BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America particular employees are violating my privacy rights and threated to railroad a situation and segregate me to the same particular involved employees. This is the second time that Bank of America has treated me with segregation. This matter involved business associates affiliated with Bank of America such as particular XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX employees. I have received phone calls as early as XXXX XXXX using false names. On the exact dates this occurs the same Bank of America employees contact me. My vehicle was damaged at Bank of America by the Gardeners. 

I told XXXX XXXX at bank of America that this matter was escalated and mishandle per their own business contacts higher up. XXXX told me that she was segregating me to her, and I told her to stop reading old notes that this was done to me before. I told XXXX after the XXXX XXXX call she arranged not to access my bank information, call or email me to the point I file a huge complaint. The same lady that called me at XXXX XXXX. called me at XXXX XXXX. XX/XX/2023, and later tonight XXXX XXXX sent me an encrypted email. I am having medical issues and one of the businesses associated at XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX was too escalate this but the same bank of Amecia employees continue to call me and demand email information. XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been at this for going on 3rd month. The parties responsible are engaging in corruption because they lack insurance which is what I have felt and told today.

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 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts listed are not my accounts. I was a victim of identity theft. I have provided my correct personal information and I am submitting my personal documentation. I can assure that I am not a credit repair company and or a mortgage company. Please remove those bad items from my reports. Thank you.

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 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding an international fund transfer I recently conducted through Bank of America. I believe this issue warrants your investigation and intervention. 

On XX/XX/XXXX, I initiated an online international transfer from my Bank of America account to an account in XXXX XXXX XXXX, both in US dollars. To my dismay, I discovered a significant discrepancy in the transferred amount on Wednesday. An amount of XXXX was debited from my Bank of America account, but only XXXX was credited to the recipient 's account in the XXXX  XXXX XXXX. These were completely different from the information provided online and on the receipt. 

In an effort to rectify this matter, I promptly contacted a branch at Bank of America this morning on Thursday. Regrettably, their response was unsatisfactory, as they informed me that they would not take any corrective action. 

I am deeply troubled by this situation, as it not only reflects a breach of trust but also raises questions about the transparency and fairness of the international transfer services provided by Bank of America. I believe that such discrepancies should be thoroughly investigated, and appropriate measures should be taken to rectify the financial imbalance. 

I appreciate your attention to this matter and look forward to a prompt and positive resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/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 2023-06-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
For more than 8 months ago submitting letters of dispute and any of the 3 credit bureaus are proper answering

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 2020-01-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX - XXXX The above mentioned account is being reported as an unpaid charge-off on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following : TO PLEASE REMOVE THE ACCOUNT FROM ALL OF MY CREDIT REPORTS.

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 2022-02-03
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 recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted Transunion, XXXX, and XXXX.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card XXXX this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities, so it's very infuriating to be told those accounts have been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to 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 2020-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax HAS NOT FIXED THIS FALSE INFORMATION!!!!!!!!!! I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Equifax obviously never investigated it because it would have been removed had they done their due diligence? I am XXXX years old and I can assure you that I never applied for a student loan through this company or any other company for that matter. I can also tell you that I haven't been to college so why would I need a student loan?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have tried to work with XXXX Comenity Bank. There backend system does not have an alert system built in to notify the customer when a payment is due. Comenity Bank 's Parent company Alliance Data also owns XXXX XXXX. Tell me why XXXX XXXX has all the bells and whistles to alert the customer of a payment not being received on the day due, but yet Comenity Bank ONLY sends 1 email notification for the statement. They have no other email sent, AND they also do not offer any type of alert system like text or email notification within x amount of days when bill is due like 99 % of credit cards I own. 

XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, they all have some type of alert system. Comenity   claims they don't have this because they aren't a typical Mastercard or Visa card. 

Comenity Bank also charges the industries HIGHEST fees for late payments. {$39.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX AZ XXXX ) XXXX XXXX XXXX {$5500.00} XXXX Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2019, I was threatened by Navient with litigation in regards to past due student loans. I had been unable to pay as I became XXXX on XX/XX/2019 up to present day. I have not qualified for XXXX insurance benefits. Navient was informed of this but still said my only option was to enroll in the same rate reduction program that I had been in before in order to drop litigation. My payments were only reduced to {$490.00} monthly, there was no option for forbearance or deferral offered to me, I was only allowed to split the payment biweekly to {$240.00}. A customer service representative and manager spoke to me regarding the loans and told me that by agreeing I would be brought current on my loans after the last XXXX payment. I agreed to the amount and have struggled to make the automatic payments that they required. However, I have still received multiple emails saying that my payments are past due. I called today to report this and I was told -- by supposedly the same representative that enrolled me XXXX -- that my payments would be brought current after XXXX and is still being reported as past due, even though I am current in the program. I'm also still being charged late fees that are not being paid as part of my automatic payments and instead are rolled into the loans ' capitalized interest and principal balance. Please investigate these business practices as they seem to be unfair, unethical, and very restrictive to the borrower. Also, within this program, Navient seems to be making money off of fees as they force borrowers who are struggling to pay to enroll in order to become " current '' on loan payments. The interest increases long term and is capitalized into the principal. In the period between enrolling in this program and becoming " current, '' the borrower must make automatic payments but is still being charged late fees. Please investigate these business practices and please resolve this payment issue with Navient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 review consumer report that improper use of my credit was used and shows inaccurate information on my report please show proof or delete or paid follow accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also report fraudulent activity to both companies nothing has been done still on my report damaging my score and according to comsumer reporting agency make it vital to report maximum accuracy.

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 2022-01-28
Company: Alliance One, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been called by multiple phone numbers associated with AllianceOne debt collection, almost every single day as far back as XXXX of 2021. They are calling and leaving nondescript voicemails asking for myself, ( XXXX XXXX ) or my dad once ( XXXX XXXX. ) They have called from XXXX almost daily, and XXXX back in XXXX and starting up again in the new year. I answered a call trying to figure out who they were, and they confirmed they were debt collectors trying to collect a debt that belongs to my dad, who I was not in contact with when he died in XXXX of 2021. I explained this XXXX separate times ; as they were calling while I was at work, and I answered because I had been waiting on other relevant calls regarding my dads death. They said they would not call anymore, but are continuing to harass me and leave voicemails. My dad was so broke when he died we didnt even establish an estate and his things were sold off by his landlord. No one is going to pay this debt, and this company is disgusting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
XXXX partys Coinbase Coinbase wallet telegraph gram and antenjoyvip. I had XXXX usdt in my Coinbase wallet I ask Coinbase for a loan they have my a link and said use it on telegram ask for loan. So ask for loan they said XXXX times what I put in leverage brokerage liquidity loan. So they took my money and then XXXX minutes later they say I have to have XXXX XXXX XXXX to get my money back off top. This is thru XXXX XXXX is link to Coinbase and Coinbase wallet. After XXXX years at XXXX I got let go so taking my last XXXX to my name and just no telecommunications or nothing I feel played. I will love to receive my money back. They making money off my money right now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-29
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I am unaware of all these inquiries, I have called all the companies and credit bureaus and have sent letters for the past XXXX  months to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Avant Holding Company, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I cant pay lost job due to covid -19 they keep over drafted I cant to it please cancel this Dept No Job no money Im struggling day and night a fight to stay warm Please

Company response to consumer: Closed with explanation