BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi good evening my name is XXXX XXXX XXXX I noticed a unauthorized transaction on XXXX XXXX Here it is on XXXX XXXX a fraudster hack my mobile carrier ( XXXX XXXX ) and port out my number without my knowledge and he used that phone number to login to my bank of America online banking and made a XXXX transfer of {$3500.00} without my knowledge. 
I reached out to my bank couple of times they are denied my request couple of times I checked my online bank activity, it clearly shows that my online banking was logged in from a different device I tried to pass this information to my bank but my bank is keep denied my request Can you please help me here, everything was done with out me knowing

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2024 Per the FCRA as a federally protected consumer I am now opting out of of any and all authorization I the consumer may have given written and unwritten, verbal and nonverbal per 15 usc 16802. It is illegal to report transaction history and per 16 cfr 433.2 and 16 cfr 433.3 states that you are not exempt from claims.

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 2022-04-14
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was fraud on my Wells Fargo account after XX/XX/2021 Ive filed the disputes for each transaction that was unauthorized and I also given the bank supporting evidence to provide me a provisional credit within the ten business days I was told my account would be provisional credited. At this point they are not trying to issue me a refund of XXXX back to my account my name is XXXX XXXX XXXX XXXX and this fraud token place in 2021 and I still havent received my reimbursement at all. So I would diligently appreciate if someone can help me receive my pain and suffering of this horrible predicament 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
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: Waypoint Resource Group, LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempted to dispute claim debt belongs to me several times. Price of debt decreased, increased, and decreased again. The information on the amount owed seems compromised

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 2023-02-17
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My family and I were heavily impacted by XXXX leaving me no other choice but to ask XXXX for help in 2022. 
Because our impacted was so bad on many levels we decided to consolidate to save our credit. XX/XX/2022 I started the clock for payoff, I requested the payoff from XXXX. The beginning XXXX I confirmed payoff again with XXXX and made them aware again of my XXXX problems. The last of XXXX, I sent a check for payoff to XXXX. 

But XXXX issued a late pay for XXXX month for the last payment. XXXX shows 30 days late for the month of XXXX. They would not provide covid protection for XXXX month rather they issued a late pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Despite numerous attempts to comply with Bank of America and not have our tenant 's security deposit escheated to the State of NJ, the account was escheated to the State of NJ and now we can't find it anywhere.

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 2021-05-08
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: Account status incorrect

Complaint:
There are items on my credit report that are violations of the Fair Credit Reporting Act that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent id Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I pulled my credit report and trying to see where in the process will I be for buying a house and I saw a lot of items that are not mine. I called all creditors and tried to get information and some I told them that these accounts are invalid due to fraud but they still did nothing and some I was unable to speak with. I am a victim of identity theft and have been since XXXX of XXXX. Someone gained my information due to me losing my purse and they took all my information such as ID Credit cards and Social. I have been trying to get this back right, but I have run out of options.

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 2019-08-28
Company: SUNTRUST BANKS, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sun-Trust Bank has freeze my checking account since the past 7 days due to some Cashier check I purchased with my credit card and authorized to them that I did purchase it with my funds, they still yet to open my account and has resulted me in great loss with my customers and business ethics. I need them to open my account and release my funds to me so I can assist clients who paid into my account for there jobs to be done. 


Regards 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 2018-03-07
Company: Conduent Incorporated
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/18 someone stole my XXXX XXXX card number and information from my XXXX XXXX account, they hacked into the XXXX XXXX and gotten my card information that was on file and made two unauthorized purchases with my card number. They made 2 purchases in the amount of {$90.00} and {$72.00} and attempted to ship it to themselves out in XXXX. Using my name and my information. I called XXXX XXXX but they kept giving me the run around. They transferred me over to the dispute department, unforturnally the line kept disconnecting on me due to high volume calls, making it difficult for me to dispute and get my money back. I don't have all this time to play with them, I need my money. I have bills to pay. I am tired of getting nothing done, they are not doing their job but transferring me and I am being cut of daily as I try to put in a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX  {$5.00} XX/XX/ XXXX  XXXX XXXX XXXX {$64.00} XX/XX/ XXXX XXXX  {$190.00} XX/XX/2XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/ To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692g - Validation of debts I DO NOT RECOGNIZE HOW THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT, I DON'T RECOGNIZE THE ACCOUNT NUMBER, I DON'T RECOGNIZE THE ACCOUNT STATUS, I DON'T RECOGNIZE THE ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENT ASSOCIATED WITH IT EVERYTHING REPORTED HERE DOES NOT MEET THE FCRA. ALSO ITS CANCELLED DEBIT THE COMPANY HAS FILED IT ON THEIR TAXES BUT THEY ARE ALSO REPORTING IT ON MY CREDIT REPORT AS DEBIT THE IRS MENTION THAT ITS CONSIDER AS ORDINARY INCOME A 1099C THAT MEAN ITS AN INACCURATE ACCOUNT THAT IS FURNISHED ON MY CREDIT REPORT AND I HAVE PROOF TO WHY IT SHOULD BE GONE ITS ( CANCELLED DEBIT ) THE IRS ALSO MENTION COMPANY WAS SUPPOSED TO SEND A 1099C FORM SO I CAN FILE THE ORDINARY INCOME THAT IS A VIOLATION 15 USC 1681eb it speaks on maximum accuracy of the consumer report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : 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 XXXXXXXX and 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 2023-02-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a recent graduate of university and was looking for my first entry level job. On XX/XX/XXXX, I received this job offer for a data entry position from someone calling themselves " XXXX XXXX '' from " XXXX XXXX XXXX '' that would let me work remotely and use equipment purchased by the company that had agreed to hire me. After a chat interview on XXXX I was told I was being given the job. I was told to wait for a check in the mail and to deposit it when it arrived. The check I received was for {$4900.00} and arrived on XX/XX/XXXX. On XX/XX/XXXX, I deposited the check. After being told to " wait for the check to clear after a day '' I was then to send XXXX XXXX payments On XX/XX/XXXX, to a person named XXXX XXXX whose XXXX email is XXXX. After that I was asked to withdraw {$2400.00} and send {$1100.00} of that via XXXX and the rest he requested be sent through XXXX. After asking me to deal in XXXX I immediately suspected fraud and searched online for answers. I was able to learn about this scam and stopped replying to the fraudster within the same day. I also immediately tried to stop the XXXX XXXX payments to no success. But I was able to stop the XXXX ( {$1100.00} ) to XXXX XXXX, from XXXX XXXX, Georgia XXXX. I was also NOT able to stop the XXXX ( {$1000.00} ) I had sent to XXXX XXXX whose XXXX email is XXXX. The entire time I believed I was only using the company 's funds for equipment, until I learned the check could still bounce and stopped contacting the individual through Zoom chat. I am a student and had very little money to begin with. I lost everything I had and the banks ( TD BankXXXX XXXX XXXX nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX we received notification that our tax collector. I made phone calls XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. On XXXX I spoke to an escalation manager by the name of XXXX and was instructed to forward copies of our bills and notices to him, after several attempts of emailing these items they were finally attached to the correct account. I was then told that a payment was sent on XX/XX/XXXX in the amount of {$1600.00} was mailed but not received by out tax collector. I have not received any proof of anything being paid or anything corrected. 

On XX/XX/XXXX I spoke to an escalation manager who informed me that the taxes have not yet been paid. I am hesitant to believe that this will be taken care of before my credit would be harmed on XX/XX/XXXX. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: SC
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I wrote Midland Funding a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX MI XXXX tracking number XXXX. XX/XX/XXXX Midland Funding received my request. It has been 31 days since I sent my request inquiry and I have NOT received any information back from this debt buyer. The specific information I was requesting was Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX  XXXX. 
Last payment made on the Original Creditor account with XXXX XXXX. 
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX  XXXX. Example XXXX, Charge off Midland Funding LLC or Midland Credit Management whom ever they represent themselves as has failed to respond to my inquiry within 30 business days not including holidays and weekends which is a violation of the FDCPA and FCRA. This company is reporting different information to XXXX XXXX and XXXX and all 3 companies have Verified as Accurate this account or updated the account. I do not know which consumer reporting agency is reporting accurate information because all 3 agencies report different information. 

* XXXX Verified as Accurate this account on XX/XX/XXXX file number XXXX with a 7 year purging date of XX/XX/XXXX and a past due dollar amount {$8400.00} currently reporting. They claim that this account was closed on XX/XX/XXXX all while reporting the Account Type as Open. The Original Amount reports {$8400.00} while the Balance and Past Due report {$8400.00}. There is no reason why the balance and original amount should be different. 

* XXXX generated me results for this account on XX/XX/XXXX confirmation number XXXX with the date of delinquency date of XX/XX/XXXX. The high credit reports {$8400.00} with a balance and past due of {$8400.00}. The account type reads Open with a Payment History reporting 120-149 days past due. 

* XXXX generated me with results on XX/XX/XXXX report # XXXX with the 7 year purging date of XX/XX/XXXX. The Original balance reports {$8400.00} while the balance reports {$8400.00}. The current status reads {$8400.00} past due and a Payment History is being reported. Midland has updated information with experian but refused to answer to my inquiry letter? How is that legal? 

This is why I requested information directly from the source in clear explanation and this company refused to answer to my inquiry and send me what I had requested. If this company had the information on file then they should have no problem supplying me with this specific XXXX questions.

Company response to consumer: Closed with explanation