BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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 the approved credit card and one declined from Bank of America that I never applied for last name was spelled with one letter short I called the one and they told me to report it 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 non-monetary relief
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$540.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX Inquired on XX/XX/2021 XXXX XXXXInquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: WA
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:
Equifax is knowingly reporting INCORRECT information on my credit report. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the ACCURACY, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. 

XXXX XXXX XXXX is being reported with a 30 day late on XX/XX/2022. 

THIS is incorrect and the creditor has sent in the information to them specifying that this was an INCORRECT report and should be updated with NO 30 DAY LATES. 

Please see attached paperwork from the creditor which is exactly the same form sent in to Equifax demanding a correction on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving phone calls for a company called Portfolio Recovery. They have called numerous times, and they always use a different phone number. They never leave a message, and I do not answer these calls since I do not recognize the numbers. These are some of their numbers : XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX CDT on XX/XX/18

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charged me thousands in overdraft and non-sufficient funds fees. Also when I would cash it deposit a check, they held my funds for days to weeks.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information was stolen in. 2021, since then I have been seeing a lot of unauthorized inquiries and accounts. In accordance the Fair Credit Reporting act multiple unauthorized Inquiries have been on my credit report, please Investigate and Remove all inaccurate Inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Inquiry : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt and have asked for the company to provide me with the original debt to date I have not received verification of the debt. Particularly since my son has the same name. Please have them delete this from my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Account information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX RE : Accounts XXXX XXXX  XXXX # XXXX XXXX Closed ) XXXX XXXX XXXXXXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed XXXX XXXXXXXX XXXXI # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed ) SXXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXX XXXX # XXXX ( Closed ) XXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX XXXX # XXXX ( Collection ) XXXX XXXX XXXX # XXXX ( Debt Buyer ) XXXX XXXX XXXX XXXX XXXXXXXX ( Debt Buyer XXXX XXXX & XXXX # XXXX ( Collection ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you,

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 2021-12-05
Company: Bridgecrest Acceptance Corporation
State: MD
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 am distressed that you have included BRIDGECREST CREDIT COMPANY , LLC information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

Companies aren't responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

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 2023-05-09
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AS OF XX/XX/2022 XXXX XXXX  CLAIM THAT I OWE XXXX FOR MEDICAL REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
If you would please be so kind and review my previous complaint with Wells Fargo, it would be most helpful. You will understand the whole complaint. They never resolved anything with me, nor were they helpful. They dismissed my complaint and foreclosed on my home. It was heartbreaking and devastating.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-22
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: Personal information incorrect

Complaint:
I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS. 
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME. 

I AM NOT A MANGER THAT IS BEING FASLY REPORTED.

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 2021-12-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a account with chase bank. I had unauthorized XXXX  transactions on my account. It was about 15-20 different transactions to people totaling about XXXX dollars. They gave me a provisional credit, then about 10 days later they took it back saying after they investigated they found no error had happened. Ive called them numerous times attempting to get them to reopen the claim but they are no help. Im coming to you guys as a last resort

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to be on my credit 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 2023-06-22
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-12-05
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a statement by TD bank about an opened checking account and I know this is a fraudulent account because I never opened it. I tried calling TD Bank but never got to speak to someone on their customer service line for about an hour after holding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-07-22
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Vehicle was deemed a Lemon under NJ statutes, I was told I did not have to pay for the vehicle while under attorney protection. Ally continued to call & harass myself and my father, while attempting to repossess the vehicle. 
Ultimately, the vehicle was totaled in a crash. Now, trying to get in touch with someone at Ally has been an absolute joke. HOURS wasted on the phone, on hold, the wrong people transferring calls, payments misdirected, absolutely abysmal. 
The astronomical amount of XXXX  and laziness shown by these people have prevented me from closing on a house. Because I need this matter to be cleared, myself, my father, and my insurance company have been trying non-stop to get someone with half a brain to get moving on this. 
There have been MAJOR issues with Ally and the handling of this. Their Total loss department was contacted by my insurance company on XX/XX/2020 to initiate the loss. It wasn't until two weeks later my insurance company called them to find the status and they didn't even begin the process!! The Gap insurance company has NOTHING from Ally and I had to open the claim myself ( which is Ally 's responsibility ) just to find out Ally has done NOTHING as well for the Gap payoff amount. 
My father took the initiative to pay off the payments that were in question ( in order to show the account is in good standing to allow the house lender to close ) and they screwed up where the payment went!! Now, their XXXX  caused another delay which is preventing the close on the house. 
Their customer service staff is completely useless in every way and now I will be without a home as I need to be out by XX/XX/XXXX, and the closing was supposed to be a week ago. 
If I can not get into my new house by Friday the XXXX I will unleash a lawsuit on them.

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 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Around XXXX or XX/XX/XXXX. I was notified that I qualify for XXXX benefits from North Carolina. I had requested them to go in my regular checking account but for some reason they went on the prepaid Bank of America card. My account was unexpectedly and with no communications from Bank of America, frozen and take a -XXXX and some dollars. It was left that way I believe until XX/XX/XXXX and this happened and XX/XX/XXXX me and my son had just moved into a place after previously losing our home and XX/XX/XXXX. But due to the neglect and poor diligence of Bank of America, we were evicted after our power being disconnected in XX/XX/XXXX because of the coronavirus and the presidents order to not leave our XXXX, unless we were healthcare worker to go to work I have no other options or other means for survival. Not to mention that my mother was in her last year of her life fighting her battles battle with XXXX XXXX. Bank of America has absolutely destroyed my life. My son had to be placing another family members home due to me not having a home I slept in storage buildings I walk the streets, lost any bit of respect I had for myself and dignity. I have been humiliated I have begged I pleaded with Bank of America to assist me in getting this resolved after two years now they still have not gotten anything completely resolved. Ive had three people reach out to me for Bank of America supposedly to resolve this matter that each one of them cause one time, and I never hear from them again

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 2020-09-12
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Prior to XX/XX/2016 I applied for a credit card and was approved. After losing my job I was unable to pay for the credit card. Being XXXX, with no job and unaware of how credit worked, the credit card was put into collections for {$600.00} on the date stated above. After learning more about credit I am now in the process of fixing my credit score. 

The reason I am reaching out to CFPD is because I have attempted to reach out to Midland Credit Management multiple times to settle the debt but have not been successful due to what that are saying is migration issues on their end.

Company response to consumer: Closed with explanation