BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a XXXX XXXX I came home after 6weeks of being on an assignment. I was going through my mail and I had letters from XXXX XXXX, XXXX XXXX, Bank of America all advising me of my status in attempts to open new accounts. I have NOT at anytime attempted to open accounts with ANY of these banks. XXXX XXXX  declined the attempt, XXXX XXXX bank required in person Identity due to the " Patriots act '' and Bank Of America opened the account and even sent a bank ATM card to my address with instructions for activation. There was a balance established in the amount of {$600.00} on the Bank of America account. It also sounded like paper checks were issued but that did not come to my mailbox like the ATM card did. I tried to contact them but they would not even talk to me unless I gave them my social security number. I am terrified that my credit is going to be damaged or impacted in a bad way. Someone is trying to steal my identity. My personal bank is XXXX XXXX XXXXXXXX XXXX. And I have contacted them. They told me about the federal trade commission. Please help me. I work too hard and have struggled to much to have some evil person rip it all out from under me with fraud and Identify theft. I attempted to upload documents but your site would not let me upload my documents. Thank you very much, 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 explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: NC
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, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-10
Company: Experian Information Solutions Inc.
State: IL
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 these following companies has violated my rights. 

15 U.S.C 1681 section 602 A States I have a right to privacy.

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

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 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

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 I send XXXX XXXX a certified letter requesting validation because XXXX XXXX keep reporting inaccurate information on my credit reports with Trans Union, XXXX  and XXXX. 
I demand validation, instead XXXX XXXX sent me a letter stating it acted as validation. 

All three credit agencies keep allowing this inaccuracy. Simply not demanding the correct documents from XXXX XXXX thats allowing them to hinder my credit maliciously by reporting inaccurately that I owe 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 2023-11-01
Company: EQUIFAX, INC.
State: NY
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 consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, Equifax and XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: American Student Assistance
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After looking over my credit reports. I realize that this company American Student Assistance is reporting this debt on my credit report. This debt is defaming my character, ruining my life, ruining my credit profile, they are harrassing me which is a violation according 15 USC 1692 a.b.c.d. I have attached my SSC AND ID

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 2020-11-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, my brother wired two wire transfers from a bank in XXXX to my HSBC bank in the United States. The first was for $ XXXX which I received in my HSBC XXXX XXXX in the same day, while the second transfer for {$120000.00} has not been deposited in my account as of yet ( XX/XX/2020 ). 
After days of communication with my account representative and customer service at HSBC, they notified me on XX/XX/XXXX that the wired funds are in HSBC escrow account pending calcification from XXXX XXXX  which I have no account nor any contents. I was provided a case # US XXXX. I called XXXX XXXX wire transfer department they noted that this case # is not theirs and referred me back to HSBC.

It has been almost two weeks and I out of {$120000.00} and neither XXXX XXXX are of any assistance. We contacted the XXXX  XXXX  and they confirmed that the money is out of XXXX and at this point they have not control. 
I appreciate any assistance that you can help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: MI
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 am not the who initiated these inquiries. I DO NOT have any idea regarding these UNAUTHORIZED and FRAUDULENT inquiries on my credit report. They are NOT mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY STUDENT LOANS WERE ZEROED OUT AND PAID OFF FOUR MONTHS AGO. i HAVE SENT DOCUMENTATION TO BUREAUS YET XXXX KEEPS UPDATING AS ACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Bread Financial Holdings, Inc.
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:
I am writing, as instructed by the customer service rep who I spoke to at XXXX XXXX Credit Card ( Comenity Bank ), regarding erroneous credit reporting and confirmation of reversals of several fees that I incurred due to Comenity Bank charging me a {$2.00} finance charge on my credit account AFTER I paid off a {$270.00} balance to bring the account to paid in full. This {$2.00} finance charge continued to build late fees without my knowledge, until I received a credit report decrease notification of XXXX points due to this situation. The XXXX XXXX customer service rep agreed that it was Comenitys error to not apply my full balance prior to the finance charge of {$2.00} which was applied to my account AFTER I paid the balance to {$0.00}. Due to Comenitys error, I had all the fees reversed, which I am enclosing with this letter, and I am now requesting that you completely remove the XXXX and XX/XX/XXXX and 60 day missed/late payment reporting on this account to all 3 credit bureaus and report as paid on time for all months since I opened the account in XX/XX/2022, as this is not right and not fair, since I paid the balance in full before the next statement was issued. I need this done immediately as my credit has now been damaged because of this error. Comenity reversing all the fees and my balance showing as a CREDIT showing $ XXXX just further supports that this was Comenitys error.

Please respond asap after you have removed all delinquent reporting to all three credit bureaus.I have opened two disputes on this matter with XXXX, but all I get is that it has been " UPDATED '' but does not show the removal of the 30 and 60 day late reporting, which I need REMOVED from all three credit bureaus. I have perfect credit aside from this nonsense and I need it fixed ASAP. I have paid as agreed and to {$0.00} back in XXXX XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: OneMain Finance Corporation
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Hi, I have a couple of problems with this company. 
The first is that they refuse to remove optional insurance from my account and tell me to call them. I emailed them from my account of record. 
The second is that I spoke with a woman at that office a couple of months ago and asked her to stop automatically billing me and she said that she did, but I was charged again this month. They took money out of my account without my permission. 
My other issue is that they refuse to send me the policy that allowed them to charge my account without my permission. 
They keep telling me to call them and they called me after I asked them not to. 
I feel that in addition to refusing to service me and my loan, taking money from my account without permission, and calling me without permission, they are also trying to avoid giving me documents in writing. 
When I do speak with them on the phone it seems that they don't do what I ask and they waste a tremendous amount of time on the phone. They're very slow when you get on the phone with them and the calls drag on for a long time with every interaction. 
I have additional phone records and emails showing that I canceled automatic payments and requests no calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Monday XX/XX/2020 and XX/XX/XXXX and XXXX I have sent letters to the 3 credit reporting agencys informing them that information is reporting incorrect. Each time I tell them that the information is reporting inaccurate, they turn around and state that they where able to verify the account belongs to me. Im not challenging wheather or not the account belongs to me, Im challenging the inaccurate information they are reportinng which is againts the Fair Credit Reporting Act. 

XXXX  XXXX XXXX has never been late XXXX XXXX contains several inaccuracies. 
XXXX  XXXX XXXX XXXX also contains several inaccuracies.

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 2023-11-01
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought an apple gift card in the amount of {$500.00} but on getting home to redeem the card, it says it has been used by another customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was going to NY. to take care of some business from XXXX XXXX at the XXXX XXXX XXXX at XXXX XXXX XXXX NY. XXXX # XXXX confirmation # XXXX in which i booked through XXXX. On XX/XX/2020 i received a call from the hotel stating they had to relocated the guess in the hotel for that week to do some cleaning and i also email from XXXX XXXX  XXXX on XX/XX/2020 stating i was being relocated to another hotel. the XXXX XXXX XXXX in XXXX XXXX..once i arrived to the hotel the desk clerk took my credit card and charged me for the hotel stay.. not until I received my bill did I see that XXXX Charged my credit card for the prior hotel.. I called Capital One ( my credit card ) and explained what was told to me by the Hotel was closed for that week and I couldn't stay there.. Capital one gave me a phone number to call in which i did and got no one on the other line..I called them back and they gave me another number to call in which I did and that person gave me a Fax number to fax the documentation and the fax number never work. I again call the person back she gave me the same Fax number and again it never worked..the customer service rep.. states she could do no more than that.. i aske to speak to a Sup. and got the same info that did work..i then contacted the XXXX.. the hotel then contacted me by email confirming they were closed during that week and i had to speak to my Credit card company, XXXX  i contacted both and got no results..The Charges are still on my Credit Card Statement..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX California edition has a XXXX  on my credit that was opened in 2010 and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.

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 2021-01-12
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: Was not notified of investigation status or results

Complaint:
Back in XXXX of 2020 I filed disputes with all 3 credit bureau. As of today I have yet to received anything from any of them. Can you please tell WHY?. The law is 30 days and it been 4 months. I am confuse as to how it can take so long to send results. I have attached proof of the first disputes I filed.

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 2021-02-10
Company: Nevada Credico, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was placed with collection agency ( Quantum Collections ( XXXX ) XXXX ) for {$750.00} by XXXX XXXX XXXX XXXX ( XXXX ). This account was settled and paid in full directly to XXXX. Quantum Collections merged/was sold to XXXX XXXX XXXX ( XXXX ) XXXX ) and XXXX XXXX XXXX now shows the erroneous/paid off debt while Quantum is reporting the same, duplicated account. Phoned Quantum ( which is now XXXX XXXX ). They stated they were aware of the duplication of accounts reported and they are working to correct. I asked them to remove their accounts as they were duplicates and because I have settled/paid in full direct with creditor. They said I should call XXXX to correct.

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 2023-04-12
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the quick deletions of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Cascade CISS Holdings, LLC
State: DE
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:
Fraudulent Unauthorized credit inquiries on my credit reports, I tried to dispute it with the companies but not able to, its seem any bank or agencies can run a consumer report and no one seems to care about it. 

On my transunion report XX/XX/2023 by UNIVERSALCIS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Demanding that a borrow complete a recast form and pay a {$300.00} fee so that extra principal payments are properly reflected in the recording of monthly payments, i.e. a lower proportion of the payment goes to interest expense and more to principal, is fraud and theft and a violation of federal and state law. Credit card companies can only charge interest on the monthly outstanding balance, but NewRez continues to charge interest on principal balances that no longer exist because they have been paid off with extra principal payments. And NewRez makes every effort to avoid doing a recast with their customer service reps consistently stating on recorded lines that they do not know anything about recasts or even stating NewRez does not do them. Also, once a recast is requested, they take 90 days to complete it. 

I had a mortgage both on my home and raw land in the 1980 's and whenever I made an extra principal payment, the proportion of the monthly payment going to principal each month was immediately recomputed by computer and increased with no need to request a recast. Yes, even in the 1980 's, computers could easily do that. SO NEWREZ NOT DOING THIS IS A VERY BLATANT RIPOFF!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation