BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I do not have a Bank of America account or credit card. I keep getting a phone call for charges on my Back of America account. 
This is the phone number that keeps calling me. 
XXXX. 
I told them I was calling the police and they hung up

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 2020-08-11
Company: EQUIFAX, 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:
Equifax is reporting a fraudulent account that was a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: AMERICAN EXPRESS COMPANY
State: VT
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:
They charged me a annual fee without my knowledge or consent! I had already frozen my account 2 weeks prior to them adding the feed to my account. The reason I had Frozen it was because of their customer service and the unknown charges prior to AMEX even putting the charge on my card. 
Thank you for your help with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2023 received a collection letter from I.C. Systems Inc. dated XX/XX/2023, concerning an alleged debt owed to XXXX XXXX, that they are trying to collect {$930.00}. I had to respond to their collection letter by XX/XX/2023, disputing this alleged debt. 
Accordance with the Fair Debt Collection Practices Act, I sent them a disputing letter dated XX/XX/2023, to this debt requesting specific information that would show that I did or didnt owe this debt. 
The disputing debt letter was sent to I.C. System Inc. via Certified Mail XXXX on XX/XX/2023. I received my green return receipt card back with a date of receipt stamped XX/XX/2023. 
I never received a response to my letter, I called I.C.Systems Inc on XX/XX/2023 and spoke with a XXXX XXXX and informed him of my sending the dispute letter via certified mail and it was received on their end on XX/XX/2023 and that I had received the green return receipt but no response to my letter. He would look into it. 
On XX/XX/XXXX received notification from different credit monitoring sites that a collection account had been added to my credit reports.

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 2019-06-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity Bank emailed me a notification of the minimum payment due on my XXXX Credit Card account ( 10 days before the payment was due ), and also indicated that minimum payment amount by XXXX on their web payment portal ( I did not type in a custom payment amount ). I paid that amount and thought my account was in good standing, until I received a notification from my credit monitoring service that Comenity Bank had reported my account as >30 days late. I have 20 years of credit history, 12 with that card, and have never had a late payment. I called them to ask why they had reported me, and they said that the minimum amount that I owed was actually higher on my paper statement than was indicated in their email or on their web portal because I had returned some merchandise in the interim. I asked them if they would be willing to revise their report to the credit bureaus given that 1 ) it was easy to see how I could have been misled by their emails and web portal ( especially since I have opted out of paper statements and only receive electronic notifications ), and 2 ) the amount of returned merchandise could also be seen as more than sufficient in terms of " minimum payment. '' They have refused to acknowledge any part in misleading me or to help repair my credit rating ( which has dropped 100+ points ), but are happy to charge a {$38.00} late fee and an egregious 27 % interest rate on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TN
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo knew full well from their internal data that they were going to reject my application for a credit card that they advertised to me online. The listed their reason as accounts with Wells Fargo were not paid as agreed. This is from several years ago a XXXX XXXX XXXX 

Instead of just denying my application which they knew they would do they had me unfreeze my credit report and then they did a hard pull on my credit which showed that I now have excellent credit. 

Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary. 

There was no need whatsoever for them to put me through unfreezing my credit and then enduring a hard pull on my credit report. 

Again I emphasize that Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary.

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 2022-11-29
Company: EQUIFAX, INC.
State: FL
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received validation or verification of this debt.

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 2020-08-11
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: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX  is reporting an illegal inquiry on my Experian credit report. 

XXXXnquiry has no permissible cause, no loan or credit has been awarded. This a violation of FCRA rules section 1681.

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 2023-03-06
Company: EQUIFAX, INC.
State: NJ
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 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone called me claiming to be from Bank of America fraud prevention and said that a credit line was open in my name and someone was using XXXX to transfer money out and that I needed to go to my XXXX XXXX linked to my XXXX XXXX to enter some codes to block these transfers. I called XXXX and disconnected XXXX  from my XXXX XXXX. The person calleing and claiming to represent BOA kept calling back from the phone number : ( XXXX ) XXXX. They said I needed to call XXXX at : XXXX. 

I reported the case to the FTC as possible identity theft. The FTC identity theft case # is : 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 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
There are multiple unauthorized uses of my credit report that I did not approve or make, I have no association with these accounts that were trying to be opened. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reported XXXX XXXX as XXXX, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. Jefferson Capital Systems now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It has come to my attention that Discover has denied me credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me via email which is an adverse action pursuant 15 USC 1691 ( d ) ( 6 ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Discover an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a loan application because banks can not loan money pursuant to 12 USC 1431. Furthermore, according to the FDCPA pursuant to 15 USC 1692j, therefore identified is noted to be deceptive. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report providing the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with respect to ANY aspect of a credit transaction as Congress states No credit card shall be issued except in response to a request or application thereof pursuant 15 USC 1642.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
ATTN : EXECUTIVE OFFICE AFFIDAVIT OF TRUTH Notice to all, I am that I am, the consumer in fact the natural person original creditor, lender, executor, administrator, holder, in due course for any and all derivatives thereof for the surname/ given name XXXX , XXXX , and I have been appointed and accept being the executor both public and private for all matter proceeding and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact so be it.

Where as, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, and I depose the following facts, so be it, now present : Fact, The FAIR DEBT COLLECTION PRACTICES ACT is intended to secure my right to privacy and my privacy has been breached so be it.

Fact, Pursuant to 15 USC 1681 ( B ) ( 2 ) I am requesting that your company produce a contract with my signature granting the permission to furnish these accounts to my consumer report. Pursuant to 15 USC 1681 no consumer report shall include factual information or credit transactions. Your company is in violation of Federal Law. Due to identity theft these fraudulent accounts have damaged my credit worthiness. 

I did not authorize the following accounts : - XXXX XXXXE - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - US DEPT OF ED/XXXX Fact, I am sure the removal of these accounts from your company records or any and all derivatives therefore of and or with any affiliates will ensure my privacy rights will not be violated again due to my lack of consent and this herein unrebutted AFFIDAVIT OF TRUTH being serviced to you today and therefore standing as truth in commerce so be it. 

Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your website in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it.

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 2023-03-06
Company: EQUIFAX, INC.
State: MI
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 : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notification of a shortfall in my escrow. In XXXX I made my regular payment ( or thou I thought ) I made two payments for the shortfall and my regular payment. My bill comes for XXXX and it is not adjusted. I call and I am on hold for 30 minutes and disconnected. I call again and was told I was being transferred and would not be placed on hold and put on hold for another 40 minutes. Finally I am talking to a representative of the bank and they say they can't tell me the exact amount owed for my payment. It will take 3 days for the back office to recalculate to include the escrow and then I have to call back and find out the payment. If these banks using the current technology can't tell me what my payment is how am I suppose to avoid late fees. This waiting on on the phone for hours is not acceptable. I am paying for a service and if they cant provide me with the service they need to pay me for the time I am sitting on hold.

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 2023-11-12
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not authorize for this creditor to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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 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 2020-08-11
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 fraud alerts or security freezes

Complaint:
Due to years of identity theft starting in 2016 ( that I am aware of ), my husband and I locked or placed a " freeze '' on our credit. Earlier this year, while trying to re-finance student loans, I tried to lift the credit freeze on my Experian report, but was unable to. When I went to reset my password for the online account, Experian automatically sent a reset link to the email address associated with the account. However, the email address was unfamiliar to me. I called Experian immediately and was told there was nothing they could do. A few weeks ago I tried to access the account online using a previously issued PIN but was unable to, and was instructed to send in a letter, picture ID, security card, utility bill, etc in order to access my account or lift the freeze. Someone has been using my identity to obtain credit, and Experian is allowing it, and putting the burden of trying to fix and re-secure my credit on me. The account should have never been hacked in the first place.

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 2019-02-09
Company: EQUIFAX, INC.
State: NJ
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:
ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO XXXX, EQUIFAX AND XXXX AND the scope of the dispute outlined on a CDV WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX/MODE Account # XXXX PO BOX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX XXXX Account # XXXX PO BOX XXXX XXXX XXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
on XX/XX/XXXX and XX/XX/XXXX Trans union is reporting inquiries from companies I never tried to receive credit from and I do not recognize. 
XX/XX/XXXX : XXXX? XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  I have contacted the companies and they have no records of me applying for credit nor do they have any accounts open in my name. They directed me to contact Transunion. I have called and wrote and they still haven't removed these fraudulent inquiries

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