BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove this account ASAP.

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 2023-08-10
Company: EQUIFAX, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : DP OF EDUC XXXX Balance Owed : {$4300.00} US DEPT ED XXXX Balance Owed : {$9100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: BYL Collection Services
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enclosed you will find your abandoned paperwork alleging that BYL SERVICES, Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for I XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and BYL SERVICESare authorized to administrate ( acting trustee ) on I XXXX XXXX, together with a certified copies of signatures contract between you and I XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I, XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I, XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
My I have several address that do not belong to me on my credit report, I do not live at these addresses please delete them from my file they are not accurate : XXXX   XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX This is my 609,623 FCRA dispute Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX county. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
Please delete the following accounts : 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 explanation
Consumer complaint received 2018-12-27
Company: Experian Information 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fees and amounts not right XXXX Did not fix or give money back

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 2022-07-26
Company: EQUIFAX, INC.
State: DE
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:
These companies obtained my consumer report unlawfully violating a plethora of my consumer rights. Not only did they obtain my consumer report unlawfully they are reporting to the credit reporting agencies as inquires. These companies are XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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:
I have already sent multiple requests since XXXX XXXX, 2021, but the unverified accounts listed below are still reporting on my credit report and are violating FederalLaw. The XXXX/Equifax/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of America has denied my claim many times i have submitted all my documents 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 explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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.

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 2023-04-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Information belongs to someone else

Complaint:
I have already sent multiple requests since XX/XX/2021, but the unverified accounts listed below are still reporting on my credit report and are violating FederalLaw. The TransUnionXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: SC
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 received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

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 2018-01-25
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
We finished our three year lease with Ally Financial in XX/XX/XXXX. Throughout the course of the lease I was frustrated with Ally 's billing statements. It seemed that I was perpetually late! Even after I sent in payments in the exact amount listed on statements mailed to my home, I was always shocked to find that there was an outstanding late fee from months before that was now compounding in additional late fee charges. We have had several home and auto loans. Ally was by far the worse financial institution to deal with. Needless to say, we were happy to be finished with our leasing agreement with them. We were disappointed to receive a letter from Ally on XX/XX/XXXX telling that we owed {$1000.00} in excess wear charges. They sent pictures of the " so-called '' damages which appeared to be no damages at all. We told Ally that we were disputing the charges and agreed to only pay for a small dimple dent on the hood of the vehicle that Ally was charging {$240.00} to repair. Ally refused. I filed a complaint with the FTC ref. number XXXX as well as the Better Business Bureau Serving XXXX Michigan and the Office of the Attorney General Consumer Protection Division ref. number XXXX. We jumped through every hoop Ally asked of us however after their " internal '' review of the case ( they had to review because of my BBB complaint ) they stood by their {$1000.00} charge. We were forced to contact a lawyer. Not because we could n't afford the charge but rather because a company should not be allowed to take advantage of customers and bully them into paying for fictitious wear and tear charges. We informed Ally that we had contacted a lawyer. In the process they sent us to a collection agency. My husband and my credit score has dropped 100 points because of Ally Financial. Our lawyer sent a letter to the collection agency and we recently settled with Ally for half of the {$1000.00} charge. Something we could have done back in XX/XX/XXXX if Ally! I was informed by the Collection Agency that Ally is the only one who can take the complaint off of our credit report. This is what I do n't understand! Ally Financial has a BBB overall rating of F, they are NOT accredited by the BBB because of their poor business practices. Of the 136 customer reviews of Ally, 133 were negative, that 's a 98 % negative customer rating! https : XXXX How can a company with a F rating have any authority to ruin a customer 's credit score for 7 years. I do n't know what our recourse is. I just know that something MORE has to be done to watchdog companies from customer bullying. And there has to be negative consequences for companies with a F rating.

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 2023-12-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Beginning in XX/XX/2023, my account was hit with numerous fraudulent transactions ( as indicated in the provided spreadsheet. ) I attempted to submit fraudulent transaction claims online but the system does not allow you to submit any type of online claim. I then called in ( as indicated by the online system ) and explained that I was receiving unexplained credits and debits to my account. I requested assistance in getting these debits and transactions to stop. Unfortunately, the bank failed to take necessary action. There have been a number of companies involved in this issue, including XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Prior to XX/XX/2023, I had never had any issues with these companies. At this point, the moment I deposit funds into my checking account, it is immediately debited. I asked Huntington to close this account and open a new one since they do not appear to have taken any action to prevent these companies from debiting money from my account and they have refused. They also refuse to stop the unauthorized transactions on my account. I tried to open a checking account at another bank and was denied, thanks to the severe credit impact caused by Huntington 's negligence. I have been unable to pay my credit cards because I need a checking account in order to make payments. At this point, my credit has been destroyed and I am forced to use cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: VA
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 disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.

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 2023-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was contact by Bank of America Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 
I am your point of contact until this matter is resolved. 
Please contact me at the below telephone number at your earliest convenience to confirm that you are the party who engaged the Consumer Financial Protection Bureau ( CFPB ). My days and hours of operation are Monday through Friday, XXXX XXXX. 
Please note that we will be providing our response to your concerns in writing via a secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or XXXX of my colleagues will return your call within XXXX hours. 

Thank you, XXXX XXXX Resolution Specialist Regulatory ComplainXXXX Bank of America XXXX XXXX XXXX XXXX - XXXX I have left serval messages email as well no answer or response my right been voilated and XXXX having hardship with bank of america allowed the situration linger for over a year. Not take proper action to fix the problem.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 FCRA, XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, and US DEPT OF EDUCATION account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX XXXX and XXXX XXXX XXXX XXXX account # XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi, I had an account within the whole-time frame in question, I was charged overdraft fees along with insufficient fees and overdraft fees sometimes due to their posting. I lost a house because of the noncommunication with the bank towards me. if they would have talked to me, I would have saved my house instead, I have had years of homelessness. I had my retirement and all my money wrapped up in that house. 
my name is XXXX XXXX XXXX the house I was living in at the time was 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 explanation