BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems , Inc has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Transworld Systems , Inc has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. I never received a letter of validation regarding this alleged debt. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Transworld Systems , Inc is attempting to collect. Transworld Systems, Transworld Systems , Inc has no legal right to attempt to collect a debt. Transworld Systems , Inc has not validated this debt nor sent me a notice of collection. Transworld Systems , Inc is in violation of the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I phoned and left a message for XXXX XXXX XXXX XXXX ), XX/XX/XXXX and XXXX, XXXX. I sent her an email XX/XX/XXXX but there was no response.The phone calls were never returned. Further to this investigation I received a new credit card in the mail yesterday at my genuine address. I did not apply to BOA for this new credit card and XXXX put a fraud alert on my credit rating in XXXX of this year. 

I used to have a bank account with Bank of America in both XXXX, Florida and in another state. Thankfully they sent the new credit card to my genuine address or I wouldnt have know about the fraudulent application.

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 2021-12-28
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : Dept EducationXXXX XXXX Account Number : XXXX Date Opened : XX/XX/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 2019-03-25
Company: JPMORGAN CHASE & CO.
State: TX
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:
I received a call from Chase Bank on XX/XX/18 about suspicious activity on my debit card. They recommended that I cancel my card and let them send me a new one - which I did. The debit card was used in XXXX XXXX, TX ( XXXX area ) to get cash at a XXXX store and I live in XXXX, west side of XXXX. There were two back to back purchases/withdrawals as shown on my bank statement and I will attach that to this complaint. I was in possession of my debit card and used it at a XXXX in XXXX on the same day - also shown on my bank statement. Initialty Chase Bank refunded my money but then reversed the credit to my account 5 days later. I called and spoke with the Chase fraud department a couple of times but they felt like the cash withdrawal was somehow authorized - even though they initially flagged it as fraud. I told them I was at home that day - not in the XXXX area, no one had my authorization to use my card number, I'd never been to XXXX XXXX or taken cash out at XXXX anywhere. I told them it was fraud and I would submit a sworn statement or take a lie detector test - they were not interested. I'm also including a copy of a letter I mailed to Chase ( a XXXX XXXX address provided by the Chase Fraud department ) over two months ago. They never responded to the letter and it was not returned as undeliverable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MN
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 have read that Experian is guaranteed to fulfil with the FCRA regulation section 605b but regardless of all my labours to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) 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 Postal Inspection Service, 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. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and I would truly not what to pursue a legal remedy ... DELETE this account instantly : 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 2019-07-13
Company: McCarthy, Burgess & Wolff, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was told by a representative named XXXX ( who is no longer employed with the company ) at McCarthy , Burgess & Wolff, that she would allow me to settle my debt with XXXX XXXX at {$360.00} ( original amount was {$430.00} ) and on XX/XX/2019 they transferred me over to a representative that would email me as soon as I made the payment with her billing team. I was transferred over to them to make a payment on XX/XX/2019 which was debted from my account on that day. Since XX/XX/2019, I called XXXX back and she called me back before she was fired from her position. On those ocassions, she kept promising me that she sent me an email that had the terms of this settlement agreement that would state this would be removed from my account and show debt was PAID IN FULL on the receipt. I never received any records of anything from this debt collection agency but was debted for the settlement amount on XX/XX/2019. On each contact with XXXX, she assured me there was nothing to worry about and I would receive her emails in a few hours, as it takes their system a while to send outgoing emails. I agreed Again, waiting all day for the email, no documentation was sent from this collection agency via email or postal mail about my payment and the agreement XXXX and I had on a recorded line SEVERaL times. I called again feeling deceived and spoke to a XXXX XXXX on XX/XX/2019, XXXX assured me SHE would, in fact, email me and I would receive an email in a few hours. Checked Spam as well as normal inbox and again, nothing. She also gave me the information about XXXX on a recorded line stating her job loss as well as that she did not actually email me according to the records. I have not received any documentation from this collection agency and demand that XXXX XXXX, as well as MB & W, remove this debt from my report as I have called numerous times and promised it would be removed and made whole after I paid it. I believe this is deceptive business practices and the debt is still appearing on my credit report as of today.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I attended XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around lateXX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unnoficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unnoficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the Registrar, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently noone was notified that my hold was released.

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 2019-03-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2019 I noticed my credit score dropped. Then noticed it was because XXXX credit card had decreased my limit by 3,000 dollars. I have very good credit and have never had a decrease in 27 years of having credit cards so this made no sense to me. I called them. They said it was due to inactivity and the only way to try to fix it was to request an increase which would be a hard inquiry which would make my credit score go down even more. I dont think this is right. Its penalizing consumers with good credit and reducing their credit score. I think its bad business practice and that is why I am filing this 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 2023-10-10
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Wakefield  Collections Agency- Unscrupulous collection practices I started receiving reporting in collection notices from Wakefield and Assoc shortly after. The creditor was listed as " XXXX XXXX XXXX '' - which I have never done business with. The remaining balance is {$820.00}. I have requested information/ statement about this account and haven't heard nothing back. They are claiming wrong information. 

I know per my research they are crooks trying to steal money from people. with no accounts associated to them. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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:
I sent a series of letters to the credit reporting agencies multiple times requesting a fair investigation due to inaccurate reporting I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. The entire profile SCREAMS lawsuit and im trying to resolve this amicability without going that route but they are forcing my hand due to their negligence Please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 15 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent ( 2 ) dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Subject : Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ).

Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, Credit Strong account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent.

Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA.

I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law.

Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I mobile deposited my check. I had no previous warning or anything but as soon as I hit deposit check, thats when it told me my check would be on hold for 7 days!!! Who holds a check for 7 days?? I just deposited the same exact amount from the same exact company two weeks ago and had no problems! I called customer service and they could not give me no answer or help at all! How can you customer service not be of any help! This is ridiculous someone has yo wait on their hard earn money for 7 days over a holiday weekend! This is my last time using this bank!

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 2023-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I asked Credit Acceptance if they can reduce my monthly payments..and they declined force me to refinance my car loan in which I own a huge amount of money for a XXXX used car..I had the car for a year and the pay off quote after that year is still the price of the used car..that is total robbery with these people..I am the only XXXX XXXX in my home and this payment was ridiculous..They totally have no compassion for hard working people as myself..

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 2021-12-28
Company: CITIBANK, N.A.
State: CA
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:
OnXXXX, I checked my email and there were email notifications for purchases made with my XXXX XXXX  and the card on file. I checked the XXXX Citi credit card app and saw that on XX/XX/21 one {$500.00} purchase was made and then canceled. Right after the cancellation, a {$2000.00} purchase was made and both purchases had the digital gift card sent to the same email, XXXX. After noticing these fraudulent charges, I called Citi Bank customer service and reported these charges and I was told that they could not be disputed since they are still pending. I proceeded with canceling the card that was used. I then called XXXX customer service and reported that the charges were not made by me and they noted that in my account and advised to file an FTC report, contact local authorities, and reach out to the back.

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 2023-10-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an Amex Gift Card that Im supposed to be able to use at any location that accepts Amex. I tried using it on XXXX on Booking.com but it was declined. I tried using it on XXXX on XXXX and it was declined. Today, I tried using it on XXXX and it was also declined. When I check my gift card balance online, it states that there is {$300.00} available. Amex has stolen my money and theyre keeping it XXXX. I would like access to my funds please.

Company response to consumer: Closed with monetary relief