BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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: 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 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 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 2023-04-20
Company: EQUIFAX, INC.
State: PA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: OH
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$94.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$17.00}, XXXX XXXX Balance : {$4700.00}XXXX XXXX XXXX  XXXX Balance : {$48000.00}, XXXX XXXX XXXXXXXX Balance : {$9100.00}

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 explanation
Consumer complaint received 2020-09-27
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i have had an account at this bank for 4 years and never had a problem, but they have hired a new risk department and the risk is to the elderly and the financial fraud they warrant as elder abuse and fraud, they have paid so many unauthorized charges immediately and then i must wait 90 days until investigation is over, In the meantime within one month i have received over a {$1000.00} in bogus bank charges as they want to profit from letting vendors steal my money and now i must fight to right their wrongs. i am a lone woman of XXXX years old and i did life at XXXX XXXX XXXX XXXX  XXXX living off my fixed social security .and barely scrapping by, but i had a home and even though it was hard, i budgeted it. Now because of BBVA handling of my account and all the charges they tacked on for their profit, i am now homeless sleeping in a park ' I went to the branch to straighten it out, the girl named XXXX told me that i will never get one dime back and open account elsewhere. i was devastated and cried myself to sleep. i must keep the account open in hopes they remove the bogus charges even though now no way i can pay the {$1000.00} in bank charges. This is terrorizing the elderly and we had a meeting about BBVA and they are doing this to all the elderly, over 10 senior citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX  ( account number : XXXX ), XXXX XXXXXXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account XXXX : XXXX ), XXXX XXXX ( account number : XXXX XXXX XXXX XXXXXXXX ( account number : XXXX ), and XXXXXXXX XXXX ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

Sincerely, 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 2023-11-15
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi Madam/Sir This Complaint are against XXXX. I had pull a Credit Report and noticed that ; XXXX - XXXX XXXX show XXXX XXXX bankruptcy discharged ( the payment plan with creditors were completed ) within updated date XX/XX/2023. 

I was not approved for an Amazon StoreCard on XXXX by Synchrony Bank based on information from XXXX, " Bankruptcy proceeding, credit counseling or creditor settlement '', well, this phrase are present sentence! Looks the XXXX representative should always read and share the correct information on records to Synchrony Bank or any other Credit Institution. I believe my Credit were affected. 

Honestly I don't know what actions CFPB can or may do against XXXX, one thing I wish are XXXX to become more careful sharing information. 

Sincerely 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 2023-08-12
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am a XXXX citizen on the down side to XXXX years old. 

On XX/XX/2023, I opened an email indicating that some sort of transaction was in progress or had been attempted in the amount of {$3400.00} ; the entity is " Coinbase ''. I did not respond in any way, as I feared that was only a ruse to provide them with more information. I have never, nor do I, engage is this sort of activity at all, whether on my laptop ( where I received it ) nor on my mobile device. I am not sure I even selected the correct area of concern when filling out this complaint because I do not know what sort of fraud is being attempted. 

I have copied the content of the email here, and will attempt to attach it. I may need some technical assistance, however, if my efforts do not give you sufficient information to act. I will also attach a file containing the page source from the email message. 

~ ~ ~ ~ ~ ~ ~ Sender Data : XXXX XXXX  XXXX XXXX To : XXXX Content of email : coinbase A withdrawal has been delayed You initiated a withdrawal of {$3400.00} from your Cash ( USD ) account. 
{$3400.00} will arrive in your citi bank ending with XXXX by 3 working days. 

If you don't any action, the request will complete on XX/XX/2023 at XXXXXXXX XXXX PDT. 


Amount : {$3400.00} USD Date and time : Sat, XX/XX/2023 XXXXXXXX XXXX Browser : Android XXXX ( XXXX XXXX XXXX ; XXXX ; XXXX ) XXXX ( XXXX, like XXXX ) XXXX XXXX Withdrawal reference : XXXX Approve Now I didn't Authorize This Activity If you didn't initiate this request or not your bank account? Review transaction Sincerely, The Coinbase Team

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I sent in a document to support my fraudulent claim with the prepaid claims department ( claim # : XXXX ) which I already complained about in my original complaint which is POSTED BELOW and I was told " OH MY XXXX THIS PROOF SHOULD BE ENOUGH HERE, THIS IS ACTUALLY GREAT, YOU SHOULD HERE FROM OUR BACK STAFF SOON '' However I still haven't heard anything an its been weeks, I was also MISINFORMED by more than one employee about complaints filed for the timing going past when they should have, for my claim on their behalf as I found they weren't actually writing them in the notes after telling me they were. 






ORIGINAL CLAIM : I filed a FRAUDULENT claim with Bank Of America in XXXX Over a year ago. I was scammed out of $ XXXX. What happened was I never received a XXXX prepaid Bank Of America card before when I signed up, so All the transactions made WERE NOT ME an they told me they agree and I would be sent a new card while they investigate. I was sent a new card but there were no funds on it as there should have been either a provisional credit as I was informed or ALL OF MY BENEFITS THAT WERE PAID OUT TO THE ACCOUNT OVER THE COURSE OF TIME SINCE I WAS STILL CERTIFYING FOR MY BENEFITS AS TOLD I've been calling an complaining on this same dispute ( claim # : XXXX ) for over ONE YEAR, as well as sent proof of transactions IN DIFFERENT STATES WITHIN DAYS AN SOMETIMES HOURS OF EACH OTHER an I still haven't been told of a final determination to the investigation NOR have I received any provisional credit or my money returned. 
Ive been evicted, Lost my cell phone due to non payment, Lost my car, Ect ..... I NEED MY MONEY. Bank Of America is in NO rush to resolve the issue as they took 90 days investigating then reconsidered it which should take 45 days or less as they said. But still nothing an i've been on standby another 70-95 days since ...... XXXX provisional credit nor did they credit me what is owed. ( ALSO : I WAS TOLD COMPLAINTS WERE FILED BY BOA PREPAID CUSTOMER SUPPORT, BUT WHEN I CALLED THE NEXT DAY AN ASKED, THE NEXT EMPLOYEE SAID THEY WERE NOT IN THE NOTES ON MULTIPLE OCCASIONS. ( IVE ONLY BEEN ISSUED XXXX $ OF CREDIT ADJUSTMENT THUS FAR ) Lastly I seen multiple transactions in different states back to back once i was allowed access to the online account. THOSE transactions dates:XXXX ( Arizona, Texas, Florida, utah ) ALL PLACES I NEVER BEEN. file attached.

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 2019-02-12
Company: National Recovery Solutions, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX. I was a student of XXXX XXXX XX/XX/XXXX ,XX/XX/XXXX - XX/XX/XXXX. Under the Federal Lawsuit against XXXX XXXX XXXX., XXXX and its subsidiaries schools were closed due to illegal practices with federal funding. during my tenure, i took out student loans federal and private to assist me with my education. I was not fully aware I had taken private loans out, due to the severity of enrollment and pressure to attend classes to graduate. Fast forward, after the school closure I was contacted by National Recovery Solutions XXXX XXXX XXXX who stated they were collecting on my loans and I was delinquent and had to make a payment or else ... .I stated I have in my possession n, a notice from the Attorney General stating the lawsuit and my private loans were cancelled. But in their interest, they stated that it was not valid and I had to make a payment. I made payments as follows - XX/XX/XXXX {$30.00} - XX/XX/XXXX {$200.00} - XX/XX/XXXX through XX/XX/XXXX - {$100.00} a month, and XX/XX/XXXX -XX/XX/XXXX {$20.00} a month. I recently spoke with the company again to tell them these loans have been cancelled and should not have to pay and now I am being passed though the grapevine from manager to manager to phone representative, who has not been able to help me. As stated on the documentation attached, and payments made after the settlement, I would be issued a refund, and as I spoke with NRS, they stated they had no idea about my paperwork, and would look into it. 

Please help me - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2023-08-12
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: AZ
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2023-07-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Equifax account is showing delinquent payments on my federal student loans for over 120 days and I've never missed a payment. I disputed this through Equifax and my dispute did not correct this. When I attempted to redispute, I got a message saying I can't dispute something that has been disputed before. When I talked to my fed loan providers ( XXXX XXXX ), they said to dispute through Equifax. This is severely hurting my credit score and I feel like I'll never be able to get rid of this in a timely manner, please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: PA
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'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 explanation
Consumer complaint received 2023-03-20
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:
Pursuant to 18 usc 8, I owe no debt this violation my consumer right to privacy pursuant to15 usc 1681 B 2 company has no permission to report anything using my info pursuant to 15 usc 1681 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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXXXXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO 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