BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: MO
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, I mailed a letter to Experian and XXXX about 4 negative accounts that were removed from my XXXX  Consumer Report because of its inaccuracies and errors. I sent documented proof of the Inaccuracies and Experian and XXXX refuse to remove them like XXXX  did. Also, I have not received a response letter yet and its been more than 30 days.

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 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card with Bank of America. On XX/XX/XXXX, I was reviewing my account statement online. I noticed there were many unrecognized and pending charges from XXXX the account that have not posted. Many for the same date. I checked with my Spouse. She and I did not recognize the charges. We decided to review the account statement for XXXX, and there were charges that were not recognized there also. We printed the XXXX account purchases for both my wife and I, and reviewed and compared these charges line by line item to my BOA statement, dating back to XX/XX/XXXX. This is when we realized the extent of these unauthorized purchases. 

We notified Bank of America at this time. The card was cancelled and another card was reissued. I told the BOA representative at the time the charges we suspect as fraud. Someone with an XXXX account is using our Credit card Number for charges. These items were not delivered to my home address of record. 

Also note, we changed our billing address and mailing address effective on XX/XX/XXXX. I notified BOA of this in late XX/XX/XXXX. We moved to a new home. 

Additionally, I had already placed a fraud alert on my credit history, because I received some suspicious unsolicitied a government Debit card with my name on it. I did this on XX/XX/XXXX. At this time also I reviewed by credit file with XXXX of the XXXX major companies and did not find unusual activity on them. 

My spouse and I have a XXXX XXXX XXXX account. We are billed annually one time per year. We can see that charge on our BOA statement. However, we are also picking up a subscription for a prime membership that is being billed monthly. We do not recognize that as a charge of ours. I told this to XXXX, and they didn't care about this. 

The fraudulent charges amount to at least XXXX, not sure if that includes interest. BOA delected my secure messages they sent me because I read them, however I was not able to download 1 or 2 of them, or print. 

BOA notified me on XX/XX/XXXX, and they were " unable to approve your recent fraud claim '' The reasons they ( BOA ) provided do not substantiate my claim, or investigate the source of the problem that lies at XXXX. I contacted XXXX about this, but they could NOT be of help, citing " account Privacy '' I attached the response from BOA. Also attached our account statements from XXXX. They were able to provide a spreadsheet of our legit purchases and the source of the payment. The card in question is a visa card.

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 2022-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Nevada XXXX Re : department collections attempt that is staturiel time barred To Whom This May Concern, I, XXXX XXXX, received several phone calls regarding a debt that is being claimed against me. I sent this company 3 certified letters, Re : CEASE AND DESIST ADDENDUM, attempt that is staturiel time barred and requested a verify the total debt amount, including any fees, and who the original party that is making the claims, Its successors, and - or assigns. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) called me and Threatened to sue me they refused to talk with my lawyer. the creditor told me that I had till Monday to respond other wise they are taking me to court. XXXX XXXX XXXX XXXX XXXX told me the dates of this dept was from. XXXX, XXXX and XXXX. 
The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago. I told them this account is staturiel time barred. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I called back and I told XXXX that the call was being recorded and that I needed i needed more information, She told me that after our conversation that this account has been moved to the fraud department. She said that she didn't have much information regarding my account. I asked for the mailing address. 
I do not admit liability for this alleged debt, and I do not intend to make any payments to for the following reasons : The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago No payment has been made to this debt by me, any joint account-holder, or any third party acting as my agent for a period of more than six years No written admission of liability for this debt has been made by me, or any third party acting as my agent for a period of more than six years. 
This debt is therefore Statutory time barred and any court claim to recover it will be defended on this basis. 
If you have evidence that this debt isnt statutory time barred, please send it to me within 21 days from today. Otherwise, please confirm in writing that you wont pursue me any further for this debt Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
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 only XXXX active bank account and have had only XXXX credit card ( XXXX store credit cards ) my entire life, yet my credit report from Equifax shows all these other accounts. It does not show my employment information. 
I have lived in the same address since I was XXXX XXXX XXXX yet it shows XXXX other addresses besides my own. 

I believe they have merged my account/information with another person because this happened with another credit reporting company but they were able to fix it when I contacted them. 

During the past couple of years I have tried to get my credit report ( online ) from Equifax but could not because I could not answer the pre-screening questions correctly since obviously the information was not mines. 

I tried to contact Equifax multiple times. During the phone I spoke to someone who sounded like he clearly was not from this country. He had a great deal of trouble understanding what I was explaining. I then tried to get my credit report through mail by sending the required information including a copy of my state ID and social security card. They said the information was not enough. 

I was finally able to obtain my report from them by signing up to the TrustedID premium service they recently offered as a result of their security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: PR
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:
Greetings On XX/XX/XXXX I wrote about a situation that occurred in my credit report with the XXXX account. I have indicated that the account that appears in delinquency that I have sent on several occasions is XXXX not XXXX who acquired my mortgage. It was sold in XX/XX/XXXX and a delay that they report as 90 days is XX/XX/XXXX. Every time I write it is a situation that affects my credit more with incorrect information. I have sent you my credit information from XX/XX/XXXX to XX/XX/XXXX without any response. My account has always been paid well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the description of eXXXX ( your web based XXXX verification process ) YOUR EXACT XXXXR definition ( per XXXX XXXX XXXX XXXX is that " XXXX is a web-based, XXXX 2 compliant, automated system that enables XXXX XXXX XXXX XXXX XXXX and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness. There are two accounts reporting these : 1 XXXX XXXX XXXX  USA-2 late payments 2. XXXX XXXX acceptance - reporting 1 late payment.

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 2022-03-30
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am submitting this request myself to address the inaccuracies on my Credit Reports. Regardless of the several previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of misleading information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to remove : CAPITAL ONE - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: HW Holding, Inc
State: TX
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:
I was alerted by XXXX XXXX XXXX XXXX that Hunter Warfield collection company is trying to collect on the behalf of XXXX XXXX apartments, My identity was stolen in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Nationwide Financial Group
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I for the first time leased a phone from XXXX.I had been a customer and swore by them being the best ... until they treated me in professional, charging me for a broken phone that off & on from XX/XX/XXXX ... They did n't want to fix their phone bcuz it has had a warranty on it by XXXX ... They would not help me at All ... I had to go to XXXX XXXX to get a phone # ... .So I sent the phone back to them and received it the end of XX/XX/XXXX it is still not working ... Do now XXXX nor XXXX are returning my calls no one is listening to me at XXXX..I had to remove everyone off of my account ... .I am on by myself and they are charging me for a broken phone, I had someone finally reach out to me & put me through to someone who knew that there were broken teeth on the mother board, he was sending me a replacement phone bcuz I could n't break the phone it was internally broken. 
So I received two letters one said I had a month left to pay the bill I have stood my ground that my phone is broken and need someone too listen and assist me Second letter gave two months so it would carry me through the end of contract ... They stressed me out to the point where my XXXX XXXX was XXXX ... So I told them you are charging me for a broken phone, a replacement phone that does n't work either bcuz the phone # is on restriction so I have been charged for a BROKEN PHONE, NO SERVICE SERVICE TO REPLACEMENT PHONE & I caught up with anything I owed from XXXXXX/XX/XXXX ... .So BASICALLY they were charging me {$750.00} a month With no service, on the broken or replacement PHONE They never turned on ... So after my contract ended I started with another company explained everything I needed them to know .... 
Thank You for allowing me to vent & put everything that I could SHARE ... It is a Very hard time even to getting me SICK I never have dealt with careless people ...

Company response to consumer: Untimely response
Consumer complaint received 2017-10-30
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against STELLAR RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2021-05-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
date XX/XX/2020 inaccurate address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX accurate address for that date to present is on report : XXXX XXXX XXXX, XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have been offered a " work study job '' sent to my school email talking about helping a person make payments on his behalf on XX/XX/2021. This is that email. 

XXXX You were referred with 10 other students from the XXXX XXXX XXXX XXXX XXXX to work and study for {$400.00} weekly, XXXX XXXX and XXXX XXXX looking for you to fill up this available position! 
If interested, kindly send your phone Number and personal email address for better communication for more details also needed. 

Regards , XXXX XXXX XXXX This person then sent me this. 

I work as a XXXX XXXX for the department of XXXX XXXX and XXXX XXXX ( XXXX ). I provide individual and group therapy, coaching, assessment and academic screenings to support students with XXXX ( XXXX, XXXX, XXXX, and XXXX ) registered with ( XXXX ). A large percentage of the students served by the mental health unit have XXXX XXXX or XXXX XXXX XXXX and need XXXX health support to be successful at the university. 

Guideline & Benefit as follow : **Weekly payment {$400.00}. 
**6-8 hours weekly ***Instruction on the first task will be sent via email. 
**You will only help me Mail letters, make payments at XXXX and purchase some Items when needed. 
Provide me with the following details below to Apply : Full Name : Full Address : Apartment number : Current Occupation ( If Any ) : Gender : AVAILABILITY : How often do you check your email daily___________? 

I look forward to a long-lasting working relationship. 
/ Sincerely , XXXX XXXX XXXX fell for this and did it. I was told to buy business check paper and print out a check that was emailed to me. I then was told to make payments through XXXX to emails I was not sure about. There was 5 total. 

4 Through XXXX connected to BB & T XX/XX/2021 of {$350.00} through XXXX XX/XX/2021 of {$500.00} through XXXX XX/XX/2021 of {$350.00} through XXXX connected to my bank XX/XX/2021 of {$300.00} through XXXX XX/XX/2021 of {$400.00} through XXXX Total of {$1900.00} I then realized that this job does not match up with the job description and I copy and paste the email into XXXX and found multiple websites with the exact same email with different names saying it is a scam. I have contacted BB & T ( my bank ), XXXX, and XXXX and I am unsure if I can reverse the amount since I authorized the payment on my behalf. I have included the emails and some screenshots of the text and can send more.

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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response XXXX  has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.

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