BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So basically my bill payment & invoice transfer was voided out and the funds was suppose to return to my Bank of America account and it still havent

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 2019-03-26
Company: Experian Information Solutions 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 have submitted disputes with Experian for unverified accounts on my credit report. My latest was on XX/XX/2019 via certified mail received response on XX/XX/2019. Stating that they will not re-investigate previously verified accounts without additional information provided by me. In my letter it clearly states 1 ) Provide proof that accounts are mine, i.e. original documents with signature. 2 ) Their method of verification and if they can not to delete these accounts per FCRA. XXXX  and XXXX   have deleted these accounts as they could not be verified. How is that Experian can verify these same accounts in 10 days? They can not they are just sending out generic letters hoping consumers will get discouraged or do not know their rights.

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 2022-12-17
Company: EQUIFAX, 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:
I recognized your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. Please this time remove the items that are inaccurate on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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-time requesting 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 items 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 items : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX 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/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2021-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, LLC purchased a debt from XXXXXXXX XXXX  via merchant XXXX XXXX and are now attempting to contact me via phone calls in regards to a collection account, which I've found on my recently acquired consumer credit reports. I do not owe anything to this debt collector and this collection account on my consumer credit report is unauthorized and in violation of my consumers rights [ TILA and FDCPA ], as well as purchasing any alleged debt from a alleged original creditor and not having my consent nor any authorization to do so. And with furnishing inaccurate and unauthorized information to the credit reporting agencies, and to make matters worse inaccuracies are throughout those three consumer credit reports and the one from XXXX has my social security number incorrect which constitutes fraud. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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:
The information on the following account reporting on my credit report does not belong to me this is a violation of my rights & is affecting business opportunities. 

Account : 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 2023-10-21
Company: EQUIFAX, INC.
State: TX
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:
I am writing to file a formal complaint regarding the numerous attempts I have made to have late open accounts to correct them from my credit report. Despite my persistent efforts to rectify this issue, these late open accounts continue to negatively impact my credit profile. 

I have attach my supporting documents, such as copies of dispute letters, responses from the creditors, as well as my DL, SSN, and POA. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open accounts remain on my credit report, impairing my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A thorough and immediate investigation into the late open accounts in question, including verification of the accuracy of the information with the creditors. 

If the accounts are found to be erroneous, the immediate correction of the late open accounts from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit report once the issue has been resolved. 

A detailed explanation of the actions taken during the investigation and the outcome. 

I urge you to address this complaint as a matter of urgency. Timely resolution of such issues is critical for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your assistance to correct the late open accounts : XX/XX/XXXX XXXX Balance : {$3000.00} ;XX/XX/XXXXXXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: JPMORGAN CHASE & CO.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX XXXXo file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/item which do not belong to me or was opened without my permission. I found that under section 605b ( a ) XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) JPMCB CARD XXXX Date Opened : XX/XX/2015 Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
I am writing to delete the following information on my file. the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete these items as soon as possible.

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 2019-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
on XX/XX/18 I purchased a used vehicle from XXXX XXXX XXXX. I was sold a 2017 XXXX XXXX. My purchase contract states that I purchased a vehicle with no additional warranty, even though I financed and paid several thousand dollars for my warranty. The company pressured me to roll in more onto the loan than the value of the car. My information on my disclosures and purchase contract does not align with any of the information or financing that was agreed to. The vehicle I was pressured to purchase now has been wrecked and not disclosed so I am filing a complaint with Indiana State for possible Dealer Fraud as I was also provided a XXXX XXXX free of any accidents and the car has substantial damage to it covered up prior to sale. This compilation of ineptitude, and conspiracy has me with a higher rate auto loan, a car only 3 months old that has massive damage to it and much extenuating costs associated with financing and auto ownership. I have given them multiple opportunities to buy back the vehicle or to simply repair the car and bring it to par. Their answer was to accuse me of fraud and of wrecking the car since purchase. It's a horrific situation and one that can not be fixed by me alone. My credit report equally shows they did not properly pay off my auto loan as is required by law.

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 2021-05-06
Company: Experian Information Solutions Inc.
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:
I filed a dispute with Experian in XX/XX/2021 concerning a bankruptcy that is inaccurately listed on my credit report. 

On XXXX XXXX, Experian responded to the dispute and advised it had been verified as accurate by their third party company XXXX. I was advised i would have to contact XXXX XXXX for a method of verification. 

I wrote a method of verification letter to XXXX XXXX, and they mailed me a letter back on XX/XX/2021 and they explained that they were unable to verify the bankruptcy and that they removed it from my consumer report, and provided me with a official letter. 

I also obtained a letter from the US Bankruptcy court, and they advised that they do not furnish bankruptcy information to the credit bureau nor do they respond to disputes. 

I contacted Experian and advised that I had a letter that confirmed their third party company was unable to verify the bankruptcy and it has been deleted. 

Experian has refused to remove this inaccurate information, and keeps telling me that they get their bankruptcy information from the courthouse, which is not true. I uploaded my letters to their website to prove the information must be removed and they will not comply. 

Everytime i call for a supervisor, i am told someone will callback and they never do, and they continue to place me on extended holds for over 30 minutes and never return to the phone. 

Experian is in violation of the FCRA and I wish to file a complaint

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 2023-10-24
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I for some reason do not have a credit score with Equifax and XXXX. I do have a credit score with XXXX. I have been trying to establish credit with Equifax and XXXXXXXX however, there has been too much back and forth at this point and they have not been able to assist. 

I have sent my information twice now to each Equifax and XXXX 

With TXXXX I have sent my information both times by mail. Apparently, the 1st time I sent it, it was not enough information even though I sent what they asked for. So, I sent everything again including new additional documents through certified mail, and am waiting now. 

With Equifax, I have sent my information through fax and have confirmation of delivery however after waiting 8 business days after Equifax received the files ( which by the way, they said they need 3-5 days ), they have no record of the file. Customer Service assumed that it was because the files were not readable and asked me to resend the information again. Equifax also does not have any notes to prove that the file was not readable. So, I sent everything again through certified mail and am waiting now. However, I am very concerned that the same exact thing will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, approximately at XXXX a number of transactions occurred in my CashApp account which all of the money in that CashApp account was stolen out of the account and then additional money, via CashApp, out of my XXXX account. 

A total of {$8900.00} was taken. There were seven transactions that appeared as if I was paying persons or refunding those persons money. The transactions are as follows : {$1000.00} XXXX XXXX {$760.00} XXXX XXXX {$980.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX XXXX I filed a police report with the XXXX XXXX Maryland Police Department. Police Report # XXXX. However, XXXX has closed my case since they claim to not have enough information. Also, CashApp has issued a temporary refund, however they have will not give me access to the account to withdraw the funds. I have made several attempts to contact CashApp, however they keep responding with emails that do not address my problem. 

I fear that CashApp has permanently closed my account and will never refund my money. Meanwhile, XXXX allowed unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2019 I had a provisional credit added to my account I didnt use. Apparently it was I had no idea and the fraud check was reversed not in my favor and it was taken from my account on XX/XX/2019. I was told funds were taken out of the account at this time which I didnt use. XX/XX/2019 my account was closed with {$1700.00} still owed. I would like my account to fixed I was young and didnt handle it because I didnt know how. I had sent in a complaint earlier didnt know how to respond with the information you needed because there was no return address. I have my account number and I have statements being mailed to my home I currently only have 1 statement as of right now. I dont want any money back I just my account to be back to {$0.00} and closed officially.

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 2021-10-08
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NATIONWIDE RECOVERY SYSTEMS HAS FRAUDULENTLY AND ILLEGALLY PLACED AN ODIOUS DEBT ON MY CREDIT REPORTS. 

THEY NEVER SENT ME A LETTER AS REQUIRED BY LAW INDICATING THAT I WAS LEGALLY OBLIGATED TO PAY THEM ANY DEBT! IF THEY HAD SENT SUCH A LETTER AS REQUIRED BY LAW I WOULD HAVE PROMPTLY RESPONDED THUSLY ; To : NATIONWIDE RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account.

Proof that you are licensed to collect debt in the state of Georgia.

Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,

Company response to consumer: Closed with explanation