BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX An authorized amount of {$3300.00} was sent to someone through XXXX under Bank of America. 
Multiple attempts were issued to this XXXX  account without Bank of America notifying me through text to send a code to authorize transaction. When I noticed money gone in my account I called Bank of America and filed a claim. They just rejected my claim and I reopened it because I did not authorize this XXXX 

Bank of America stated that they did not send me an authorization code to my cell phone number nor email- how was this transaction even done without me authorizing? Usually to a new person the bank sends an authorization code to confirm. 

Please help

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 2022-12-29
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:
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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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  ; 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 alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-24
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:
Dear Sir or Madam : I am a victim of identity theft. Due to Identity Theft, Fradulent Accounts, Fradulent Collections and Fradulent Inquiries are on my credit report. 

I sent the following documents to XXXX, XXXX and Transunion : Police Report, FTC Complaint file and number, Notatrized FTC affidavit form, FTC Letter addressing which fradulent accounts and Fradulent inquiries must be removed, copy of my credit report, 2 forms of identity, proof of address and a Copy of the FCRA Section 605B! 

I have submitted documents to XXXX. here is the tracking number XXXX I have submitted Documents to XXXX. here is the tracking number XXXX i have submitted documents to Trasnunion here is the tracking number XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX Collection : XXXX  ( ORIGINAL CREDITOR : XXXX XXXX  ) Account : XXXXXXXX  INQUIRIES : XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, TRANSUNION Collection : XXXX  XXXX Original Creditor : XXXX  XXXX  ) ACCOUNT : XXXX INQUIRIES : XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX ACCOUNT : XXXX  XX/XX/XXXX INQUIRIES XXXX XXXX XX/XX/XXXX, XXXX, IN XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2023-03-12
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: Comerica
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm a veteran who received a XXXX XXXX payment on XX/XX/2022. I opened a checking account with the XXXX XXXX " Bank '' on the XXXX of XX/XX/2022. I contacted Direct express in an attempt to transfer my funds into my XXXX XXXX " Bank '' account. After giving Direct express my checking account number as well as the routing number to the XXXX XXXX " Bank ''. I waited ( 6 ) days, and checked my account to find that the transfer did not go through. I called Direct Express customer service to find out what was the problem. I was told that i would have to go to their web site, and open a web account in order to transfer that amount of money. I opened an account with Direct Express and attempted to transfer my funds over to my checking account at XXXX XXXX " Bank '' and was given a confirmation number that the transfer was a success. I waited ( 4 ) more days and checked my account again at the XXXX XXXX " Bank '' and the funds were not there. I accessed my on line account with Direct Express to find that the funds were returned to my Direct Express card. I set up that account with a user Id and created a pass word, but Direct Express went into my account without my consent. Direct express has frozen my Direct express card on the XXXX of XX/XX/2022, and I haven't been able to withdraw any of my funds. I closed on a home on the XXXX of XX/XX/2022 and haven't been able to pay the sellers on the home. I also haven't been able to pay my rent for the month of XXXX. I really need this to be resolved as quickly as possible. I tried to contact Direct express the XXXX of XXXX. Whenever I call the customer service number, and follow the prompt and enter my card number, I am continually be put on hold without anyone to return to talk to me the remainder of the day. I've called Direct Express Several times a day for several days and once I put in my information I would be put on hold the remainder of the day without talking to a customer service employee nor supervisor. I've called The Office of the Inspector General, who gave me a White House hot line telephone number and I was given a case number as well. I was sent a letter dated, XX/XX/2022 from Direct Express Advocacy Group which included their phone number. I've attempted to contact them several times only to get a voice mail. I have left numerous messages and a phone number to return my call, as the message states and haven't received a return call from them as of yet. I t 's has been several weeks without any access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Sequium Asset Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been making monthly payments, yet they are still calling me at least once a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
When working with a counselor at XXXX XXXX XXXX in 2003, they directed me to take out private loans as the best option. This was not the best option for many reasons, also my loans would have been forgiven through XXXX XXXX XXXX XXXX if they were federal because of the fraudulent activity found with XXXX XXXX practices. American Education Services does not acknowledge these fraudulent activities and unwilling to make any changes to my loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX have Fraudulent accounts and unauthorized Inquiries appearing on my credit report. I have attached an FTC 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 non-monetary relief
Consumer complaint received 2021-06-29
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: Their investigation did not fix an error on your report

Complaint:
I have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Good Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account XXXX XXXX XXXX, Account number : 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 602 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 2022-03-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I had a loan by line of credit loan from 5th third bank on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX against my condominium. I paid loan in XX/XX/2021. But I did not get statement of interest paid from Bank yet ..my address changed and letter if mailed was not forwarded to new address.

I called company the above Bank XXXX XXXX XXXX two times last 15days, Bank promised to send but did not do at my new address ..... 
please help thanks XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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: Personal information incorrect

Complaint:
Simply can not get XXXX to correct false names, addresses and fraudulent accounts attached to my name. Can not reach a human operator and can not access website dispute due to them allowing a fraudulent person to open an account with them in my name. 

How is it that a credit bureau can be so inept!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: PA
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:
Hello i have an account from XXXX XXXX XXXX but i dont know who that is or i have never used that bank 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 2019-05-24
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX, I've been XXXX from the US Military since XX/XX/XXXX. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX  from the Military in XX/XX/XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I XXXX  in XX/XX/XXXX. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BROKER SOLUTIONS, INC.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I believe that New American funding is holding customers monies and delaying making payments in order to hold more money in their accounts so they can make more interest on a larger amount of money. My loan was supposed to fund on XX/XX/XXXX and they are still holding about {$11000.00} and doing nothing but making excuses for not sending the money to XXXX XXXX to pay off the my loan. They never sent a check as they said and they were supposed to do a wire transfer on Monday XX/XX/XXXX but that still hasn't happened. If they hold other customers funds and keep making more interest than they should, this is not right and I consider this theft. They have been holding my money for 20 days now and making interest on my money. I will never use this company again, this is the worst experience with a loan company that I have ever had. 


XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX ( 4 days ago ) There is absolutely no reason why a wire transfer can't be made, I'm tired of excuses. Please have your supervisor call me ASAP XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX ( 4 days ago ) Please. Let me know when that takes place. 

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX ( 12 hours ago ) to XXXX I was never contacted today saying that the wire transfer had been taken care of. I just checked my XXXX XXXX account and I am really curious to hear what excuse you guys come up with. Someone call me ASAP and let 's get a supervisor on this call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Bread Financial Holdings, Inc.
State: NC
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 have been a victim of identity theft. XXXX XXXX had reported an open account on XX/XX/2023 in the amount of {$850.00} and {$1000.00}. XXXX XXXX XXXX  reported an unauthorized account on XX/XX/XXXX. 2023 in the amount of {$540.00}. XXXX XXXX XXXX  reported an unauthorized account on XX/XX/2023, in the amount of {$880.00}. I have contacted the frauds customer service lines to these accounts, and nothing has been. I need these accounts removed from by report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: FULTON FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attempted to purchase XXXX  tickets! I spoke with a gentlemen via text and email we discussed I would send transaction via XXXX and he would send tickets via XXXX. I sent the money he never sent the tickets. I reached out to my bank and the XXXX department but they said there is nothing they can 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