BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: Information belongs to someone else

Complaint:
XXXX was reported twice as hard inquires on my Equifax Credit Report. I have never requested credit or loans from this establishment whatsoever. Both occurrences of the hard inquires were generated on XX/XX/2022 as well as XX/XX/2022 as per the Equifax report. I h need these hard inquires removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: DC
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:
I was on active orders during XXXX XX/XX/2023 and XXXX XXXX XXXX  during this time reported my account as past 30 days due. I was financially restricted however I did have a payment setup as they would call me and I would make the payment. They never called or notified however they knew I was on active orders during this time. The next week I called and paid the balance in full, that same month they reported my account as 30 days past due. Afterwards I reached out to them on XX/XX/XXXX regarding it to be removed, then again XXXX XXXX. Nothing has been done and no fix was made.

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 2019-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Bank of America N.A. Closed 2 of my Long term Credit accounts which I have had with the Bank for over 5 years. I received a letter in the mail a few days following detailing the reason why this action was taken. In the letter I received, Bank of America claimed that due to my action of adding " Authorized Users '' onto the account I was subsequently shut down because of this action in line with other " Economic Trends '' I have been a customer with Bank Of America for over 5 years now, since high school as a matter of fact. It was my first credit card with the bank which also was the longest running credit line in my credit profile. I called the Institution to question their motive when this decision was made. I was not given a specific reason despite my long tenure with Bank of America. Aside from the frustration, One of the cards is supposedly still open with the bank however, I can not use the line of credit, Will have to pay interest and fees yet the product itself is unavailable for me to use! In they're terms Of Service agreement, Bank of America States you may have up to 10 Authorized Users on a given account. 

I did not have nowhere near that number yet the bank decided I was too much of a risk despite my long history with the institution. It is woefully ignorant in this modern age for a Bank of this stature to not even so much as Call or text the customer given this decision. I am at a complete loss as to why this bank would do this when I have never had a single late payment and never have had any other issue in the past.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The company, TRANS UNION LLC, has been notified that the account transaction furnished by XXXX XXXX is a result of identity theft. The company willfully failed to block and permanently delete the account transaction within 4 business days. In the meantime my access to credit is being hindered because of the fraudulent transaction. 

The company has also failed to provide me with any proof that I gave written consent for my nonpublic personal information to be used.

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 2019-04-22
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a deposit to my Key checking account in the amount of {$19000.00}. On the same day Key Bank took the entire amount from my account and transferred the entire amount to an unused credit card account from a different bank. 
Their customer service was nonexistent and XXXX. They said all they could was file a fraud claim. This is ridiculous because this was obviously a bank error and they probably don't know what they did and now refuse to return the money until after the fraud examination which takes a long time. 

This is the third time I have been forced to go through the fraud exam started by Key Bank because of their incompetence and lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: UNITED COMMUNITY BANK
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 XXXX XXXX transferred a total of {$170.00} out of my bank account without my authorization, thus committing bank fraud. The amount consists of three transactions with the first in the amount of {$4.00}, then again Ten minutes later for {$4.00}, and last {$160.00}. All three transaction detail provide a phone number XXXX, however, the number is only for their members & you have to login to you account to receive a code in order to bypass the automation. Because I did not see these transactions until the following Sat. I could do nothing to stop them, as my bank is closed on the weekend, I did report my debit card stolen and was advised that is was my debit card number that was used to in all three transactions, not my actual bank account. I also was advised that the money was transferred using a cell phone app, XXXX XXXX, and it appears to have been transferred using an email address. That's all I could get from my banks debit card hotline #. 
I immediately contacted XXXX via their customer support email, ( b/c there is no known telephone # ) and although there has been some response, nothing that is of any use or helpful. 
Early in XXXX I had to place a fraud alert on my credit due to suspected ID Theft, this fraud prompted me to check, and upon checking my credit report I realized I am not only a victim of Bank Fraud but ID Theft as well. 
Based on the XXXX XXXX, & XXXX XXXX XXXX Terms & Conditions, they should have validated this account & their Registered user. Had they done this as per their terms they would have been able to identify that this debit card did not belong to their member, or was it authorized to be used by their member. 
If they do not currently have security provision in place for the XXXX XXXX, then many Americans are & will continue to be at risk. 
XXXX this and there are many Americans that have been victim to XXXX XXXX debit card fraud, over the past few years, AND NO ONE IS STOPPING THIS COMPANY, they are allowed to transfer money using a cell phone, tag name, debit care # & email, where is the security? 

I filed a police report & the investigator advised me that he is familiar with XXXX XXXX, my little town, that's terrible. But even more I have been treated like a criminal, I'm completely broke, I'm unemployed, and have to wait 10 days for my bank to return the stolen money.

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 2023-03-29
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/, at XXXX XXXX XXXX I returned a call to Credit Management phone number XXXX in which I was informed that she was attempting to collect a debt for Spectrum in the amount of XXXX and some change for an address I told her that I never lived at. The representative 's name was XXXX XXXX, asked her to provide Verification of debt as per fdcpa I have the right to request any paper trail on this debt in which she denied to do so and told me that because it is fraud that she can not mail me anything. i requested a manager or supervisor in which I then was placed on hold and never transferred per my request. I then was directed to the website to fill out a form to " cease communication '' but that still doesn't allow me to request any paperwork on this matter.

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 2022-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services, because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. My file has also been merged with someone born XX/XX/XXXX, This is a violation per FCRA. Equifax, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This has caused me tremendous XXXX, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: JPMORGAN CHASE & CO.
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:
I paid a retainer to a law firm on XX/XX/XXXX after having a XXXX call with several representatives of this law firm that said that they could offer legal representation on my family law court case filed in XXXX. After payment of the retainer fee I realized after talking and texting to representatives of this law firm that I was mislead to the services that I would be receiving and purpose of engagement could not be fulfilled and the issue was not addressed that I already had another attorney that they did not contact as they said they would. 
I used four different credit cards to pay this retainer. I filed a dispute with the 4 different credit cards and two of them were with Chase. One credit card I used was an XXXX XXXX XXXX card and the dispute was final with a provisional credit issued to my account. When I filed the dispute claim they said it was good that I paid with a credit card. 
I have been speaking with several representatives from Chase over the course of the last few months.. I was thanked for being such a good customer a few times. I sent in documentation as requested which was really just my pleas to possibly get this law firm exposed as a scam. 
I have heard different things during this process - my fee paid non refundable ; significant time has passed - merchant not required to credit, took place too long ago ; bank not allowed to file claim ; and the merchant made services available for my use. 
I asked for an invoice from the law firm that is supposed to be provided if there is a service rendered and then deducted from the retainer fee but that can not be provided because there were no legal services provided. 
I even contacted XXXX to file an arbitration claim which is in the Chase cardmember agreement but never heard back from them. 
My last discussion with a supervisor in Chase 's dispute department uncovered that Chase has no process in effect to dispute lawyer fees paid. 
I have received recorded calls from Chase to pay my past due balance with includes late fees and interest charges on one account where the dispute is now closed. The other Chase account dispute is also closed but I have not been billed a late fee or interest charges and there has been no contact to pay my past due balance. 
My account has always been paid on time and with full balance paid each month but I now have a balance of just the disputed amounts and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know where the charges occurred from. I closed my account right before I got XXXX  in 2018. I was charged fees after I closed account. I don't know if someone used my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Global Credit & Collection Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was called on XX/XX/19 and the caller would not identify themselves from the company name or any info regarding the call. the first call was at XXXX p.m. When they called back and I told them to stop calling the lady told me XXXX XXXX listen to your voicemail. She then called back and said we are proceeding with your case I was called at XXXX, XXXX XXXX, XXXX, XXXX, XXXX and finally at XXXX p.m. pm I have call records that can show these calls. My voicemail stated : I have a claim number XXXX and I have been officially notified to contact XXXX, that I am being granted the opportunity to contact the firm handling this so I can discuss the matter. Again no company name. The lady then proceeded to call my aunt and state that I had XXXX minutes to call her back because I did not show up for a court case I was summoned to and then changed her story to say I knew what it was in regards to and I was being sued for collections. The latest message today XX/XX/19 states that I know what the call is in regards to and I need to call the XXXX number which when I call back states it is Global Incorporated and I do not know if they are legitimate. According to consumer affairs they are out of business. However today again I was called XXXX am twice hung up and called back immediately left voice mail at XXXX and then called back the third time at XXXX am. Telephone harassment occurs when someone intends to annoy, harass, or threaten you by : ... making a telephone call without identifying onesself. making repeated telephone calls where the conversation consists only of harassment, or. making a telephone call and using heavy breathing or silence with an intent to intimidate. That is exactly what is happening here, a legitimate company should not curse and threaten you. I called them back several times and they continued each time I called them to ask them who and what they were they hung on me each time. The third time I called I was told XXXX XXXX you are not allowed to repeadetly call us and I will be served and she hung up on me. AGAIN, if you are legitimate and you see me calling why are you not answering who you are. Why would I give out any information to a company who will NOT state who and WHAT they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt on my credit because an apartment that I rented when I live in Arizona. The company after contact me several times give me an option to pay. After I paid the amount we accord they will take out the collection from my credit. I paid the amount they told me on XX/XX/16 and the debt still on my credit as collection. I try to contact the lawyer who contact me several times and no answer. Also I call the company who give me the phone number of the lawyer office and when finally somebody respond they send me to call lawyer office because they can not do anything. As result of this I been trying to rent an apartment for me and my daughter and all application has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
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:
I, XXXX XXXX, filed a FTC report due to unauthorized inquiries on my credit report. You are in violation of the FCRA for failure to remove inaccurate information from a consumer 's credit report. Furthermore, this is also negligence, and I would be able to argue this in court. I am again demanding that the following information be removed from my credit report within 30 days. Please see the attached FTC report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.

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 2023-01-27
Company: EQUIFAX, INC.
State: AL
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 recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reports a 30 day late without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]

Company response to consumer: Closed with explanation