BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX  SS 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY XXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: TN
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:
Experian is reporting addresses that do not belong to me. These addresses are linked to identity theft. In addition, there is a name that does not belong to me and I would like to have it deleted 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 2022-10-23
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
i used covid forbearance to postpone payments after i lost my job. freedom mortgage and i then verbally agreed over the phone to restart payments XX/XX/2022, in an XX/XX/XXXX phone call ( that they admit is recorded ). completely out of nowhere, freedom mortgage then foreclosed on me. 

they have also said i get 12 months of forbearance relief plus another 6 months from the VA, and all in all, those 18 months are not up until XX/XX/2022 yet they are foreclosing anyways. 

DEMAND THAT YOU LISTEN TO THE XX/XX/XXXX PHONE CALL THAT WASW 35 MINUTES LONG. YOU WILL HEAR IT THERE.

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX Does not have the authority to report any information to the credit Bureaus during an open CFBP / Arbitration case. They are breaking code 12 CFR 1026. They are also not allowing the process to be completed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: PNC Bank N.A.
State: MA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a letter from PNC Bank today, XX/XX/XXXX, stating " Here 's your NEW Prepaid Card! NOTE : your ACCOUNT ACCESS CODE is the last XXXX digits of your Social Security Number. USE the ACCOUNT ACCESS CODE to activate your card and obtain account information. Who sent this to me? I never asked for it. Somewhere later in the XXXX pages of information in the mail I received it said to call with the last XXXX digits of my SS number and the number on the XXXX Debit card which is XXXX XXXX XXXX XXXX with text " good XXXX XX/XX/XXXX and XXXX XXXX '' There was no information about me when I entered these XXXX items, ss and card numbers. So is this all just a scam to get more personal data on me by making me visit www.prepaidcard.com, giving my personal information, getting a pin in response. SCAM! Who gave me a prepaid card? How much is on the card, something or nothing, How can I tell without going through the entire process of activating a card I never asked for and do not want! Another text on one of the pages said to complain to CFPB and gave the web address as cfpb.gov/complaint BUT do a google search for the Consumer Finance and web address is not XXXX but XXXX  leading to more confusion and disbelief. Automatic voice response when you call the telephone nuber PNC Bank supplies in the letter and it talks about consumerfinance.gov Why 2 different web addresses?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX and Equifax is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: TX
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 rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
ON XX/XX/XXXX we purchased a hotel stay through a merchant known as XXXX XXXX in the amount of {$440.00}. 

This was related to a trip to XXXX. 

ON XX/XX/XXXX we cancelled the trip due to the Pandemic related closure of XXXX. 

ON XX/XX/XXXX the Merchant approved a refund in the amount of {$330.00}. They indicated it would take 15-30 days for them to process the refund but that never happened. Further the refund should have been for the original amount of {$440.00}. 

ON XX/XX/XXXX the Merchant issued a credit in the amount of {$440.00} to Bank of America.

Bank of America never deposited those funds into our account. 

We filed a complaint with B of A to look into it and they closed the case and claimed the merchant did not authorize the refund but as you can see from the attached the merchant approved the refund. 

We spoke with B of A operating unit that closed the claim and they suggested we visit the Branch and provide them with the documents that showed the merchant 's approval of the refund. Even though we had already faxed it to that unit and they lost it.

We went to the Branch and spoke with the Manager XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, XXXX, NV. XXXX. We gave her the all of the attached paperwork and she said she would resolve the issue. 

Subsequently we received another closure letter and went back to the Branch to speak with XXXX. She had lost the paperwork at that point and did not remember what took place. The operating unit at B of A had asked us to get a time stamped copy of the fax from the branch to the operating unit but XXXX could not produce that document. 

We escalated the issue to XXXX XXXX XXXX VP and Consumer Banking Market Leader Telephone XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, NV. XXXX. Once again he said he would resolve the issue. 

Mr. XXXX kept us updated for a few weeks and claimed he was looking into the issue and eventually the last time we heard from him was XX/XX/XXXX of XXXX with no resolution. 

We have not heard from anyone since then

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am disputing the account ( XXXX XXXX ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including small claims court in my area. This is my warning. I demand you to delete these items at once.

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 2021-05-12
Company: Square Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I knoticed transactions on my prepaid card account that were made via cash app I contact cash app in reference to those unauthorized charges and cash app informs me that someone created a cash app account in my name and used my debit card to send money via cash app. So I ask cash app where was my money sent to they wouldn't tell me where they wanted me to give them the cash tag for the person received the money I respond that I don't know what a cash tag was and not does it say that on my statement I give them what I have on my statement and ask them to close any accounts that have my card linked to because of unauthorized charges and it's fraud I'm told to contact my bank to dispute those charges and I do that but my bank declines approval of dispute stating after contacting cash app they deemed chargers was authorized when I have never used cash app before they have not done anything to help locate my money or gave me info to recover my funds so I have taken out of this situation is that cash app will allow fraud transactions to occur and do nothing to help recover funds I don't know what email was used I can only provide my card number that was used and cash app does nothing except say that's all they can give me case closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX my credit card was not in my possession and was used at XXXX XXXX KY for 2 separate transactions to purchase visa gift cards. A police report was filed and submitted to Bank of America. There is an ongoing investigation with the police as they locate the suspect. Security camera footage show the suspect using the stolen credit card. 

The Credit card company temp credited my account and sent me a letter on XX/XX/XXXX that my claim has been denied and I am responsible for the fraud charges because the card was present and a chip was used. 

I was not even in the state nor did I have the card in my possession at the time of the charges. 

I called Bank of America on XX/XX/XXXX and worked with a customer service rep and he re-opened my claim and said I would not be responsible for the charges again until everything is closed. I am mailing in pictures of the suspect along with an email from the XXXX XXXX Sherrif 's office stating " this is the suspect ''. Bank of America asked me to fax also and I will do that today. I do believe it is difficult to see a person in a hoodie and glasses on a fax but I will submit the fax today and also the information has been mailed. 

XX/XX/XXXX, I called back to Bank of America to ask why there is a balance on my account and he said I am responsible for the balance until the investigation in complete. I asked for the details of my calls in to resolve this issue and he refused to give me the information, said I need a supena. He was very rude and not willing to help me with the details so that I could file this complaint with all of the points of contact I have made. I have been with Bank of America since XXXX and I did cancel my card today due to this issue and there is no favor of the customer being correct. My card was stolen and used to purchase gift cards. I am VERY unhappy with Bank of America and their lack of concern for their customers, especially long term customers with excellent credit history. I have had no issues with my credit card since XXXX and this is the first one and it has been handled extremely poorly. The fact that I am having to contact the CFPB to help resolve my fraud claim is ridiculous. Warning to those who use Bank of America. They are not about backing the customer when there are fraud charges on your 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 monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}

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 2022-10-30
Company: Experian Information Solutions 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:
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 U.S.C 1681. 
XXXX # XXXX Months XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX Months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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, other that 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 explanation
Consumer complaint received 2022-10-17
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My husband and I bank at Truist and my husband was convinced by a criminal that he owed money to a company after they convinced my husband he received a refund of {$6000.00}. My husband suffers from a XXXX. The account is a joint account. 

After withdrawing {$6000.00} in cash from our accounts and sending some {$2000.00} in 'gift cards ' to the criminal, my husband returned to our bank with {$4000.00} in cash and wanted to send that {$4000.00} in a wire transfer. XXXX, the cashier at the bank, recognized the signs of a potential crime being committed against us, and questioned my husband about this wire transfer request. Instead of checking with the joint account holder ( me ) after suspecting a crime being committed against us, XXXX took the {$4000.00} cash and sent the wire transfer anyway. 

When I returned with my husband after finding out about the missing funds, the branch representative shared many tales of similar situations of customers of their branch that had been defrauded- so they are aware that this is a major problem, but took zero action to prevent it in our case, and likely continue to allow this to happen.

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