BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with TransUnion, XXXX, and XXXX. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with TransUnion, XXXX, and XXXX for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter. 


I have also took the liberty of writing United States bankruptcy court here in XXXX DC and they say they do not provide no information concerning individuals which I have attached Sincerely, 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 2023-04-05
Company: OneMain Finance Corporation
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: Public record information inaccurate

Complaint:
ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no knowledge of doing business with any of these creditors above, please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. 
Looking forward for a reply soon.

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 2023-10-13
Company: Chime Financial Inc
State: FL
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:
In all the documents I showed time stamps of when the fraud occurred, actions taken at that time and the location of where the purchases occurred. You can see multiple new device log in information from someone with and XXXX in XXXX. They changed both my password, pin and added my payment info to different wallets and emptied all 3 of my accounts within 30 minutes. The person who called me said they were with Chime, even the same customer service number displayed on the caller ID. " XXXX '' The password and new pin were provided to me when I noticed something wrong, upon checking my account 8 transactions of the same dollar amounts empting everything I had. I then called the Chime number back XXXX and the new rep I spoke with had no idea what I was talking about. This is fraud!! Chime has denied my request to reverse the charges stating no error had occurred even with proof provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The complaint is against Bank of America. My checking account is with XXXX XXXX  and in XXXX I made out check # XXXX for {$660.00} to XXXX Card and I mailed it to XXXX Card to pay the credit card bill. That check was stolen and Bank of America allowed it to be deposited into an individual 's personal account. 
When I realized this I spoke to XXXX XXXX  and submitted an affidavit dated XX/XX/2023 providing the facts of the case. XXXX XXXX Bank of America who said the investigation would take XXXX to 120 days. On Monday XX/XX/XXXX I called Bank of America and spoke to their Fraud Servicing Department. The representative said she would check on the status but returned a few minutes later and told me they would not talk to me but would only talk to my bank ( XXXX ). On Tuesday I heard from XXXX XXXX  and was told that they had called Bank of America on Friday ( XX/XX/XXXX ) and Bank of America XXXX said the investigation would take another 90 days. 
In XXXX I learned that another credit card payment made in XXXX had been stolen and deposited into someone's personal account in another bank. I prepared a similar affidavit to submit to XXXX and in less than 3 weeks the other bank refunded my money. 
The Post Office, Prosecutors offices, and even AARP are reporting skyrocketing thefts of checks put in the mail. This means that Bank of America may have hundreds or even thousands of cases similar to mine that they are just ignoring and keeping our monies. 
My suspicion of this is of course increased after having read of your investigation and findings of unscrupulous practices by Bank of America in their dealings with their own clients. I am not a client of Bank of America so they may feel free to treat me and others like me with a feeling of immunity.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a THIRD dispute with the bureau. I have reached out and let them know I was a victim of identity theft and if they can removed these accounts from my report. 
As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 
this is my third letter reaching out without a response.

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 2022-05-04
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 Reporting act.This list of account below has violated my federally protected consumer rights to privacy and confidentiality under15 U.S.C 1681. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681Section 602A. States I have rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: WorldRemit Corp.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 at XXXX central standard time I received a text message from phone # XXXX that said, exactly, We? ve had a request to change your WorldRemit account details, if it wasn? t you, contact us immediately so we can block the changes and keep you safe, than on the same date at XXXX central standard time from phone # XXXX I received a text message saying, Great news from WorldRemit. Your recipient has received XXXX ) reference number XXXX ). Thank you! Than on the same date at XXXX central standard time I received a text message from phone # XXXX, saying, Great news from WorldRemit. Your has received your transfer.. I did not open this text message to read rest of the message. 
I have never done any business, transfers, anything with WorldRemit, I go on line to check my checking account linked to my debit card and discovered 2 pending transactions both the same exact amount of {$90.00} each listed exactly as WorldRemit XXXX CO XXXX Y, then another one in the amount of XXXX listed exactly WorldRemit XXXX Co XXXX Y at which time I contacted my banks 800 number at XXXX central standard time on XX/XX/2021 to report the unauthorized charges in which the lady who I spoke to immediately canceled my debit card advising me to go to my nearest bank branch location when they open, Im unable to determine if they are open today XX/XX/2021 with the information provided for several branches stating they open at XXXX XXXX  but specifically stating, XXXX XXXX may effect these hours, I will call at least 3 branches after XXXX to check on weather or not they are open, if not I will be at my local branch Tuesday, XX/XX/2021 to fill out fraud paperwork as was advised with the lady I spoke to XX/XX/2021 on the 800 # on the back of my debit card. 
On XX/XX/2021 I received another text message at XXXX central standard time from phone # XXXX saying, XXXX XXXX your WorlRsmit transaction XXXX is pending due to the limits or your recipients mobile wallet. Kindly check your email for details. I have not received any emails in reference to anything remotely close to this WorldRemit not even in my spam/junk email. 
I have filled similar 2 separate reports with the XXXX XXXX XXXX Scam recovery spam tracker forms, the 1st report was for the 3 separate text messages within XXXX minutes of each other and the other report from the test I received on XX/XX/2021 at XXXX XXXX  central standard time. I took screenshots of everything for evidence for anyone who needs them obviously for only those are legitimate companies that combat these type fraudulent activities and my bank institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MY dispute was delivered on XX/XX/XXXX to Convergent outsourcing simply asking them to provide the following information y. I requested verification of the alleged debt. Specifically, I requested the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and an itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. ( 4 ) Proof that this is an account as defined in Title 15 1693 A ( 2 ) the term account means a demand deposit, savings deposit, or other asset accounts. You are illegally attempting to collect the alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification.

I have not received a response yet Convergent outsourcing has failed to respond to my verification request. I want this alleged account deleted from all consumer report agencies 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 explanation
Consumer complaint received 2023-08-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Discovered I had but {$5.00}. In my acct. checked acct on line and had my atm card used 4 times yet I have my card in my purse. My purse had always been with me. XX/XX/XXXX XX/XX/XXXX 3 xs at atm {$200.00} each + their fee XX/XX/XXXX atm {$300.00} + their fee Contacted my bank that night XX/XX/XXXX Bank sent me forms to fill out Bank declined due to Bluebird Member Agreement 22d Basically didnt believe me. They Permanently closed my acct. My Social Security Check was deposited on XX/XX/XXXX. 
Police Report # XXXX Detective XXXX XXXX XXXX Police Dept. Bank said 10 days to send me {$1200.00}. Called again and they said 10 days. Got my balance 31 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a repo on XXXX XXXX the vehicle was sold recently but Im being charged for the prior interest rate on the vehicle which I dont think Im responsible for. I only had the automobile for 4 months. How could I be responsible for interest ket alone they took the money for all the warranties I had and charged me for XXXX fees. I dont believe I owe them anything. I put down about {$15000.00} dollars with the transfer of my prior warranty and {$3000.00} cash on a XXXX vehicle. It just doesnt seem right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau 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 accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: DISCOVER BANK
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 - Discover took duplicate payments of {$440.00} causing my checking account to have negative funds. 

I contacted Discover, the customer service representative, could only say that she did not see any payment had been taken. She did advise I could send proof of the duplicate withdrawal to XXXX and there research department would look into it. I did send the requested support as I was upset with Discover causing my checking account to go into overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a payment via check which was cashed by the credit card company on XX/XX/2020 but never credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX Account Number- 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-10-11
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a US Bank XXXX XXXX XXXX XXXX card, which advertised {$500.00} in cash back after spending {$4500.00} in 6 months. I met the spend requirements in XX/XX/2023. 

However, I never received the cash back. I asked US Bank about this, and they said they needed 30 days to look into this. The 30 days passed, and still no cash back in my credit card 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 monetary relief
Consumer complaint received 2020-12-09
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect at XXXX XXXX XXXX XXXX XXXX, Wi has a negative balance of {$640.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company, This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX with new & updated information about my previous complaint XXXX. XXXX XXXX XXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath ) pursuant to 28 USC 1746. I am demanding that all reporting to all consumer reporting agencies- ( XXXX XXXX Equifax XXXX XXXX ) cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$570.00} from Creditor : NATIONAL CREDIT SYSTEMS, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
XXXX XXXX XXXX has listed the same account twice on all 3 of my credit reports. The alleged amount owed, account number, open date and other information is all identical. Its a violation of my rights under the FCRA for the same account to be listed multiple times

Company response to consumer: Closed with explanation