BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, just after XXXX XXXX, XXXX XXXX contacted me by phone saying that my account information was different than before and that I had applied for a credit card through XXXX XXXX. The most recent bill on the use of this credit card had not been paid and needed to be paid by me and would have to be reported to the court if not paid. After confirming that the account was in my name but that I did not own the account, I was advised to file a report with the location of the XXXX credit card ( XXXX, XXXX XXXX ). During the reporting process, the XXXX police said that I was in possession of the stolen money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a month later, and then eventually handed me over to the prosecutor and submitted my personal funds to be inventoried. I sent a message to the prosecutor on the evening of XX/XX/XXXX ( US time ) stating that our family could only provide {$150000.00} and he said he understood and would negotiate with me for the remainder. My parents transferred the money to me on XX/XX/XXXX XXXX time and XXXX XXXX XXXX asked me to send him a screenshot of the amount in my account and said he would record it for me. On XX/XX/XXXX and XXXX, I was asked to submit the amounts. He also asked me to take pictures of the documents after submitting them to him. He also told me to report to him if the bank called to confirm and the amount was transferred. XXXX XXXX XXXX said the one submitted on XX/XX/XXXX arrived on XX/XX/XXXX US time, and the one submitted on XX/XX/XXXX informed me on XX/XX/XXXX that it arrived. On the morning of XX/XX/XXXX U.S. time, XXXX XXXX XXXX sent a message to me saying that after their meeting they said that I needed another {$50000.00} for my review funds. After I explained to my family, they transferred the money to me on XX/XX/XXXX and the submission was made on the same day, also to a different XXXX XXXX account. In the early morning hours of XX/XX/XXXX, the same day, XXXX XXXX XXXX changed to a new XXXX account to contact me. In the early morning hours of XX/XX/XXXX US time, XXXX XXXX XXXX sent me a message and said the funds had arrived. During this time or daily reports until XX/XX/XXXX, the XXXX XXXX XXXX said he would meet today and asked me to restore my phone to factory settings and to re-register my apple id. He then gave me a code word and told me that a special agent would contact me in about 10 days for the funds to be returned. He would contact me again after the funds were returned and his account would be sent for testing and reported suspended. Until today ( XX/XX/XXXX ), no one has contacted me.

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 2023-05-05
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:
Hi I recently checked my credit report and realized that the following account from XXXX XXXX XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.

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 2021-08-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with Huntington bank online, I linked an external account that Huntington approved, I then deposited required funds to get bonus offer, Huntington received funds and then sent back funds to me and gave no reason why causing me to lose interest by keeping my funds for several days before sending funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: United Shore Financial Services, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage lender is ignoring request for re-appraisal of house to remove PMI. House values have significantly increased and re-appraisal would most likely cause for the removal of PMI due to the higher appraised value. Made our initial request on XX/XX/XXXX to order a new appraisal. The task to order a new appraisal is approximately 10 minutes ... nothing significant is required other than actually DOING IT!

The mortgage lender is intentionally prolonging / avoiding the request in hopes that house values may drop back down in order to avoid removing PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 2017-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I XXXX XXXX i been a Victim Of Identity Theft Someone Open a Credit Card Account With Bank Of America That I Never Open. I File A Police Report For This Incident. Bank Of America Claim The Account Was Open Since XX/XX/2012 with a Different address i never Lived or never associate. Bank of America Mark this Account on My Credit Report asXXXX Unpaid and i was not aware about the Identity Theft Situation i Have A Lawyer From XXXX XXXX they Tried to Communicate With Bank of America and they Started a Fraud Investigation Bank of America Denied The Investigation And Claim that the Signiture that was used to open the account it match and bank of america claims there was no Fraud there Was Several Item on My Credit Report XXXX Item Was Removed From my Credit Report Except The Bank Of America. I Never Signed Any Documentation To Bank Of America And The Signature is not Mines. Bank of America Does Not want to help With This Situation and they Have Made this Problem for me Really Difficult and They Are not Accepting the Documentation From My Lawyer Neither The Police Report..

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 2022-01-01
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an acct with XXXX XXXX paid my phone off XXXX bill in XXXX lol switched company XXXX gave me a hard time switching my phone over. Well here we are XXXX I am getting harassed by a company called Jefferson capital claiming I owe them they called me over 40 times XX/XX/XXXX through this week Monday I have screen shots of this. I called them I notified XXXX XXXX they keep harassing me its getting annoying I only uploaded a few photos to show you what I mean you can see the times they called and how excessive it is am I the only person they contact or what

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Experian Information Solutions 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 have two different companies reporting the same account on my credit report. 

XXXX in the amount of {$550.00} XXXX XXXX  in the amount of {$550.00} I have worked with a credit service and the problem has not been resolved.

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 2023-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Capital One/Lord & Taylor account was closed on XX/XX/2021 Paid as agreed with no owed balance. Under the payment history : XX/XX/2021 shows 30  days late. The account was never late 30 days and is reporting incorrectly. 
XX/XX/2021 shows 60 days late. The account was never 60 days late and is reporting incorrectly. 
XX/XX/2021 shows 90 days late. The account was never 90 days late and is reporting incorrectly. 

No balances were ever owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Current account/was delinquent 90 days past due date Worst Delinquency 90 days past due 90 days past due 90 days delinquent Balance {$2200.00} {$2200.00} {$2200.00} Credit Limit {$5100.00} {$5100.00} {$5100.00} Credit Utilization 44 % 44 % XXXX XXXX TransUnion XXXX Closed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX XXXX, XXXX Terms Revolving Scheduled Payment {$110.00} {$110.00} {$110.00} High Balance {$3100.00} {$3100.00} {$3100.00} Loan Type Credit Card Charge Account Credit Card Responsibility Individual Individual Account Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, ORPhone ( 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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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

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 2023-08-29
Company: Avant Holding Company, Inc.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I filed XXXX  XXXX bankruptcy in XX/XX/2023 which included all my creditors. Avant- emailed to let me know about a {$2200.00} debt I have with them today XX/XX/2023. I called them today XX/XX/2023 and spoke with a rep. by the name of XXXX. I asked her for her agent ID for record purposes and she told me she didnt have one. I verified info for her to access the account I use to have and she explained that even on my account there is an ALERT that states not to contact me per my bankruptcy. I also explained to her that Ill be contacting my bankruptcy lawyer because of this and she didnt understand why. Its illegal to try and collect on a debt that was included in on a bankruptcy. Well they are still trying to get their money from me. It is illegal!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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:
Ny name is XXXX XXXX I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and i have also enclosed copies of the federal trade commissions Identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Central Portfolio Control is illegally trying to collect on a debt that is NOT mine. It was originally through XXXX XXXX XXXX who was previously notified of the debt not being mine and they could not verify the debt to which they removed it from my credit reports XXXX closed on XXXX  and I will a separate complaint about that ) and stopped trying to collect on it. 

Now XXXX XXXX XXXX has apparently sold it to Central Portfolio Control. This has been an ongoing issue for over 12 years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. 12 years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations The letter that Central Portfolio Control clearly marks that XXXX XXXX XXXX is the current creditor and that the original creditor is XXXX XXXX XXXX. That in itself is so far removed. I am sick of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with WAKEFIELD plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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 XXXX, XXXX Authorized Representative for XXXX XXXX TODAY Date : XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character.. 
Dear Sir or Madam I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. agency EXPERIAN sent a letter stating that EXPERIAN had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report erroneously.

1. Account name : XXXX XXXX XXXX, Account number : XXXX Chargeoff, Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 
Thank you, These listed Violations are based on breach of fiduciary duties XXXX XXXX XXXX, XXXX, THE XXXX XXXX XXXX, FTC XXXX and XXXX Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o

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 2021-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Contacted Chase bank after noticing I was charged twice for a XXXX ride on my XXXX XXXX card and on my Chase debit. I was told by a rep. to walk into my local branch with the proof of print out from XXXX. I get there, I'm treated like criminal, I was refused from making a deposit and I was told by management after requesting for a manager that there no way she can contact the dispute unit. I was then asked for my debit card, ID. I was laughed at by bank employees. I knew she was lying, I was just being rejected for services because the bank assumed was lying or something .I had to deposit my money at the ATM because all the bank employees was in a group as if i'm an criminal.I was just released from the hospital for XXXX and XXXX, I'm taking XXXX. You know how embarrassing it is to be denied help and to stand there and have a ***** break down in front of strangers over {$16.00} overcharge by someone else on my account. Chase discriminated against all the time denied credit by Chase for no reason, all my bills are paid thru Chase. All my income is trusted with Chase but I'm not a good enough for equal services. I was denied by Chase for a XXXX card under XXXX XXXX and still don't know why. I know why because I'm XXXX!! I being XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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