BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
In the past I received services fromXXXX XXXX XXXX for karate services for my son and the membership was for 14 months of karate for XXXX. XXXX it was over we stopped going and turned out they did a recurring charge for service in XX/XX/2021. I was not aware of the charge because I did not check my statement until a few months later that I used the XXXX that I noticed the charge.In the beginning, I filed a fraud complain with the bank of america credit card about a charge of a service from XXXX  XXXX XXXX that I did not receive and the claim was denied because I made business with them in the past. I then tried filing a dispute for the same charge because I did not approve of this charge and I waited for months and the dispute was denied again. I tried resolving this issue directly with the merchant, however the phone numbers I had were not in service. I went to the business site and it was closed and I spoke to the vendors and they stated that he shut down the business suddenly and left. I waited for a response from the credit card company and they denied the claim again. I kept on researching to see if I found any new hting about the merchant and thankfully I found out through XXXX that the merchant opened a new buisiness under a new name ( XXXX  XXXX XXXX  XXXX  XXXX XXXX ) and his number is XXXX. I reached out to him and request to pay the money he owes and he stated " I don't have the money to pay you back " and I asked him what do you mean where is the money you charge the card. The merchant claims he will not pay and the credit card company XXXX Bank of america ) does not want to dispute the 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 monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: BBVA FINANCIAL CORPORATION
State: AL
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:
Bbva has for the second time erroneously charged my account for NSF FEES. On XXXX my account balance was XXXX I withdrew XXXX afterwards my valence then said I was overdrawn XXXX. That was the last time I used my card. When they processed all of my pending charges. They processed the XXXX first resulting in a XXXX charge for 5 transactions that were from previous days. I spoke with a customer service representative XXXX rep number was XXXX or XXXX Who said he had located the errors and who also stated I was correct.he said he would reverse two of them as a courtesy. This is not acceptable this is intention on the banks behalf to collect fees. I want all the erroneous nsf fees reversed and credited to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: U.S. BANCORP
State: KY
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/2023 USBank took XXXX dollars out my account due to someone stealing my check we have pressed charges on her we going to court for it > but due to us bank taking it out my XXXX account it shut my account down I lost my account an i have over XXXX XXXX  threw up in the air cause u won't give it back the check that ya let her come in there an cash it stats on the back of my payroll check deposit only for chase an ya allowed her to come in there cash it again.my bank has send numerous complaints in a nothing getting done. due to XXXX XXXX XXXX being my employer 's banker, nothing is getting done. i have hired a attorney for this because this isnt my fault an no one wants to give my money back look on the check it says only to chase to be deposited an ya let her cash it again on XXXX XXXX an we deposited on 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} 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, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$3800.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} 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 non-monetary relief
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.

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 2021-03-19
Company: SIMM Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Simm Associate 's that stated that I owe XXXX for a XXXX account. i called and spoke to XXXX and explained that i never had a XXXX account. i was told that i would need to either pay or call XXXX but not paying would mean that they would sue me and seize my bank account. I tired to explain that i recently had XXXX for XXXX and have limited funds for bills and can not have my account seized. I was told to either pay or call XXXX there was nothing else that could be done. I called XXXX and they stated that I should talk to Simm associates. I called Simm back and was told by XXXX that I need to either pay the balance or that they can seize the money and report it to my credit. I said that i wanted proof that this was an actual account and was told that they could not provide me that and that they had reviewed the account and it was their belief that the account is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: IL
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NY
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 on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2019-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo lied about removing my primary mortgage insurance qualifications. 

They have changed the original terms agreed when we started our loan. We have never missed a payment or been late. In fact we pay more into our mortgage every month. 

They have also now requested a 75 % LTV to remove Primary Mortgage Insurance. 

As stated in our original loan documents we can request to remove PMI after 80 % Loan to Value. 

They now are asking for us to pay an additional {$25000.00} to remove our PMI. 

Please help us out.

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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted XXXX specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months 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 explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-03
Company: EQUIFAX, INC.
State: MN
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 a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 


XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Franklin Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Franklin Collection Services XXXX I called the company on XX/XX/2021 as I noticed the collection on my report to advise that it was not mine and I had no knowledge of account services in my name. I was advised to send an e-mail and to dispute online. I did those two things and filed a report with fcr. Account is still in dispute and investigating on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: OH
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:
15usc1681a 15usc1681 section 602a 15usc1681 section 604 Every information should be accurate on all consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-14
Company: TRUIST FINANCIAL CORPORATION
State: AE
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:
Unauthorized credit inquiry on my credit reports on 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 2021-03-04
Company: Siggi LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Omni Financial did not abide by the Military Lending Act. I am a XXXX veteran and was on active duty making me take a military allotment from my pay check which is violation of the Military Lending Act. CFPB settled with Omni Financial on XX/XX/2020. Attached is the settlement that CFPB brought against them.

Company response to consumer: Closed with explanation