BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: LEXISNEXIS
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a remaining balance of $XXXX in my account on XX/XX/XXXX or XX/XX/XXXX. My debit card along with other very important information was lost. I travel 70 miles each way to work daily, therefore, I stop at multiple gas stations along the way. I am unsure where my organizer/wallet was left. Bofa keeps denying my claim for many various reasons each time I appeal the decision. One reason was that I had to have known the person. Bofa cannot and will not tell me who I am acquainted with and who I am not. I worked with the police in my city, XXXX, GA. the officer sent me pictures of the perp and I told the officer I have never seen him. I can and will swear under oath in a court of law that I do not know that perp. Upon filing the police report the officer informed me that it was a few cases going around like mines. he also stated that if I had something to do with this that it would come back on me as well. I have been battling Bofa since XX/XX/XXXX for my paycheck and IRS refund that was deposited in my account on XX/XX/XXXX. I do not feel they should be able to apply my checks to the negative balance because the fraud was not my fault. another reason for denial is that Bofa states that they called, texted and emailed me of the fraud and I verified that it was me. That is a lie. if someone notified me that my account was being compromised, does it make sense for me to say, "ok, that's fine". I was not aware or informed of the fraud. the email they are speaking of was never opened. I still have the email in my archives. I told Bofa that I received many emails from them daily and did not open them. On to the text message. the phone number that Bofa had on file for me has never been my phone number. A Bofa representative told me that they called a XXXX I told the rep that I have never in my life had a phone number with XXXX. That is how I know I was not informed of the fraud. the reasons why Bofa has denied my claim are bogus. each rep has given different information totally opposite form what the previous rep stated. the person of interest in this case obviously knows/knew how to work Bofa system. Now, Bofa wants me to pay for their mistake and its not fair to me. Bofa let someone call with my very detailed privileged information,inflate my account, to retrieve false funds. I do not know the perp, so how am I responsible for this? I have been with Bofa since XX/XX/XXXX and have never filed any complaints. I have always liked banking with Bofa. since this incident I do not recommend anyone bank with them. there has been no evidence that I had anything to do with the fraud that was associated with my account.

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 2023-03-31
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 EXPERIAN 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

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 was in the process of buying a house then i checked my credit report with the lender to then realize that there is a substantial amount of derogatory errors that are damaging my credit profile. It has been over thirty days with no response from either of the bureaus after disputing. Someone has used my identity to take out multiple credit cards, Auto loans, phone lines, and housing. These accounts have either closed or went to collections. I have tried to dispute these items, along with multiple addresses and phone numbers that are not associated with me but yet no action. I have lived at the same address in the same town for many years and have had the same phone number since 2010. I have no prior knowledge of these accounts prior to trying to get a mortgage. I have not received any phone calls or written documents for any of these delinquencies. According to 15 U.S.C. 1681, there shall not be any damages on my report, it is a deformation to my character. 

XXXX XXXX XXXX Closed {$0.00} XXXX Closed {$910.00} XXXX XXXX. 
Closed {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00}

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 2020-12-28
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these hard inquiries on my XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, My wife and I have sent 2 letters already disputing some items on my credit report and I have not gotten any response or results in the mail. Why is that?? I am working towards buying a home and need these items resolved. I sent a letter on XXXX and also XX/XX/XXXX by us mail. I just faxed one as well this week hoping to get a response. 

Here are the things I am questioning : 1. XXXX XXXX - XXXX - XXXX, XX/XX/XXXX and XX/XX/XXXX late payments don't match across the bureaus. Please confirm the payment history is correct. Please remove this. 
2. XXXX - XXXX - Late payment listed in XXXX XXXX. I don't think that's accurate. I was never late. I believe this is an accounting error. Please remove. 
3. XXXX - XXXX - I do not know who this company is. Please delete. 
4. XXXX XXXX - XXXX - High balance, balance owed & past due does not match on all credit bureaus. Investigate payment history and delete from my record. 
5. XXXX - XXXX - Why is there a high balance listed on this? Cause there shouldn't be. Please delete. 
6. XXXX XXXX XXXX - XXXX - this is the first time i am seeing this. delete this from my report! I never received a notification of this before this ended up on my credit report! 
7. XXXX XXXX XXXX, XXXX XXXX, TX XXXX - I don't live here. Incorrect address. Please delete. 
8. XXXX  - I don't work here. Please remove this. 
9. XXXX XXXX - Please remove this. This is not my employer.

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 2021-01-06
Company: Allied International Credit Corp., (US)
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Allied International Credit Corp stating they were attempting to collect a debt from XXXX. The account number was starred out so I could not see it. When contacting XXXX, I was told that I had no outstanding invoices. When I called the company they simply insisted I pay the debt. I can not verify the information on the letter. I want to be sure this does not negatively effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: U.S. BANCORP
State: OH
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 received a US Bank Reliacard for which I did not apply on XX/XX/XXXX XXXX.They have cancelled the card at my request. I have placed fraud alerts on my credit reports and frozen 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 2023-06-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to file a formal complaint against Experian regarding the presence of two illegal and false accounts on my credit report. I have recently reviewed my credit report and discovered that these accounts, namely XXXX XXXX ( account number XXXX ) and XXXX XXXX. XXXX ( account number XXXX ), contain significant inaccuracies and are intentionally missing important information. 

Firstly, both accounts are illegally reporting false information, misleading both myself and potential creditors who may access my credit report. This not only damages my creditworthiness but also violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, these accounts lack essential information such as a business address or point of contact. This deliberate omission makes it extremely challenging for me to dispute the accounts or identify the actual company responsible for reporting these illegal accounts. It appears to be a deliberate attempt to hinder my ability to rectify the situation and protect my credit. 

I insist that Experian takes immediate action to address these issues by : Removing the two illegal and false accounts from my credit report. 
Ensuring that my credit report accurately reflects my credit history and does not contain any misleading or fraudulent information. 
Including the complete and accurate business address and point of contact for any reported accounts, allowing me to appropriately address any future disputes or inquiries. 
Failure to rectify these issues promptly and satisfactorily will leave me with no choice but to take further legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I have enclosed a copy of my credit report highlighting the aforementioned accounts for your reference. It is crucial that Experian undertakes a thorough investigation and resolves these discrepancies in compliance with the FCRA. 

I expect to receive a written response from Experian within 30 days of receiving this complaint. Failure to respond adequately or address the concerns outlined in this letter may result in legal action to seek remedies for the harm caused, including but not limited to, damage to my credit, emotional distress, and violation of consumer protection laws. 

Please be aware that any communication or information received from Experian regarding this matter will be retained as evidence for potential legal proceedings. 

Thank you for your immediate attention to this matter. I trust that Experian will take swift action to rectify the inaccuracies on my credit report and ensure compliance with the FCRA. 

Sincerely,

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 2023-07-14
Company: Bread Financial Holdings, Inc.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving emails from Indebted about an account XXXX XXXX XXXX has and appears to have something to do with COMENITY CAPITAL BANK ( in partnership with : XXXX XXXX XXXX XXXX ). We haven't done business with either companies so there should not be any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a discover credit card for several years, so i for applied to a second discover credit card, got approved for {$6000.00}, of course its XXXX points lost due to hard pool from my credit due to application, screen says that my card will arrive in XXXX business days. So i planned to that approved XXXX K and did some home repairs at my house. Next thing in two weeks discover contacts me and request IRS transcripts and they lie to me by saying it is for identity verification where it is in fact its purely for my income verification. I am on XXXX. So that will not work for me and my income vary each year. I try to negotiate with them to provide 3 months of bank statement for income verification, but they said no. Only IRS. I relied on that XXXX dollars for my home repairs, and now i got XXXX over by some credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX # XXXX debt has been paid in full directly to XXXX XXXX and it still has not been removed from the 3 Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed. 
XXXX Potentially negative Date openedXX/XX/XXXX Balance {$350.00} StatusCollection account. {$350.00} past due as of XX/XX/XXXX. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX 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 2023-11-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My Venmo account was suspended after I added a new bank account ( XXXX  aka XXXX XXXX XXXX, removed my old accounts ( XXXX XXXX and a debit card ), and initiated a transfer of my balance to XXXXXXXX XXXX around ~ {$3700.00} USD I received the email with the form to submit my ID and filled this out & attached a picture of my id. 

The account has only been used for splitting bills & meals with friends. All of the communication and verbiage around this is vague and the timeline of XXXX days is unacceptable. Unable to reach a human on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TekCollect Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TEK Collect is trying to collect for XXXX XXXX XXXX XXXX a past due amount of {$1200.00} that was opened fraudulently using my SSN. I do not live in that county nor did I open that account. I have filed a police report in 2021 for the same individual and have taken precautions in freezing my credit and adding a fraud alert to my SSN. Not sure how this individual was able to open this account and when I disputed it with XXXX my claim was denied. 

Contact number for TEK Collect phone : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation