BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore XXXX, Transunion, and XXXX are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to XXXX, XXXX, or Transunion to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.

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 2018-05-23
Company: Experian Information Solutions Inc.
State: CA
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. 3 Credit Bureaus are reporting me late. There was definitely an error on their part. I was never 150 days late in XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have an account that is invalid on my reports. The account keeps coming back as verified. But how can that be if it is not verified/validated. I disputed with original debtor and it was removed from all 3 reports since it could not be verified/validated. Then the debt buyer came along and reporting on an unvalidated/verified account. XXXX deleted since it is a violation. However, Equifax & XXXX still are in violation. Please get this deleted immediately. 

XXXX original debtor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am requesting that TransUnion actually investigate instead of giving semantic answers. I have provided more than enough information to conduct an investigation. I am requesting that all of the attached letters that have previously been sent to TransUnion be ACTUALLY investigated. This is my final notice before I file a lawsuit for willful non-compliance under the FCRA.

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 2022-09-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022, I tried to submit a collection dispute on the Equifax website several times, and even though I was able to submit the dispute they would not allow me to attach supporting documents for the dispute and their additional information box was only limited so I could not further explain my dispute. I had to submit the dispute without this documentation and I believe they will not properly investigate without this information. They did not give any other way to submit the information for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
A fraudulent account was opened in my name with truist. I received a letter in the mail stating that an account was created in my name. I immediately called the fraud department of truist to find out more information and demand immediate close of this account. The fraud department reached out to me by mail stating that I had to put my money in this fraudulent account that was created to bring it to a XXXX balance in 7 days or a charge off would be placed on my consumer report. As a consumer why am I being held liable for a mistake that truist made? Letting a fraudulent account be created in my 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 2018-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, at XXXX XXXX, I received an email supposedly from Bank of America. It reads as follows : Exclusively for : ( they put my email address here ) Your nline anking has been dsabled for securty purposes, We've detected an unsual activites from your acccunt, We want you to confrm your dentty to secure your accunt. 

Want to confirm this email, s from ank of Amerca? 
Sign in to nline anking and go to lerts History. The lerts History lists the Alerts sent to you in the past 60 days. 

This Alert relates to your Online anking profle, rather than a particular accunt. The accunt listed here is for verificatin purpses only. 

Ths message was maled automatcally to " XXXX '' during routne securty checks. 

Thank you. 
ank of merica Supprt Team Please do not respond to this message.

HOWEVER, I DO NOT EVEN HAVE AN ACCOUNT WITH BANK OF AMERICA! 

They embedded a link under this line in the email : Sign in to nline anking I did not click on it.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: TX
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-10-28
Company: EdFinancial Services
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I tried to finish my XXXX XXXX for XXXX XXXX and was unable to complete the work because no one provided me with the books for the classes so there was no way to do the homework or course work. So by the time I dropped out because no one would help me it was a little to late with some of my loans and pell grants. But I at least emailed them once a day and never received a response. I don't feel this is my burden to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ive been unable to use my funds that Ive had direct deposited into my bank account. The app blocked and locked my account when I tried to make a payment. Ive called and spoke with numerous reps only for them to tell my account is under review with no explanation as to why and received the same lie that someone from back office will be calling me but I have not received a call. This has caused me to be late in my rent payments and possible being evicted

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 2023-09-18
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
My wages are being garnished. This company sent all of the correspondences to an address that was not mine for a wage garnishment. By default, the judgement was granted and the company has seen proof that this medical bill was paid. Collection agency described as " Waterfall '' or " XXXX XXXX '' has some sort of relationship with the judge in XXXX XXXX and brings their cases there. My debt was not in XXXX XXXX and I am not from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi I am calling about refunding my student loan payments with EdFinancial. I have had different customer service representatives give me conflicting reports about when student loans will be reinstated. Please help me so I can stay eligible for the student loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Kls Financial Services {$1800.00} XX/XX/2019. 

Before noticing this credit report I had been communicating with my XXXX. The person in charge of billing was XXXX who no longer works here. I was communicating with XXXX about my injury and what prevented me from paying as she stated they would work with me. XXXX who in charge also verified he saw the emails. I spoke with a XXXX from XXXX XXXX XXXX and he informed me that the letters that was sent to me was returned because they was unaware of the conversations. This amount should not be on my report because I was unaware of it going on my report. I never refused to pay and was told the office would work with me as they have before. Im asking for this to be removed. A balance is placed on credit reports when failed to pay or no communication but i communicated and was told that the office would work with me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
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 was a victim of identity theft therefore i have no knowledge of this debt owed to XXXX XXXXXXXX XXXX for {$3800.00}

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 explanation
Consumer complaint received 2021-10-28
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
to whom it may concern. 
on XX/XX/XXXX, i purchased an Item from XXXX : {$140.00}, and the purchased was canceled, then on the XX/XX/XXXX the full amount of {$140.00} was credit back to my discover card end : XXXX this was showing on my discover account website. but on XX/XX/XXXX the discover posted the temporary an investigate pending amount {$140.00}??? why be cause the XXXX already credit & refund it back to my account on XX/XX/XXXX. now the discover card said I OWE {$140.00} back from XX/XX/XXXX as it said reversal on my account ' however it post as XXXX transaction {$140.00} ON XXXX?? WHY NOW?. From XXXX XX/XX/XXXX all my account statement never posted any amount {$140.00}, until now XXXX?? DOES THIS ACTED comply with the '' BUSINESS & PROFESSIONAL CODES ''? 
- Please be kind to fully investigate this matter, to ensure it won't happen to any consumer. 
BEST REGARDS XXXX XXXX CELL # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a " process server '' and they told me to call another number to try to resolve a case they were trying to serve me for without saying what I was being served for. The company that I called acted like they weren't sure what to do with my debt and since the process server said their phone number, then they guess they could continue the mediation process. I asked for information in regards to what this was and they claimed I should have received paperwork back in XXXX, which I had not. I can't find their business online anywhere and the phone number I plug in doesn't return any associated business. They did send me an email with only payment options but no address or other information for the debt or their right to collect the debt. They informed me the only way I will get paper documentation would be to get served. Also if I did a debt validation letter that wouldn't stop me from being sued and it would take too long to get the information out. They also said I would owe over {$5000.00} if it went to court but if I did out of court options it would only be around {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent documentation to experian about an account that was deleted but remains as a closed account. I wrote to them over 30 days ago and sent the following. The fair credit reporting act 15 usc 1681s 2 that no one shall furnish inaccurate information. I ask that this account : XXXX XXXX be deleted immediately.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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.

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 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 2021-10-07
Company: Grant Mercantile Agency
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Back in late XXXX early XXXX I was moving apartments and selling some of my stuff on XXXX XXXX I had received some offers about purchasing some rugs of mine. The way the transaction was supposed to go down was through XXXX. I have used XXXX before though my Wells Fargo account and never had an issue. Was told that because this person had a " Business Account '' they would have to wire me money first and then I would send back to them. Sounded fishy so I XXXX " XXXX contact numbers '' and was given a number that looked official from a website which I now know was a fake XXXX website. 

When I called the number they told me I would have to make a couple of transfers to them which were 2 XXXX  transfers in order to make sure the transactions were valid. I noticed the money went out of my account but I didn't see it come back to my account. This happened within minutes and the date was XX/XX/22. I called WF within 10 minutes of the transaction and told them about it and was initially told they would probably cover it but received a few notices within 2 weeks that they would not refund my money. 

Had no idea that XXXX was a joint venture of some of the world 's largest banks and that they literally have no safeguards in place to rake care of their consumers with fraud like this. There is no recourse and it appears that anyone can open an account for fraudulent purposes.

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 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I received a text message saying that my Bank of America credit request has been approved. I did not apply for a credit request. I looked at my account online and there was a suspicious email that was not mine. I deleted the email in my account profile. I called Bank of America and I had two accounts in my name ( I do have one account with that company. ) Bank of America put a stop or freeze on the unauthorized account and informed me to cut up the credit card when it arrives in the mail. I was informed that no charges have been made on the account.

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 2023-11-11
Company: EQUIFAX, INC.
State: TX
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:
Im issuing a Notice of Impending Litigation. Ill attach the official document to the attachments along with supporting documentation. Ill also be sending the Notice of Impending Litigation to the registered agent listed for Equifax through the Secretary of State and a copy to the Federal Trade Commission as a formal complaint thatll be used as evidence pending litigation if this agency fails to comply with this offer of settlement.

Company response to consumer: Closed with non-monetary relief