BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, a fraudulent wire transfer of {$25000.00} was taken from my checking out following an illegal sim-card swap on my XXXX  device. Both the sim-card swap and bank transfer occurred at location in the state of Colorado. I was and am located in western Washington and have never been to the state of Colorado. I immediately drove to the XXXX, WA Bank of America location ( XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ) and tried to stop the transaction. They refused to help in-person and instead gave me a phone number for their fraud department. After calling the number, the representative informed me that they could not help with sim-card swaps since they need to verify ID using the same number that was currently stolen. I immediately went to the XXXX store ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA ) to retrieve my number which the store rep confirmed was swapped in Colorado without my consent. 

The following morning, on XX/XX/2022, I went to the Bank of America location in XXXX, WA ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I filed the fraud case and they assured me that the case would be investigated. Bank of America promised a 90 day resolution time where they would either refund or give next steps. Bank of America has still not offered any solution. It is my belief that the fraudulent transaction occurred in-person with a fake ID at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX received an email from the bank saying I had visited this location. I have called the Bank of America fraud services multiple times request information about the case, and they refuse to investigate. 
My case number is 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 monetary relief
Consumer complaint received 2022-12-27
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There was a credit card issued through Comenity Capital Bank in Ohio that I did not apply for or activate. A small charge was made using this card to XXXX XXXX A small item was delivered to my address, I did not open and wrote did not order return to sender. About two weeks late I received a credit card through the bank Ive mentioned above. As all cards a sticker on the face of the card had a number to call to activate card. I did not activate card and cut it up and disposed of it. Now unpaid balance was reported to XXXX XXXX and XXXX which has dropped my credit score over XXXX pts on each. My credit score had been over XXXX for many many years. 
Not sure how this card was issued but definitely not by me. I need assistance in resolving this please. The call I made supposedly to this Bank I got the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out XXXX rounds of dispute letters to the XXXX credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
XX/XX/22 XXXX XXXX, XXXX and PORTFOLIO RC. 

RE : We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2020-06-13
Company: EQUIFAX, 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXXE, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CITIBANK, N.A.
State: NC
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: Overcharged for something you did purchase with the card

Complaint:
I over paid my Citi XXXX XXXX my regular payment was XXXX I sent XXXX by mistake. I discovered my mistake before my payment was due for XX/XX/XXXX therefore I went to CITI Card requested a Refund of this amount pay regular payment of XXXX my account. Several days later I received a letter from Citi Bank informing me if I take the Refund of my payment made with MY Money I would be over the limit. Several years before doing the Pandemic my credit limit was reduced and cash withdrawal were cancelled. My card was increase by the amount of the Refund XXXX. I filed a complaint while discussing this issue with a Executive that call me about my complaint he ask didn't I ask for a loan I informed him I DID NOT ASK FOR A LOAN AFTER ALL CITI CARD TOOK THOSE RIGHTS AWAY THE YEAR BEFORE. I have never missed a payment or been late on this card. Citi Card sent misinformation to the Credit Agencies. Presently that information is still on my file reduced by Credit Score by XXXX points. How is it possible you can return a refund to me later add to my account as a loan.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ALL THE ACCOUNTS THAT ARE LISTED ARE FRAUD I SENT FTC REPORT AND ALL MY DOCUMENTATION AND STILL THEY HAVE NOT REMOVED. THIS WAS IN EARLY XXXX AND THEY STILL HAVE NOT REMOVED THEM. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 2023-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
First of the CFPB has taken action against Portfolio Recovery Associates for using deceptive tactics to collect bad debts. My debt is completely inaccurate where Portfolio Recovery lacks documentation and trying to enforce collection without verifying the alleged debt. 

Portfolio Recovery Associates has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and Portfolio Recovery Associates " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-03
Company: Experian Information Solutions 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2019-11-22
Company: Ditech Financial LLC
State: CO
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 writing to formally dispute a credit reporting from Ditech on my personal credit report. Ditech reported two 30 day lates to the credit Bureau after selling my loan to XXXX XXXX. 
My loan was sold to XXXX XXXX XX/XX/2019, then Ditech reported lates in XXXX and in XXXX. Ditech in no way tried to let me know there was a late payment. After spending 10+ hours on the phone with Ditech to try to resolve this I am writing directly to you. After discussing this with Ditech 's representatives it was found that XX/XX/2019 there was a late payment and a noticed sent then, however they reported this late not until XX/XX/XXXX and again in XX/XX/2019 ( after loan was sold and current ). When I discussed this with their representative she confirmed that Ditech had sent only one letter in XXXX, based on our hours of phone conversations the days of the month in XXXX only XXXX and they report on the XXXX, seem to have played a role in why on my end my account appeared to be current. Ditech admitted to me over the phone on one of these many calls that ultimately resulted in nothing that I had 90 days from them selling my loan to resolve anything before they can report to credit Bureau. However these reports were made the month of selling my loan and 30 days after selling my loan. Not only were my efforts made within this time allowance, they had already reported these lates. The current standing is reported as follows : MTG2 XX/XX/2019 and MTG2 XX/XX/2019, this needs to be changed and corrected. The XX/XX/2019 needs to be changed to MTG 1 and the other reporting needs to be removed entirely. My XXXX payment was late but rolled over months over months due to 28 days in the month resulting in Ditech not knowing about it until XXXX I can except that reluctantly, however making two reports is incorrect on every level. Ditech must remove the late report made in XX/XX/2019 they did not even own the loan and it was paid in full by XXXX XXXX at the time. 
DItech advised me to have XXXX XXXX contact them on my behalf since my loan was current and now owned by XXXX XXXX, after reaching out to XXXX XXXX their credit department was appalled they advised this since they in no way can represent me. My new lender ; XXXX XXXX told me they could not do anything to help me with Ditech incorrectly and un-responsibility reporting me to credit bureau. 

Please contact me with for next steps to remedy these from my credit report. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 is missing that should be on the report

Complaint:
I have a paid off Car loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from XXXX and XXXX credit reports. It also never showed up on equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 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 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 2023-04-01
Company: TD BANK US HOLDING COMPANY
State: CA
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:
The company is reporting late payments when they dont have to authorization to report for my credit. Breaking my Fair credit reporting act laws. I do not and have not given consent or authorization to report any payments to my credit report. I am protected by The Dodd-Frank Act as-well. I need these 30 day and 60 day late remarks deleted from my credit as they do not have my consent to report this.. 15 U.S. Code 1681a

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: NY
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:
On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days.

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Acct XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. XXXX said they mailed me a letter however, I did not receive them and then my area was severely hit by XXXX XXXX. 
I spoke to XXXX regarding this problem and paid the credit card off immediately. I have spoken to XXXX several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
XXXX told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to 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