BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$15000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$860.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : 810 Reason : Account is fraudulent Account Name : XXXX. XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$650.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA 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 explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am writing to inform you about a most unfortunate grand larceny consumer fraud incident. I am the victim of a recent {$9400.00} Bank of America fraud transaction that I suspect was a Bank of America inside job. Perhaps XXXX coverage can alert others to this scheme and prevent a financial loss similar to what I have suffered. 

Here are the details that I hope you will report. I suspect that many others could be victims of this consumer fraud. Bank of America has NOT taken this issue seriously, treating it as a lunch order gone bad. 

On XX/XX/2022, I received 3 FAKE XXXX texts that looked exactly like the actual B of A XXXX texts previously received. Each text message states that I had transferred money via XXXX at Bank of America. I was startled and alarmed. 
At approximately XXXX p.m. XXXX, I received a call from an actual Bank of America phone number ( XXXX ( XXXX ) XXXX ) on my mobile device. The Bank of America name appeared on my device. 
The criminal claimed to be a Bank of America Fraud Associate who was calling to help me reverse the fraudulent transactions. I believed he was a Bank of America employee. I had no reason not to believe him. 
On XX/XX/XXXX, I realized I was defrauded when I called the Bank of America Business Banking number. The Business Banking associate had no record of the calls from any Bank of America Fraud Department. My heart sank. I was just defrauded {$9400.00} ( likely ) by a Bank of America inside criminal. The money went to XXXX Bank. 
Bank of America Contacted XXXX Bank via electronic messaging requesting funds retrieval. 
XXXX, via electronic messaging, declines to return the money. 
Bank of America calls me and casually states, that XXXX would not return the money and that cant do anymore. 
I contacted Bank of America XXXX, XXXX XXXX, who passed this grand larceny fraud to the Chairmans Escalation Office. They were less than helpful. I sent two additional emails to XXXX XXXX, urging his intervention, that were not acknowledged. 

I urge you to report this story because I suspect that I am NOT the only victim. It was a very well-planned and well-rehearsed act. Also, I suspect that it was an inside job because the criminal knew about my bank accounts and numbers. 

This electronic correspondence between Bank of America Fraud and XXXX indicates a casual approach to what is grand larceny. Why was a more serious attempt not made on my behalf to retrieve the funds? The fact is that {$9400.00} is grand larceny. I expect B of A to take this matter more seriously like it was their own money. 

How many others have been defrauded? How many other financial institutions and customers are affected?

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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I hold a " Customized Cash Rewards '' Visa credit card issued by Bank of America. B of A has removed benefits from the card without notification. Cardholders such as myself were informed we have these benefits, many of which are insurance or some form of insurance ( e.g. Auto Rental Collision Damage Waiver ), when in fact we are not insured. In addition, the company has made it extremely difficult to learn what benefits the card actually has. This contributes to the problem and could be intentional. The difference in benefits on my card is documented in two guides I have obtained from B of A in XXXX and XXXX. These two documents specify the same effective date ( XX/XX/XXXX ) but different and diminished benefits. 

On or before XX/XX/XXXX I built a spreadsheet of the benefits offered by my credit cards so I could keep track of which card was best for each purchase. Some offer better benefits, others better rewards, etc. My then-named " Cash Rewards '' card from Bank of America was the only one that didn't have the benefits guide available on it's website. I had to call in to request it, which I did. I was mailed a " Your Cardholder Benefits Guide '' as seen in the attachment, page 1. It detailed five card benefits effective XX/XX/XXXX : Purchase Security, Warranty Manager Service, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Lost Luggage Reimbursement, and Roadside Dispatch Program. 

In XX/XX/XXXX, I thought one of those benefits, Purchase Security, would apply to a purchase I had made. I had a very difficult, lengthy and poor customer service experience ( not the issue here ) trying to find out if it would help me. I was surprised to find out that my card did not have the Purchase Security benefit though I had never been notified as such. I then tried to get a copy of my current benefits guide. It still was not available on the card website and I had yet another difficult, lengthy and poor customer service experience obtaining one. After hours of effort, one was mailed to me and it is attached starting with the letter at page 2. To my surprise, my card had been stripped of all but two of the five original benefits effective the same date : XX/XX/XXXX! I received no notification but given the effective dates, there's clearly a problem here. I brought the issue up to customer service and they said there was nothing they could do.

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 2023-11-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove these Inquiries from my credit report ASAP The inquiries are follows Please be mind full I don't authorize any of this INQ. 
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 non-monetary relief
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a mortgage with Wells Fargo when the real estate market crashed in XXXX. Since my husband is a builder and I was a real estate agent we were hit very hard with this crisis financially. We were advised to go through the " XXXX XXXX XXXX XXXX '' in XXXX, MA to tried to get a " Remodification Loan ''. Wells Fargo kept coming back asking for additional paperwork over and over again, which i believe was a stall tactic as Wells Fargo had been instructed to cooperate with those struggling financially. Despite providing them with every document they requested they declined to do the loan modification. I honestly don't think they ever had any intention of going along with this and was simply stalling then denying us eligibility since the government was now watching them. After wiping out all our savings, cashing out both of our Roth accounts and selling anything we could including jewelry, we became desperate and put our house on the market. But during this crash we put our house on the market and eventually had to take a substantial hit on the value and lost a lot of equity. No the house wasn't taken in foreclosure but we were forced to sell due to the denial of Wells Fargo to amend the loan. We had NEVER missed a payment with them and they would have no reason not to allow the modification other than the fact that as usual for this company ONLY puts their best interest into consideration. Even XXXX, who ran the XXXXXXXX XXXX XXXXXXXX XXXX, admitted not a single account he worked on actually got a modification loan. Now I see Wells Fargo is being forced to pay for their illegal deeds and hopefully we should be included in this settlement.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive tried disputing XXXX information with Transunion Credit Bureau chat line Representative XXXX on today XX/XX/XXXX after XXXX but representative did not update record but instead disconnect the chat. Ive paid XXXX in full in XXXX but XXXX did not post to my account until the first week of XX/XX/XXXX. Ive disputed this record numerous times but no success. XXXX Credit Bureau has updated the information on their site as paid in full and account closed but when I told the representative XXXX with Transunion per the representative statement that they do not update record for XXXX which wasnt request I was asking and Im not sure how or why this type of response was given. I tried sending the chat request again to explain what Im requesting but the representative closed the chat in the middle of my response. Transunion has prevented me in placing a dispute due to no option for me to select the company. The balance is reflecting in the total debt but I dont see the company to select it to dispute and the representative did not take my request to place a dispute.

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 2021-08-10
Company: Experian Information Solutions Inc.
State: LA
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:
" I have been disputing inaccurate and and unvalidated information on my credit report. I have NOT RECEIVED ANYTHING BACK FROM THE BUREAUS REGARDING MY DISPUTES. I HAVE SENT IN DISPUTES IN XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX. NO RESPONSE AND ACCORDING TO THE FCRA THEY HAVE TO RESPOND IN WRITING IN 30 DAYS. IF NOT THEY HAVE TO REMOVE. SO WHAT S UP WITH THEM????? NOT FOLLOWING THE LAW??????

I HAVE ATTACHED A FEW LETTERS BUT NOT ALL OF THEM. IF YOU WANT ALL LET ME KNOW

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 2021-06-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a dispute to the bureaus on XX/XX/2021 regarding inquiries that I have not authorized. There are no physical signatures of mine on any applications nor do I have any open accounts on my credit report reflecting these! Since the bureaus didn't respond to me in 30 days, I sent another dispute on XX/XX/2021 and again today, XX/XX/2021. It has been almost 5 months of disputing with not 1 response from the bureaus. This is unethical, unprofessional and wrong that the bureaus are not doing their part!

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I checked my credit report and noticed a collection account by Account Resolution Services ( ARS ) from the original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Upon further examination of the account I noticed the age of the account that was reporting on XXXX, it caused some concern as the 7 year from the delinquency date had passed more than 2 ( two ) years ago. When I called Account Resolution Services ( ARS ), the collection agency that posted this collection to my XXXX credit report had ARS PRETENDED TO NOT SHOW A BALANCE ON MY CREDIT REPORT, AS HEARD ON THE RECORDED AUDIO. THEN WHY IS IT LISTED ON MY CREDIT REPORT? THE REPRESENTATIVE DID NOT HAVE A SUFFICIENT ANSWER. According to the FTC ( Federal Trade Commission ) 15 U.S. Code 1681c " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party ( ARS ), whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. '' Please noted that I've NEVER had a bankruptcy, thus this account should have been deleted off my credit report on XX/XX/XXXX. As of this year ( XXXX ) this account is STILL LISTED ON MY CREDIT REPORT. This is a violation of the Federal Trade Commission law. 

Account Resolution Services ( ARS ) is also in violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, which is " consumer protection amendment, establishing legal protection from ABUSIVE DEBT COLLECTION PRACTICES, to the Consumer Credit Protection. 

Look for the account under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-08-11
Company: WELLS FARGO & COMPANY
State: NC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company portfolio recovery just keeps calling and calling me even though Ive already sent them information of hardship to them over the years but they keep bothering me about the debt And the numbers are always different where they call out of!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Fraudulent usage of card was detected, 5 XXXX reservations on the same day were made without my consent, it was not removed and was fully charged on Amex card. 

Amex will not consider settlement or fraudulent investigation and re opened the bill which might lower my credit score again.

Please help stopping my credit score becoming lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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