BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was the victim of a check washing scam. I reported the scam to Bank of America 2 hours after discovering my check had been washed. For over 90 days, they claimed they were conducting an investigation into the check fraud. After 90 days ended, they sent me a letter saying that I would not be compensated for the check was because it was reported after 60 days of it actually occurring. During that 90 day period, multiple people at Bank of America insisted that I would be reimbursed for the washed check. Bank of America Fraud line XXXX from Tennessee admitted that they only completed a slight investigation, Bank of America took no meaningful actions to protect my best interest in this case. Furthermore, Bank of America refused to provide me with any information regarding the fraudulent transaction.

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 2023-03-31
Company: FEDChex Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The dates will be found on the letter attached. There are several dates that this collection agency called me while on work and have not opted me into text without my authorization. I mailed the letter to dispute and to cease all communication until they process my dispute and send a letter resolution but instead they have increased the amount of calls just to hang up and leave many voicemails. I feel very harrased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Early Warning Services, LLC
State: IA
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:
Attached is a letter I received from XXXX XXXX in regards to a data breach and my personal information being compromised by the XXXX  breach. The following hard inquiries currently listed and showing on my XXXX and XXXX credit report is fraudulent, unauthorized, not my hard inquiries and is the result of the XXXX XXXX XXXX breach that was discovered on XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX Card, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: SC
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:
Equifax is reporting the account with XXXX XXXX on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit 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:
I rented a car from XXXX while my car was in the body shop. The rental period was from XX/XX/2023 and the car was returned on XX/XX/2023. I returned the rental car to the body shop on XX/XX/2023 and I understand that XXXX picked up the rental car that same day. On XX/XX/2023 I got a text stating that I was over my credit limit. XXXX had charged my credit card {$670.00}. I went to the XXXX location in XXXX where I had rented the car on XX/XX/2023 and they told me that after a car is returned you have to go through their corporate office. I originally though that the {$670.00} was the car rental cost, My car insurance company paid the cost of the car rental. It took over a week to find out that XXXX had enrolled me in XXXX XXXX fraudulently without my knowledge. I have had an active XXXX XXXX for many years so there is no need to rent a temporary XXXX XXXX. During the rental period I went through a toll on XX/XX/2023 and on XXXX. I had my XXXX XXXX in my hand on both occasions but i found out later that my XXXX XXXX  did not go through because XXXX XXXX XXXX XXXX  was mounted higher. I did not even know that the XXXX XXXX was activated. I am being charged for some thing that I never ordered. The credit card company is aware as I have put in many disputes. I have always paid my bill on time. All I owe is the toll and toll fee which comes to {$30.00}. I am a XXXX XXXX on a fixed income and can't afford to pay {$670.00} for something that I never ordered. I NERVER ORDERED XXXX XXXX. XXXX XXXX IS OVER {$22.00} A DAY. My credit is being ruined because of this. The bank knows I always pay my bills on time. I have already paid the {$30.00} to Capital One. I have a credit card and a car loan from Capital One so they need to treat there customers better. I have sent my XXXX XXXX statements to XXXX but Capital One continues to bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charged fees for two or more years for having less than a minimum in my checking account. Wells Fargo NEVER notified me via mail or email! I never received any statements alerting me of the charges.

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 2023-07-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion has failed to conduct a proper investigation and correct the items in error on credit report. 

For XXXX XXXX Account status reports as Derogatory on Transunion and XXXX but still reports open on XXXX. 
Date of last activity reports as XX/XX/2020 on Transunion, XX/XX/2020 on XXXX and XX/XX/2020 on XXXX. 
Date of last payment reports XX/XX/2020 for Transunion and XXXX but reports XX/XX/2020 for XXXX. How can these be accurate when the payment history for XXXX  and XXXX shows that the last payment was made in XX/XX/2020 but shows 30 days late for XX/XX/2020? In addition, there is no payment history for Transunion on account to show proof of late or delinquent payments? How is this reporting accurately? 

For Chapter XXXX Bankruptcy Three different court names that are invalid and inaccurate are being reported for this account. According to the FCRA information being reported on a credit report must be accurate and reporting the same across all three bureaus or it must be deleted from a credit report and no longer reported.

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 2023-06-14
Company: EQUIFAX, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being harassed by XXXX XXXX, Comenity Bank and XXXX daily. Multiple times a day. They call me from different numbers, they call me from blocked numbers, they change their number to make it look like theyre calling from different area codes. Ive been making minimum payment as Im out of work and have been sick and my kids have been sick also. But they continue to harass me. The XXXX  XXXX ones are them also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/21 XXXX  XXXX  had Malen & Associates place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: CITIBANK, N.A.
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:
The account below is not my account. I DID NOT open this account this is fraud and NOT my account. 

XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {XXXX} written off. {XXXX  past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {XXXX Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {XXXX} Highest balance {XXXX} Terms I would like for them to remove immediately it is hurting my ability to obtain credit. 

Thank 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 explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TRANSUNION : DUE TO IDENTITY THEFT THESE INQUIRIES DONT BELONG TO ME. PLEASE REMOVE. 
1. XXXX XXXX XXXX XXXX-XX/XX/XXXX 2. XXXX XXXX XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX-XX/XX/XXXX 7. XXXX XXXX XXXX-XX/XX/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 2021-03-18
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a verification of debt letter to this collection agency and never received a response for the requested docume nts such as and limited to : 1 ) Agreements authorizing Resurgent to collect this debt with the creditor. 2 ) Agreements with my signature assuming said debt 3 ) Valid copies of the debt 4 ) Proof status of limitation has not expired 5 ) Complete payment history along with other charges applied 6 ) show licensing to collect d ebt in my state 7 ) license number and registered agent I have been waiting for over a month and no answer as of yet, I also claim this debt is not mine after legal action. to which I am bound not to discuss and the claimed debit is grossly inaccurate. I was never informed of this debt prior to reporting it or that it would be reported. This claim of debt needs to be addressed prior to futher legal action is taken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX XXXX has conducted the payment in the amount of XXXX XXXX from my account with XXXX to account of GO HIGHER INTERNATIONAL TRADE ( XXXX ) XXXX XXXX  opened with SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. On XXXX I applied to XXXX for a license to unblock my funds. On XXXX I have received license XXXX XXXX authorizing JP Morgan Chase Bank XXXX XXXX the funds to the originator. We tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank XXXX XXXX on the fact of issuance of the above mentioned license and asking them to return the funds to our account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, we can not receive our money even having the license authorizing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACIMA DIGITAL FKA SIMP continues to report an account to XXXX with a balance of {$3100.00} that doesn't not belong to me. I reached out to them by mail but received lack if response. Provided Police affadavits and dispute forms, they continue to report to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account number 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.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
UNKNOWN INQUIRES XXXX XXXX XX/XX/2020 UNKNOWN THEY TOLD ME THE LOAN IS A TITLE LOAN. I DON'T HAVE A CAR SO WE AGREED IT WOULDN'T BE SUBMITTED. 


XXXX XX/XX/2020 UNKNOWN XXXX XXXX XX/XX/2020 UNKNOWN FACTUAL DATA XX/XX/2020 & XX/XX/2020 APPLIED ON XX/XX/XXXX ONLY FOURSIGHT XX/XX/XXXX UNKNOWN ***ON THE FOLLOWING SEVEN ( 7 ) I WAS ASSURED IT WAS NOT GOING TO BE A BROKERAGE WHERE THEY THREW OUT THE BAIT TO ALL FINANCE COMPANIES BUT THAT'S WHAT HAPPENED ANYWAY*** XXXX XXXX XX/XX/XXXX NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXX FINANCE XX/XX/XXXX NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXX XXXX XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND SECURITY SERVICE XX/XX/2020 NOT AUTHORIZED ONLY APPLIED WITH XXXX XXXXXXXX MAIL OFFER IN HAND XXXX XXXXXX/XX/2020 UNKNOWN XXXX XXXX XXXXXX/XX/2020 UNKNOWN XXXX XXXX XX/XX/2020 UNKNOWN XXXX XXXXXX/XX/2020 SHOULD ONLY BE ONE NOT TWO INQUIRIES. I GOT A MEDICAL CREDIT CARD FOR 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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus TransUnion, XXXX and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

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 2021-03-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/22, my credit score suddenly dropped XXXX points, going from XXXX ( Very Good ) to XXXX ( Good ) ; however, there is no reason for the drop. I called Experian, but their system won't allow you to talk to anyone. I filled out an online case form, but they have not responded even though they pledge to do so in 24 hours. 

I'm being harmed for no apparent reason and can't get any information from them. Please advise on how I should proceed.

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