BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 2022-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, DC XXXX Dear Friend ; It has been approximately 45 days since I requested Bank of America to close my account due to expected fraud. A contact with a Bank of America customer service representation concluded with a promise that Bank America would contact me and establish a new account and transfer my banking relationship to that account. This had not occurred. In fact, I have been denied transaction use of the account since. However, I continue to receive low account balances and other info for an account that I can not access. 

I am also requesting the review of the long wait time for Bank Of America Customer Service. 
Recently I was on hold for approximate 90 minutes before giving up. Hi was after two other waits and a called. 

I would also like to bring to your attention to XXXX XXXX. After my XXXX mortgage was transferred to XXXX, I am required to pay $ XXXX for each online monthly payment by phone. 
XXXX states that they will remove the cost if I open a XXXX bank account. As a former Federal Reserve Bank examiner, I know that the bank account would generate hidden balance cost and other undesired inconveniences. This practice is a violation of fair access nad any life based minimum service. 

My third concern is with XXXX XXXX. After applying for an auto loans, I was informed that I was required to purchase an auto from a XXXX XXXX recommended auto dealer. This type of bank tie-in appears to be a conflict of interest for XXXX XXXX which I assume is receiving economic benefits from the dealers. I consider this a form of predatory lending and a violation of fair credit. 



Sincerely, 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 2018-11-02
Company: WELLS FARGO & COMPANY
State: FL
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 opened a credit card with Wells Fargo 8 months ago. This credit card offers zero percent for 15 months. I received a credit limit of {$7000.00} and I have used {$4600.00} of it. I have never been late. I have only been making my minimum payments because it is a zero percent credit card and I was not in a hurry to pay it off. I was focusing on other debt which does charge interest. Wells Fargo Lowered my credit line to {$4800.00} because I was only paying my minimum payment. I feel like this is very unfair because I have never been late and their decision to lower my credit will impact my FICO score negatively. I feel that they are judging me because I am a XXXX and automatically assume that I will be most likely to default and thats why they reduced my credit limit. I have banked with them for over twenty years and they see my transactions and my activity. There was no reason for them have lowered my credit limit.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
These inquires were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
I did not authorize this company " Portfolio Recovery Associates LLC '' to report this on my credit report. Under the FCRA 15 USC 1681b ( 2 ), they have violated my rights yet again. I had this removed off of my report and now it Is back on. 

15USC 1681b ( 2 ) states " In accordance with the written instructions of the consumer to whom it relates. '' I want this removed from all of my credit reports, Ceased & Desist ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: IA
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:
To Whom It May Concern I have a fraudulent Hard Inquiry on my personal credit report. The error has been generated by the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX posted as of XX/XX/2020. I have contacted the company repeatedly to no avail. I have been a victim of identity theft and clearly this is fraud. I have never had dealings with this company. I have disputed this both with Equifax and with XXXX XXXX XXXX and keep getting the runaround switched from department to department never to get resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I requested PMI removal from my mortgage servicer newrez LLC. 

The company has been dragging their feet refusing to give me true updates. I have waited weeks for them to drop my PMI as my loan to value is below 80 %. 

I have contacted the company multiple times and spoke with a supervisor who said the due date for the notification in regards to PMI removal was XX/XX/. The supervisor also said they would give me a call back which never happened. I have reached out to customer service and keep being told they are working on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$28000.00} ; XXXX****Balance : {$35000.00}

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 2022-12-20
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX. I received a notification that there was a hard inquiry from XXXX XXXX on my credit report. I do not have an account or never attempted to open an account there. I have reported a similar issue with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MN
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:
Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the FairCredit Reporting act. The list of the account above has violated my consumer rights 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 crime 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 be that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting that Experian and XXXX remove the account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX from my credit report. Please see the attached debt validation letter that was sent to the collection agency 2 months ago. Also, please find attached the original creditor statement verifying that they could not find an account with my name and the account number reporting. They also mentioned another collection agency as the owner of the account and a different balance. XXXX has since removed this account. Due to negligence and many FCRA and FDCPA violations I am demanding that this account is removed within 7 days. Please see the attached letters which are dated and time stamped for your records.

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 2023-08-28
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
Please consider this as refiling of my complaint to the DEPT OF EDXXXX for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the report with identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter to the bureau and to the company but they never take action. As I checked my credit report fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MI
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 2022-11-16
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
hope this letter has correctly found itself within your complaints/fraud department as it is essential to me that yo become aware of the ordeal I have had to go through. 
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  Trading Marketing ( the " Fraudsters '' or the " Company '' ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent " investment services '', all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
It should be noted that the companv is a client of vours, owner of wallet : XXXX XXXX The scammers were committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet in the total amount of XXXX XXXX utilizing your services and under your authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had calls from Commonwealth Financial Systems going back 4 years for someone I dont know. 
Telling Commonwealth Financial Systems that I am not the person they are looking for does no good. 
Does anyone monitor these idiots or are they simply allowed to run amuck harassing whoever they please. 
This is absurd. 
Is there no oversight in your industry? 
I cant be expected to change my phone number just because these incompetents at Commonwealth Financial Services dont have the brains to get their contacts correct. 
I can not magically become this XXXX XXXX they claim owes them money from XXXX XXXX. 
I have parents in the mid XXXX and cant be expected to change my phone number to make this rogue company happy. 
Am I expected to take a XXXX  DNA test to prove I am not the one they are looking for? 
I am sick of their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a complaint regarding to Barclays XXXX XXXX credit card ( XXXX XXXX : XXXX ). Due to coronavirus, I can not go shopping by using the card. Barclays sent me a letter saying that Barclays closed this account due to inactivity. It is fine for me. However, Barclays does not want to pay the {$2.00} remaining balance in the cash rewards by giving excuse of needing reaching {$50.00} to be able to redeem rewards. It was Barclays who closed this account, not me. Therefore, I believe that Barclays should give the leftover balance to customers, instead of giving excuse of needing reaching {$50.00} to be able to redeem rewards. 

I have contacted Barclays customer service number XXXX for multiple times ; however, Barclays does not want to pay the {$2.00} remaining balance in the cash rewards by giving excuse of needing reaching {$50.00} to be able to redeem rewards. The last time was XX/XX/2022 with a supervisor named XXXX XXXX XXXX ID : 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 monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting on my credit file inaccurate information on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX as Seriously Past Due, Balance Past Due Amount {$930.00} as of XXXX XXXX, AND reporting under same Collection PAID OFF.

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 2022-09-01
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX Paid with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX " PAYPAL XXXX XXXX on {$400.00} Transaction ID XXXX I canceled transaction and never get refund

Company response to consumer: Closed with explanation