BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It has been well over a month since Ive started this claim. Bank of America has done nothing and has provided the worst customer support. Ive gotten lied to hanged up on and its not okay. Ive been struggling for a whole month havent been able to pay rent because Bank of America allowed someone to open an account under my name and transfer my money into it. Ive callled and sent in all the necessary paper work Bank of America has asked for. Im still missing XXXX $ from my account and not only that but Im getting charged after already speaking to multiple agents and no one has been able to help. Its ridiculous how Ive been treated

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 2022-10-16
Company: Experian Information Solutions Inc.
State: SC
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:
Whom it may concern, I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified. 

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of XXXX ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX ACCOUNT : XXXX account is showing 30, 60 and 90 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 complaint. Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT Metro 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!

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 2023-02-13
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX account XXXX the last payment on this account is inaccurate. 

XXXX ACCOUNT NUMBER : XXXX the last payment and date of last activity is inaccurate. it has duplicate amount in the same account number with different amount. 

XXXX XXXX account number:XXXX the last payment is inaccurate and the last date reported is inaccurate, payment status is inaccurate. 

XXXX XXXX account number:XXXX date of last payment is inaccurate, date of last activity is inaccurate. 

XXXX account number:XXXX date of last activity is inaccurate, and the date of last payment is inaccurate. 

XXXX  account number:XXXX date of last payment is inaccurate and date of last activity is inaccurate XXXX account numberXXXX  date of last payment is inaccurate and date of last activity is inaccurate. payment status is inaccurate. 

XXXX XXXX XXXX date of last activity is inaccurate, payment status is inaccurate. 


if you verified that this information is accurate, please send me proof of it in order to the law. you just can verified something without proof, that is against the law and my privacy.

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 2017-12-27
Company: The Leviton Law Firm, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX with the Leviton Law Office in XXXX, Illinois called our business to collect a debt for a service we signed up for in the last calendar year. When given the information that our company cancelled the service she became hostile and threatened to have us arrested. 

1 ) XXXX XXXX never disclosed that the call was being recorded. 
2 ) XXXX XXXX never gave her name, I had to call the company directly and asked for her voicemail. 
3 ) XXXX XXXX refused to give the city/state where their offices were located. In order to attempt to collect a debt, you the collector must be in the same State as the individual/business they attempt to collect from. 
4 ) XXXX XXXX cited false collection laws. 
5 ) XXXX XXXX was hostile, shouting, and was inaudible 3/4 of the entire phone call. 
6 ) XXXX XXXX refused to provide the details on how much was owed on the collection account, and how much her " firm '' purchased the collection file for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
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:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. StatXXXX issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.

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 2018-10-01
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Thank you for your complaint XXXX about XXXX/XXXX and  XXXX/XXXX ( Under same entity ). We've sent your complaint to the company for their response. '' This was from CFPB on XX/XX/2018. 

The company ( Collection Agency XXXX/XXXX ) responded with the attached letter and documents. Again, they never provided actual evidence I owe the money as XXXX XXXX, personally. The account is a Corporate credit card I was an authorized user. XXXX and XXXX and its subsidiaries have NOT provided evidence I am liable under the Fair Debt Collections Practices Act request for proof of debt liability personally. It is a corporate debt, not a personal debt. The collection agency as well as XXXX and XXXX have NOT properly verified the debt properly in violation of the Fair Credit Reporting Act Section 609 and Fair Billing Act and Fair Debt Collections Practices Act ( 15 U.S. Code 1692g -  Validation of debts US Code ) If not resolved through CFPB then I will pursue avenues through the State Attorney General and through my own legal counsel for damages under applicable law. Enough is Enough! I have asked several times for this to be properly investigated and proper evidence has NOT been provided. I am NOT personally liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IL
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that as well.

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 2020-01-21
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Receivables Performance Management, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I SENT RECEIVABLES PERFORMANCE A LETTER ON XXXX XXXX CONCERNING A NEGATIVE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.I HAVE ATTACHED A COPY FOR YOUR VIEWING BELOW.

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 2021-06-07
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed by someone for a house rental. Payment was made through my XXXX XXXX account through Zelle. These people must be stopped. I have all the information needed to stop them and get back my mom money. Its a lot to type. Im best reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After seeing a report on XXXX credit bureaus, I contacted Common Wealth Finance XX/XX/2018, I  have requested three times since then for debt validation from Common Wealth Finance. They say each time that they have mailed by usps validation of my debt. They say they also emailed to my acct. XXXX validation of dept. I have never receive anything. I believe I do not owe these debts. Two for {$100.00} and one for {$130.00}. I sent them a certified letter asking for validation of debts. They did not contact me by phone, email, or mail. instead they added the debts to another reporting agency, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was called at XXXXXXXX XXXX. I also received multiple texts which I opted out of. I'm a XXXX XXXX  who is in all time zones and I sleep at different hours. I could not convey that to them. They would not admit to what time zone they were calling from. My payment was made 5 days early. 
This was Synchrony Bank over {$34.00}.

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 2021-06-07
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo advertised, with zero liability protection, I won't be held responsible for any reported card transactions. However, when I filed reports about unauthorized transactions, they wouldn't reimburse me for it.

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 2022-08-06
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 been the victim of identity theft since XXXX and I have contacted TRANSUNION several times in order to remove fraudulent inquiries I have in my credit report and they had not removed them. I have the followings inquiries in Transunion unauthorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX I request this inquiry 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 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I submitted a dispute to TransUnion on XX/XX/2018 regarding 5 collection accounts that appear on my credit report that were either paid in full by insurance, services billed for were not actually provided and/or the acct never belonged to me ;. Today is XX/XX/2018 and the dispute remains in " pending '' status. Now there are new/updated collection accounts that do not belong to me in addition to those ALREADY disputed, however I can not dispute the newly added collection accts due to the unresolved dispute still open. It has been over 90 days since the original dispute was issued and my financial situation but is suffering as result of this inaccurate reporting and delayed corrective action on the part of TransUnion.

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 2020-11-25
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights. 
15 USC 1681 section602 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 a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XXXX XXXX at XXXX. I called XXXX to dispute two unauthorized credit inquiries. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The representative informed me that there was nothing on their end they can do to investigate or delete and I should file with the ftc for a deletion.

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 2023-07-26
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 I noticed that I had a charge on a previous debit card with Netspend ending in XXXX. The charge originated from XXXX XXXX in the amount of {$16.00}. with a {$1.00} charge from Netspend ( totaling {$18.00} ) Within the following week I notified Netspend of the disputed charges by email. I was told to do a follow-up letter within 10 days about the disputed charges. However, the fax number that was given was busy on all occasions and the fax would not go through. 

Subsequently, I spoke to a representative from netspend and they explained that the inquiry was in process and they would let me know the results from XXXX XXXX. 
I finally got a fax to the company, and they said that they would notify me within 3 days. 
I came across an internet article stating that there had been a recent filing with the FCC concerning XXXX 's charging subscriptions to their customers and making it difficult to reimburse the charges. I am a victim to this practice and requested in my fax to Netspend that I wanted to be reimbursed for any other charges occurred on my account that I did not notice. I contacted Netspend again on XXXX XXXX and they stated they would not conclude their inquiry until XX/XX/XXXX. This practice is not acceptable and they Consumer Protection Bureau should make XXXX XXXX forthwith reimburse all affected consumers!

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 2021-06-29
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation