BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

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 2022-05-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My Credit Profiles indicates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( Experian, XXXX, and XXXX ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all three credit bureaus ( Experian, XXXX, and XXXX ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.

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 2022-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX USAA Bank called my residence as a debt collector. They advised that I was overdrawn on a Savings in amount of {$10000.00} & in Default on line of credit in amt of XXXX. This is Identity Theft. 
I told them I never opened any accounts with USAA Bank ever! 
They sent it to XXXX & XXXX. XXXX is to get back to me by Fri XX/XX/XXXX. These accounts were established XX/XX/XXXX but I'm just being notified of it on XX/XX/XXXX almost 25 months later! 
I've secured an Identity Theft Service & notified the FTC. But I want them to Stop harrassing me for funds that i know nothing about. Please issue this complaint & filel it. The AVP of USAA sent a letter to me received today. Its salutation refers to a XXXX XXXX. XXXX.!! So this tells me that the perpetrator is a Military or a Veteran. I have never been in the Military. I'm XXXX yrs old retired on a fixed income. This is Fraud. Its very annoying as well. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Account information incorrect

Complaint:
Over the past XXXX I have contacted this credit bureau and disputed that a XXXX XXXX XXXX account that was reporting on my credit report was reporting inaccurately. They claim that they contacted XXXX XXXX XXXX and that they verified the information on my credit report as accurate and this was a lie. I contacted XXXX  XXXX XXXX and they informed me that this credit bureau never contacted them to verify my account information. These credit bureaus are evil and because of there false reporting I was not able to get a mortgage or get the funds needed to start my business. My lawyers are preparing to file a suit against this credit bureau for damages for each month that this credit bureau continues to report false information on my credit report. I am also send a copy of the letter that I got from XXXXXXXX XXXX XXXX to the Federal TRade Commision so that a fine can be levied against this credit bureau for false credit reporting. For over XXXX  months they reported that they contacted the creditor and that the creditor had verified the information and this was a XXXX XXXX. They are destroying people 's lives for what I don't know. 
I will also be sending all the credit reports received and the false reports from the false investigation that they claim they did but never did. This note is just to notify the CFPB what this credit bureau has done and to expect some documents from me for there illegal action and to levy a fee against them for there illegal actions. 
The CFPB needs to stop these credit bureaus from doing things like this. My attorney XXXX XXXX XXXX will be contacting this credit bureau shortly on behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

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 non-monetary relief
Consumer complaint received 2022-04-22
Company: SANDY SPRING BANCORP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Opened a sandy spring bank my free banking account on XX/XX/2022 with an opening deposit of {$100.00} and enrolled in online access. I was called on XX/XX/2022 saying the account was being locked on suspicion of fraud. Online access was suspended. In mid XX/XX/2022 I called again about either unlocking my online account or how my {$100.00} was going to be returned. I was told my account would be auto-closed on XX/XX/2022 and that I would be mailed a check. It is now XX/XX/2022 and I called again as a check should have been here by now. I was told the account was still open and that the {$100.00} was still there and that I would have to come into a branch. A branch is XXXX hours away, this is not acceptable. I have offered to provide any documentation they need to confirm my identity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
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:
In accordance with the Fair Credit Reporting act XXXX Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of this year I called Bayview Loan Services and ask why, when I call to make my mortg payment, they keep stating that I am a month behind on my payments. Then they started sending me threatening letters to take my house if I don't pay the late month due. I did my research just to prove that I was not the crazy one here - then called Bayview and ask them to send me proof that I was behind and when it started. They sent me the info and if the person that printed it out had bothered to read it they would have seen that they were proving my case and not theirs. Nothing was late! So I called them back and spoke with XXXX and she looked into it and got it all straightened out. And even told me I had a credit on the books that I ended up using toward the next months mortg pymt. Then in XXXX of this year I noticed my credit score had taken a deep plunge because Bayview had reported me 30 days late on my mortg. I  contacted XXXX XXXX and they investigated the issue and BAM! - my score increased by 60 points because Bayview had once again acknowledged their mistake. Now, I have started getting late notices again and letters threatening to take my house. HERE WE GO AGAIN!!!!!!!! Again I called and spoke to XXXX and she acted like she was clueless. I ask if they take notes on previous issues! Why do I have to go over this again! She said I missed XXXX of 2017s pymt. Well - that was the month they took out an extra {$500.00} from my account. Yes - for a reason they have yet to explain, they took from my bank account an extra {$500.00}. Made some considerable hardship for me but they didn't care. Took me over a month to get the money back. How can a financial institution be so inept at keeping their records straight. They have not gotten back in touch with me after this last threat. Why are they allowed to conduct business like this and make so many mistakes and threaten constantly to take my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX  I received a call from a woman that said she was from US Bank fraud dept. Did I spend {$300.00} in Idaho? I said no ( but I just had been in Idaho ) She said your account has been tempered with and you are going to have to put a new ID and Password on your account. " I need to send you a code to verify it is you ''. US Bank always does that if I put in wrong password. Then she sent a code to my cell phone and said you are going to have to redo your app too. Delete your app and put a new one. 
" We want to protect so this doesnt happen again.? She asked me a couple of questions like secret questions I said " don't you have that there? she yes I need to protect you and change those. She was taking so long and I said " why is this taking so long '' she said it is my connection. Please be patient, this has happened to me too and I work in the fraud dept. When I hung up the US Bank sent a text that said " we just approved {$6000.00} on your credit card '' '' I called immediately and the bank told me it was a fraud and that they would put a hold on my account and to call the fraud dept in the morning. 
One of my friends called me and said " what is wrong with your phone I called and a man answered ( she called me on my landline. another friend called and said your mail box is full. I said " really I just called to check messages and it said I didn't have any. 
I went to Bank the next day Saturday and the manager XXXX XXXX pulled up all my transactions because usually they are not posted until Monday and there was a wire charge for {$30.00}. I said I have never sent a wire in my life. I also have never used the credit card. There was a cash advance for {$3100.00} and another for XXXX minutes apart. 
the bank told me that he would give me back the wire money and in the meantime the fraud dept would do an investigation. I was told to go to XXXX to have phone checked to see if there was any suspicious apps put on my phone. I went to XXXX the next day and XXXX found that there was a forwarding of all my calls to a XXXX money sent to XXXX XXXX XXXX XXXX to a XXXX XXXX. I do not know this person nor did I sent this wird. US Bank was denying my claim because came out of my checking account with my name on it. Since then there has been denial letters sent but I have not stopped calling fraud dept and putting claims in to XXXX  and XXXX XXXX and police dept.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I will attach a file below that states all of the accounts that were affected by this claim.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX still have XXXX XXXX XXXX  It show paid in full & delete. They need to remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Around XXXX I inherited a position at an organization. I was handed a stack of mail that said our BofA account was going to unclaimed property because the previous president of the organization was not responding to the bank to see if we still wanted out account. 

XX/XX/XXXX I met with XXXX XXXX at the XXXX XXXX. I visited a branch in person was told that I could not complete my transaction at the branch and that I needed to provide additional paperwork. She told me that she would forward me to XXXX XXXX who would be able to get my problem solved over the internet. ( It is important to note that I had everything that was required to move the other organizational accounts with XXXX XXXX  over to me. I have no idea why BofA was requiring extra steps. 

XX/XX/XXXX I get a packet from XXXX. I am told to go to a BofA and get my signature card notarized. I tried to make appointments at all of the branches close to me and could not get an appointment. There is no way to call and get an appointment and the online system says no appointments available in the next 2 months at any of the locations in the XXXX area. 

XXXX I walk into the XXXX XXXX XXXX. They tell me the only reason why no appointments are available is due to staffing issues, but XXXX XXXX will have a notary and make an appointment. I make the appointment, I put online to call me if there is no notary available, as I did not want to waste my time again. 

XXXX I go to XXXX XXXX at my appointed time. I get told to wait ... after about 10 minutes the business banker comes out to me and says that he knows he was supposed to call me.. but he didn't and they don't have a notary available. 

I just want access to my money. I am wondering how to get it! I do not believe that BofA has the ability to help me get access to my money. My time is very important to me. The least they could do is get a notary and schedule with me. The least they could have done is call me to let me know that they needed to reschedule my appointment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am writing to you once again regarding the inaccurate reporting on my XXXX Bank account XXXX XXXX XXXX ). As I have previously stated in my two previous letters, the information on my credit report is incorrect and is negatively impacting my credit score. Account status is incorrect this account is paid. This has been reported as derogatory. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to request that you investigate and correct any inaccurate information on my credit report. Despite my previous requests, I have not seen any action taken to correct this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
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:
This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: ECMC GROUP, 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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2023-12-14
Company: Zip Co US 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:
I placed an order on XXXX  using a credit card issued by Zip/QuadPay so I could pay for the item in 4 installments. The zip order # is XXXX. I never received this item from the merchant, and I have tried to contact the merchant numerous times uncessfully. The merchant is not responding and has not delivered my item. I contacted Zip on XX/XX/XXXX to try to initiate a dispute regarding this transation, but was told I needed to wait for 13 days. I contacted them again XX/XX/XXXX, and am again being told it is too early to initiate a dispute. They have told me if I want to dispute the charge with the bank I can but that it would affect my zip account standing. 

Zip issued this credit card that was used to pay, and should be able to initiate a chargeback request with the merchant to get the money back. More than 13 days have passed since I placed the order. I have tried to resolve this on my own. Zip needs to initiate a dispute, investigate this money with the merchant, and refund the money I've paid for this item I've never received.

Company response to consumer: Closed with explanation