BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XX/XX/XXXX I recieved a 1099 in the mail it stateted that my XXXX claim was XXXX dollars I did apply for Unemployment but I never received anything after applying I tried calling the Unemployment office but I could never get through.Long story short someone stole my information and received my debit card through Bank of America and used all my funds.There was one account with many extra cards ordered so when I called BOA they set me up with 2 claims one for XXXX & a second one for XXXX dollars.I have made 2 police reports I reported my identity theft to the FBI, FCC MY Attorney General EVEN the Unemployment office has recognized this theft as fraud.BOA DID APPROVE THE XXXX But they keep saying I gave someone permission to use my funds.They are punishing me for there mistakes on XXXX XXXX tjey denied my claim again I am at a lost I have been speaking with a Attorney and I also will be calling my local news for vindacation on this matter .It is there fault they gave my money to som6else and they can not even give me a explanation they sent the documents they used to deny my claim and all it is is the account statement from XX/XX/XXXX till XX/XX/XXXX it makes no sense they are the same ki d of transactions from the XXXX dollar claim.BoA has a zero fraud liability that is there policy and instead of doing there job and finding out who the thief is that stole my identity/Unemployment I think it is easier for them to just deny the claim instead of doing there job.I have documentation and proof of filling the police reports EDD recongnizing this as fraud I do not understand why BOA is doing this to me.I am at a standstill and I want what is mine I want my money they are punishing me for making mistakes.I will not stop until I get what is mine Banks should not be able to steal our money.

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 2021-10-19
Company: Social Finance, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
my mom was resaving money from ssa and I didn't find out until XXXX or late XXXX when they call me by mistake they sent me 3 or 4 check i dint know what it was for I didn't ask because I need the money at the time for me and my baby girl so i had it switched to my boyfriend name four months later i get a call saying to come in to the office they mail me a later with the address and everything on it so I went and they said that they was going to stop sending the money and that it had to be paid back so i was thinking that the three or four check had to be paid back but they told us in a latter that it was XXXX and i never resaved all that money I was living with my god father and mother when all of this had accord and after i got done with school i went to live in Kentucky in late XXXX early XXXX came back got my own places and got a job now i have XXXX kids and it had to try to save money for my kids and get them the stuff that they need when this money didn't all come to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2021-09-03
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:
I have a hard inquiry that is fraudulent and I would like it to be removed from my credit report. The inquiry is dated XXXX and it is from Equifax Mtg.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX XXXX ACCOUNT # XXXX Balance 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 2018-10-30
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, On XX/XX/2018, I initiated a transfer through XXXX online in the amount of {$2700.00} ( {$2600.00} + XXXX fees ) to XXXX XXXX in XXXX, Canada through electronic payment from my bank account. On XX/XX/2018 ( next day ), XXXX notified me that transfer could not go through for security reasons and transaction would be cancelled. An email confirmation of cancellation was dated XX/XX/2018 was sent by XXXX. Since the funds were not deducted yet on my bank account, and to avoid having the money deducted from my account erroneously, and waiting for a refund to take place later, I placed stop payment orders with my bank for XXXX On XX/XX/2018, I received a notification from my bank that they stopped the payment on XX/XX/2018, which I assume was a late processing by XXXX website. On XX/XX/2018 I received a debt collection notice by mail from XXXX XXXX   XXXX XXXX XXXX notifying me that I still owe this transfer amount to XXXX. I contacted XXXX customer service on XX/XX/2018 and was notified that my transfer was cancelled since XX/XX/2018, and that they never referred me to a debt collection agency since my account is closed already. XXXX advised me to never pay XXXX XXXX XXXX as it is a scam. I believe I am a victim of fraud here by this collection agency, and I am concerned that they might further hurt my credit or chase me to collect this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-06-22
Company: Experian Information Solutions 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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2021-08-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
SYNCB/VENMO XX/XX/2021 : I didn't request this inquiry. I called to Synchrony Bank Customer Service and their representative told me he didn't know who to transfer my call. 

SYNCB/VERIZON : I didn't request this inquiry. I already reported this inquiry as a fraud to Verizon, but it still appears on my XXXX XXXX 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 2022-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX, PA, XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}

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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Two hard inquiries by XXXX from XX/XX/XXXX must be removed. I have two investigation letters from XXXX ( one dated XX/XX/XXXX and another dated XX/XX/XXXX ) requesting TransUnion ( and the other 3 reporting agencies ) REMOVE the duplicate hard inquiries on XXXX XXXX. TransUnion has yet to REMOVE them, and it is XX/XX/XXXX and my credit rating suffers : I am in the midst of refinancing and will pay a HIGHER interest rate if these TWO hard inquiries are not removed. 

On XX/XX/XXXX either Trans Union of XXXX XXXX XXXX ( XXXX ) entered TWO identical hard inquiries onto my credit report. Neither admits fault. I contacted both Trans Union and XXXX. XXXX investigated and asked via letter that all four agencies remove the inquiries on XX/XX/XXXX. TransUnion has not. They shift blame to XXXX. I contacted XXXX again & they offered to send another letter which I received last week. I have tried on TransUnion 's web site and contacted them via phone but neither has been successful. I can not dispute a hard inquiry on their web site & tried to do so by explaining it using an 'account ' dispute but they simply disregarded my explanation & closed my request. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-18
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collections account in the amount of {$1600.00} from XXXX XXXX. I have no recollection about this account nor have I ever had a account with XXXX XXXX or ever purchased any electronics or wireless devices from XXXX. I have brrn a loyal member with XXXX XXXX for over 7 to 10 years. I have been a victim of identity theft and fraud and my information has been reported to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citi bank closed our account and is saying i need to wait 30-60 days before getting my funds back. this is all the money i have.

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 2023-09-08
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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
Consumer complaint received 2023-07-28
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on 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 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 2022-07-21
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: Information belongs to someone else

Complaint:
I am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2015 XXXX  XXXX Balance Owed : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I checked my XXXX credit report and noticed a collection from XXXX XXXX XXXX was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company Dynamic Recovery Solution. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have disputed this account that is not mine several times. XXXX keeps stating they verified through XXXX which is incorrect I have my report from XXXX and this is not on there I even have letter from XXXX XXXX  stating they sent correspondence to XXXX to remove said item

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 2023-05-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity fraud. Someone have used my personal information to open several accounts including this particular account. I reside in New Jersey and someone attempted to lease an apartment with my information in Texas which left a debt of {$120.00} resulting it to place on my credit report. This has cause major problems for me. Ive received collection letters but they were not addressed to the right address instead its an address to houses away which should become obvious that this is not my account. Ive also disputed this matter several times leading to no results besides still asking me to pay this debt.

Company response to consumer: Closed with explanation