BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: EQUIFAX, 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 have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: W&A Intermediate Co., LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was called at random by a debt collector called Wakefield Associates, saying I owned over XXXX dollars and had 6 invoices. They when I visited the hospital on XXXX XXXX and I rebutted by saying that I was not even there for an hour so I why is it XXXX dollars? I went to the hospital that day for an XXXX XXXX. All the doctors did was tell me what I already told them, gave me XXXX and sent me on my way. I had owned over {$600.00} to the hospital at one point for this but those charges were dropped. I shouldn't have to pay anything! I need this disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2021-07-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX credit card you have to make the payment before XXXX XXXX they doing that to charge late payment on top of that after you have you balances in XXXX they still charging you with interest no matter if your balance it XXXX they charge interest. I have proof they abuse let me know thanks email me with details please XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America agreed to remove this false information of my account and I have proof so please delete this

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 2020-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have yet to receive any type of response from the Credit Reporting agencies on things I disputed. The first time I tried was XX/XX/2020 and then again XX/XX/2020 what is going on. I don't see anything that indicates because of this Covid they are allowed more time and even is that it's been over 3 months ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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, 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 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 2020-01-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Please assist in an additional attempt to a resolution with Bayview Financial Services in regards to mortgage of Estate Property as each attempt I have tried, they have responded with insufficient evidence, to support they're claim. 
Bayview Case Number : XXXX Regulatory Case Number : XXXX * I have enclosed the court record. 
* Bayview has both death certificates * Bayview has copy of my birth certificate, showing I am the sister of XXXX XXXX, additionally, they have aknowledged I live in the home. 

I can provide my spouses, XXXX XXXX sons birth certificate as well, if needed, as he too is a successor of interest. 
I can provide verification that we hold note, & Security Deed as well as the Quit Claim Deed to property. 

I understand Bayview is not familiar with the prior situations at hand, nor the disputes, or the questions concerning Mr. XXXX actions regarding the Estate. I am offering a simple gesture of accommodation, in hope of crediting Bayview, with good business ethics, as well as a mortgage company that works with they're clients in such a time of despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MD
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 have told Experian, XXXX, and XXXX to reinvestigate these accounts. The XXXX XXXX XXXX # XXXX XXXX # XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. state 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 instruction

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX  and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to Transunion, XXXX, and XXXX  30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.

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 2021-06-05
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to XXXX online to see my current credit report. There was a new account as of XXXX of XXXX for XXXX that was sold to a debt collection company called Southwest Credit Systems , L.P., in Texas. I called the number on the report. The representative first inquired as to whether I was still living in Kansas. He then asked my the numbers of my address for my dads house ( which I resided at over 10 years ago ). He said I owed XXXX and that the account was last paid in XXXX. I have no recollection of any of this because it has been several years and I am a XXXX XXXX customer. Further, I had good credit prior to getting XXXX XXXX in XXXX since that time, according to XXXX, 29 accounts have been opened in my name. It is absolutely ethically and morally wrong and I cant believe we live in a world where this is even allowed to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Visited home depot store, purchased {$3400.00} worth carpet and shop for credit card. It approved and till this date have not got any information/mail from bank. Every time calling them and getting to know account in review and not able to provide support or do anything at all. Credit card is from citibank. Within week got email that my statement and balance is due where bank is unable to provide me single paper or contact number from where to get my details. But telling me i can still make payment. Such a crazy logic. I have excellent credit and already dealing with 7 to 8 different credit card companies and banks. No body has this kind of service and really bad internal controls setup which are not helping customers and also not making any sense in banking.

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 2020-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the victim of identity theft with Bank of America. A bank account with a debit card and a credit card were opened without my permission using a false address. I do not know who opened these accounts. I have been working since XXXX to get this issue resolved and Bank of America continues to send me harassing letters. 

Bank of America allowed my identity to be stolen and now to resolve the identity theft situation, they want me to send them copies of my Social Security Card and my driver 's license. The company that allowed someone to use fraudulently use my Social Security number wants both a copy of my Social Security Card and my driver 's license. 

I believe that this request is unreasonable given that my identity was stolen, I do not provide my Social Security Card or my driver 's license to anyone who isn't authorized to securely store this information. 

Sincerely, XXXX XXXX XXXX The XXXX XXXX XXXX, FL 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 monetary relief
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters on XX/XX/XXXX, which Transunion received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved.

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 2018-07-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Recently I was a victim of a scam from a " XXXX XXXX '' for a rental of a property at the New Jersey XXXX. I initiated a wire in the amount of {$1800.00} to a XXXX XXXX XXXX account of an individual named " XXXX XXXX ''. I became suspicious as soon as my funds were sent and then contacted Chase Bank 's wiring department to have my wiring " recalled ''. Based on recall, I received an message requesting a " hold harmless Letter '' since the account is under a investigation by the XXXX XXXX Crimes Compliance department. I have also reported that this fraudulent situation to my local police station. According to XXXX, I need to have my bank XXXX  CHASE XXXX  issue a " Hold Harmless Agreement '' or obtain a seizure warrant to retrieve my money. I have coordinated with my banks corporate office and they have concluded that they will not provide the Hold Harmless Letter to help me retrieve my funds. I have also coordinated with my local police department and prosecutors office and they are also not able to issue me a seizure warrant. I have a complete email transcript and other supporting documents that substantiate that I was a true victim. According to the detective who contacted XXXX investigative unit, the scammers account has been locked down with over 20 wire transactions that has been tied up in the investigation. There is also an XXXX article cited the same individuals with the same scam. I'm just a civil servant working for the XXXX with XXXX kids in college and need my funds back. Please email me at XXXX or call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 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 2018-10-10
Company: EQUIFAX, INC.
State: DE
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:
Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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 Sent all my documents to all 3 credit bureaus. They have not sent me anything proving that these fraud accounts are mine. I requested the step by step procedure on how they verified and they have failed to do so. so by law these account must be removed asap. I contacted XXXX XXXX XXXX XXXX and also the attorneys general for this matter I f i have to i will seek compensation for this illegal situation that 3 of the credit bureaus did. I am going to request that the accounts be reinvestigated and removed asap from all 3 bureaus. per 15 usc 1681 you must listen to the consumer. I am telling you that these accounts are fraud and are a result of identity theft/fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Credit Reporting Agency reported inaccurate information regarding an XXXX XXXX 30 day late XX/XX/2017 2017

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 2015-10-19
Company: Empowerment Ventures, LLC
State: AZ
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
The prepaid card was redoing the system and while it was doing that, customers didnt get their direct deposits as normally scheduled. I wasnt able to speak with a customer service representative nor was I able to logon to my account. I received my deposit and used it, seemed a lot more than it should have been, I attempted to contact them and still couldnt get through to a representative. I now check had to redo my online account with a new password and when I was able to logon I see that they had depsoited my funds twice. Now, I had a payment plan on a bill that due to the deposit not hitting my water was shut off and I had to pay the full balance instead of the payment arrangement. I now see that they are trying to reverse my car payment that posted XXXX/XXXX/2015. I attempted to call 4 times right now which is my lunch break at work and it just rings and after the XXXX ring it hangs up on me. I have been a customer for over 3 years and I am not liking how things have been lately. I have been through on unauthorized transactions and taking forever to get those reversed and other things, but I cant deal with reversing my car payment. I will seach legal counsel since it seems like there are attorneys that are working on suing them due to the system being down and unable to speak with a representative nor able to access funds on dates that they are always available on. I didnt put the funds in my account twice and neither did my banking institution. I didnt use all of the funds that were in my account, due my unknowing where they came from.

Company response to consumer: Closed with monetary relief