470.00} due on my credit card, which I am not responsible for. 

I have also filed a police report, which I have attached.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I got a car loan from XXXX XXXX XXXX some time back XXXX and the truck was not making any profits and I returned the truck to the seller. 
I had a financial settlement with XXXX XXXX XXXX, the settlement was paid but they never cleared my name from the Credit report since XXXX. 
Apparently out of business and can not be traced.

Kindly help me fix this issue.

May I have an investigation report about my current credit status.

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 non-monetary relief
Consumer complaint received 2019-01-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account # XXXX I do not owe this debt. I have never heard of this company before. I am disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX 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 2023-02-26
Company: JPMORGAN CHASE & CO.
State: MN
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:
Im a victim of identity theft and four of my major credit cards were used online transactions and other ways. I reached out all the credit companies however no action s taken so far and all those balances are added to my credit profile. This affects my credit score drastically and I couldnt able to get any credit services. Unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 disputed my credit score on XX/XX/XXXX with my XXXX XXXX XXXX  and I wanted that fixed. When I disputed that situation with TransUnion, they instead removed my XXXX XXXX XXXX XXXX information from my credit report causing me to lose a lot of points. I STILL USE THIS CREDIT CARD. I would like my card information restored and points restored that were taken off as a result of removing my credit card 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX, have filed a dispute with the respective three credit bureaus XXXX, Transunion, & XXXX. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XX/XX/XXXX in which it is now XX/XX/XXXX 44 days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage got sold to Shellpoint Mortgage a few years ago. My sister and I have paid our mortgage on time every month. Shellpoint adds hundreds of dollars a month in arbitrary fees making it impossible to keep it paid up. Last XX/XX/XXXX they sent a letter saying they were going to foreclose on our house due to these fees. I got the money ( over {$2700.00} ) to pay them. In XX/XX/XXXX of last year they sent me a letter saying we were paid up.Then in XX/XX/XXXX of this year the payment statement said we had extra fees of {$660.00}! It has increased every month since then. I have talked to them and sent letters to no avail. This week they sent us a letter similar to the one we had last XX/XX/XXXX saying they were going to foreclose due to these fees again. They say now we owe {$5400.00} in fees. I don't have any money to pay that and shouldn't have to. I have talked to a lot of people I know and they don't have these kinds of fees to pay and we have never had them either until we got Shellpoint as our mortgage company. 

In 2006, we made a big mistake in trusting the husband of a co-worker who promised us to get us into a fixed rate rather than the adjustable rate. We met with him 3 times. He ended up giving us another adjustable rate which we didn't know. He also had our house ( that is old and falling apart ) appraised for three times more that it was worth so increasing our payment by a lot of money. We did not get money from his refinancing but we found out years later that he had two checks written out for him with our money for over {$50000.00}. I tried to get help with this mess back then and NO ONE would help us. We have lived in this house for over 25 years and we will never own it and we have paid a fortune for it! When we bought it, it was for {$120000.00} and when he refinanced it, the loan was for {$380000.00}. Our lives have been miserable since this happened. We have our mother and adult nephew ( who doesn't work ) living with us so it is important to have a place for us to live! We have tried everything we know how to do to keep this house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my right 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 a section 2 also states that a consuming reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and 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 2023-01-07
Company: Self Financial Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
It was a credit card to help you with your credit. I was to accumulate {$750.00} and then they would give the money back and charge a percentage and give money back and report to credit bureaus to help raise score. I wanted to cancel with having paid about {$450.00}. They took my {$450.00} and reported that I owed {$750.00} to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been affected and severely impacted by the XXXX Equifax data breach. I'm a natural person who's not only been victimized by the 3 major credit reporting agencies, but also the criminals in the underworld. I never gave permission or authorization for my personal data to be stored, collected, sold or traded by any credit reporting agency. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my consumer credit reports but only XXXX XXXX responded with a letter stating that they would not process my requests because they didn't think my letter came from me. The FCRA is pretty clear that credit reporting agencies have a legal obligation to ( re ) investigate ALL disputes and correct inaccuracies if they are made aware of such. I am deeply depressed and suicidal going back and forth with these XXXX dollar corporations. I am also writing to the Attorney General of Connecticut, and the XXXX, as I have no faith in the CFPB. I sent certified letters to all 3 CRA 's on XX/XX/XXXX and received only one response from XXXX XXXX on XXXX stating they weren't doing anything because they didn't believe I sent the letters. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 at XXXX XXXX  I tried to access my bank of America sole account online due to transactions stated on the XXXX number I needed to dispute. The charges were stated differently and inaccurately as I have reported in the past to both boa and the cfpb. I have attached the 3 change in passcode attempts I tried under my user ID authorized by me as ONLY XXXX the 1 bank of America email states security alert Some one looked up your user of and the second one states my passcode was changed. 
AFTER 3 ATTEMPTS I still could not access my sole XXXX account with BOA. I THEN TRIED A FOURTH time and a screen came up which I have attached to this complaint it STATED MY USER ID WAS XXXX Who changed my user ID to my sole boa account is my question? I received a boa email inXX/XX/2020 and called the number because I changed my passcode not my user of ... they confirmed my user of was XXXX ... .Also was BOA GOING TO NOTIFY. ME THE OWNER OF THIS SOLE ACCOUNT OF THE CHANGE.??? WHO DECIDED ON MY NAME THIS TIME?? BOA OR MY UNKNOWN IDENTITY THEIF ( MY identity theft is registered with the FTC # XXXX ) MY US LEGAL NAME IS XXXX XXXX XXXX XXXX XXXX AND NOT XXXX XXXX XXXX XXXX XXXX. 
SO IT said to enter a new passcode and reenter and confirm but then it said they do match and then it said ..I DID 3 TIMES BUT IT STATED CAN NOT COMPLETE. SO again I am denied my civil rights to access my bank of America account to dispute the stated charges on the XXXX recorded line. I have saved the recordings and they clearly contradict and miscalculated my balance. I will follow up

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 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-24
Company: EQUIFAX, 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:
Im 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of 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 XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief