BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On two different occasions in 2023 ( so far ), two different Bank of America bank accounts were opened in my name. Even though I don't do business with BoA, I've received 2 debit cards with my name on them - one in XXXX, and one in XXXX - both of them linked to accounts I never opened. After I received the first one, I contacted the Bank of America fraud department to report it. They closed the account and canceled the debit card linked to it. Luckily, there hadn't been any activity linked to the account. I figured my identity had been stolen, so I reported the incident to the police and I contacted the 3 major credit bureaus to get credit alerts and credit freezes. I thought this took care of the problem- and then it happened again two months later. Same situation, just with a different bank account number and debit card number than the first time around. I had to go through the reporting process all over again and the stress of wondering who has been using my information and social security number to open bogus accounts in my name. Yesterday, I heard the news about Bank of America being fined for defrauding customers. Now I am wondering if it was a BoA bank employee who did this to me and not some random creep searching through my garbage.

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 2022-02-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2021 while shopping in Macys, the cashier advised I was eligible to up grade my Macys citi bank card to a Macys XXXX  XXXX  card. I accepted and continued to shopping. I was told my previous card is no longer valid and I can not longer use that account and my balances would be transferred over to my new card. I continued to use my credit card and payments. In XXXX, I begin receiving letter advising my account is past due. I continued to received more letters and I also called the number in the letters, to be told each time my account is good standing and they can see my bill was paid. Then in early XXXX I received a collection bill. I not only called, I went to a Macys store. I also filed a dispute with the collection agency. Another week letter, I get an actually bill from Macys. I call again and they say my account is in good standing and to call back next MonthXXXX XXXX if I get another bill. This unacceptable. This could affect my credit. No one is taking me seriously as I have been trying to resolve this for XXXX  months! Valentines day, I received an email from Macys saying they are referring to a collection agency. I have called numerous times to get this resolved. I have been harassed by these letters and I also feel discriminated against. I would to have this resolved as soon as possible. I have also filed a complaint with the XXXX. I will continue to pursue until this gets resolved. I have provided the Citibank notices, collection notice, Macys statements, and bank statements show numerous payments. These last XXXX  month I have experience extreme frustration, XXXX, XXXX  and XXXX  trying to get this resolved to no avail. I have excellent credit and I do not want this to affect my credit. I pay all bills on time.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-12
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:
XXXX  XXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, XXXX, and Equifax. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all XXXX  bureaus have different information and it be verified at the same time? This is not accurate. Additionally, Equifax, XXXX, and XXXX has reported differently. For instance there Updates are not reported the same as they should. Equifax has charge off, XXXX has charge off as bad debt, XXXX has unpaid paid balance reported as a loss by creditor grantor. Closed Date ; Equifax has none, XXXX has XX/XX/2021, XXXX has none. Balances : is reported wrong Equifax has none, XXXX has {$320.00}, XXXX has no balance. I want this deleted from all XXXX  credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. Account Name # XXXX XXXX XXXX. 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 7 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. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: SECURITY FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I cosigned with my nephew on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX. Months later, I don't exactly when, but he starts having financial hardship where he couldn't pay. The car was eventually repossessed on XX/XX/XXXX. 
I received a letter from the XXXX XXXX Court of on XX/XX/XXXX about the car. I went and retrieved the summons on XX/XX/XXXX. I went and filed an answer to it on XX/XX/XXXX. When I filed the answer, I thought that they were asking for XXXX. I offered the half of that which is XXXX, I explained to that I would like to make a settlement offer of the XXXX. Thats when I found out the actual amount was XXXX, she then and explained to me all the charges and she told me that she could not accept XXXX for a settlement. She stated that she could take XXXX out the door in full no payment arrangements. I then stated that I didn't have that in full and could get the in an email about my offer and her denial of the offer and she stated that she could not do an email on this matter. Thats when I asked her for her name for my notes. I was previously advised from a lawyer that I needed to keep a paper trail, emails, just in case this do go to court. I feel that being that she denied emailing me concerning the situation on the car that was very unprofessional. It makes me feel that when we do get to, they will fabricate there story as if I never tried to resolve this matter in any kind of way. Like I explained to them this is my first time going through something like this. I was hoping not to get taking advantage of and cheated out of this situation, that's what's going on being denied not to email about this. So, what I want to know is this proper protocol for a company to do? Please contact concerning this situation.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

Bankruptcy 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

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 2020-03-15
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
By end of last year, i noticed an inquery on my XXXX reported by Dsnb/bloomingdales Dated : XX/XX/XXXX. 

I have not known or applied for any of the cards from them, so I initiated a dispute with XXXX  on XX/XX/XXXX. Then they directed me to the reporter. I also called the reporter, and their agent told me he can not find any records based on my ssn, and gave me instructions to fax in a request the have it removed. 

So, I sent two letters to the reporter through fax to XXXX both on XX/XX/XXXX and XX/XX/XXXX. However, I have not received any response since then. 

The unauthorized inquiry is remaining on my report.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2020-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
See attatched Credit Report USAA account XXXX date opened XX/XX/XXXX reported XX/XX/XXXX. My records do Not show I Applied & Authorized this Account. Please send My Original Written Signature to Verify I Applied & Authorized this debt or Remove IMMEADETLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX, Experian & XXXX  are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!

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 2021-06-29
Company: EQUIFAX, INC.
State: MD
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:
To Whom It May Concern, I am looking over my credit report and I noticed a lot of inaccurate stuff i have been trying to get removed off my credit report by calling most of these companies. All of this stuff I am going to list, I never authorized and is fraud. I was told by a friend to come on this site and that under fair credit reporting act since i never authorized/signed any documents to run my credit with any of the following companies, this these erroneous things should be removed from my credit report on XXXX, equifax, XXXX and any other reporting agency 's. All of the following hard inquries i never authorized. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If anyone has any questions feel free to give me a call as this is all false information. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
This is erroneous information that affects me. 

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 2021-08-16
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company put an erroneous account on my credit files. I have not been contacted by anyone via phone or mail. This account was previous with some other collection agency back in XX/XX/2021. I asked for debt validation which they could not provide. Account was then removed from my credit and they sold the account. I don't owe this. I disputed this with the credit bureaus but they didn't remove the account. I want this account DELETED off my credit file. How can these companies report negative information and fail to provide any debt validation? This isn't right and it needs to be addressed.

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 non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediatelyNon-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.The allegations appear to be inaccurate. Please provide accurate and verified information for each claim or we will have no choice but take legal action against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: Experian Information Solutions Inc.
State: NV
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 see multiple account reflecting on my credit report that I did not authorize

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
accordance with the fair credit reporting act XXXX Account # 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 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