BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX To whom it may concern at Bank of America regarding my claim # XXXX account ending in XXXX claim amount {$31000.00} I XXXX XXXX am a victim of identity theft, and I did not make these ( charges or withdrawals ). I am requesting that the ( charges and withdrawals be refunded and reinstated ), that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. I am asking for my account to be fixed and my claim reconsidered and investigated thoroughly clearly truthfully and I be treated as a customer not a criminal. the card that was sent to my address was never in my possession. Somebody stole it and used it without my permission or knowledge therefore making it a crime of identity theft. The bank did not have any security on the cards at that time and I believe lost a lawsuit and was ordered by the judge to refund return and fix people 's accounts from Bank of America associated with the XXXX. So therefore I want to be treated fairly and under the judges orders lawfully to have my account returned to the way it was before my card was stolen. it took the bank over 2 years to notify me of my missing card in my account once I contacted them when they sent a new card that I had no knowledge of. I contacted them the day I received the card and reported the fraud that day as soon as I found out. 
if my claim is not reconsidered fairly and correctly I will be forced to take legal action and take this case to the news and report the bank for not protecting me a customer and treating me as if I did something wrong when they should have been protecting my account monitoring these crazy withdrawals and purchases and spoke with me instead of just letting it happen and now not doing anything to help me recover my lost money. 
I XXXX XXXX have never received or used or given permission for anybody to use my information or anything of my identity to use a card sent by Bank of America. I want a victim of identity theft reported in XX/XX/XXXX to the XXXX informed by the lap that somebody was using my identity and had my mail in their vehicle upon their arrest. The mailboxes at my address have been broken into previously during and after the dates mentioned in my complaint it's an ongoing problem XXXX theft identity theft bank fraud in the area that I live in XXXX California I am clearly a victim of identity theft and would like the bank to reconsider my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collections company I.Q. Data International , Inc ( XXXX XXXX XXXX XXXX, XXXX, WA, XXXX ) has fradulently placed an account/debt on my name. Per the company, this debt is mine, which is a lease under someone with a similar name. 
The loan is for a lease, which was from XXXX. I have been monitoring my credit with XXXX XXXX for some time now and this account never came up on my reports until XX/XX/23. 
I do not know either of the individuals on this account. The woman on the account, has a similar name to mine, with the exception of the middle name. My middle name is XXXX. I firmly believe that the individuals XXXX XXXX XXXX and/or XXXX XXXX XXXX have falsely and fraudulently used my name and information for this account. 

I only became aware of this account and that this account was under my name and in collections on XX/XX/23 when I received an email alert from XXXX XXXX stating I had an account that required my attention. The night of XX/XX/23 I filed a dispute with XXXX for this account. On XX/XX/23 I was informed by XXXX that the dispute investigation concluded the account does belong to me, which is untrue. 
On XX/XX/23 I called XXXX Police Department to file an incident report for fraud. On XX/XX/23 I also spoke to officer XXXX XXXX who submitted an incident report, which is filed as incident report XXXX. On XX/XX/23 I called XXXX XXXX to request a copy of the report. 
In addition, when calling this collection agency, the first individual, XXXX, was very rude and refused to give me information for this loan. It took me calling XXXX other times for the files so suddenly appear and be given any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Park Hill Holdings
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Perviously rented from a company XXXX XXXX. The company submitted an eviction XX/XX/XXXX but was canceled the same day. Unfortunately the company did not communicate with the attorney so a repossession was submitted with the court XX/XX/XXXX and a default judgement was submitted on XX/XX/XXXX. The company has submitted documents to set a side the judgement on XX/XX/XXXX. Which eventually lead to the case being dismissed. Everything was approved by the court XX/XX/XXXX. The company is still housing information that is negatively impacting even with the judge approving the judgement to be set aside.

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 2021-12-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Starting XX/XX/21 we were notified by USAA that a check for about 45,000 was available for use in an account that has not been used in 5 years. Upon investigation we noticed that USAA accepted a check with no signature that was obviously fake. We asked for this to be removed and our account shut down. We were assured that our account could not be accessed, but we can not close the account until the investigation is over. We called today and after waiting 3 hours to notify them that there were multiple bill payments set up today by someone else, we were again assured no one could access our account. Our account now has over 20,000 dollars taken out. They continue to allow payments to be taken out though we told them they are fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Sezzle Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I made numerous purchases using SEZZLE.COM, a buy now pay in four company. I have used them for over 18 months. I purchase items through them and then they charge my credit/debit card or checking account every two weeks until the item is paid for. 

In XX/XX/XXXX I became unable to pay my credit cards and Sezzle due to unforeseen circumstances. I notified them to stop billing my credit/debit cards and my checking account. They were notified in writing on : VIA EMAIL : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX VIA XXXX : XX/XX/XXXX I will be glad to forward you a copy of each of these contacts. I have received 3 actual responses with one relevant, the one that says I am out of luck. 


With each of these notifications I asked for a complete invoice for everything I owed to be mailed or emailed to me. I also said as soon as I was straightened out I would contact them. They have either refused to acknowledge my communications, answered them with non relevant information, or basically say sorry we will do what we want. 

Since asking them over 4-5 times to stop trying to charge my cards/checking info they have attempted to bill these methods from 10 - 45 times per day. Two cards were canceled due to excessive declines, one sends me an email with each decline, and the other just locked my card. I am attaching a couple of the emails and will gladly forward more if you wish. These decline emails indicate decline because card not activated because the company canceled my card and issued a new one because of Sezzles activity. The new card can not be activated until Sezzle stops their attempts. I have also attached a screenshot of my inbox so you can see how Sezzle is Robo-Billing the cards after being told not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: OH
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:
On or about XX/XX/2021, XXXX XXXX Experian received a via certified mail, a notice that an alleged creditor XXXX XXXX XXXX did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent XXXX XXXX XXXX the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.

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 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX. 2021, I became a victim of Identity Theft. I became aware of it on the morning of XX/XX/XXXX when I was thankfully able to stop a fraudulent wire transfer from my XXXX savings account. I immediately called my other banking institution to alert them and to make sure my accounts are secure. 

I contacted Bank Of America and informed them of my situation. The representative assured that my accounts are safe and he noted my account. Later in the afternoon, I received an email indicating that a " XXXX XXXX '' was added as a recipient to my XXXX account w/BOFA. I immediately logged on BOFA and removed this person, since I do not know him nor did I add him and proceeded to call BOFA to report my account was hacked. While on the phone 2 unauthorized transfers XXXX/BOFA were done from my account to this person in the amount of {$1300.00} and {$2100.00}. I informed the representative that these are fraudulent activities and I did NOT authorize them- please note this was within minutes of the transactions going through my account. 

Within few days after reporting the fraud, BOFA informs me that they denied my claim and my money is gone. I submitted all kind of documentations proving that my XXXX account was hacked and I was the victim of fraud activities on this day with XXXX and one of my credit cards, I also filed a police report documenting the identify theft. BOFA indicated they will review the info and will get back to me in 60 BUSSINESS DAYS, in the meantime, they have my money and they refuse to do a temporary credit. This is not fair. BOFA mismanaged my money and now they won't take responsibility to fix it. 

Please note I had to fax my documentations to BOFA on 3 separate occasions and they claimed they never received it. Finally, I went to the bank and had them fax. I also spoke with the branch bank manager and he told me THERE IS NOTHING HE 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 monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On or about XX/XX/2021, TransUnion XXXX XXXX received a via certified mail, a notice that an alleged creditor XXXX XXXX XXXX  did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent XXXX XXXX XXXX the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They said online banking placed a fraud hold due to the number of devices I had logged in my mother and I sat with a banker to add her to my account we both gave our ID and socials the banker told us she would receive her own card and online info and not only did that not happen they have sent no update no denial or anything.. which caused my mother and I to share my online info.. so now they think it's unusual activity when if they had given her her own it wouldn't appear as it does not my account has been overdrawn over XXXX longer then 30 days so it's been reported to credit beauro so my credit has taken a hit and my rent is late I've received another eviction notice my car 's broke down etc. And I need to know what's or to whom do I send my demand letter because I fully intend to sue for the total amount of my advance both cause I had to get a second while they held the first to a different bank plus interest on both advanced and for my credit and 2 eviction notices all for no reason or fault of mine so please respond with whatever I send my demands and legal info with regards to the lawsuit I plan to file against key bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: MO
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:
Experian has verified a fraudulent account without providing me an " Investigative Consumer Report '' under 15 USC 1681ae for XXXX XXXX. It must be provided from the CRA 's on the information I have disputed. Experian customer service says " that only the creditor is supposed to provide me the information in order to determine the accuracy of my report which goes against federal law. Another thing Experian also deny my right to dispute incomplete/ inaccurate information on the consumer report which violates FCRA XXXX They're online system won't even allow me to dispute. You have to call in & if a lender is link to an account, they're representatives will refuse to dispute. 

As a consumer, do we have to put together a class action lawsuit for Experian to update they're XXXX XXXX system which violates consumer rights under FCRA? They're absolutely no legislation that claims " if a creditor is link to any personal information, you must contact the creditor first even though that creditor is fraudulent in the first place & some creditors do not engage in DIRECT DISPUTES.

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 2021-12-28
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I went in branch to open 8 small business checking in hopes to enroll in their XXXX. They failed not only in enrolling my accounts but froze them a day later and have yet to unrestrict the accounts pending an unnecessary investigation by the fraud department in almost a weeks time.

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 2023-09-06
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX - {$0.00} Account Name : XXXX XXXX  Account Number:XXXX  {$330.00} Account Name : XXXX Account Number : XXXX {$180.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: TX
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 reached out to Experian multiple times over the phone and by certified mail since XX/XX/2022 to request removal of names and address on my credit file that is not mine. Ive provided proof of identity and address by certified mail multiple times and they have not corrected the errors.

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