BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
No or around XX/XX/XXXX. I contacted XXXX costumer service or what I thought was XXXX customer service. After explaining the reason for my call I was Transferred to a supervisor, and was told there was suspicious activity and my account. And to rule me out the need to verify my IP address. By creating a dummy account ; in which to trace the fraudulent accounts. I was instructed to send funds through XXXX in the amount of {$1400.00}, {$1500.00}, {$500.00} and {$1900.00}. The {$1900.00} I tried to cancel but was unable to do so. The funds was sent to a XXXX. Which I thought was to track and verify my IP address. And the transactions would be reversed. I was advised to act knowledge and verify each transaction so I did. I explained all this to Bank Of America, on the XXXX. Of XXXX. When I filled a claim. I do not know anyone name XXXX. And this was an way to trace the false accounts by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX states I have an account which is showing on my Experian credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Experian credit bureau and the account is still on my credit report after disputing three times. Experian says their dispute results are verified when they can not be because the credit collection company can not verify this information. I have received correspondence from XXXX XXXX that I am a victim of identity theft and completed the necessary steps on their website with no response. I would like this account to be 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit inquiries on my Credit Report. XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit inquiries on my Credit Report. XXXX XXXX  on XX/XX/XXXX, XXXX 's XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit inquiries on my Credit Report. Transunion XXXXXXXX on XX/XX/XXXX, XXXX 's XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2017-09-29
Company: C&F MORTGAGE CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
C & F Mortgage Corporation and/or XXXX and XXXX XXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) husband and wife as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximately XX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXX, the officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXX-XX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX Descendant 's hereby certify by Champion Member, XXXX XXXX XXXX ( granddaughter ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 ) The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX Descendant 's. Therefore, the XXXX XXXX XXXX XXXX Descendant 's hereby declare that C & F Mortgage Corporation and XXXX and XXXX XXXX XXXX XXXX, Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( 4 ) The XXXX XXXX XXXX XXXX Descendant 's were not provided access to copies of the consent order entered by the Court in the United States v. C & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, husband and wife and/or XXXX XXXX XXXX XXXX Descendants. The descendant XXXX XXXX XXXX is a resident in XXXX & XXXX County, however, the response in the prior closed complaint by C & F does not reference that action taken against XXXX XXXX XXXX or her property by officers, employees, successors, etc. of C & F or the XXXX XXXX heir property belonging to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CITIBANK, N.A.
State: OH
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 XXXXXXXX XXXX.

Macy's/DSND XXXX XXXX XXXX XXXXXXXX Is a incorrect inquiry 's on my report that should not be there because I did not try to authorize this account and would like them removed!

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 2017-09-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Experian twice, once in XX/XX/XXXX and XX/XX/XXXX. On my credit report it still showing that I owe {$950.00} to XXXX XXXX, XXXX/XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX, ( XXXX ) which is a debt collector for XXXX. XXXX has reported to the three credit agencies that I owe {$950.00}. I appeared in court three times with my supporting documentation proving the bill was paid. I also sent the supporting documentation from my bank listing every payment that was made to XXXX XXXX XXXX, XXXX. I submitted my supporting documentation from my financial institution to both XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. Each time I appeared in court, XXXX and XXXX, XXXX XXXX XXXX, XXXX, Illinois for XXXX XXXX did not know any information about my case, but still made me appear in court three times. On XX/XX/XXXX, the Circuit Court for the 19th Judicial Circuit in XXXX County dismissed my case. The judge, XXXX XXXX dismissed my case and reimbursed me my court fees of {$130.00} by XXXX and XXXX. But the credit reporting agencies still shows that I owe {$950.00}. Also, I filed disputes with all three credit agencies. Two of them removed them, but Experian has not. Experian has sent me information in XX/XX/XXXX and XX/XX/XXXX that their investigation is compete and has not removed this from my credit report, but have not given me any documentation that proves that the investigation is complete. My case number from the court in XXXX County Illinois is XXXX XXXX XXXX filed XX/XX/XXXX. The original amount of the purchase was {$100.00} on XX/XX/XXXX to XXXX XXXX, but the bill was paid for {$950.00} and was paid in full. I would like to file a complaint against Experian, XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX and XXXX, XXXX XXXX XXXX, XXXX, Illinois.

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 2017-09-29
Company: EQUIFAX, 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:
I am extremely concerned about Equifax 's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a {$10.00} fee to freeze and unfreeze each one of my credit reports. What 's more, these credit bureaus do n't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99 % of the identity theft. Currently, it does n't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay {$20.00} to attempt to access a credit report, it would cut down that activity significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today, XXXX XXXX, 2017, I logged onto my checking account from my home computer and viewed my transactions. I wanted to print out the front and back of a particular check for my records. This did not work. I went to their FAQs and there was no answer there for my problem. After 10 minutes on the phone with their automated telephone system for handling online checking issues which had no telephone menu item related to my question and which put me on extensive hold, I called the branch office I use. 
They told me that I have to come in physically to a branch and have the check printed out there. This is outrageous. I am XXXX and not able to drive today. It used to be the law that banks had to send the customer the canceled check with his/her statement each month. Then the procedure ( law? ) changed and banks did not send the canceled checks but told the customer to go online to their statement and print out the canceled checks from there. Now Wells Fargo is refusing to do let me print out the canceled checks for my record and they are not sending me the canceled checks either. This is interfering with and delaying the customer 's ability to have accurate records. I would not be able to go to court to prove what happened with a particular check or show a merchant.

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 2017-09-29
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a charge on my XXXX XXXX card from a vendor I was unaware of. I may have approved charges in the past but I did not approve the vendor to post the charge in question on this card. 

All of my Barclay cards were set to auto pay except this card which was rarely used. A subsequent late fee, interest charge was placed on the account. I called and spoke to a rep who understood the situation as I was overseas at the time this happened. The rep from Barclay told me the following would be done : late fee removed, interest removed and any notation on my credit report that I was late or delinquent with any payments. The rep advised me that this would be cleared by early XXXX My credit report still shows the delinquent late payment. I called on XXXX and spoke to operator LASTME ( Escalation agent ) who was not cooperative. He stated that he would not remove the late fee notation on my account.

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 2017-09-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX I owe bills which is showing on my Transunion credit report as a collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the collection is still on my credit report after disputing Five times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information.

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 2022-04-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was contacted by the local branch manager of Truist Bank offering to increase my home equity line of credit, so I applied for an increase more than 93 days ago! I returned the signed disclosure statements to the local branch manager on XX/XX/XXXX. I have emailed the local manager four times with no response. I have filed 7 written complaimts to their Customer Service. Only two of those complaints were responded to but the representative only promised to " get back with me '' which they never did. I tried calling their loan department but only get computer generated response asking for a loan number and ofcourse my existing loan number was not accepted. You have no option to speak to a representative. Phoning the local branch did not produce any answers as to why it is taking so long to process.

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 2017-07-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient does not give a clear path to find your monthly statements on the website. I need documents easily if they want us to be paperless. This information is hidden and unattainable. I have to call to get documents. Tonight I have spent 45 minutes trying to find where statements are located with no success and it is too late to call to get my document sent. This should not be a difficult document to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a letter of Debt Collections in the mail from XXXX XXXX XXXX XXXX requesting a debt of {$380.00} that is now in collections from a fraudulent account with PayPal that was created in XX/XX/XXXX. My legitimate PayPal account has a {$0.00} balance and I had no knowledge of any negative balance or debt owed. I called PayPal on XX/XX/XXXX to report this as fraud and my case is active at the moment. During this call, I learned that the fraudster used my SSN and name to generate an account under an email that does not belong to me. PayPal did not send me any written, telephone, or electronic correspondence to me regarding this account creation, transactions, or debt owed when they had my information on file already from my legitimate account. They failed to protect me as a consumer and exercised gross negligence in preventing fraudulent activity on their platform, evidenced by my case and the countless postings online of the same nature. My time, financial wellbeing, and credit worthiness all have had an impact by PayPal failing to notify me of any new creation of an account or debt owed, and reporting fraudulent activity to a debt collector. I am demanding that PayPal never open any accounts using my SSN or other personal information and that this fraudulent debt be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2.

The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to Transunion XXXX, XXXX XXXX  XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX XXXX XXXXXXXX ( Only reported to Transunion & XXXX XXXX, XXXX XXXX XXXX, ( Only reported to Transunion & XXXX ) XXXX XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX RE XXXX, XXXX XXXX, XXXX XXXX ( Only reported to Transunion & XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to Transunion & 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 2017-09-29
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have many unauthorized ATM transactions on my checking account. I filed a dispute with Citibank. The person I was supposed to contact was never in when I called, and vice-versa. We played phone tag and then she apparently just gave up. My claim was denied because of this, over {$3000.00} of bogus charges. My days are often spent in the hospital for treatment and I 'm not usually around during normal hours. Also, I 'm XXXX and have to rely on XXXX XXXX. It 's frustrating to use. Now, the lady I was supposed to contact ca n't be the only person in all of Citibank that can help me. She could at least tell me what she needs from me so I can send it to her. I want this 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 explanation