BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report to apply for a mortgage loan, and discovered many hard inquiries on my report. These are the inquiries that are errors in my report : XXXX XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/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 2019-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/XXXX the balance on my Bank of America credit care account was {$8800.00} and regular monthly statements were being received at my address. 

In two separate transactions dated XX/XX/XXXX and XX/XX/XXXX the amounts of {$6200.00} and {$2000.00} were charged to the account as online banking advance to. The statement ultimately obtained from Bank of America provided no information as to whether such advances were by check or by wire, who obtained the advances, or any addresses or banks to which they were paid. Further, at no time did any person at Bank of America contact me to confirm the transactions. 

Shortly thereafter, though not noticed until XX/XX/XXXX, monthly statements from the Bank of America account stopped coming to my address. The XX/XX/XXXX statement was addressed to XXXX XXXX XXXX, XXXX, NC XXXX and the XX/XX/XXXX and subsequent statements were addressed to XXXX XXXX XXXX, XXXX, Nevada XXXX. The statements sent to XXXX continued through XX/XX/XXXX, when I discovered the fraud and contacted Bank of America by phone. I have never lived in XXXX or XXXX. 

Bank of America personnel acknowledged the claim by letter dated XX/XX/XXXX, but refused to give met any information about the bank accounts to which the moneys were directed or copies of the change of address communications instigated by the defrauder. Then, by unsigned letters dated XX/XX/XXXX and XX/XX/XXXX, Bank of America denied my claim, reinstating the fraudulent transactions and the bank charges that accompanied them. 

A letter sent by my attorney to the Bank of America legal division on XX/XX/XXXX has still not been answered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, my name is XXXX XXXX and, This third party company racked up a new debt against me after they garnished everything they never closed the debt, it was removed from my credit report also after it was paid now they are saying I Owe them a new debt of XXXX $ this is wrong they already took everything. The company is Kimball, Tirey & St.Johns LLP. Im single mother of XXXX, and Im struggling they knew this and they are taking advantage of my Situation. Please if theres any way to resolve this my email is XXXX I would like to put an end to this best for once and all. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( XXXX XXXXXXXX, Wells Fargo, and XXXX XXXX XXXX XXXX - sent to the XXXX XXXX XXXX for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( XXXX XXXX, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to Wells Fargo XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXX XXXX XXXX XXXX student at XXXX University ( online ).

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 2022-12-12
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
By consumer law, the company doesnt have my permission to report this on my profile Without my written permission 15 U.S. Code 6802 A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing I was a victim of identity theft and had already filed a police report and have sent all the credit bureau and proved more then once all physical evidence leading to my identity theft My mom and her current husband was the one who committed the crime and are being investigated, Social security welfare is involved I wrote a letter to irs trade commission also I did not open this account nor agreed to make payments My personal information was misused by my parents and Ive proved this over and over again, and my law as the consumer is not being met at all Idk how something is verified when its the thief who had my information, making accounts and making the necessary phone calls to cover their tracks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
Over the past six months, I have mailed various letters to the credit bureaus in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate account reported on my credit profile. I have asked the bureaus, TransUnion and XXXX, to verify the validity of this account, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureaus. The account that is inaccurately being reported is a XXXX XXXX credit card account that reflects 120-150 days past due on my credit profile by TransUnion and XXXX. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2022-10-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My Equifax disputed accounts are sent back as verified and are entirely inaccurate, incomplete and represent very serious errors in their reporting. Company is in violation of 15 U.S.C. 1681. XXXX required under the FCRA to have properly verified the accuracy of accounts listed on my credit report with physical documents. Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that Equifax cant just verify my accounts by telling me they are verified. Nor can Equifax verify my accounts by telling me to contact the creditor of the accounts I disputed as Verified. This means that IF Equifax cant send me proof of these accounts from THEIR COMPANY, it must come off. All in all, Equifax has ignored my request to provided me with the documents that it has in their files that Equifax used to verify the disputed accounts which means that Equifax have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to ... promptly delete all information which can not be verified. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section XXXX. Equifax fails to comply with federal regulations by credit reporting agencies. Equifax is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sure, here is the letter recrafted to the Federal Trade Commission ( FTC ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX To whom it may concern : I am writing to dispute a 60-day late payment on my credit report that is being reported by Experian. The late payment is for a XXXX XXXX XXXX credit card account with the account number XXXX. The date of the late payment is XX/XX/2023. 

I believe that this late payment is inaccurate because I made the payment on time. I have attached a copy of my payment receipt as evidence. 

I am requesting that you investigate this matter and help me to get the late payment removed from my credit report. I am entitled to do this under Section 15 611 of the Fair Credit Reporting Act ( FCRA ). 

I would appreciate it if you could investigate this matter and help me to get the late payment removed from my credit report within 30 days. If I do not hear from you within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-01-19
Company: EQUIFAX, 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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In XXXX XXXX I received an email from XXXX ( XXXX ) indicating that I needed to move from an individual account to a brokerage account due to VG changing platforms and there was a fee to stay on the old one. 

I called and moved my account. 

I was told that I had to de-activate both my check writing and direct deposit ( DD ) but if I called back in a couple days after the transfer was finished processing they would re-activate both the DD and the check writing over the phone. 

I called back a few days later. I was told that instead of having XXXX re-activate my DD that I had to set it up again with my employer. I was also told how to go online to update the check writing and theyd update it on their end too. 

I was given the information for my direct deposit to provide to my employer ( XXXX ). ( It turns out it was the wrong information ). 

I re-set up my DD with my employer using the information provided by XXXX  and my next paycheck that was sent from XXXX had to be manually routed as a courtesy due to the incorrect DD information on it. Note : My paycheck gets sent from XXXX to XXXX XXXX ( XXXX ) to JP Morgan ( JPM ) to XXXX. 

I called XXXX again. I was then provided with the correct DD information and I worked with my employer to fix my DD information on their end. 

In the meantime, another paycheck ( my XX/XX/XXXX pay ) was sent with the wrong DD information. This one was then clawed back and resent via wire on XX/XX/XXXX. However, it still had the wrong DD information on it and is currently nowhere to be found. XXXX has the trace number for it being sent to JPM. 

XXXX has asked XXXX to claw it back from JPM again. 
JPM has not responded. 
I've spoken with numerous people at XXXX and they've confirmed with the Money Movement Team that they never received the money from JPM. 

Since I don't actually have an account with JPM they won't provide me with any information and said we should just ask XXXX to ask XXXX to send a service message to JPM to have the money returned. My company has done this and XXXX has not received any response from JPM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: FL
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 think the CFPB needs to be aware that credit reporting agencies ( XXXX & Experian ) are having very serious issues. I just looked at my credit report with Experian and it shows all zeros ( last week I was fine ). I should show a credit reporting history that dates back over thirty years which is what the two other agencies show. My husband pulled his credit report with XXXX  last week and it also had all zeros listed. When you try to obtain a free report, the agencies are unable to provide you one because you do not exist. You have to pay for a report and then send a dispute through the U.S. mail. The issues that both of us encountered with these reporting agencies have caused each of us a 60 point drop in our credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these companies to run my credit

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 2023-02-15
Company: WELLS FARGO & COMPANY
State: NV
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:
Wells Fargo is involved in a class action lawsuit pertaining to fraudulent car loans, or practices. I had a Wells Fargo car loan between XXXX. I was forced into XXXX insurance in order for Wells Fargo to approve the car loan. I never received any money back when my car was deemed totaled.

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 2023-04-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is an account for Comenity Bank/Express showing up on my credit report. I have no knowledge of this account, and never opened a charge card. My personal information has been breached multiple times, and my credit has suffered. 

Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I have a withdrawal of {$390.00} for a purchase on XXXX that I did not make, dated XXXX/XXXX/2022. 
I have been trying since that date to get my money back because my bank information was stolen but the Bank told me many times that my complaint is still pending verification. Ive changed my account 3 times and finally I asked to deactivate my credit card. My banking information has been stolen and I reported it from day one.

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 2023-04-24
Company: EQUIFAX, 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:
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, please correct 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2022 Someone opened a Bank of America credit card account in my name from California. I called FTC and reported this and sent report to XXXX they notified all other credit companies. Have sent in forms to Bank Of America and got no response. They were supposed to send me a hard copy of the report and what was going on to fix this.

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 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

Company response to consumer: Closed with explanation