BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Bull City Financial Solutions, 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:
Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instrctions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified I had a {$700.00} collection on my credit report. When I looked into it XXXX a collection for a utility company out of XXXX, XXXX. When I called them they said a woman used my social security number to open an account. I am going to their process now which includes this complaint and a police report was filed. I do not have any property in XXXX, XXXX  where the utilities were shown to be hooked up. I called the company in early XXXX to get this remedied, but need this complaint to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I filed a dispute for {$280.00} 2 days ago and it posted to my account. I was told I will get a temporary credit for {$280.00}. Once it post to my account..That didnt happen I was on the phone for about two hours. In the end, they said we can not apply it to the available credit. I told her she is not correct. So basically I have to wait 90 days before the funds are released. So basically I have {$25.00} credit limit until the investigation is over. System will not allow me to make a payment more than {$26.00}. This is not acceptable, and this is very unacceptable. And also when I applied they told me a {$700.00} limit and that was their offer to me only $ XXXXwhen they mail the card to me. Capital one is not following the terms and conditions of the terms. And after five months of having the card they said they will extend credit to {$500.00} that did not happen. This card is not really giving me any benefits and limit is low. My other credit cards are around {$2000.00} to {$4000.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Westlake Services, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : WESTLAKE FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Reason : Identity theft Please remove it from my credit 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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$140.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX  # XXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my XXXX XXXX and XXXX be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: LA
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:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: LA
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 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 2021-03-08
Company: CITIBANK, N.A.
State: AR
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:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2023-10-08
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: Old information reappears or never goes away

Complaint:
In XXXX of 2023 and on XX/XX/XXXX, I requested an increase on my XXXX credit card, an increased credit amount on my XXXX XXXX  XXXX Credit card, a car loan from XXXX XXXX, and a credit card with XXXX. TransUnion is reporting hat " Proportion of balances to credit on bank/national revolving or other revolving accounts is too high, Amount owed on revolving account is too high, and length of time accounts have been established '' are false/inaccurate statements showing on my credit report. And according to Title 15 subsection 1611, False and misleading denial of credit, this is illegal. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial. 
Because of the misinformation and disinformation, TransUnion has caused several denials to credit and loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: FIRST MIDWEST BANCORP, INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account on XX/XX/XXXX to qualify for a {$300.00} sign up bonus based on the following terms : " First Midwest is offering a bonus of {$300.00} when you open a new checking account and complete the following requirements within 60 days of account opening : Make 10 debit card transactions of {$25.00} or more Make deposits totaling {$2500.00} or more Enroll in online banking and e-statements Check your account balance on our mobile app Once all requirements have been met, a {$300.00} bonus will be issued as a credit to the account approximately 120 calendar days after account opening in branch or online. '' I made a {$2500.00} deposit on XX/XX/XXXX, enrolled in online banking and e-statements upon signing up in XXXX, logged into the mobile app to check my balance on XX/XX/XXXX, and completed my ten debit transactions of $ XXXX on XX/XX/XXXX. 

I messaged the bank on XX/XX/XXXX asking when I might expect to see the bonus. They told me I would need to speak to a customer care agent, and subsequently an agent escalated the issue to her supervisor on XX/XX/XXXX. 

I am now on day 134 since opening the account, with no sign up bonus posted.

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 2023-01-03
Company: Bread Financial Holdings, Inc.
State: WY
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:
Comenity bank. Company calls multiple times per day asking for payment, have recieved 20+ calls in the last five days, they also have started calling from " private number '' when I have stated to the company I currently do not have the means to pay said bill due to financial hardship. It is harrassment at this point. My payment due is only {$32.00}, so this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$6900.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.

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 2022-01-22
Company: Experian Information Solutions 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with Bank of America. I am now retired and have a reduction in income. I am requesting a modification review. I submitted the modification packaged at the end of XXXX. I have been updating documents for the past 60 days. I made one simple mistake on the RMA and can not get BofA to look at the correction and send my file to the investor for a decision. BofA is simply not allowing my file to move forward and keep asking for the same documents that do not exist. I have sent in multiple letter of explanation to try and correct and nothing gets resolved. This is beyond dysfunctional and I feel like it is predatory lending.

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 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America Mortgage Loan Rep. XXXX XXXX # XXXX ( XXXX ) took a loan application for an FHA mortgage ( home purchase ) on a house in XXXX, Michigan. After reviewing the application he verbally stated that the loan would probably be approved. If not approved any fees charged by Bank of America would be refunded. {$650.00} was paid to B of A on XX/XX/2019 to start the approval process. I responded promptly to all requests for documentation requested by B of A. Subsequent to this Mr . XXXX informed me that I would not qualify for the mortgage based on the nature of my income, which was considered " commission '' for underwriting purposes. I work for XXXX as a XXXX XXXX. They guarantee me either a minimum amount of income or 50 % of my total billings. I also get significant tip income which is 100 % kept by me. I have consistently exceeded the minimum since I started one year ago. For informational purposes, I took my application to XXXX XXXX and was approved for an FHA loan in the same program with the same underwriting information. I have since purchased and closed on the home. 

Of the original {$650.00} taken by B of A, they refunded me {$280.00} on XX/XX/2019. This still leaves me {$360.00} short. When I asked Mr . XXXX for these funds he told me it was for an appraisal and would not be refunded. This seems unfair for the following reasons : 1. I was told I would get my money back if turned down for the loan.

2. I was turned down for reasons not related to the appraisal. Why was the appraisal even ordered if I was going to be turned down regardless? 
3. XXXX had no trouble securing approval for an FHA loan, which makes me wonder about the competence of B of A underwriters. 
4. The appraisal by B of A was ( according to XXXX ) not properly completed. I had to pay XXXX to have the appraisal redone. 
5. Bank of America 's inability to process a loan that their competition had no problem underwriting almost cost me the opportunity to close on our first home.

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