BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
When I discovered someone had used my personal information to open fraudulent accounts I obtained a copy of my credit reports and discovered one of the fraudulent accounts had been opened with Bank of America on XX/XX/2017. I contacted Bank of America by mail and phone to report the fraudulent account and to inform Bank of America someone had also attempted to file a bankruptcy petition to cover up the fraudulent applications and accounts. I also requested a copy of the fraudulent application for my police report. Bank of America ignored my requests and stated since the information used to open the account matched my information then the account was mine and they refused to delete the fraudulent 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX 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 Personal Information. 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 2022-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) have violated my rights .

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
GC Services Limited Partnership got my personal information without my consent. They damaged my reputation by saying that I owe a debt that is not minds. They are also trying to coerce me into paying a debt that is not minds. They are also infringing on my intellectual property. They do not have the right to use my name XXXX XXXX. That is my personal property ( XXXX filing XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
A fraudulent transaction, in the amount of {$42000.00} was authorized for payment from a savings account at Wells Fargo Bank. The " pending '' transaction description detail " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' was noticed after logging into mobile banking on the morning of XXXX XXXX. At the same time it was also discovered that XXXX other transactions posted as ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX were posted on XXXX XXXX. These transactions were not authorized by the account holder. 

I contacted Wells Fargo who submitted a claim and attempted to put a hold on the pending transaction but was told that the funds were gone - I know this is incorrect since the daily processing had not yet occurred. I inquired as to how it is that a transaction of these amounts on an account that has never been authorized to do business with either of these companies / individuals would not be considered suspicious. I raised my concerns that XXXX and other regulations were not being followed with appropriate fraud monitoring. I was told that since someone had intercepted the routing and account numbers there was nothing they could do. I informed them that I was n't sure how I could trust Wells Fargo to act as a fiduciary of my accounts if this kind of activity could occur without monitoring. I also informed them that I recently opened a HELOC with Wells Fargo where I was asked to provide this savings account statement for underwriting purposes. I contacted XXXX but was told they would not do anything until Wells Fargo contacted them. I contacted XXXX XXXX XXXX, XXXX but as of the submission of this complaint was unable to reach anyone. 

My complaint is around non-compliance with XXXX, fraud monitoring and information sharing.

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 2020-09-20
Company: EQUIFAX, INC.
State: PA
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 company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the XXXX, Equifax, and XXXX they tell me in writing that they've contacted the company " XXXX XXXX '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MANIPULATION OF FORECLOSURE AUCTION, FORGED FORECLOSURE PUBLICATIONS AND MALICIOUS OBSTRUCTION OF HOMEOWNER 'S RIGHT TO DUE PROCESS This situation has been a long and exhausting process which originated when the mortgage on the property contained an incorrect legal description. In attempting to foreclose on the property, BNY Mellon intentionally forged the legal description on the Court documents publicizing the auction instead of reforming the mortgage as it is required to do, by law and which resulted in a grossly inadequate bid price. 

Further, in an effort to settle the matter, I attempted, on multiple occasions, to satisfy the entire foreclosure judgment. BNY Mellon refused to accept full payment and instead accepted almost half of the judgment amount from a known collusive bidder in a grossly faulty foreclosure auction. 

After BNY Mellon forged Court filed documents to avoid correcting the mortgage, it then maliciously prevented me from satisfying the judgment, retaining the equity in my home, and satisfying the judgment to avoid a completed foreclosure. They also conspired with the auction bidder to prevent my right to due process and hearing of my timely objections to the faulty foreclosure auction. 

I have raised these issues in a multi-year court battle ; yet BNY Mellon continues to engage in knowingly malicious bad acts. They have admitted their errors in XXXX documents, yet they refuse to take corrective actions. It is unacceptable and must be addressed. It has cost me years of my life, tremendous financial distress and the loss of home in spite of my multiple, assertive efforts to satisfy the full judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am now 6 months into the process of trying to gain access back to my account. This is the 2nd report I have filed. Some while ago, I was given a notice that my account was locked and that I no longer have access until I can confirm fraudulent activity. I followed their instructions on submitting the necessary and proper documentation to validate my account. That paperwork was all properly submitted over a month ago. The representative in charge of my case does not answer the phone. It has now been 6 months and I have not had access to 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 2023-08-17
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:
Tuesday XX/XX/XXXX I the Secured party creditor sent a letter certified mail which contained a proof of contract request between the secured party and the president " XXXX XXXX '' of speed loan company making these commercial claims against me. " Without prejudice ''. If XXXX cant provide the information within 30 days they must by law remove the derogatory mark. " XXXX '' my rights are governed under this law. Now following my due dilligence I have made a report to identitytheft.gov to report the theft of this debt collector making these claims that I the good faith creditor blood and flesh owe a debt in the United States of America. Next I have come to the CFPB because by law this collector has violated my rights. Furthermore this collector was place on my credit without my written permission. 15 usc 1681b under this title and section my rights are governed. Also this collector is in vioation of 15 usc 1681n Civil liability for willful noncompliance. Which states ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I never authorized this consumer transaction and i never authorized the furnishing of this this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: WELLS FARGO & COMPANY
State: OK
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:
This account is showing an inaccurate closing date of XXXX/XXXX/2021. Ive tried to file a dispute and nothing has changed.

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 2021-05-14
Company: BAM Management US Holdings Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Binance.us ( BAM Trading Services Inc. ) has been withholding {$140000.00} from me for the past 3 weeks pending " Identity Verification ''. On XX/XX/XXXX my ability to buy, sell, trade, and withdrawal was suspended without notice. I haven't been contacted nor was I informed what information they need from me to get this resolved. I took the proactive approach and submitted a support ticket XXXX # XXXX XXXX on XX/XX/XXXX with a copy of my drivers license XXXX front and back ), bank statement, and utility bill all attached hoping this would speed up the process thinking this would be sufficient in verifying my identity and proof of address. I reached out to their customer support via XXXX that same day and supposedly had my ticket escalated, but that apparently means nothing since I still haven't gotten a response going on 17 days now. I really don't know what else to do and feel like I'm getting scammed. This whole situation has caused me a huge amount of XXXX and XXXX. Anything you could do to help me out would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I discovered I had been the victim of identity fraud. I obtained a copy of my credit reports and discovered XXXX of the fraudulent accounts was with Bank of America that was opened on XX/XX/2014. I immediately contacted Bank of America by phone and letter. I also requested a copy of the fraudulent application. Bank of America refused to send a copy of the fraudulent application. I also informed Bank of America that someone had fraudulently attempted to file a bankruptcy petition to cover up the fraud. Bank of America said the information used to open the account matched my information the account was mine and refused to delete the fraudulent account and said I had to pay the account balance.

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 2023-08-17
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
CHASE AUTO MADE XXXX HARD INQUIRES ON MY CREDIT REPORT AND I WAS TOLD THAT THEY WOULD BE REMOVED BECAUSE IT WAS DONE IN ERROR AND SO FAIR THE HARD INQUIRES ARE STILL THERE HURTING MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: NY
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 sent certified letters out from the inaccurate and unknown accounts that have been drastically hurting my credit score, and costing me THOUSANDS of dollars in interest annually. I have tried reaching out to via letters and its been over 55 days and still no response. I feel as if I am being taken advantage of which isn't legally right. Section 611 ( a ) clearly states they have only 30 days to conduct an investigation and reply or the account must be deleted. it has been over 55 days and demand these accounts be deleted immediately. My information was also affected the the Equifax data breach and may have got in the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently monitored my Credit Report is all Credit Berues ( XXXX, XXXX, and XXXX ) and have noticed High Supeciour Fraud Activity in Unsolicited Credit inquiries. I have not made or Authorized any credit application on my behalf to anyone, card, or no new accounts, made by me At this moment. I have counted at least 20 new inquires and three major Bank Card application inquiries, Well Fargo, and XXXX XXXX XXXX made from XX/XX/2022 thru XX/XX/2022. One is from XX/XX/2022, from XXXX. Also was unsolicited or Not initiated or made by me. 
The following accounts are Fraud. I never initiated or applied for this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Following are Inquiries I have never made or Authorized : Name Requested On 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ANY Transactions, inquiries, loan applications, credit cards, or any type of inquiries applications, made after, or initiated after My Escrow account started with XXXX on XX/XX/2022 XXXX XXXX consider as fraud and it should be investigated as such. I have not used my credit to prevent any credit discrepancies and I was taking care of my finances so that I could've able to purchase a home. Therefore, this is very concerning and I would like to report this as Identity Theft and FRAUD Transactions. I am including my current credit report and have placed a Credit Freeze on All Credit Bureaus ' reports. effective today when I became aware of this.

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