BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC System is reporting on my credit reports an amount of {$510.00} they have refused to provide documentation of validation and/or verification of this amount following two written requests.

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 2018-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a credit card fraud case where my Bank of America debit card was stolen from my bedroom. The debit card was used online for purchases and also at ATM 's to withdraw money. The first transaction occurred XX/XX/XXXX at XXXX XXXX XXXX XXXX and the last transaction was on an online purchase on XX/XX/XXXX. The total amount lost was a little more than {$6000.00}. 

My claim was denied a couple of weeks later. The bank claimed that I must of given my information out for someone to be in possession of my card and pin number. I then did my own investigation and discovered that someone stole my banking information and was logging into my bank account and changed my phone number on the account. The bank claimed that they had blocked the card because of suspecious activity and that someone called to unblock the card. I then told them to go back and listen to the audio so they can see that the person that was claiming to be me was not in fact me. I was then told that it had to be me because I was logging in to the account. I then told them that I've never even created an online account and that they should check the IP address to see that it was not my IP address login into the bank 's website. I was then told that I must have made the ATM withdrawals because my pin was used. I then told them that it was not me and that they can obtain the ATM footage to see that it was not in fact me. I was then told that I need to go obtain that footage and send it to Bank of America. I then told them that it would be impossible for me to obtain that footage because I am not law enforcement. 

I've filed a police report with the XXXX XXXX. Police department in XXXX NJ a week after the incident occurred. 

My claim has been denied twice, BOA claim that there were no issues with my account and that I authorized the transactions.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
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 All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has fraudulently used my personal information to what seems to be, have medical care. I never gave anyone permission to use my personal information for anything. Now I find out that there's a collection on my credit report from Creditors and Aud ( original debtors is showing as XXXX XXXX XXXX ), for a total of {$920.00}. Again, I have been a victim identity theft because I have never had any dealings with either of these companies. The account states that it was opened on XX/XX/2019.

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 2023-09-15
Company: EQUIFAX, INC.
State: TX
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:
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.

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 non-monetary relief
Consumer complaint received 2017-09-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a XXXX XXXX XXXX XXXX ( XXXX ) form on XXXX XXXX, XXXX, the form stipulated it expires XXXX XXXX, XXXX. I received a letter XXXX XXXX, XXXX stating my form was rejected due to a new form that was created after therefore rejecting my form with Expiration date XXXX XXXX, XXXX. Terms and condition have changed in the new form. They are just prolonging services that I applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 previously sent a dispute letter to the Credit Bureaus and I immediately noticed that the Credit bureaus have done nothing! On XX/XX/2022, I sent a letter to the Credit Bureaus requesting that they remove the items which I believe to be opened due to identity theft, after seeing that there are still fraudulent accounts and information being reported on my Credit File despite the numerous dispute letters and CFPB complaint I have been submitting. I believe I was a victim of Identity theft since the accounts that I have been disputing were not familiar to me neither did I authorized anyone to open these accounts on my behalf. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are expected to remove any accounts and information that resulted due to identity theft within the time allotted by law. It is unforgivable for the Credit Bureaus to be ignoring a consumer 's request to remove the disputed accounts from her Credit File. I am submitting this CFPB complaint to let the Credit Bureaus know that me and my legal counsel is willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with a Federal law causing a consumer to suffer from inaccurate information reporting on my Credit File. I also asked the Credit Bureaus to provide me copies of proof of verification since the Credit Bureaus have been claiming that the disputed items are verified and yet they have sent me nothing. I have reached the peak of my patience and this will be my last CFPB complaint before I will take legal actions against the Credit Bureaus. Once again, I am requesting to the Credit Bureaus to remove the following items in which I believe to be opened fraudulently : 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 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 2021-03-02
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Bam Trading Services Inc. ( DBA Binance.us ) held my wire deposit since XX/XX/21 without any proper explanation. There customer service is only available through email tickets. Their last response to me was XX/XX/21 asking for more information which I supplied immediately. A domestic wire is suppose to be same day, it's now 20 days. 

Their ticket number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-10-18
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I keep getting random charges on my card even tho i never use it anymore and i paid in full already. When i call to ask what the charges are they have no answer or give the same answer as the charges before. This conmpany is stealing from people im just the first to notice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
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. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge was put on this credit card on XX/XX/XXXX. I cancelled the charge on XX/XX/XXXX in writing certified mail. I called Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to complain about this charge, they told me I had to go through the company who charged the card and work with them. I did that. The company who charged it stopped responding in XX/XX/XXXX and never refunded my money. I contacted an attorney, the XXXX  and CFPB about the charge and nobody could help me. They said the company didn't respond, so there was no was to get the money back. 
I send a dispute in writing with all of the information to Barclays two times, CFPB and the XXXX, and the Federal Trade Commission. I called Barclays to get help with this multiple times. Still, no help. 
I had a payment plan set up the whole time with Barclays for XXXX  XXXX, they changed it to XXXX  XXXX with no notice. The card was supposed to be XXXX interest for XXXX XXXX, they started charging interest with no notice. 
Barclays has refused to help me with this charge, and has added insult to injury with a charge that was cancelled. 
Today, I cancelled all payments and put a stop payment on them at my bank and cancelled the card. I have never used this card for anything, the only balance is the original charge that should have been refunded within 30 days. The balance is {$10000.00}. 
There should be no balance on this card. There should be no interest accruing on this card. The payments should have been exactly {$120.00}, no 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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted TRANSUNION to inform them that XXXX # XXXX are reporting inaccurate and fraudulent information on my credit report. 

1. I informed them that this isnt my account and it was previously removed. See : Exhibit A 2. I informed that the account is reporting inaccurate by stating its a collection/charge off account. See : Exhibit B A collection and charge off are two different types of accounts subject to two different types of rules per FCRA rules and regulation.

A. A collection is a derogatory account ; and B. A charge off isnt a derogatory account. 

Therefore this account is reporting inaccurate and the company is reporting inaccurate information which is prohibited per FCRA rules.

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 2023-09-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
At this time I would like to know who's in charge of the CFPB redress of allocations and CFPB investigations. 

because attorney general XXXX of Connecticut. & every official office has failed my family as MY LATE HUSBAND WITH A CREDIT SCORE OF XXXX AND I AND OUR XXXX CHILDREN were PROMISED a simple hardship modification due to the fact that my husband of XXXX  years, OUR ONLY SOURCE OF INCOME was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS HARD AS THAT WAS AND FOUGHT ON TO PROTECT OUR HOME FOR MY FAMILY ARE FOR CHILDREN AND AS SOON AS I HAND DELIVER THE DEATH CERTIFICATE WELLS FARGO XXXX ATTORNEYS HAD OTHER ILLEGAL UNLAWFUL AND DECEITFUL PLANS! I HAD A UNITED STATES DISTRICT COURT CASE IN WHICH ALL PARTIES WERE PERCEIVED NO FURTHER EXCEPT IN THAT COURT HOWEVER 2 DAYS AFTER THE USDC XXXX XXXX ct XXXX XXXX XXXX ordered all parties to proceed. No further in any other court!! MY DEED WAS ILLEGALLY UNLAWFULLY TRANSFERRED TO KNOWN REAL ESTATE PREDATORS WHO THEN STOLE OUR HOME FOR XXXX. WE LOST EVERYTHING AFTER XXXX FIGHT AND WE'RE HOMELESS DESPITE NY FILING THE XXXX XXXX XXXX 

ALL ALONG THESE PEOPLE SOUGHT PROFIT OVER MY FAMILY - IN EVERY COURT TO EVERY JUDGE AND EVERY OFFICIAL I NEVER WAVERED IN MY TESTIMONY AND I HAD ALL MY DOCUMENTS IN ORDER,!! 

NOT FRAUDULENT PERJURIOUS DOCUMENTS TESTIMONIES THAT THESE PARASITES WERE COMMITTING IN OUR COURTS, ALL ALONG XXXX XXXX vultureS WERE GOING TO FLIP OUR HOME AND I TOLD EVERY JUDGE THE SAME THING AND THEY DID- THEY FLIPPED IT FOR A {XXXX} we got NOTHING!!!! JUST SHATTERED HUMAN BEINGS!!! 

MEANWHILE despite 2 APPELLATE CASES, state judge reached in on over and removed our protection from the stay! AS OF XX/XX/2020 With a CT STATE XXXX XXXX forcibly removed us from our only home, OUR XXXX CHILDREN & I LOST EVERYTHING INCLUDING ONE OF OUR RESCUE PETS - AN EMOTIONAL SUPPORT ANIMAL WAS NEVER SEEN AGAIN - Indoors ONLY! 

Attn : XXXX XXXX PLEASE HELP MY FAMILY AT LEAST REGAIN THE PRINCIPAL AMOUNT OF OUR ONLY FAMILY HOME + irreparable damages done to my family by these predators. I've probably submitted a dozen complaints to the CFPB, the department of banking, everyone that was supposed to help and protect us and no one did anything to protect OUR RIGHTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}, XXXX XXXX : Bankruptcy XXXX XXXX XXXX XXXX : {$0.00}

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 2022-01-15
Company: EQUIFAX, 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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief