BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
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 status incorrect

Complaint:
I have medical bills that are incorrectly reporting negatively as unpaid medical bills to collections in less than a year. According to the Medical Debt Relief Act S.214 Section 3, no medical bills are to be reported as collections to credit report within 1 year. 
The following negative marks are damaging my credit : XXXX XXXXXXXX XXXX  XXXX XXXX reported XX/XX/22 Balance {$100.00} Please remove all incorrectly reported items as they violate FCRA 15 USC 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-25
Company: JPMORGAN CHASE & CO.
State: TN
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:
CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XXXX XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: National Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I continuously keep getting a call at my place of employment from a XXXX XXXX, I have asked him several times not to contact me at work and he continues to do so even going as far as calling my supervisor and leaving a message with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, To tell you that I have never received a notification of an outstanding debt from the pediatrician. 

I have received this bill without being aware of an outstanding debt. 


Please your support to be able to cancel this debt. 

Thanks.

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 2015-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, I deposited {$1900.00} cash, at the ATM drive through located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, for which I did receive a receipt of the transaction and later discarded. On XX/XX/2019 upon accessing my account via mobile app. I identified that the transaction I made on the night of Fri. XX/XX/XXXX, didn't reflect on my account. After several failed attempts of speaking with a live banker at the mentioned location, I contacted BOA Customer Service and filed a complaint # XXXX, informing them of the above. I went to the extent of informing the agent that when I attempted to use the 1st ATM, it stated it was not accepting deposits therefore having to use the front ATM. Today, I received a notification stating that the claim was closed and while they were successful in locating the transaction, they could not locate the cash for this transaction. As a result the monies I was credited ( {$1900.00} ) will be taken from my account. This is absolutely unacceptable and needs further investigation i.e. video footage, copies of transactions during the time of my deposit etc. I've made many deposits at this bank location in similar amounts without incident. This is one error that can not be overlooked. Please assist with further investigation as this is a major error on BOA behalf. Regards

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 2023-05-03
Company: DFC Global Corp.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that a new collection account was added to my XXXX and XXXX credit reports. The company, XXXXXXXX XXXX XXXXXXXX XXXX, listed a debt owed, for original creditor, MONEY MART. 
The issues here are, this account has dropped my credit score. I was not made aware of the debt. I was not provided with formal communication ; a written letter explaining what the debt is for and my rights to dispute and or request debt validation. As according to the FDCPA. 
This account was added on XXXX XXXX. I received nothing in prior months from either company associated with this debt. I have lived at the same address for three years. It is apparent, no attempts were made, in order to verify or justify any of what was reported to the bureaus listed. 

I have had many issues in the past, with accounts being opened with my information, as my wallet, that included driver 's license, checkbook, social security card, and children 's social security card, was stolen at a gas station. There has been a police report on file with all three bureaus. I will not admit to a debt that I has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX account number XXXX.This account is listed on my report as last payment made XX/XX/XXXX, that 's incorrect my last payment was XX/XX/XXXX.XXXX fail to validate this account and my name is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
They have refused a check from the state HAF program. For my past due amounts and now, as of XX/XX/2022. They have suspended a check or canceled a payment for the Program as sent on XXXX for the amount of XXXX. 
I have called both the HAF program and the mortgage company and have received XXXX different answers about my past due and current payments I have been approved for XXXX months of mortgage payments. The payment was excepted in XXXX and 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 2018-11-22
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 am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I have frozen my three accounts in the aftermath of the data breach at XXXX in 2017. Since then, both XXXX and Experian have made it really complicated to lift freeze every time I need to. XXXX has a simple online system but Experian and XXXX nominally claim only that they allow such lift online. When I log in and enter my pin, the system tells me without detail that it doesn't work. No phone number to call. I reached out to Experian today through their online chat and was given a number with a series of steps to talk to a customer representative who immediately lifted my freeze in a few steps. This showed that my pins worked. When I tried to log in on my XXXX account, I had the same issue. I called but couldn't find an option to lift my credit freeze.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX OHIO ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX SELF-REPORTED XXXX Balance : {$5.00} ; XXXX SELF-REPORTED XXXX Balance : {$330.00} ; UTILITY  SELF-REPORTED XXXX Balance : {$92.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2020-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I already reported on Bank of America but this app on mobile would not get me to the previous compliant nbr to add the attachments. It is so limited or too restrictive. So it is same company I am complaining about. I add the proofs of never being late with Bank of America until this month, XX/XX/2019. 
BOA suspended my credit card as an emergency card/fund. They shld not suspend but to report to credit bureau of being late AND charge fee at only one time which is XXXX Not previous months. BOA also charged me a several more on late charges.

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 2023-07-07
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was the victim of identity theft and when they got my card number and went on a shopping spree, Direct Express did Not catch it. When I did catch it they had stolen XXXX dollars so far! When I filed a claim with Direct Express I was told that they did a THOROUGH investigation and found that the charges were fine. That they were authorized! There's No Way that I had anything to do with those charges! It was Very Obvious that someone named XXXX on XXXX was the one that was stealing from me! He sent himself and his wife money to their XXXX accounts and their phone number is right there! Any XXXX could see that they were the ones spending my money! But yet Direct Express is telling me that they can't find anything wrong! Well what's to stop them from doing it again?!!! I have filed reports with the FTC and the Cyber Crime Department already and will be filing with both the Texas Attorney General and the California Attorney General. Direct Express is REFUSING to Reimburse MY Money that THEY Let someone STEAL from Me!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
FNB has charged me {$110.00} for Returned Item Fees for 2 attempted transfers. 

1 ) I tried to transfer my checking account balance of {$400.00} to another bank. FNBs website allowed the transfer of my full balance, but then tacked on a {$0.00} fee, which resulted in a {$0.00} overage and a Returned Item Fee of {$37.00}. 

2 ) With my account showing the transfer failed, but not showing the {$37.00} fee, I had a balance of {$400.00} again. I tried to transfer this balance to my brokerage. FNB hit me with another {$74.00} Returned Item Fee because my account balance was only {$360.00} when the website stated {$400.00}. 

3 ) I have tried twice now to contact customer support via Chat. Each time, I am told I will receive a call back once customer support reviews the problem. I have never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023, I submitted a letter disputing two collection accounts. 

On XX/XX/2023, I submitted a demand letter requesting removal since the XXXX had not verified and or removed the collections. 

See attached.

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 2016-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax continues to report a bankruptcy that is not mine - I did not file this bankruptcy, I did not hire an attorney to do so, I did not authorize anyone to file this in the bankruptcy court. I have complained against them previously with your organization as well as the attorney general for CA, the XXXX and the FTC. Someone filed this and it was not me. I also provided the proof to them that I was n't even IN THE COUNTRY from XX/XX/XXXX to XX/XX/XXXX, so how could i have possibly filed this??? I have the border stamps to prove this, which I did send to them. 

In addition, I was able to get XXXX to remove this because IT DOES N'T BELONG TO ME, so how are they keeping this on there, when I provided the proof that those are not my signatures on the bankruptcy paperwork? I provided everything that they need. I WILL take them to court if they do n't remove this, but I 'm giving them the chance to save themselves some money. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences in the signatures on the petition which do not belong to me. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. These prove that I was not in the country not only on said dates of filing, but out of the country that entire year. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy must be blocked and removed pursuant to section 605B of the FCRA. I did not initiate, agree to, sign for, file or have anything to do with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and discarded from erroneous reporting in my file are listed on my credit report. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I, XXXX XXXX, entered into a consumer credit transaction with WELLS FARGO AUTO on XX/XX/2021. Not only did the company give me false and deceptive forms, they failed to assure a meaningful disclosure of credit terms. According to the congressional findings of 15 USC 1601, I, the consumer/natural person, am protected against inaccurate and unfair credit billing and credit card practices. Congress also found that there has been a recent trend toward leasing automobiles for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. My contract does not say anything about my right to rescind. On XX/XX/2021, I mailed WELLS FARGO AUTO an Affidavit of Truth, Cease and Desist, and my right of rescission paperwork. By law, the company has 20 days to respond. Today makes the 20th day because they received my certified mail on XX/XX/2021 at XXXX XXXX A gentleman by the name of XXXX called but I had contracted COVID and didnt feel too good when he called. I havent heard from them since. Whenever I try to call them back, a representative says someone will call me back. I just want what is lawfully owed to me. I have security interest that secured ALL obligations, meaning the car was paid for when I signed for it. The Truth in Lending Act informed me of all of this fraudulent activity.

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 2016-02-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Requested that Equifax provide proof of how they verified the following accounts for accuracy : 1. XXXX.-Account # XXXX ... 
2.XXXXAccount # : XXXX ... 
Please provide the proof that has been requested several times and never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are XXXX addresses in my credit report. Only the XXXX is correct. The others XXXX are not mine. The XXXX address was of my son XXXX. The post office number I never had in XXXX.

Company response to consumer: Closed with explanation