BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX, I opened a tab at XXXX XXXX in XXXX XXXX, i made two purchases there each for about XXXX dollars prior and closed each one immediatly. I was found by security before the end of the night outside unconsciouse in which they were able to reach my mom via my phone and tell her they found me and gave her my location. According to my mom they did not stay by my side and she found me on dark street with all busineses closed. I woke the next day to find a msg from my bank advising that a charge of XXXX} was made at XXXX XXXX. I did not purchuse or authorise anyone to open or order drinks or items on my card. Especially for that amount. I tried contacting vendor at which i got a answering machine, i left vm. I also contacted bank of america immediatly. I live out of state, and needed to leave California, and since had left situation in hands of my bank. I have not heard from my bank regarding this issue up intil today when i saw that vendor charge was there again. I do not authorize and would like to dispute.

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 2022-03-14
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-06-27
Company: Navient Solutions, LLC.
State: UT
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:
General Revenue Corp # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.

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 2020-11-10
Company: EQUIFAX, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
Legally disputed items on my credit report to the 3 credit bureaus, have not heard back from Equifax OR XXXX  in 55 days from day dispute sent. 

Sent on XX/XX/XXXX CERTIFIED XX/XX/XXXX still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( 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. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reached out to TransUnion, XXXX, and XXXX four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.

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 2021-11-06
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:
Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-03-14
Company: CHALLENGE FINANCIAL SERVICES
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX my wife & I went to purchase a used vehicle. We chose a XXXX XXXX XXXX. 45 minutes after the purchase on the freeway the motor almost came out of the car do to bolts missing. We returned to the dealership where the deal was unwound & we picked a new vehicle which was a XXXX XXXX XXXX. We were told myself could not go on the loan because the vehicle was more exspensive & i had no provable income. we purchased the vehicle my wife signed the contract & we left. XXXX, XXXX I received a call from Challenge Financial ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying the truck had defaulted & I owed money. I told them I never signed the contract. They sent me copies of a contact that did not have my signature on it but it was not my signature. The car dealership had added me back to the loan without me being notified & put me on the contract obviously to push it through. I have tried to work with them to resolve this & they have refused everything I have offered including a hand writing analysis. Im truly sick of arguing with them & just want to be released from there fraudulent contract & have it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: AMERICAN NEIGHBORHOOD MORTGAGE
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:
inquiry populated XXXX, did not self inquire nor do i meet the criteria ( veteran ) to have even applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, 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:
I have reached out to XXXX, XXXX, and Equifax four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank Of America very craftily has come up with a way to circumvent the FCRA. By allowing you to open a banking account, depositing funds and then closing your account cite a statement in their terms of service that says they may end the banking relationship at any time. This is a blatant violation of the FCRA which clearly states banks must provide a clear reason for denial and provide what they use to make the decision for denial Bank of America is also violating anti-discrimination laws. With language as they have written in their terms of service such as : we may end the banking relationship at any time, they have absolutely no proof accounts are not being closed based on discriminatory information, or practices. By not providing clear letters stating the reason for denials or closure and what information was used in making those decisions

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 2019-04-03
Company: Service Finance Holdings, LLC
State: TX
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:
To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 XXXX. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Transunion ( credit bureau ). This was actually a third letter to the bureau, stating that the capital one account with a {$200.00} balance is fraudulent. The company refuses to abide by the law and remove this fraudulent account under section 605b of the Fair Credit Reporting Act.

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 2022-02-19
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regards to Complaint Number XXXX. This account is a joint account containing misinformation, inaccurate information and it's attempting to collect upon a debt illegally. 

On XX/XX/2021, sent a letter disputing the validity of this debt. The response to the letter of dispute was a debt notice letter dated XX/XX/2021. IQ Data International responded without presenting any evidence supporting their claim that I owe this debt. This first correspondence reads like the first notice of debt collection, only sharing the principle balance and including interest fees and not addressing any of the written requests from my initial letter. Both parties within this account have reached out to this company and received the same type of lackluster response. 

A second letter was sent to again, request further detail information about this debt that's alleged owed to this parties on this account. After not hearing back from IQ Data International within the legal 30 day time frame, a letter was sent out XX/XX/2021. This letter detailed the lack of timely correspondence between IQ Data International and the parties on this account, also detailed the FDCPA and FCRA violations. Three days later there were letters received dated XX/XX/2021 but postmarked XX/XX/2021. These letters deceptively try to pass off as " validation of debt '' requested XX/XX/2021. Two months later, these letters have attached itemized charge lists with inaccurate information and fraudulent, double charges with no description or photos attached. There is no written agreement, contract or signed notice verifying this debt. 

All of these unlawful practices has caused detriment to the documentation of the correspondence with this company while in pursuit of rectifying this matter. It has also created consumer distrust in this company and their permissible purpose to collect debt. I have no knowledge of this account, the alleged fees or the claims made that I owe this debt. This company continues to accrue interest and frequently reports this misinformation to the National Credit Bureaus. Everything aforementioned are clear FDCPA violations. 

To be clear, I have not entered a contract with this agency for collection of any debt they claim I owe or the illegal interest accrual, late charges or anything else they claim is owed nor do I accept ownership of this account and charges listed. Each instance of this process has been documented since XX/XX/2021 and the deceptive practices this company continues to take part in such as misrepresentation, illegal collection of debt and interest fees, failure to validate/verify legal debt and failure to comply with federal and state laws. They have added over $ 300+ in interest and have refused to provide any proof showing their right to collect this debt or oversee this account with my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Opened new account, checking, with Bank of America in XXXX XXXX, Fl in XXXX. I was employed with XXXX XXXX. A XXXX XXXX XXXX, actually a fortune top ten. This was on a Monday morning around XXXX XXXX. My check was for about $ 4200.i ask the teller when the funds be available, she said 3 to 5 business days. I ask here to explain business days and why it varied 3 to 5 days. She said because it was a out of state company. The VP over heard our conversation and came over and introduced herself to me, she was very knoledgeable about XXXX, she made the comment to the young teller and me that XXXX had more money than XXXX XXXX, and XXXX had no long term debt. The VP told me she would approve deposit that day by XXXX XXXX. I then proceeded to write out all my monthly bills, ( 17 total ) all but one for less tha 100 dollars. due to I was going to be away from home for 2 weeks. When I got back home and opened my mail I found out I had been charged for 17 over draft fees of {$35.00} each, total of {$590.00}, then another fee of {$590.00} for the 17 checks because it had been over 5 business from the first charges, a grand total of {$1100.00}. I naturally closed my account and told XXXX to XXXX XXXX XXXX. They have since charged me over an additional fees and put this on my credit report, and on some type of national bank registers that prevents me from opening another account with another bank.

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 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/2022, I purchased a laptop from XXXX, which was a disappointingly slow and deficient product compared to the XXXX purchase price of it. I wanted to return the product, but XXXX deleted my account suddenly and did not allow me any chance to return it even though XXXX guarantees a free return for 30 days since purchase. I complained to my Bank of America credit card claim department. Initially, they refunded the charge, but later they reversed the refund and mentioned that they can not do anything about it. The reference number of the purchase is XXXX. The date of purchase is XX/XX/2022. The amount is XXXX dollars.

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 2019-04-03
Company: EQUIFAX, INC.
State: CO
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:
The date of first delinquency on these accounts is XX/XX/XXXX. Unpaid medical collections stay on your credit report for seven years counting from the date of first delinquency. They should have been removed as of XX/XX/XXXX. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$24.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX {$24.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$110.00} Original creditor : XXXX XXXX XXXXXXXX I keep disputing this charge on my credit report. It is an old medical debt and because of the collections status I have been continuously denied credit lines based on the existence of these accounts on my credit report. Nothing happens and the date of the original charge is consistently changed so it never falls off. Disputes submitted on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: FC HoldCo LLC
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: Account status incorrect

Complaint:
The account was paid in full on XXXX-19 and has not been reported or updated

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 2019-08-07
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to XX/XX/2017 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was contacted several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with regards to proof the debt. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, 2017 XXXX XXXX XXXX who is located at XXXX XXXX XXXX XXXX XXXX, MN XXXX sent me a letter saying i Owed a bill in the amount of {$1000.00} dollars and saying i have 30 days to submit a dispute or we will assume this debit is yours. They have not given me thirty days and it 's already on my credit report. I have also filed a dispute with one of the credit bureaus. I will like to know why they did n't give me my thirty days before putting this on my credit reports. Results i am asking for to be removed from all 3 credit bureaus and also I would like a written letter from  them saying that this account is removed for all three credit Bureaus

Company response to consumer: Closed with non-monetary relief