BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Credit Corp Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted by an employee of this company that has informed me that she will continue to call and harass me about an unknown alleged debt. I am aware that according to article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Credit Corp Solutions and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XX/XX/2023 I have not received any documentary evidence such as a trilateral contract giving Credit Corp Solutions any right to collect on this alleged debt. I have never received any documentation requesting validation from Credit Corp Solutions before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If Credit Corp Solutions can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Credit Corp Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and Credit Corp Solutions continues its collection efforts, I will file for litigation for actual damages caused and Credit Corp Solutions will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. 
Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the co-Personal Representative of an estate of one of my firm 's deceased clients. I have attempted to marshal XXXX Bank of America checking accounts in the late client 's name. I appeared in person at the XXXX XXXX, XXXX, XXXX branch of Bank of America and provided them with the Certified copy of my Letters of Authority, an original signed letter from the other Co-Representative who lives in XXXX authorizing the release of the accounts in question to the Estate, and an original Death Certificate. I spent over an hour at the Branch and was informed the bank would be mailing a check made payable to the Estate to my office. That was almost XXXX months ago. Just last week my office received a checklist from Bank of America requesting the same information which I already provided to the XXXX, XXXX branch in person. My office called and spoke with someone at the XXXX XXXX, XXXX, XXXX Bank of America branch and was told that the account is not in their branch and they can not assist us. 

In my opinion, this a breach of the bank 's obligations and I wish to have this complaint filed and have the funds released to the late client 's estate.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is reporting information that is misleading and inaccurate that is affecting my ability to obtain housing and employment. I have sent a letter requesting it be removed previously and that it stopped being reported. 

The company is stating that I was charged with XXXX XXXX when in fact I was not. The charge was changed to a XXXX  and I paid fines and had XXXX This is public record and available online at the XXXX XXXX website. 

Record is reported 3 times so employers perceive it is different charges. 

It has prevented me from obtaining housing at XXXX XXXX in XXXX Michigan. It has also affected my ability to gain employment due to it being a XXXX  When I contacted the court they said it was not their responsibility to resolve. They reported accurately in their systems. Contact who is reporting the false information. This incident was almost 15 years ago.

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 2024-01-08
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:
Please see attached docusadments. Do not close this complaifsnt stating it is not me. I am a natural person asnd a consumer.

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 2023-08-10
Company: PLANET HOME LENDING, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have asked him on multiple occasions to send me an amortization of the loan payments. Request that the mortgage servicers of the loan ( multiple ) be investigated, since they can not provide me with detailed information and a breakdown of the items that are charging me in the total mortgage debt, the awarded payments, charges, legal expenses, among others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX-Advertisement online for a {$700.00} Persian kitten. Paid through XXXX. Kitten to arrive XX/XX/2021. Scammers asked for an additional {$1200.00} for a specialized crate for kitten to fly from Texas to XXXX XXXX. Refused to pay the {$1200.00} then all communication stopped.

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 2021-02-26
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: Investigation took more than 30 days

Complaint:
A dispute letter was mailed to all 3 credit bureaus dated XX/XX/2021. As of today I have yet to hear back with a resolution to my dispute. The accounts are fraudulent and should be removed. from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a wire transfer from my savings account at RBFCU to XXXX XXXX for a down payment deposit and realized 2 days later that its a fraudulent email and account. My back said since I authorize, I can not file a fraudulent claim with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I signed up for TransUnion 's XXXX XXXX free credit monitoring as a result of XXXX XXXX failure to provide multiple agency credit monitoring as promised with their XXXXXXXX XXXX credit monitoring program. It promised free multiple agency monitoring and the ability to place a credit lock on my info at my discretion. Like XXXX, that has been a complete lie. 
As soon as I completed the registration which included all of my personal info including current contact info, I was informed that a credit lock could NOT be activated on my credit report. I had been asked questions from my report to confirm my identity during the registration and my current contact info was confirmed online by their site. 
I was told to contact their customer service number which of course is an outsourced call center outside the US with foreign nationals with fake names asking me for my personal data and trying to peddle credit cards and other marketing surfaces to me. I will NOT discuss personal data with out of the country call centers! They have already vetted me online and have my current contact info. This is blatant fraud and a stall tactic to peddle " paid '' services. 
They quote the need and ability to monitor multiple agencies citing the fake XXXX " breach '' as their primary reason. These two obviously have a partnership in this scam. 
With XXXX playing victim and begging millions of consumers to join their services for protection, they have formed a partnership which has not only furnished private data to the world but given the hackers the latest consumer contact info as well. I don't expect to ever see any government agency hold these people accountable. I am filing this complaint as a matter of record prior to filing my own suit against them.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} today is XX/XX/XXXX XXXX  XXXX Credit card told me they reported to experian to get the balance correctly now to {$370.00}. It is still showing {$1300.00}. I spoke to XXXX XXXX and he says he will reach out to them. I believe they are deliberatly not doing it to prove a point. 
the Point is that we live in 2023 and this information should be accurate and not wait 30-60 days. I will not apply for credit until its 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 explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: IL
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 list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. State 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 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 conviction 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 inaccrate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/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 2023-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX my checking account was charged for numerous charges for XXXX for a total of {$660.00} and once at a XXXX restaurant ( in XXXX, CA ) on XX/XX/2023, for {$4300.00}. I reported all of these charges as fraud with both XXXX and Wells Fargo and immediately closed the card that the charges were made on. None of the charges from XXXX were associated with my XXXX account, so XXXX claims they could not find the charges ( clearly my card was used on someone else 's XXXX account ). Wells Fargo then responded to my fraud claim with a denial, stating that they determined that these charges were not fraudulent.

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 2022-04-11
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( also known as XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-07
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:
I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I submitted a request for validation and debt dispute from XXXX XXXX XXXX. I have anxiety over speaking to people on the phone and I decided to use the chat feature on and I found myself talking to a Customer Service Agent who refused to acknowledge my request or document it on my account. ( Chat Transcript attached ). The company responded on XXXX. However their response was incomplete. I am attaching the company 's response and also all of the information that was missing which I provided in the feedback section of the XXXX XXXX. The company did not respond to my additional requests for information. Most importantly they did not provide information from the original creditor. They did not provide documentation that there is a valid basis for claiming that I am required to pay the current creditor. THere is no copy of the written and signed agreement that created my original requirement to pay. There is a whole list of information for which they did not provide answers to in their original response. I requested the feedback on XX/XX/XXXX. Today is the 30th day since my request and I have not received any information on my additional requests. Since the time has passes without a response I am requesting that this collection be removed from my credit report and stop hurting my credit. 

I am also attaching a letter from XXXX  XXXX acknowledging that they sold the account to XXXX XXXX XXXX in XXXX XXXX, CA in XXXX. In the letter they also acknowledge they no longer have the written agreement for this account nor information about the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Fraudulent cash advances ( XXXX ) -on our Wells ( WFB ) credit card-datesXXXX & XXXX. I was out of state ( CA ) w/limited computer access XXXX to XXXX-in CA on XXXX, but no cptr. access that day. Neither me nor my husband generated the fcas. I =never make cash advances on our credit card=. We're living on a fixed income & I'm paying down, not increasing, all our credit card debt. My understanding fr WFB-2 separate fcas ( {$6000.00} and {$2300.00}, {$8300.00} in total ) were made online. S'one hacked my online acct- {$8300.00} was transferred ( not by me or my husband ) to our WFB checking acct. My husband =never banks online=. =He doesn't know my WFB user id or pass-word=. I contacted WFB 's fraud folks by phone re this Sat. XXXXthis was after I was at an WFB ATM getting cash-I saw a large balance in our primary checking acct-per WFB 's records our balance was + $ XXXXthis was due to 1 of the XXXX XXXX & transfers.Meanwhile, the balance on our credit card was + {$8300.00}. I was out of CA 1st on vacation, and, then, a week later out of CA ( in MD ) for my uncle 's funeral. This couldn't have happened at a worse time. I : reported this reported this to : the itc3.gov site ( FBI ), WFB 's management, board & phishing folks, XXXX XXXX XXXX XXXX 's office, XXXX, CA Police. & CA state AG 's office.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A dispute was placed on the account XXXX XXXX XXXX account number XXXX. This account is reporting inaccurate information. This company failed to properly investigate the account. They broke consumer laws by failing to do so.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( also known as XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-07
Company: Bread Financial Holdings, 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:
COMENITYCAPITAL/MYCASH. Date open XX/XX/2022 Some one tried to steal my identity in XX/XX/2022. I spoke to someone at this bank in XXXX and asked all action to be stopped. Community Capital still gave the forgerer credit! I do not owe this acct. I value my credit history and now it is lowering because of this! 

Here is report number with XXXX : XXXX

Company response to consumer: Closed with explanation