BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.

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 2018-01-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
cra violation inaccurate information id theft gov po report 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 explanation
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America is contracted with EDD for the debit cards there was a court order put in place by a judge stating that they are not to freeze or hold funds on cards however it has been nearly a year now since my card has been frozen by Bank of America they refuse to unfreeze it regardless of the situation I have contacted EDD and I have verified all my identifying information and everything is cleared on their end however Bank of America still refuses to allow causing me to be unable to pay my bills and have lost everything due to 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 2021-09-03
Company: Experian Information Solutions Inc.
State: VA
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 just saw your response to my complaint and it sounds you're denying me as your customer, i am not sure how it works but i only want those inaccurate information deleted please fix your errors or i will seek litigation due to the stressed you caused 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 non-monetary relief
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I received a text message alert from Bank of America notifying me that someone attempted to deduct XXXX separate deductions of {$47.00}, {$47.00}, and XXXX totaling {$120.00}. I replied to the text message with a No answer that I did not make or authorize those deductions from my checking account, the attempt appeared to have been attempted through my debit card. Once I replied with a no answer, my card was locked, and I was unable to use that card. I then called Bank of America to follow up on the alert, I filed a claim with an individual named XXXX XXXX XXXX XXXX XXXX standard time on XX/XX/2021, I explained to her that I did not make or authorize those XXXX charges, and I wanted them refunded or at least not deducted from my account. XXXX agreed to help me out with the issue, she notified me that those XXXX charges of {$47.00}, {$47.00}, and {$27.00} did in fact go through, and that she had to file a claim with the fraud department for {$120.00}. I took a snapshot of the charges processing on my activity page on XX/XX/2021, and it shows the XXXX charges in reversal, but then it shows them deducting after. I then followed up on XX/XX/2021, and I noticed my checking account was missing {$120.00}, and the activity of reversal and the XXXX charges of {$47.00}, {$47.00}, and {$27.00} no longer on there, they were essentially erased, but the XXXX deductions did occur, therefore {$120.00} was missing from my checking account. The fraud department concluded their investigation in around XXXX days, and they said that no match was found for the amount of {$120.00}, that the amount I filed a claim for wasnt missing from my account, I said it was missing, but someone deleted that activity from my account, it doesnt show on my activity because someone let it process, but then deleted the XXXX deductions, making it seem like nothing ever happened. I attached XXXX attachments showing screenshots of the XXXX Deductions processing on XX/XX/2021, the amount that my checking account was going to have after they processed, and another screen shot showing the amount on XX/XX/2021, and the balance on XX/XX/2021, but the second screenshot no longer shows those XXXX deductions, they were erased from my activity, but if you observe, they did in fact go through because my account on XX/XX/2021 was supposed to have {$120.00} more, and it did not, it was missing {$120.00} on XX/XX/2021, that money hasnt been returned to me. Thats why I am filing a claim with you in search of some answers to what happened?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Law Office of Brett M. Borland, P.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for Bankruptcy in XXXX and included XXXX XXXX in the Bankruptcy which was discharged in XXXX of XXXX. XXXX XXXX XXXX  reported as negative credit in XXXX and Sold it to XXXX XXXX XXXX, Which was sold again to a law firm. I have disputed this at least twice and the results were customer disagrees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Bull City Financial Solutions, 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: Information belongs to someone else

Complaint:
Bull City Financial needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
15 U.S.C. 1681b - Permissible purposes of consumer reports I received my credit report & contacted the data furnisher listed informing them their were inquiries in my profile which were not authorized or done with permissible purpose. They ignored my concern with a generic response stating inquiries remain on your credit report for XXXX years The Fair Credit Reporting Act ( FCRA ) regulates consumer reports, including credit reports. Among the many prohibitions contained in the FCRA is the requirement that people using, accessing, or obtaining your credit report have a permissible purpose in doing so. 

Since their was no permissible purpose my credit profile has occurred damages Some of the damages suffered is too many credit inquiries on my credit report. Being denied credit applications or worse finance terms when borrowing money. Second, impermissible credit report access is a breach of privacy. A third party has gained access to my sensitive and confidential information without permission or a legally recognized purpose. 
Most importantly, lax protections against unauthorized access and sub-par security of obtained credit reports make consumers more susceptible to identity theft and data breaches. 
After theXXXX data breach, you think Data furnishers would be more vigilant than ever about protecting consumers financial information. Those unauthorized credit inquiries are more than mere annoyance. They lead to serious financial ruin. 
The FCRA provides consumers whose credit reports have been impermissibly accessed with remedies. 
Their Negligent actions can lead to the collection of actual damages plus attorneys fees and costs. As well as me being able to prove they willfully violated my rights as a consumer and seek statutory damages of up to XXXX and punitive damage XXXX XXXX XX/XX/21 XXXX XX/XX/21

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 2020-10-09
Company: Experian Information Solutions Inc.
State: NY
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:
I have notified Experian numerous times that I AM A VICTIM OF IDENTITY THEFT

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 2018-01-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

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 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

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 2021-12-06
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX {$480.00} XXXX {$590.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX {$5600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$620.00} XXXX {$1700.00}

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 2018-01-21
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments since XX/XX/XXXX, it seems they had no effect on my balance. further more the way Navient shows what my loans are, how many are how my payment is applied to them is unclear. when i had originally started payment i had over 60,000 in loans and i been making payment since XX/XX/XXXX but still it has not gone down one bit. it seems they are only applying my payments to my balance. Furthermore it took me to ask them about income driven payment plan before they offered it to me or gave other options. fr years they never mention it to me. all they did was give me forbearance. The way they keep my account and my loans is confusing, its unclear and very disorganized. i have no way to clearly understand how many loans i got. The statements they send in mail is inconsistent each month its a different balance or loan. Also i do not get my bills every month when i requested it be sent in mail on several occasions. They send sometimes only. They do not send my bill and statement every month like they are supposed to and charge me late fees. then apply my payments to the late fee and interest only so my balance has not gone down in 3 years of making payments. Like in XX/XX/XXXX i had a late payment but i never got a bill in the mail. I was on a forbearance and was not stated i had payments in XX/XX/XXXX. instead i got a letter saying my payment would resume on XX/XX/XXXX now i look at my account online and payments due on XX/XX/XXXX yet i have not received a statement or bill. This company is illegal in the manner they deal with borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
there is an XXXX account on my transunion report that was sold to XXXX XXXX   XXXX that was opened XX/XX/2018 that doesn't belong to me. I don't know who's it is i always had XXXX XXXXXXXX.I tried to fix the issue in the store i gotten nowhere. my last resort will be legal actions if its not removed from my 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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XXXX and XXXX of 2019, I experienced an overwhelming number of technical difficulties with the XXXX XXXX App, specifically regarding to processing payments. I was told that the system glitches from time to time and that I would not be held responsible for the late payments. Fast forward to now, I have paid late fees for both months and my credit is being reflected as if I actually paid late. This does not count the fact that XXXX XXXX still to this day has the wrong address on file for me after I have updated it multiple times.

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 2022-03-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened the account in XXXX ; we recently deposited {XXXX} to the account. 

I was notified today - XX/XX/XXXX about a withholding submitted by a NON-Federal Entity, to take our money. We currently have a Lawsuit against the Non-Federal Entity for Falsifying Information, Additionally, and MOST Importantly, the money being deposited to the account is SSDI and US Navy Disability Payments, which is Federally Protected and are NOT Subject to Garnishment XXXX XXXX XXXX XXXX XXXX XXXX  There are Several Other Sites out there, including the IRS and Federal Government Websites, that say the exact same thing. 

IF YOU OWE FEDERAL TAXES - ( I Do NOT ) https : //www.ssa.gov/OP_Home/handbook/handbook.01/handbook-0129.html I do not owe federal taxes, or child support, or anything else that allows for garnishments. 

I have been through this now with another bank, and they were required to return our money as well. 

I provide information to the fact that this money is Disability Money from the SSDI and Military Disability, and they Refused, On a Recorded Phone Call - They Were Informed that the call was recorded, that they refuse to return the money. 

I'm filing this complaint, and I'm contacting our attorney to engage directly if my money is not returned. 

This is becoming a Rampant Problem with Banks. NEVER Checking the Rules, and Just doing Whatever They Want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by an Fraudulent investing company called- XXXX XXXX  Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by so-called XXXX XXXX  ( the Company ). The total amount of XXXX USD was transferred from my wallet utilizing Cashapp 's services.

They lured me in with the story that they could help me earn money, that i wouldn't have to wokr so hard and have more time with my children.. They sold me an Idea that i unfortunately fell for.

XXXX  blame Cashapp because they knew i was sending money to a scammer and did not do ther due diligence and protect me as their client.

Company response to consumer: Closed with explanation