BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
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 lodging a new complaint on an ongoing issue because my original complaint ( XXXX ) was closed out, although Transunion did not completely fix the problem. 

This is a joint account and they have failed to fix the error in reporting for my husband. When I spoke to Transunion on the phone yesterday XX/XX/XXXX, they claimed they had contacted our credit union and verified that we are late on payments. Today I spoke to our credit union and they said that have never been contacted by Transunion. In other words, the Transunion " supervisor '' I spoke to yesterday lied to me. If we were delinquent on our payments, how is it exactly that Transunion is able to clear it up for me but not my husband? I called Transunion today to report that the supervisor had lied to me. They refused to explain to me what their own internal process is for protecting consumers against this kind of dishonest behavior ( and were incapable of having a real conversation. The representative I spoke to today literally kept reading the same lines over and over word for word instead of responding to my concerns. It's baffling that they pay humans to read scripted lines when they can just have a computer do this ). We still have no resolution and this has been going on for 2 months. Again, the other two bureau 's are having no trouble whatsoever reporting correctly on this account. The account has a {$0.00} balance and has had for months, including the months that we were supposedly delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: EQUIFAX, INC.
State: NC
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 have contacted Equifax several times to remove a fraudulent hard inquiry from my credit report that was made on XX/XX/2018 by XXXX, i have provided a PDF from XXXX credit card services stating this hard inquiry needs to be removed from my Equifax credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early XXXX of XXXX, XXXX XXXX XXXX XXXX processed two fraudulent transactions with XXXX. While the transactions were against our " checking account number '', the signature on the transactions was not ours, nor was it even in our name. 

The transactions were clearly fraudulent, and in our opinion, would have required " insider '' support. In the same month, we received a notification of debt collection from XXXX XXXX XXXX ( an affiliate of XXXX XXXX XXXX XXXX ) trying to collect on the fraudulent transactions. We filed a police report regarding the fraud, and forwarded this report, along with the multipage " disputed debt form '' we got from XXXX XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX. At the time, we requested copies of the fraudulent checks to provide to the police department to assist in the department 's investigation. We never heard back from XXXX XXXX XXXX. 

In XXXX of XXXX, approximately five ( 5 ) years later, we are contacted by Transworld Systems , Inc., aka TSI, ( an affiliate of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) attempting to collect on the debt associated with the fraudulent transactions. The initial contact was via phone at which time we explained that we had done everything XXXX XXXX XXXX had requested in XXXX of XXXX and we considered the matter closed and any further attempts to collect this debt was, in itself, fraud. Subsequent to this phone conversation TSI sent us two letters requesting we complete an " Identify Theft Victim 's Complaint and Affidavit '', a six ( 6 ) page document that resembles the " disputed debt form '' we completed for XXXX XXXX ( 5 ) years previously. 

We feel this continued attempt to coerce us in to paying debt created by XXXX XXXX XXXX 's inability to stop the original " identify theft '' and " fraudulent transactions '' is fraud. The company responsible for enabling the theft is affiliated with the companies attempting to collect the " debt ''. We respectfully request you take action against these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I sold my house and used a Title Company ( XXXX XXXX XXXX in XXXX XXXX, TX ).  They sent a wire transfer of funds to Bank of America in the amount of {$64000.00}. Bank of America has confirmed that they received the wire transfer. My HELOC balance is about {$61000.00}. Yet they have not applied the wire transfer funds to the balance. I spoke with them last Thursday (XX/XX/20 ) and confirmed they got the funds on XX/XX/XXXX. The fed funds wire # is XXXX. I spent roughly 2 hours and 20 minutes on the phone with them today on hold or actually talking to reps in the loan Department ( XXXX ) and the wire transfer Dept. Both parties said they couldnt help me and blamed the other department. I need my HELOC paid off and closed. I am buying a condo in 7 days. I need the overage placed in my Bank of America checking 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 monetary relief
Consumer complaint received 2018-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have phoned Bank of America credit card services about this many times. I was sent samples which I paid for. When I received them I did not use them as I was not happy with the ingredients. I tried to cancel anymore products being sent to me but there is no phone number, address or email on their website. I ave been charged XXXX by youth again face cream and the disputes department will not credit my card. I never received anything other than the samples.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Riverwalk Financial Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We were notified by XXXX XXXX of the problem. We have no knowledge of the debt who the company was or the amount. We contacted XXXX and they were unable to help. The company XXXX XXXX XXXX is under investigation in Texas for trying to make people pay debts they never incurred. We have filed with the XXXX XXXX XXXX in Texas and lodged a complaint. We have never had an unpaid debt .others need to take up the fight against this unscrupulous company XXXX XXXX in XXXX texas . There are no supporting documents because the loan never existed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We rented an apartment at XXXX XXXX XXXX XXXX XXXX that was damaged by the hurricane in 2017. The windows were broken by a tree which we notified the management was hitting our window, months prior. The management failed to repair the window for almost three months resulting in water damage to the wall, laundry room and carpet. Additionally at move in, as documented in the move in inspection, we reported the carpet, walls and cabinetry to be in a state of disorder. These items were never repaired in any semblance. The garbage disposal unit also was in a state of disrepair and leaked water regularly. This was reported many times and did result in damage to the woodwork of the undersink cabinet. 
Upon move out we discussed this with management of the unit and were noted to not be at fault. Months later we began receiving debt collector calls stating a unpaid debt of {$860.00} that was related to these damages that are the property managers fault. We have contacted the manager on eight separate occasions and were promised that this would be addressed. It never has been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Portfolio Recovery Associates has been repeatedly violating the FCRA by reporting as a " Factoring Company '' on consumer reports when they are in fact a " Debt Buyer. '' On my XXXX   report, pulled on XX/XX/2018, PRA is reporting as a " Factoring Company. '' I first noticed the account type being reported on my report after looking through posts online at XXXX. There are numerous people reporting this same issue. PRA is a predatory company with no regard for the law as there are reports of them removing accounts from others reports but still reporting as a " Factoring Company '' on others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have banked with PNC for over 8 years, and recently opened up a large credit line with XXXX XXXX based out of the state of Delaware. My monthly statement came in and I was told I could connect my PNC bank account to my XXXX  to make payment for my credit card balance. When I went to add my PNC account to my XXXX XXXX online payments it stated " PNC has made a change that prevents you from being able to link your accounts ''. I am very upset and wanted to file a formal complaint to see if this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax Credit Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX requested a copy of police report in order to remove from credit report, company never respond after sending necessary documenation in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: SYNCHRONY FINANCIAL
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:
The reason for my writing to you is to state SYNCB/XXXX   is being unreasonable. 
This company requested that I provide detailed proof in regards to being a victim of identity theft. I provided proof that mails which were being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were compromised and my personal information accessed and used without my permission. I attached my dispute letter which I sent to this company on XXXX with Fair trade commission ID theft report, ID theft Police report and my identity documents. 

I am a victim of identity theft. This report is to document compromise of my personal information, resulting from mail taken from my mailbox during the period in question. 
This account and my personal id info may have been  compromised. Please note that mails which was being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were stolen. As a result, I didnt get mail. 
There are possible fraud charges since my charge was {$41.00}, any additional charges were fraudulent. This letter is direct confirmation that I want this account deleted, I have enclosed proof of my identity and a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 
But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : SYNCB/XXXX XXXX Date of account Opened XXXX The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that you remove this account from my credit report. 
Attached : 1. My dispute letter to this company 2. My police report 3. My FTC report 4. My Small claim form

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 2020-10-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor is XXXX XXXX XXXX. My daughter was seen at XXXX XXXX on XX/XX/XXXX. I provided all insurance information which was XXXX XXXX XXXX during that time with an effective date of XX/XX/XXXX. The representative did not update her account with that information and caused an insurance denial on the XXXX policy that was termed in XX/XX/XXXX. I provided the updated insurance to XXXX the day of the visit, XXXX XXXX XXXX after receiving a bill and IC System ( collection agency ). This information apparently was still not updated. 
I spoke with XXXX in the billing department for XXXX XXXX XXXX. He was not able to pull up any account with my daughter 's name on it, only my name and nothing with that date of service. I haven't been to that hospital in 10 years. 
There are two issues, no account with my daughter 's information and the insurance information provided on multiple occasions and now this is showing on my credit report due to their negligence.

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 2021-02-23
Company: DISCOVER BANK
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX a fraudulent purchase was made on my Discover credit card on my XXXX, I made a dispute with XXXX they stated they could not help me. I waited until XXXX of XXXX to try with Discover. They told me since I payed on my account and did not report fraud immediately they could not determine it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened several bank accounts ( personal checking, savings and also a business account ) with Colorado First Bank on XX/XX/2020 and was also approved for a credit card that same day. 
On roughly XX/XX/XXXX I logged on to my online account and saw the credit card account ( which I had not even received yet ) had  charges on it $ ( XXXX ). I called the bank, cancelled the card and filed a claim. I received 'provisional credit ' on XX/XX/XXXX and was fully refunded on XX/XX/2020. 

Just a few days later, I signed on again to monitor my account and noticed that my bank account had been drained. I once again called the bank, filed a claim and answered all the questions. I had possession of the card so this seemed really odd and absolutely terrifying. How on earth was this possible? There were charges amounting to {$2600.00} and there was even a {$400.00} withdrawal at one of their ATMs. I got very little reassurance from them. I was told they would investigate and let me know. A few days later I was told that I would not be refunded because the debit card was in my possession. They didn't even try to investigate! Most of the purchases were made in person ( surveillance? ) and at the very least, the ATM was at one of their banks so they could have checked their camera 's. Instead, they closed all of my accounts without my knowledge, business account and savings too ( they were unaffected ) and a letter stating they would be reporting me to the credit agencies for 'Misuse ' of my account.

CRIMINALS! So now I've been victimized by the bank too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
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:
This is in regards to Account number # XXXX I am XXXX XXXX military and have a late payment on my credit report for XX/XX/2018 when I was assured this payment was made. I reached out to wells fargo and as of yet they have not resolved this matter. I am looking to purchase another home in a different state with my wife and I risk losing the house and a substantial deposit because of this error of late payment reporting please remove asap to have account reflect never late.

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