BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: MS
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-08-30
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is for a apartment complex that I didn't live at nor did I know anyone who has lived there, this complex is in a state that I've never been to, I've called the complex and they have no record of me ever having an apartment in my name there either, the complex also contacted the collection agency and they refused to speak to them.

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 2019-03-07
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For the last 10 years have been paying granddaughters student loan as she is deceased. The lender tells me it doesnt matter that she is deceased as I am the co-signer. Students cant grt loans for college without co-signer I am on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/XXXX my primary checking account was hacked for {$9900.00}. A complaint and claim was filed at the bank ( Citizens Bank ) the same day and new savings account was opened to transfer most of the remaining funds. At this point I had 2 checking accounts and 1 savings account. The one checking account was hacked and only credit transactions to come in, no debit transactions. Some money was transferred to another checking account to stay active for monthly bills. On XX/XX/XXXX this other checking account was also hacked for {$1200.00}. Another claim was put Into the bank the evening of XX/XX/XXXX. There was supposed to be a hold on all accounts starting on XX/XX/XXXX so that no other debits could be made from any of the 3 accounts ( 2 checking, 1 savings ). When I woke up today ( XX/XX/XXXX ) I checked my accounts and there was a debit from my savings account for {$9700.00}. This saving account was a brand new account opened on XX/XX/XXXX when I went into the bank in person to put a hold on my account and transfer money into savings. At this point I believe these incidents are identity thief. Someone has access to all my banking information, my signature, and probably my social security number. Almost 3 different accounts were hacked for over {$20000.00} in less than a week. I am extremely disappointed in Citizens Bank for letting these transactions happen and will no longer be banking with them after this is resolved and the money is returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There were alot of errors on my credit report. I submitted a dispute addressing the errors but after submitting the letter the accounts were verified.

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 2023-03-31
Company: EQUIFAX, INC.
State: PA
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a CD account with Comenity Direct. Back around XX/XX/XXXX I received an email that the CD would be maturing and to either call or use the secure mail feature on their website to confirm if in fact I did not wish to renew. I called and I also used the secure mail feature and advised the bank that I would not be renewing the CD. In turn, I received both verbally and email confirmation that they received the request and after the CD matured, they would send back the money ( {$51000.00} to my checking account which initially funded the CD.  It's now 6 days since the CD matured and the bank has still not processed the request. In turn I have spoken several times with several different customer representatives and each time I get a different story. The last story is that they are working on the ACH and the reason it's taking so long is they work on them in the order were received. I was also told initially that I could transfer the money back to my external account once the CD matured which is not true as even though online it shows my external account information, it doesn't give me the ability to do anything. Please help. Thanks for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: WELLS FARGO & COMPANY
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 had left to XXXX to live there since XX/XX/2015 and as I came back I've noticed that someone used my information and had opened fraudgelent account. 
Wellsfargo 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 2021-07-01
Company: Radius Global Solutions LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint against Radius Global Solutions for attempting to collect a debt that does not belong to me. 

On XX/XX/2021, I received a notification from XXXX, XXXX, and XXXX  stating a collection for {$230.00} was reported to my credit report by Radius Global Solutions. This debt was reported to my credit report in error. I do not haveany collections with Radius Global Solutions. Furthermore, I have never received any correspondences, written or verbal from Radius Global Solutions informing me of the debt. 

Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request Radius Global Solutions remove the collection from my credit report for all three credit bureaus, XXXX, XXXX, and XXXX  as this debt is invalid and does not belong to me.

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 2020-07-28
Company: EQUIFAX, 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
3 accounts was opened in XX/XX/2016 while I ; d been outside of country. Please find attached my Identity Theft report with the police report.

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 2020-04-06
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company involved in the case : 1. XXXX XXXX 2. Aldous And Associates ( XXXX ), I noticed after opening my XXXX XXXX credit report a collection from the above companies amount of XXXX dollars which was opened on XX/XX/2019. i didnt receive any calls nor any mails. 

I immediately called XXXX XXXX to solve this problem, even though i have no clue of the charge, i paid it off since its effecting my credit. 

Its been a long time and the collection is on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Discover Bank Inquiry Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion XXXX XXXX XXXX should not be on my credit file. I have provided proof from them as Attach.

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 2019-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Bank of America Credit Card Sevices / Visa card number ending in XXXX To whom this may concern : Back in XXXX, I opened a consumer visa credit card account with Bank of America, at the time of opening my credit card account, Bank of America required a {$99.00} deposit, at which time I paid as part of the opening of my new credit card account. 

Its been over 3 years since my consumer credit card account was opened, while doing an accounting of my monthly bills, I remembered the process of what was required of me back in XXXX when I opened a credit card account with Bank of America. I decided to call in to BofA and inquire about the process of the {$99.00} deposit, was it something that would eventually be returned to me automatically, or exactly how the deposit process actually works. 

I was advised at the time of my call, that in order to receive my deposit back, I first needed to request it, then a process of filling out a request was done by a Bank of America agent and would then receive my deposit back in the form of either a direct deposit into my bank account, cashiers check or regular check within 7 to 10 days, I opted for a physical check. This was on or around the first week in XX/XX/XXXX I was also assured that I would be receiving a letter in the mail prior to receiving my refund check. Neither took place, no letter, no refund. 

I then reached back out to Bank of America around or about the middle of XXXX, explaining the situation and that I had never heard anything back from BofA, the agent at the time was very nice, explained while apologizing, stating that she could see that I had called and requested the refund of deposit. Unfortunately, the rep didnt properly process my request. She assured me that this time, she would get it right and that for sure, I would receive my refund check in the amount of {$99.00} and in addition, I would be receiving a letter confirming the process. 

Well, its now XX/XX/XXXX and I have received nothing or heard nothing from Bank of America, I advised the agent at the time, that if I didnt hear back from Bank of America, I would then reach out to the Consumer Financial Protection Bureau and request that they look into the issue further. 

Please investigate the situation and lets hope for a quick and easy resolution to the problem. There seems to be a lack of proper handling regarding my request. 


Sincerely, 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 2018-08-07
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The attached collection notice was uploaded to me on a previous complaint. This notice was never sent to me. It is a false statement the company is making that this collection notice was ever sent to me. They had 30 days to send me a written notification of the debt, which did not happen. As well, I requested a validation of the debt to be provided and 30 days to respond to the validation request. This request was never fulfilled. 

Attached is the lease documents that the company provided in my last complaint to the CFPB. With these documents they claim that the debt is validated. Where in the documents are my lease break terms or any information pertaining to the validation of the debt? There is no documentation proving that this is a valid debt nor have they validated the debt. It is a fraudulent debt and any attempts by myself to clear this up with the company or Hunter Warfield has been met with responses related to, " We don't care, pay us. '' To say this is a proper way of handling a debt collection from beginning to end would be far from the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Continental Finance Company, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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 information incorrect

Complaint:
Both the financial institution " XXXX XXXX '' and the Consumer Reporting Agencies involved, have violated my rights as a consumer under the US Code, Title 15 USC 1681b ( a ) ( 2 ). I have never given written consent for this information to be shared or furnished on any public domain. They have also violated my rights under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by publishing information regarding transactions between the consumer and the reporter. 
They have published an alleged late payment as XXXX days late in the month of XXXX, 2020. 
I have filed disputes directly with the CRAs and had no resolution. 
I have also called XXXX XXXX and spoken directly with a representative while still reaching no resolve. 
This information has repeatedly hindered my ability to operate in commerce.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 2021-07-01
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/ 2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation