BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX, XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SIM card swap fraud stole XXXX from my Bank of America account using XXXX. Been corresponding non stop with Bank of America who initially denied the transaction as fraud due tot he fact that we use XXXX and that XXXX uses a phone confirmation to approve the transaction. After multiple calls and visits to the XXXX store that I purchased my new phone from ( who I believe is responsible for stealing the money bc the guy told me there was no SIM card in my old phone and like a buffoon, bc I knew there was, I just let him keep it ) found out during the time the money was transferred, there was a sim swap from my new phone to my old phone. Long story longer, I resubmitted the fraud claim with Bank of America as they instructed by faxing over the sim swap fraud info from XXXX and whatever else they asked for. They received the info and said We should have a response between XX/XX/XXXX and XX/XX/XXXX. I did call them multiple times within this time period to try to get updates, at which time they told me there was no way to connect with the part of the company that manages these issues as there are no phone numbers to reach them. A couple times the customer service person was able to connect with this part of the company and confirm they in fact has my info and were working on it ( I guess ). XXXX has come and gone and still nothing. Ive called several times since XX/XX/XXXX and was told various things ; weve done our part and are Now waiting for the recipients bank ( XXXX XXXX ) to investigate it and try To get your money back and also, we have no way of finding out where in the investigation they are. They will get back to you once its settled. So this is multi layered and very upsetting. The local police dept cant do anything bc they just dont have the capacity to investigate these things ( although I did file a police report ). The police dept in the town that the XXXX store is in says to wait until my money is returned before I file a report so not to impede upon us getting our money back. The XXXX guy who stole from me ( I have more details about how obvious this is ) and bank Of America giving me the run around about getting me my money back. I need help. Its super frustrating and upsetting that I was stolen from ( and a healthy amount of money at that ) and i feel helpless and like I am the person that did something wrong. Its so upsetting

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 2023-06-02
Company: DISCOVER BANK
State: CA
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 creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a credit may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Robinhood banned my account and refuse to release my funds. They are holding the remaining {$0.00} I have in their hostage, claiming that the funds are illegitimate as an excuse to keep the money. How can selling an XXXX stock be illegitimate when you have the contracts right in your face? They're breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
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 fourth 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 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 XXXX

Company response to consumer: In progress
Consumer complaint received 2022-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/11, I was called by a scammer who acted as an immigration officer. He went through the law and said that I was gon na be detained If I don't send money for an immigration hold. I was afraid, and I sent the money through XXXX. I sent XXXX payments to XXXX ( XXXX ), {$1200.00} and {$790.00}. I was also asked to send {$2000.00} to XXXX ( XXXX ), although it was declined. The bank has told me to contact XXXX, and I have talked to XXXX, who've opened up an investigation which will take 45 days.

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 2020-06-10
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I purchased a Western Union money order from XXXX ' grocery store in the amount of {$320.00} to mail to XXXX XXXX XXXX XXXX. I filled the money order out completely on its face and mailed it through the U.S post office. On or about XX/XX/XXXX, I received notification from XXXX XXXX XXXX XXXX that, they had not received my payment. After investigating the information I learned that my money order had been frauduently cashed on XX/XX/XXXX at an unknown location. I contacted Western Union again and requested to file a fraud report. I was told that I had to complete a fraud request in writing and send {$15.00}. On XX/XX/XXXX I completed a written request and sent the {$15.00}. As of XX/XX/XXXX I have yet to receive any information as to the status of my claim. I have called Western Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To get an update or to request additional information to provide to the local Detective whose been assigned to the case. I've attempted to get either the name of the person who cashed the money order or the bank name and branch where the money order was cashed at on XX/XX/XXXX. Western Union has disregarded my request by doing the following ; place me on hold for long periods of time 52 mins., or state you will receive a letter in the mail with the name of the bank soon, or I can not provide you any information at this time, or they just hang the phone up in my ear. I would like Western Union full cooperation in assisting me with information to move forward with this fraud case and provide me a full refund plus interest on my money order within 30 days of my complaint.Also, Western Union should be required to handled money order thefts that consist of fraud within a reasonable amount of time, and should be required by law to provide the victim of fraud access to the necessary documents so that the victim can proceed with making timely police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: VA
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX and XXXX XXXX are not my acount and have been reporting over 7 years. I never had these accounts. My parents passed away during this time and i wasnt working. How could I get a credit card? I reported ove 100 ftc reports the.banks are ignoring me. This is against my fair rights. They are threatening me. They both said my credit will continue to me ruined until I pay them. Its not there problem This account was closed on XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$820.00} Reported balance Credit limit {$500.00} You're using 165 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} Opened PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$820.00} Worst payment status No Info This account was closed on XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$930.00} Reported balance Credit limit {$700.00} You're using 134 % of your account 's limit OVERVIEW Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$930.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor  XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-06-02
Company: Rausch Sturm LLP
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received copy of Certificate of Service of Plaintiffs Post-Judgement Discovery Request to Defendant, filed in a MD District Court, without my prior knowledge of this or any previous judgements. This company appears to have deceptively and /or falsely filed court papers, in an attempt to extort or obtain money through questionable legal maneuvers for a long-expired debt ( 10+ years, as I can best tell ). This notice was sent in plain white envelope with nothing outside to indicate it contained a legal document or any proof of delivery required, appearing to be just a random piece of mail. This seems to be part of the companys tactics, so that important documents go unnoticed and/or not received at all, giving them justification to proceed with additional court filings, which are dubious if not deceptive. They have also reported to the court of serving such legal papers which were never received.

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 2017-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX 2017 my card was declined at XXXX XXXX. My account had well over {$200.00} in it. I phoned Bank of America to find out why my card had declined. The rep from Bank of America went over the transactions. I explained to the rep ( 4 ) of the charges were not mine. XXXX {$150.00} & {$76.00} and XXXX XXXX and XXXX charges all made on XXXX XXXX. I filed an online report with the XXXX City Police Department as well. XXXX responded two day later stating that I had to file a XXXX Co report where the charges took place.XXXX Co. referred me back to XXXX City because of the complaint against XXXX XXXX. I called back to the police department after Bank of America 's decision and I was told the report had to be place in person and not on site. Just a heads up - I used my card at XXXX XXXX drive thru on XXXX XXXX. The young lady held my card a little longer than normal in the drive thru. That Tuesday when I revisit XXXX 's the same young lady was fried on XXXX XXXX. For the same issue reported as mine. The problem is 1 ). I called Bank of America to dispute the charges immediately.On XXXX XXXX a rep from Bank of America called asking me about a statement I made in reference to the card being out of my possession. I explained if passing my card through the drive thru was out of my possession then I would have to say yes. By the end of the week I received a letter stating the claim had been closed. 2 ). I filed two police reports one online XXXX and one in person on XX/XX/2017. 3 ). Bank of America not once sent me or allowed me to fill out a claim form on paper. 4 ).  Bank of America automatically concluded that I made these changes with no explanation except no error was made and these charges were authorized basically calling me a liar. I followed what I thought was the right protocol. I 'm having a tough time with Bank of America, XXXX XXXX and even the police department. How could they possible come to a conclusion with no real facts? Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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. Kindly correct or delete the following items that I believe are inaccurate and harming my credit. 
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 XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-05-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I see a number of inquiries on my credit report for XXXX, Experian, and XXXX that I did not authorize in XXXX and XXXX. I keep getting frequent notices that my information was sold on the XXXX market. I need this inquiry to remove from the credit bureau.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: HI
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, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an 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 2023-03-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for a balance transfer with US Bank which I know exists. Soon after I was approved I began receiving emails ( from " U.S. Bank " XXXX ). I also received a telephone message. The message was from a " XXXX '' who identified himself as being from the fraud division. I was instructed to call back XXXX. I was to give the application # XXXX ( as I said I applied for a balance transfer ). I have never received any card. A recent email gave an XXXX number to call not an XXXX XXXX. Further, when I dialed the XXXX number I waited online for at least 30 minutes listening over and over again to a recording saying that I would soon be helped but I never spoke to a live person. When I checked the # using XXXX XXXX, the following came up : Scammers claim to be from US Bank complaint ( )... ( ( 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 Fraudster Complaints Finances Scammers claim to be from US Bank Complaint XXXX Fedup XXXX XXXX XXXX XXXX XXXX  United States They call saying that someone applied for a credit card in your name and they need to verify information, but don't be fooled, they only want to get your information. Comments 1 2 3 Next 0 -1 XXXX XXXX I need to know if this call is genuine and if I should return it again. 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 explanation