BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Early Warning Services, LLC
State: NY
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:
XXXX  XXXX XXXX has confirmed that the account on their records is the result of identity theft and fraud. Unfortunately, our experience with XXXX and Early Warning Services has been nothing short of frustrating and disappointing. These agencies have been belligerent with our private and personal information and have refused to properly investigate and remove the fraudulent item from our records. 

Despite multiple attempts to reach out to XXXX and Early Warning Services, they have not provided us with a satisfactory response or conducted a proper investigation. This leaves us with no choice but to demand the removal of the fraudulent account from our profile. 

The actions of XXXX and Early Warning Services are in direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, as specified in USC Title 15, Chapter 41 and 12 CFR Part 1022, respectively. These laws require that credit reporting agencies conduct a reasonable investigation of disputed information and promptly correct any errors or inaccuracies found. 

Furthermore, the failure of these agencies to comply with these laws not only puts consumers at risk of identity theft and fraud but also causes them significant harm and financial loss, which is a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as specified in USC Title 15, Chapter 41, Subchapter II and 12 CFR Part 1005, respectively. 

As such, we demand that XXXX and Early Warning Services not only remove the fraudulent account from our profile but also provide compensation for the emotional distress and financial hardship caused by their negligence. We call upon these agencies to take immediate action to rectify the situation and comply with all legal requirements. We will not stop until our consumer rights are upheld, justice is served, and we are fully compensated for the harm caused by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: ID
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:
Proper investigation. I requested that they go off the Fair Credit Reporting Act, 15 U.S.C. 1681 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. 

This was not provided with the original signed contract, thus not aa proper investigation. Please assist with enforcing the company to properly investigate or remove the collection off my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Radius global solutions continue to harass and contact about a credit card debt that was opened fraudulently as a result of identity theft. I have reached out to Radius Global solutions several times via phone and email to inform them that this credit card debt was the the result of identity theft and they continue to write me demanding that I pay this theft. 

I have attached proof of my attempt to communicate with them via email on XX/XX/XXXX, informing them of the identity theft and attached MY FTC report and my PII documents to that email.

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 2023-01-06
Company: Westlake Services, LLC
State: NV
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:
There are several account billing errors with XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act this Company has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages 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. ( g ) The term " file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

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 2023-06-28
Company: ENCORE CAPITAL GROUP INC.
State: WI
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:
Ive sent servel letters to this creditor and they have not yet to follow you guys rules. 
XX/XX/2022 MIDLANDAND CREDIT MANAGEM {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2023-11-27
Company: Experian Information Solutions Inc.
State: NJ
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to inform you that Bank of America has engaged in retaliation following my filing of complaint XXXX on XX/XX/2023. 

On Saturday XX/XX/2023 we received an Escrow Analysis letter from Bank of America backdated to XX/XX/2023. We had not received such a letter previously. 

This letter falsely alleges that our family paid only {$5400.00} of a XXXX tax bill of {$9700.00}. The letter states that there was an underpayment of {$4300.00}. The letter states that due to this underpayment, our monthly mortgage bill will increase by nearly {$400.00} per month. 

Upon review of our records we show that we actually paid {$9300.00} of the {$9700.00} tax bill through monthly equal escrow payments of approximately {$770.00}. The probable underpayment amount based on this is about {$430.00}. This is nowhere near the underpayment amount of {$4300.00} indicated on the letter we received. Furthermore, the letter includes dollar amounts that Bank of America knows are not part of Escrow ( e.g. Insurance ). 

Bank of America is using the US Mail to send financial debt information to us that it knows to be false for the apparent purpose of defrauding us. 

Because of our recent written complaints against bank of America for what we believe are violations of State and Federal predatory lending Settlement agreements ( this was contained in certified letters sent to Bank of America - dated XX/XX/2023, XX/XX/2023 and XX/XX/2023 ), we are now being targeted and retaliated against by a significant and an unjustified increase to the monthly mortgage payment in order to place an additional hardship on our family. 

In addition, we have attempted to contact the regulatory affairs person identified for the response and resolution to the original complaint ( # XXXX ). We have not received a call back nor have we received any document showing the response submitted to the CFPB from Bank of America. We have not authorized Bank of America to send any communications electronically. We have received nothing in the mail to date. 

I sent certified letters and a fax to Bank of America authorizing my husband to speak and correspond on these matters. 

I am enclosing a copy of the letter ( along with envelop showing postmark date ) we received from Bank of America regarding Escrow and a copy of the most recent letter sent authorizing my husband to speak on my behalf. My husband is authorized to speak regarding this matter as well.

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 2023-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX XXXX in XXXX Ny I purchased a 2013 XXXX XXXX XXXX XXXX and the price went for {$12000.00} but during negotiations and at signing the car jumped up to {$15000.00}. I gave XXXX XXXX salesman ) {$2000.00} as debit but on the contract he placed it as " XXXX ''. I was in such desperate need of any kind of car that I signed the contract in distress. I would appreciate if someone would look into this matter to make sure that this practice was legit.

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 2023-11-19
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new Business Checking account with PNC on XX/XX/23. I was excited to start my new account with a company that is for small business. 

I then made three transactions to deposit money into this account. 
On XX/XX/23 I moved {$5000.00} into this account through a transfer from another bank account I own. 
On XX/XX/23 I moved {$10000.00} into this account through 2 cashier checks. These were banks that I had closed out, and I immediately took the cashier checks to PNC. 
On XX/XX/23 I moved {$89000.00} into this account through a check from my personal bank account. I had to move money from a personal savings account, into my personal checking account. I then wrote my business a check from this account. 

My financial advisor told me it would be a good idea to move the money I had saved for buying a house, into my new PNC account. Since my business shows more income and it would allow me to get a home loan. 

Fast forward to XX/XX/23, I go into the bank and ask to get a few checks. I have some bills I need to pay. The teller notifies me that she can not give me a check and that my account is frozen. I am now trying to figure out why my account is frozen. The only thing they have told me is that they think it is because I had large deposits to a new account. Which I have a paper trail for everything I have deposited... But if this is the case, it is very frustrating that I have been given no update on this. I was never told my funds would be frozen. I was never asked for any information or documentation. 

If bringing my hard earned money over to their account is an issue, I will gladly close my account and go elsewhere...

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: Experian Information Solutions 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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX 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 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX. I am a victim of identity theft and need the following accounts to be deleted from my credit report. I have submitted documents to the credit bureaus multiple times and the items still have not been removed.

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 2024-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Charged upfront or unexpected fees

Complaint:
I attempted to open a secure business credit card, i didn't agree with the terms, they told me it would be two weeks before i get my money back and my rent was due. I was hoping to pay my rent with the credit card, but i needed them to correct the terms. There where a few parts in the agreement that i brought to their attention. Here they are as followed. I dont agree with the Following Paper work summited after my colleterial was taken, SUCCESSOR AND ASSIGNS section which states, You agree that we may at any time assign or transfer to another person your Account, you Account balance, or this Agreement. The persons to we transfer or assign your Account., your Account balance, or this Agreement will have all of our right under this Agreement. You will not assign or transfer, any of your right or duties under this Agreement, and this Agreement is binding on your successors, heirs and legal representatives and upon anyone to whom you assign your assets or who succeeds to them. This is clearly fraud if this company wished to control my company and it's likeness, the agreement would have to be unilateral. My company XXXX XXXX XXXX XXXX has licenses that we issue for this particular situation. I mentioned this once in the case previously filed with the cfpb on XX/XX/2023 against the company Bank Of America Inc Complaint Number XXXX. This company is clearly attempting to commit fraud. And i attend to correct this issue. This is my company XXXX XXXX XXXX XXXX letting them Bank Of America inc know, that without my signature and company issued licenses, all their Bank Of America Inc agreements are considered relinquished to my Company Trademark and personal name for the attempt to fraud me out of my company. I will be moving forward with activating this credit card, Bank Of America will be extending me a credit limit and line of {$20000.00} unrecoupable. And i will keep full ownership of my company name and likeness, no one shall have the ability to take ownership of the new activated account without written notice from our company XXXX XXXX XXXX XXXX, we agree upon here.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-03
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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts opened up fraudulent using my personal information have not been removed after sending in my FTC identity theft report and placing fraud alert on my credit files and requesting that it be deleted from my credit files. 

I have provided the companies with proof of identity theft of my personal information and passwords while I was under the care of a caretaker in whom I trusted. I reported the suspect XXXX XXXX who stole and had access to all of my personal information while I was ill to the FTC. 

There is not way that they can verify that I opened or authorized the opening of following accounts, especially with proof of myself being a victim of identity theft. 
They are unverifiable, inaccurate, and questionable. 

According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts are in violation of not reporting 100 % accuracies.

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 2023-12-29
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support 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 non-monetary relief