BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Beginning in XX/XX/XXXX I reported to Bank of America multiple recurring fraudulent charges to my checking account dating back to XX/XX/XXXX. I made at least 7 phone calls to BoA. I provided all requested information on the phone. Multiple claims were opened. Some were approved and I was reimbursed for those. The following were denied. XXXX {$69.00} denied XXXX XX/XX/XXXX, XXXX {$190.00} denied XXXX XX/XX/XXXX, XXXX {$61.00} of {$140.00} denied XXXX XX/XX/XXXX. The charges were under XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I did not make these purchases. My debit card was with me at all times and no one else is authorized to use my account. Yet BoA states " The following charge ( s ) was authorized by you or made by someone who has permission to use the card or account. '' This is a lie. I contacted the vendors, who confirmed it was fraud. I placed a Fraud Alert on my credit report with all 3 bureaus on XXXX XX/XX/XXXX. I placed an FTC Identity Theft Report on XXXX XX/XX/XXXX ( XXXX ). I placed a police report with my local police department on XXXX XX/XX/XXXX ( XXXX ). Bank of America refuses to work with me, doesn't call me back, doesn't help at a local branch, and has now withdrawn over {$240.00} from my checking account and will take another {$61.00} on XXXX XX/XX/XXXX. Please help.

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 2021-09-15
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: Investigation took more than 30 days

Complaint:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-03-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Recording act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : # XXXX XXXX XXXXXXXX XXXX, # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: LEXISNEXIS
State: MI
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:
Lexis Nexis i have already opt out and did a credit freeze but most importantly Bankruptcy do not report a bankruptcy therefore they have to delete this off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted WESTLAKE FINANCIAL concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this 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 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
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: Reporting company used your report improperly

Complaint:
XXXX : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

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 2023-08-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax refuse to remove collection/negative item or provide an option for online dispute for these inaccuracy accounts from Fico Score Equifax XXXX As shown by the docs provided below, Equifax does not have these accounts on my Equifax credit report, however these accounts still showing on Fico Score Equifax. I have contacted Equifax via Phone on XX/XX/2023. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX 2 mortgage brokers called me all day. I was told they would receive a commission just to send me a quote. To stop the harassment Chase emailed me a QUOTE in XXXX. I never closed, I never signed a note. This QUOTE never closed.. I did not need to borrow money. I only agreed to a QUOTE to help XXXX out by getting a small commission for only quoting people. The broker from chpse XXXX XXXX XXXX, without closing with out wanted her larger commission and " sent in for commission in XXXX : XXXX .sent for her commission early in XXXX without my consent, but I cancelled the QUOTE, she was upset and XXXX XXXX works for CHASE. ( XXXX. this is the woman from chase that was mad she had to " give my commission back ) '' told me she had to return her commission because I cancelled. It turns out that when XXXX turned in paperwork from the XXXX quote, by collecting her commission she generated a $ XXXX XXXX dollar invoice in my name, generated invoices on my for a mortgage that never CLOSED in XXXX XXXX. 
XXXX XXXX in XXXX XXXX FL ( I had restrained ) and a lawyer in NY, Mr. XXXX XXXX, keeps suing me for 7 years for a debt that is not mine. I just found the CHASE invoice from XXXX. 

4. CHASE must confirm what I stated and stop Mr XXXX and XXXX XXXX from stealing my unencumbered property of 45 years. I can provide contact info as requested. 
I also want my {$600000.00} back in actual damages I spent defending these wrongful actions. 
From one lawyer suing me and for 7 years of being sued ongoing. The lawyers fabricated 12 forged notes, efiled 12 forged notes from XXXX. These NY lawyers have collected enough data on me personally to fabricate and entire, fabricated forged mortgage and registered a fake loan in XXXX, ( 14 years after the Quote from CHASE in XXXX ) with MERS mortgage and recorded 3 mortgages and 10 liens, backdated to XXXX on my deed have stolen my deed and equity of 45 years for CHASE mortgage QUOTE in XXXX that never closed. Actual damages are $ XXXX NY Lawyers XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The more honest lawyer is XXXX from XXXX XXXX is a witness. 

XXXX from XXXX XXXX witness, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-03-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, 2023, there were two unauthorized transactions that posted on XX/XX/XXXX from XXXX XXXX and XXXX. Wells Fargo investigated and posted {$550.00} to my checking account on XXXX XXXX, 2023 reimbursing the full amount that was stolen. 

The second unauthorized transaction occurred on XX/XX/XXXX, in the amounts of {$2200.00} and {$1700.00} from XXXX XXXX XXXX. Wells Fargo has DENIED this claim TWICE. 

An unauthorized online funds transfer of {$15000.00} from Savings to checking also occurred. I reversed the transfer myself thus closing the claim. 

A previous debit card was closed XXXX/XXXX/23 due to confirmed fraud. A new card was mailed on XXXX/XXXX/23. It was activated on XXXX/XXXX/23. This card was closed on XXXX/XXXX/23 due to fraud. 

A new card was mailed on XX/XX/XXXX23. This card was closed the same day due to fraud. 

A new card was mailed XX/XX/XXXX/23. It has not been activated and I changed banks because of lack of confidence and incompetence. I Also changed account numbers in this process. I'm not sure of the date. 

At least twice, I received fraudulent phone calls and false claim numbers, claiming to be from Wells Fargo, that were asking for personal information. The banker I was working with at Wells Fargo during the fraudulent activity,, told me I could trust the Wells Fargo person on the other end of the phone call if they were calling from the number on the back of my card. This proved not to be true. shortly after, He no longer works there. I received poor direction in handling this breach on several occasions. 

Wells Fargo has refused to use common sense. My checking and card accounts were fraudulently hacked several times. They are insisting I authorized transactions from XXXX. I need help in returning over {$4000.00} that belongs to 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 monetary relief
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: GA
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed strange activity while checking XXXX XXXX yesterday, Sunday, XX/XX/2021. I have never missed a payment for any of my cards or accounts, and suddenly my score dropped nearly 70 points from a missed payment on a XXXX XXXX card. I have not used my XXXX  XXXX accounts/ do not have my cards anymore from 4 years prior. I thought it may have been my ex-wife using my accounts, but she said she does not use them either. 

I also received strange text messages to my mobile phone from XXXX XXXX bank stating " Hi XXXX '' then going on to tell me that I missed payments for a car on a XXXX XXXX account and what the account numbers ended in. My name is not XXXX and I have a new phone number than when I was with my wife, so I believe that someone may have used my social security number and used their name. 

I have been getting similar texts since XX/XX/2021, but did not think anything of it as I assumed they had the wrong number. The most recent text I got was from XX/XX/XXXX and XX/XX/XXXX ( today ). 

I discussed the issue with XXXX  XXXX. They closed the account and launched an investigation today, XX/XX/XXXX. I provided my contact information for follow up. They advised me to report this to the CFPB. 

I attached the text messages below.

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted Transunion as they said that an account that I allegedly had with XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXXwas been reported accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and requested of them there method of verification. They got that request on XX/XX/2021. The law states that the credit bureau should provide a copy of there method of verification within 15days of the request been made. If the company fails to abide by these guidelines then its a FCRA violation and the credit bureau should delete the disputed account from the credit profile immediately. Today is XX/XX/2021 and the credit bureau has not sent me there method of verification. 
Under the Fair Credit Reporting Act if an item is unverifiable or if the credit bureau is unable to provide the method of verification then the item should be deleted from the credit report as there is no way to prove if the credit bureau did any investigation in the matter. This credit bureau has failed to abide by the law and obey the dictates of the Fair Credit reporting Act as they have refused to provide ''There method Of Verification '' or delete XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX from my credit report. I am submitting receipts from the post office showing that Transunion got my request but failed to act on it

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 2023-06-30
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 
Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX Delete these accounts immediately

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 2021-07-07
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: Reporting company used your report improperly

Complaint:
TransUnion PROVIDED MY CONSUMER REPORT TO THE BELOW LISTED ENTITIES WITH MY CONSENT. 

Name Requested On XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation