BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America sent me three notifications by email on XX/XX/2020, that they are going to consider transferring my funds in three separate accounts to the state. To prevent this, they require I interact with the accounts by use of their mobile app, their online banking feature, or making deposits/withdrawals to/from the accounts. I do not have their app and do not want to have banking information on my phone. I do not use online banking either. My preference is to use a local branch for all banking transactions. I do not use the accounts being threatened because they are my savings and I want them left alone unless I need them. 

I called Bank of America to explain that I found the notification of my savings being considered for transfer to the state very threatening. I asked the first person what date the transfer is scheduled for, but he did not know. I asked to speak to a supervisor and she XXXX XXXX XXXX did not know the transfer date. I asked to speak to her supervisor ( XXXX ) and she also did not know the transfer date. I explained that I want to move my savings to a different bank before they are taken from me, but was told no transfer date is currently scheduled. 

The threat of losing my savings is extremely distressing. The attempted manipulation of my preferences for accessing my accounts, upon pain of losing my savings, feels horrific. I leave my savings alone as a point of responsibility. Bank of America has many means of verifying my continued patronage without threatening to take my money and give it to the state. I am what Bank of America calls a Preferred Rewards customer. I can not imagine how poorly they treat their regular customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
XX/XX/2021 I received a direct deposit into my account for {$420.00} and when I try to access my account says it has been locked! I called the company and spoke with two different people one lady transferred me to the account protection office and they told me that my the account was suspended did not give me a valid reason other than that was suspended and that my direct deposit wasn't in there I have a text message telling me they received it and was available but I am not able to access it at all! They told me I had to write a letter to the headquarters in Florida and it could be 30 days, in these times of corona i don't have 30 days to hope they do something! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, on Friday XX/XX/XXXX, I used the XXXX XXXX XXXX site to obtain my free yearly report from the top 3. The site timed out before I could download my report, but when I try to go back in, I get the message they 're unable to complete my request. It appears they think I already got the information I needed so my once-yearly transaction was considered completed. However, I was not finished with what I needed and now it appears I ca n't receive my yearly report from Experian. 

On a side note, the XXXX site says they 're unable to complete the request due to the high volume of requests after XXXX 's data breach. So I was only able to receive one of the three reports I 'm entitled to. 

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 2023-06-29
Company: SF VAGO, LLC
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:
EMVLP II , LLC ACCOUNT IS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS NEVER OPENED BY ME, NEVER AUTHORIZED BY ME TO BE OPENED. IN FACT I DON'T HAVE ANY CREDIT CARDS, I DON'T UTILIZE MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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 would like to Dispute these Account I did not Authorize or give any consent to these companies on my Accounts

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 2021-01-22
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southwest credit systems has reported an alleged debt in the amount of {$50.00} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Southwest credit systems obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Southwest credit systems on XX/XX/2021 and I await a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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: Account information incorrect

Complaint:
XXXX XXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on Equifax and XXXX  it shows dated opened XX/XX/2018 and on XXXX  it shows an open date of XX/XX/2018. The high credit on XXXX  and XXXX  is XXXX and on Equifax XXXX. The credit limit on XXXX  and XXXX  is also showing XXXX and XXXX on Equifax. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: TN
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, 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 2019-02-26
Company: Pendrick Capital Partners Holding, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received the attached latter in the mail from Debt Recovery solutions stating Pendrick Capital Partners ( " PENDRICK '' ) has purchased an account with my name on it. This is a serious  matter because I was a victim of identity theft. And Pendricks has attempted to report false information on my credit report for some time now., Each time they are removed by all Major Consumer Reporting Agencies or By Pendricks XXXX because they are not mine. 

Also I want notify you of the history of the account numbers and amounts owed keep changing in order to re-insert of my credit report. 

This is a serious matter. 

The attached letter says I have the right to request a copy of the contract or other documents evidencing an agreement of debt. I need to see these to notify the bureaus of more identity theft by Pendricks ' or some other person out there claiming to be me Attached is a copy of the notice I received dated XX/XX/2019. 

I have responded within 30 days of the date. Please send all documents showing that this debt belongs to me. I have kept all copies of certified letters from the past I have had with Pendricks ' and their data furnishing affiliates or partners. This debt is an attempt to reinsert a debt that does not belong to me.. As Pendricks ' already know my father passed away and we had the same name. this is all well documented. 

I also called the XXXX hospital in XXXX where this supposedly took place. they said do to HIIPPA they were unable to share any information with me. there are XXXX XXXX 's in the system but there are not any that match my description.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 2021-01-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX of this year I purchased a XXXX XXXX XXXX. The dealer approved me for the loan. There was conditions to obtain the loan, though. Ally Financial told the salesman that I would have to buy gap insurance and a extended warranty. I asked the dealer that I can get GAP insurance thru XXXX and was open to extended warranties. He told me that Ally Financial would be the best option for this because it would wrap everything into one company and that Ally would most likely to approve the loan once I had these added to the loan. I asked him why, he told me that the buyer from Ally said, since I had a filed BK in the past and since the car was a high end car to fix and the the car would be protected and my best interest to go with Ally for this. So, I did what what I was told to do. Covid 19 came along in XXXX. I made the first payment, then reduction of work at work closed our business down. Ally said I could take three months of extensions on the loan. On XX/XX/XXXX I was hit head on by a drunk driver and totaled and she had no insurance. After 1 month in the hospital and losing my job. I got right on the XXXX to pay the car off. XXXX paid out XXXX and then I had a refund from the extended warranty which XXXX posted on my account, I think Ally said it was XXXX and then I started the most lengthy process of retrieving several documents to file the GAP claim. After getting all the documents to Ally GAP claims division. Ally received XXXX. I got a call from a lady, she stated we dont cover the extensions in the gap claim and we hired a third party company to recover the documents for us. So Ally left me owing XXXX. So the cards were stacked against me from the start. I have no way of getting this paid.Also, I thought the money from the extended warranty was refunded back to me, this was also taken by Ally in their own GAP coverage explanations. I am borrowing monies now, from friends and family to pay this. I am also looking into filing a law suit for Deceptive trade practices because engages in this business practice-they have there own formula of choosing what they are going to pay and not pay. Due to ALLY XXXX serious mental anguish, and now have starting to take medication for XXXX and 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 2018-12-06
Company: EQUIFAX, INC.
State: NC
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:
As part of the Equifax Hack earlier this year, my information was stolen from their database in attempts to open a new Credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX  . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH 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 2021-02-26
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX and XX/XX/XXXX, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: ISIS SECURITY INFORMATION SYSTEMS INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency showed up on my credit report. I don't know who the physician 's office is, but I had medical insurance at the time and I've not lived in Maryland since XX/XX/2012. I disputed it with XXXX but my dispute was denied Have a question? 
XXXX XXXX XXXX XXXX are accounts that are seriously overdue and may have been turned over to a collection agency. 
Learn More Account Name XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/2012 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-04-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have submitted this complaint multiple times to Ocwen and to CFPB. I would like someone to call me this time please. Here are details. My dad passed away XX/XX/XXXX and my mom in XX/XX/XXXX. Mom fell behind on payments due to sudden illness. Ocwen refused to apply any payment after that to the home. I am an only child. I have sent copies of death certificate, will and my identifications ( I will attach all those copies here ). They STILL have not contacted me. Each time you send them my complaint, they respond with " you need to send us the death certificates and apply for assumption ''. They never return my phone calls or my emails. I HAVE sent the death cert. I in fact, had my lawyer call and get the email to send them to. This is the email that XXXX, employee # XXXX gave my lawyer XXXX. I want to pay off the home. I do not want to assume the loan. They will not respond to ANY of my correspondence. I have tried to contact XXXX XXXX, office of consumer ombudsman, she only responds to send more paper. She does not call, or email. The paper she sends says " send death cert. '' WHICH I HAVE ... MULTIPLE TIMES!. Ocwen clearly does not want to work with me, because I am trying to PAY A LUMP SUM and pay off property and I HAVE SENT ALL NECESSARY AND REQUIRED PAPERS. They just want the property. Which I will sue for. Intervene please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Perfection Collection
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure about the debt. I dint even know what address this debt belong. I wrote original creditor and asked for signed contract but couldnt show one. I dont owe this debt and never knew where this cane from not mine. Perfect collection will not take off my credit report fir a XXXX account that I never signed up for. I have resided at my address for 6 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: LEXISNEXIS
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:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is Im reference to my Transunion credit report. 

I did not make an inquiry with XXXX XXXX XXXX seeking credit. I do not know how and why it is on my Transunion credit report. Below is the date of the inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is not reporting three paid off accounts from XXXX XXXX, XXXX, and 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