BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received email notification from Bank of America that there was a new application related to my name/social security number. There were several emails and I received them beginning at XXXXXXXX XXXX EST on XX/XX/2023. I looked up the fraud department number on the BofA website and contacted them at XXXX EST on XX/XX/2023. I verified my information and it was confirmed by BofA rep XXXX that an account had been opened using my information. He emailed me something related to fraud protection and advised that he was closing the fraudulent account. I thanked him and then I was placed on hold. I waited on hold for approximately XXXX minutes. I then spoke to BofA rep XXXX who once again verified my information, but advised that the account was NOT closed and that she was taking steps to actually close the account. XXXX not sure how someone was able to successfully open a bank account in my name without the emailed confirmation code, nor the correct address. I am also still not confident that the fraudulent account has truly been cancelled by Bank of America.

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 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened in my name at Bank of America on XX/XX/2022. I have contacted Bank of America and had the account closed. However the Frauder used a previous address to open an account and I have not lived there for 4 years

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 2023-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. 
OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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:
XXXX, XXXX and Experian has violated my federally protected consumer right to privacy, confidentiality and agencies not reporting 100 % accurate information under 15 U.S.C 1681. 
Since l submitted Since l submitted complaints to Consumer Financial Protection Bureau ( CFPB ) Complaints XXXX for XXXX ID # XXXX, Experian ID # XXXX and XXXX ID # XXXX the agencys has reach out to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  which is three out The several reporting companies l complaint to CFPB on XXXX concerning reporting inaccurate informations. The companys had changed their information to corrected the information reporting and sent the information back to XXXX, Experian and XXXX. Over the past several years l have disputing a lot of the inaccuracies information with the companys and credit bureau agencys until l filed the complaints with the CFPB thats when the Credit Bureau and Companys is now starting to correct the inaccuracy information been reported by the companys. Im uploading he changed they made because l filed the XX/XX/2022. There are several more companys that l addressed in my complaints on XXXX waiting to hear from the credit bureaus when changes going to occur. The inaccuracy information had impacted my life and Improper use of my report l did not give the Credit Bureaus written permission to furnish my account or my information. I have the right to privacy 15 U.S.C 1681.

Improper use of my report and furnish inaccurate information has violated my right. 15 USC 1681 section 602 A. States l have the right to privacy. 15 USC 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedated the report by more than Seven years. 15 US C 1681 s-2 ( A ) ( 1 ) A person shall furnish any relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Im demanding that the accounts in the complaints ID # XXXX, # XXXX XXXX and # XXXX XXXX be permanently and immediately removed from my report in accordance with 15 USC 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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This information is ruined my life and Is affecting my family I am not able to buy e home from long time because of this issue

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 2022-11-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-08
Company: Continental Finance Company, LLC
State: ID
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 this card in XX/XX/XXXX since then I've had 3 payments to make XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. In both XXXX and XXXX of XXXX I have received numerous phone calls and text messages from the company stating to call them immediately regarding my account. The exact message reads " It is important you contact us regarding your XXXX XXXX. Click ( link to payment website ) or call us at XXXX. '' Not to mention the numerous phone calls from " potential spam '' numbers if my payment is not made or scheduled by the 8th of the month. However my due date is the 11th of the month. I contacted them today before filling out this form to complain and state that I did not want any more of these types of messages unless my payment is past due or missed. The person on the end of the phone just kept asking how I was going to make the payment and when I was going to make the payment as well as giving me my payment options before saying " I'm making a note of these payment options on your account '' not really taking what I was saying and doing anything with it. At this point I feel they are doing debt collecting practices on something that isn't even in collections.

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 2023-04-07
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 2023-02-16
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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 1692 CXXXX Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

1. ) NCB- Is reporting on my XXXX credit report that on XX/XX/XXXXXXXX  there is a collection amount of {$13000.00} 2. ) XXXX XXXX XXXXXXXX XXXXXXXX XXXX- Is reporting on my XXXX credit report that as of XX/XX/XXXX there is a collection in the amount of {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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've disputed account numbers : # XXXX + # XXXX ] With the collections first requesting for validation of the debt and HIPPA authorization, and received letters back rejecting my dispute. My next step was to reach out the bureaus which they've also refused to comply with my request in dispute. 

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 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. They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.

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 2023-02-08
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 discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate these reporting accounts as unverified information. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is regarding alleged reference number XXXX. Since XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and Californias Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the none sense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending ONE statement without bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a XXXX  debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. 
They have violated FDCPA, Californias FDBPA and FCRA. 
PRA have reported a negative trade line to my credit files without sending a notice to me that I could exercise my legal rights as a consumer.

PRA have failed to provide documents based upon FDBPA of California. 
PRA have reported that this account was opened on XX/XX/XXXX, this is fraudulent claim. PRA is Reaging this alleged claim in clear violation of the law.

PRA have received my demands via USPS ( Address Service Requested ) and fax numerous times. 
PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member XXXX XXXX XXXX. 
PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit collection services is in Violation of my privacy. 
pursuant to 15 usc 1692e ( 11 ) I never received any notification or certified mailed documentation from Credit collection services about the alleged debt they are trying to collect on. This is the third time this corporation has tried to collect an alleged debt from me. The previous 2 were in fact deleted. A deletion is basically admitting your at fault.

cCedit collection services are in violation of 15 usc 1681 due to obtaining my non-public personal information.

Due to receiving text messages I did not opt into Credit collections services is in violation of 15 usc 1692 ( d ) ( 5 ) This company has defamed my character I have not been able to obtain anything I extend my credit to due to this corporation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: CA
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service,
or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXXXXXX  Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: AR
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 have sent several documents highlight the inaccuracies on my accounts and the company has failed to fix these inaccuracies and it is effecting my credit score in a negative manner causing me hardship and hindering me from completing the final step of getting my home loan. I demand that all inaccuracies are REMOVED IMMEDIATELY!

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXXXXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} XXXX XXXX {$500.00}

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Billing dispute for services

Complaint:
On XX/XX/XXXX I got approved for a {$500.00} Credit Card from XXXX XXXX. I have been using this card for a while until I noticed when it's time to make a payment I'm not able to. Every time I log on to the XXXX XXXX App it says " We can't access your account information right now, but we're working on it. '' I've even tried calling them to make a payment and after talking from XXXX person to another to get everything resolved they're not able to make a payment as well because my social security number is incorrect. It's under a different social security number. The company wanted me to mail them a copy of my social security number and my Drivers license to update my information on the account which I have done that but hasn't yet been resolved. As weeks and days goes by they are constantly sending me emails and letters stating that I have payments that are due by XX/XX/XXXX and I owe {$380.00} and I'm still not able to make any payments. My credit score has dropped and I've been having this issue since last year and it hasn't yet been resolved.

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