BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: TN
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXXBalance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$390.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$230.00} ; 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 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 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 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 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 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 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 explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2021-01-30
Company: HW Holding, 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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX, I attempted to make additional payments of {$190.00} and {$64.00}. The XXXX system was unable to supposedly unable to process because of software problems. I assumed the payments had been canceled. Low and behold, the payments were processed and deducted from my bank accounts. I called a XXXX and explained the situation. She advised that payments would be credited to my account via ACH just as they were originally charged. Well, this was a lie. I called an spoke to another agent who advised that this was not their procedure and that a check was mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received said check. I called again and spoke to a 3rd agent. Her response was that it would take 10-15 day to receive via USPS. Seriously? I recently mailed a letter to XXXX that was received within ( 3 ) days. 

Is the XXXX check going around the world or being delivered via XXXX XXXX? After receiving the message that the payments weren't going to be processed, I applied this money toward other bills. I am now having to used credit cards to pay for groceries and other personal items. I explained this to Agent # 3. Her response was they could cancel the check and apply the funds back toward the account. She said they couldn't cancel the check and process another because it was not withing their time parameters. 

I told her they should cancel and either XXXX or XXXX me a replacement. This was not an option and if so, I would have to supply them with account numbers and billing information. Really? They inconvenience me and expect me to make payment? As a goodwill gesture, they should bear the cost of expediting a replacement check. So now I am supposed to wait for the original check to be delivered ( whenever that might be ). 

This is not the first time I have problems with XXXX FS. But, it will be the last as I am going to trade the XXXX for another brand vehicle. 3 purchases from XXXX and this is the treatment I receive. Unacceptable, but I am at their mercy, even if they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I have a major complaint/issue that I need help resolving. I will start from the very beginning. 

My dad passed away last XXXX ( 2021 ). His life insurance policy paid him out {$190000.00}. My mom was the beneficiary. My mom gave me {$70000.00}. I put {$40000.00} into the Citibank savings account. I then added {$8000.00} from my personal checking with XXXX. Then I added {$5000.00} from the same account. Well, when I added the {$5000.00} from XXXX, that was the week they changed over to XXXX bank. So account numbers changed. The deposit was denied. I wasn't sure if that was the reason why the transaction was denied, but that's the only logical reason I can think of. But something odd occured, the money got put back into my XXXX account, as it should, but my balance in my Citibank account reflected that the {$5000.00} was in fact deposited. I figured after a few days it would get deducted, as it should. It stayed there for about XXXX weeks. This was clearly a bank error. Then this week, they sent me a letter in the mail saying that my account is being closed due to fraudulent activity with the mention of the {$5000.00} deposit that was denied. That was the only thing mentioned. My account has been blocked for about XXXX days and I have no access to my money. 

I have spent hours and hours on hold with citibank, and transferred around with different people because nobody has any idea what they are talking about. Nobody could tell me why my account was flagged for " fraudulent activity ''. 

I finally got to talk to someone yesterday who gave me some information. He didn't tell me the reason it was being flagged, but he did tell me this. 

My money has been transferred to the federal government because it has been determined by the fraud department at Citibank that the money is not mine. My money isn't even with Citibank anymore, it is with the federal government apparently. 

Nobody has contacted me to get more information, or proof that it is my money. Nobody has investigated. They just snatched the money out of my account with no explanation. 
I have spoken to numerous people from citibank and nobody can point me in the right direction, they just told me to hire a lawyer. I filed a police report in XXXX XXXX, Michigan, a complaint to the FDIC, and a complaint to the comptroller of the currency. 

I have the XXXX XXXX of where the money came from and how it is most definitely my money. Please help me get my {$48000.00} back. 

Thank you, 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 monetary relief
Consumer complaint received 2022-10-19
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX 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 not furnish an account without my written consent.

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 2021-11-21
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding Corporate Service Company XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for LVNV Funding From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank XXXX, or any other corporation, is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I filed a complaint to the CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX regarding a payment issue whereby I had OVERPAID the XXXX XXXX XXXX by {$750.00} and UNDERPAID XXXX XXXX XXXX XXXX by the same {$750.00} amount. As a result of this complaint, a XXXX XXXX Senior Specialist in Corporate Customer Relations promptly researched the issue, verified the payments, and corrected both the XXXX XXXX XXXX XXXX account to reflect paid and current ( NO adverse entries on my revolving account ) AND she generated an AUD Correction Update to XXXX, XXXX, and Equifax to notify them of the correct payment, correct balance, and to ensure the removal of any adverse payment information that may have been previously reported to these three credit reporting bureaus. The date of this AUD Correction Update was XX/XX/2021. I noted that both XXXX and XXXX promptly corrected their records and my credit score was immediately restored upward by both, 91 points, an exact reversal of the earlier, derogatory entries. I received no acknowledgement of the correction from Equifax. However, on XX/XX/2021, I received an alert that Equifax dropped my credit score by 91 points. Upon further research, I noted that Equifax appears to have entered the AUD Correction Update as an if reflecting INCREASE of {$750.00} to my XXXX XXXX XXXX XXXX balance, not a DECREASE of this amount - thus creating yet another derogatory entry to my credit record with the Equifax firm. I am requesting that the AUD Correction Update be reviewed and if entered incorrectly, CORRECTED to reflect an accurate record of payment and balance on my XXXX  XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had BANK OF AMERICA checking account ( Account # XXXX ) since XX/XX/2023. 
I had a lot of transactions with this account like debit card purchases and some check deposits. I never had problem with check deposits and it has been cleared all the time. 
My last check deposits was for amount of XXXX $ ( dated XX/XX/2023 ) from XXXX XXXX XXXX, I had deposited that check on XX/XX/2023. ( check # XXXX ) After completed deposit I got email from Bank Of America informed me my deposit check has been hold till XX/XX/2023 and my available balance will be delay, because they believed that check is not gon na be clear. On XX/XX/2023 I got another email from Bank Of America that informed me my amount will be hold until XX/XX/2023. 
I was ok with that situation because my account wasn't that old and they need to verify that check. But right ofter that email I tried to login to my Bank of America online account ad it showed my account is blocked. 
I called to Bank Of America to see reason of my account blocking and they told me they closed my account because of bad check, I ask what does bad check means and they told me the check issuer bank didn't verified my check and it is a fake check. 
I called to the company who gave me the check ( Check issuer bank is XXXX XXXX  and the company name is XXXX XXXX XXXX XXXX ACCOUNT NUMBER... ... XXXX ) and told them the situation of me. 
After that the XXXX XXXX XXXX XXXX company sent me their checking account screenshot picture proof my check was cashed from Bank of America. 
I have proof the Bank of America has been cashed the check from XXXX XXXX XXXX XXXX. 
on XX/XX/2023, and they never deposited to my account. 
They don't let me login to my Bank of America and no body answer my questions. 
I need resolve this problem get my XXXX $ money back and reopen my bank 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 monetary relief
Consumer complaint received 2022-10-19
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 XXXX IS VIOLATING MY RIGHTS TO PRIVACY. THEY CONTINUE TO BREAK THE LAW ACCORDING TO FCRA SECTION 605B. LET THIS BE PROOF OF THEM NOT HAVING ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS FRAUDULENT ACCOUNT BY ME DIRECTLY AS I HAVE SENT IN POLICE REPORT AND IDENTITY THEFT REPORT ACCORDING TO FCRA SECTION 605B THAT THIS IS FRAUDULENT ACCOUNT. 

( SEE ATTACHED ) POLICE REPORT, FTC IDENTITY THEFT REPORT THIS IS PROOF XXXX XXXX HAS NO WRITTEN INSTRUCTIONS/AUTHORIZATION BY ME TO OPEN THIS FRAUDULENT ACCOUNT WHICH HAS RESULTED IDENTITY THEFT. 
ACCORDING TO THE FCRA SECTION 605B YOU MUST REMOVE AND BLOCK ANY FRAUDULENT ACCOUNT ONCE RECIEVED DOCUMENTS ATTACHED WITHIN 4 DAYS OF RECIEVED IF YOU CAN NOT PROVIDE ME WITH PROOF WRITTEN AUTHORIZATION/INSTRUCTIONS BY ME VALIDATING MY IDENTITY BEFORE THE ACCOUNT WAS OPEM IF YOU CAN NOT PROVIDE ME PROOF IT IS CLEARLY STATED IN SECTION 605B OF THE FCRA THE FRAUDULENT ITEM MUST BE BLOCKED AND REMOVED THIS WILL BE MY PROOF OF ME SENDING XXXX XXXX ONCE AGAIN THE REQUIRED DOCS ( SEE ATTACHED ) AND PROOF THEY DO NOT HAVE ANY PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS TO OPEN THIS ACCOUNT BUT ONLY HOW THE IDENTITY THEFT HAPPENED THIS IS NOT ENOUGH INFORMATION AND IS ENABLEMENT IN IDENTITY THEFT AMD DEFAMATION OF CHARACTER BY CAPITAL. XXXX XXXX STATED EQUIFAX AND XXXX MUST DELETE OLD ADDRESSES FOR THEY CAN NOT SO LET THIS BE PROOF THAT IT IS EQUIFAX AND XXXX DUTY TO REMOVE AND DELETE THE ADDRESS XXXX XXXX XXXX XXXX FL XXXX FOR THJ IS A FRAUDULENT ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A Bank of America Charge Card showed on my Credit report Acct ending in ( XXXX ). There was a {$5200.00} charge to this account that was open XX/XX/XXXX. This account was closed in XXXX of XXXX. I received notification on my credit report ( XXXX ) that my score dropped due to non payment. The account was closed and Bank of America charged it off. I filed a police report and a fraud theft report when I found this had happened. This account was created in Nevada. The person had my name, SSN & DOB. I was not the person who established this accounts. I am from Virginia. I have never lived in Nevada, nor have I ever had any account with Bank of America. I was told by XXXX that Bank of America notified them on XXXXXXXX  to put the credit issue back on my report that they determined the accounts to be non-fraudulent. I have spent countless hours on the phone with BOA trying to get 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 monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: VA
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:
Consumer law has been violated in accordance with15 U.S.C ss 1681s-2 ( B ), by continuing to furnish inaccurate information to my credit file after I have brought to their attention the inaccuracies of the information reported on the following accounts XXXX XXXX XXXX  ACCOUNT NUMBER XXXX AND XXXX ALL THREE CREDIT REPORTING AGENCIES repeatedly claimed verification of the account when its the accuracy that is in question. I will hold Experian, XXXX XXXX and XXXX liable for reporting this inaccurate account and pursue damages as permitted for violating my rights after I have bought the inaccuracies in detail to their attention. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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