BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert that a collections account had been added to my credit report by " IQ Data International " for " The XXXX. '' This debt is NOT VALID. There is no debt owed and they have violated both the FDCPA and Texas Property Code. 
FDCPA Violation 808. Unfair Practices Notice of Debt ; Contents 'IQ Data International Never sent a dunning letter. They are required to notify me of any alleged debt along with the contents of the alleged debt. This fraudulent debt being added to my credit report has also caused a FDCA violation for reporting of inaccurate information. 
Texas Property Code Violations Sec. 92.201. DISCLOSURE OF OWNERSHIP AND MANAGEMENT Failed to disclose information - Disclosure to a tenant under Subsection ( a ) must be made by giving the information in writing to the tenant on or before the seventh day after the day the landlord receives the tenant 's request for the information Sec. 92.202. LANDLORD FAILURE TO DISCLOSE INFORAMTION o A landlord is liable to a tenant according to this subchapter if : o ( 1 ) after the tenant or government official or employee makes a request for information under Section 92.201, the landlord does not provide the information ; and o ( 2 ) the landlord does not give the information to the tenant before the eighth day after the date the tenant, gives the landlord written notice that the tenant may exercise remedies under this subchapter if the landlord does not comply with the request by the tenant for the information within seven days. 
Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES o Law not followed after notice given Sec. 92.101 through 92.110 o Landlord Never mailed my security deposit or an itemized list of deductions. They had 30 days to mail this information from the date of me vacating the premises per Texas Property Code.

As per Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES. My notice included my move out date ( XX/XX/2021 ) and my forwarding address for my deposit and any final invoices. The XXXX never mailed a final invoice nor refund my deposit which is required under Sec. 92.103

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed XXXX a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent XXXX a letter stating pursuant to 15 USC 1681b that I have given no such consent for XXXX to host the alledged debt on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XX/XX/2023 received email from Bank of America about being enrolled in online banking and my service agreement was attached. Call BOA they could not find me in their system. But advised me without providing my SS # they didnt find anything on me. I was not comfortable providing. Advised me to forward the email to their abuse email. 

Received email from MERRIL associated with Bank of America on XX/XX/2023 advising me of pending application providing an application #. I googled the best contact # to call. They advised me they did have information on file with XXXX recent applications ran with my name, one using a XXXX XXXX In front. Also, I did not provide my social security # they found me by name and confirmed. She did confirm my social was on file with applications by telling me the last 4. She stated next steps were she would forward to her fraud team.

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 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received two emails, one right after the other, from Bank of America ( BOA ). One was that my online application was in progress and the next that I was approved. 

I never submitted for this account, XXXX XXXX XXXX I immediately sent emails asking why this occurred and never heard back. 

I do have 2 credit cards with BOA. I went in today, XX/XX/XXXX, and found that there is a an XXXX XXXX XXXX account listed, again which I never opened. It has a $ XXXX balance for a Monthly Maintenance Fee.

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 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX % disable.I have friends and family members to help me in my day by day tasks in cluding finaces. 
There was a deposit placed in my account with out my knowledge or approval.This was right before pay day.I tried to pay my bills and there was no moneyin my account.I called the bank, Capital one banking, I was told about the deposit that was a fraud.The bank froze my account and when my pat was deposited the bank took all of my money.The bank would not speak to me about this occurrence and closed my account. 
I still do not know what happen with this action.awahat should of happen, the bank should have called me about this matter, or denied payment of the deposit. 


Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it may concern, I am writing to dispute the fraudulent items listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that a list of accounts from Capital One had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having these fraudulent items on my credit report. These discrepancies are impeding our progress of fulfilling our dreams to buy our first home. 

After reviewing the accounts, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. 

I am requesting that the following items be removed from my credit history to correct the information as the fraudulent charges were not made in good will nor with my authorization and knowledge. The fraudulent items can be found below : Item 1 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$3300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$120.00} Credit Limit {$4000.00} Highest Balance {$3400.00} Terms NA Item 2 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$1800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$58.00} XXXX XXXX {$2000.00} Highest Balance {$2000.00} Terms NA Item 3 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed/Never late. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$71.00} Credit Limit {$5000.00} Highest Balance {$2600.00} Terms NA On Record Until XX/XX/XXXX Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX and/or XXXX XXXXXXXX XXXX did inquires on my XXXX credit profile which I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Massachusetts Educational Financing Authority
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I co-signed for two student loans for my Son and two student loans for my Daughter. These loans were obtained from XXXX XXXX XXXX ( XXXX ) through the Massachusetts Educational Finance Authority ( MEFA ). For each of these loans, we were very clear that both students would be the primary borrowers and I would co-sign for the loans. However, I am in the process of trying to refinance my home mortgage. I have been told by the finance company that I appear as the primary borrower for all four of these loans. I have contacted XXXX on several occasions in an attempt to rectify this situation. On the first attempt, I was told that " this is how we process the loan. There is nothing we can do about it ''. Earlier this month, I contacted XXXX again. This time, they offered to send me the loan documents to review. They advised me that I could call back if I found any errors. On Wednesday, I received the attached loan documents. On all four applications, The " Student Borrower '' ( Section A ) is listed as either student. The next section, Section B, is very deceptive. This Section is titled " Borrower 's and Co-Borrower 's General Information ''. I believed that I was completing this document correctly by filling in my information under " Co-Borrower ''. The signature fields on each of the loan agreements ( Page 3 of 5 ), also make it clear that my Son and Daughter are the primary borrowers and I ( and my Wife, for the first loan ) signed as the co-signer. However, MEFA/XXXX changed the Final Disclosure documents to make it appear as if I was the primary borrower. On Thursday, XX/XX/XXXX, at approximately XXXXXXXX XXXX, I again contacted XXXX and spoke to a " XXXX ''. XXXX advised me that because I filled in my information first under " Section B '', XXXX looks at me as the primary borrower. I asked him where it explained that in the instructions. I told him that this was a very deceptive practice. XXXX advised me that there was nothing I could do about this. I asked to speak with his supervisor. He stated " I can put you on with a loan specialist,  but they're just going to tell you the same thing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NJ
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. 

Account names and # 's below, has violated my rights : XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX REF : XXXX XXXX  XXXX BANKRUPTCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX The account names and # 's above 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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 think because of the paper reduction act. An fair consumer market an credit privacy policy. An me being a minority An lacking the knowledge of knowing. I was treated unfairly by credit companies. I was denied if I should of been approved. An that denial started a free fall of bad credit. I have been denied an treated unfairness.

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 2020-03-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX I received a letter from IC Systems XXXX XXXX XXXX XXXX, MN XXXX regarding a XXXX bill that I had already informed XXXX that I could not pay and was XXXX  XXXX  when the contract was signed. I have had XXXX for 18 years and have no assets or ability to pay and to cease and desist meaning do not contact me. I advised IC Systems by phone and letter to flag my account. XXXX was again copied on that letter. Then XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX, Fl. XXXX so notified them regarding my situation and copied XXXX again. Then today XX/XX/XXXX I receive another letter from a third collection agency called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX , MN XXXX demanding payment. All four companies have been notified to Cease and Desist yet they continue to contact and harass me for this bill. What company has a XXXX  XXXX  XXXX  with no assets buy five phones except for sales commission and greed and send collection accounts to three agencies within nine months.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2022-01-26
Company: Experian Information Solutions Inc.
State: MO
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 account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )

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 2022-01-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Multiple letters have been sent to XXXX XXXX XXXX to provide proof of ownership but no documents have been presented where I signed an agreement with their company. I've asked them to remove the accounts from my credit report since I do not owe them anything but it has yet to be done. They are reporting that I owe {$750.00} for a XXXX XXXX charge and {$980.00} for a XXXX XXXX XXXX charge.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX ACCOUNT # 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.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was approved online for a Capital One Quicksilver credit card on XX/XX/2022. The bonus offer was {$200.00} if I carried out the purchase requirements, which I did. Speaking to a manager on XX/XX/XXXX I was informed that I was initially denied that offer and that I accepted an alternate offer.I was misled to believe that I would be receiving the bonus from the details presented to me during the application process.

Company response to consumer: Closed with explanation