BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, My information has been stolen from me ( I'm talking debit card, personal info, passwords, my whole life has been hacked ). I saw a fraudulent charge for {$500.00} on XX/XX/21 to my personal XXXX account. When I logged into XXXX, the {$500.00} was then converted into BitCoin but it's not there in the account. I didn't authorize this. I know absolutely nothing about Crypto. The same day, {$1500.00} was moved from my savings account in online banking to my checking account then used to some app called Ramp regarding crypto. I did not authorize this! Again, I don't know anything about trading or investing or anything like that. I have personal financial advisors who do that for me. Then, because XXXX is based in XXXX, I have a {$45.00} dollar international fee that shouldn't be on my checking account either. 
I reached out to my bank ( Bank of America ) to file a claim on the charges. They said they denied my claim because I authorized it and my signature is somewhere on it. I didn't sign anything. They haven't provided me with any documentation that made them reach that conclusion. 
I have also reached out to XXXX and XXXX to file fraudulent claims as well and have heard nothing, Please help me! I have attached my bank statement with the aforementioned fraud charges highlighted. As you can see based on the rest of my bank statement, I do not make those types of charges!

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 2020-06-07
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: Personal information incorrect

Complaint:
My full legal name only consist of one first name and one last name. I do not have now, nor have I ever had a middle name or initial. 

1. XXXX  reports that I have the middle initial of " M ''. This is incorrect and is not my name. 

1. Equifax reports that I have the middle initial of " S ''. This is incorrect and is not my name. 

1. Equifax also reports that I have a former first name as " XXXX ''. This is incorrect and is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I fell victim to identity theft due to the 2017 XXXX  breach that took place. I have spent a lot of time-fighting various claims. This has taken an emotional, mental, and financial toll on me. Time is precious and this is something that is frustrating. There is a delinquency on my credit report for XXXX for an account that was falsely created under my name. I have had to open a XXXX  account to keep others from using my personal information XXXX per month. I had to get the record of my credit card statement at {$5.00} per statement for the past 9 months. I've had to spend countless hours during the year of 2020 with XXXX and XXXX XXXX to stop purchases that were made on my credit card fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out three student loans in XX/XX/XXXX. After being denied a lease at an apartment due to having " 15 negative accounts '' on my credit report. I thought this was odd as I six accounts. XXXX credit reporting company has it correct, however there are three mistakes with my student loans. I took out three loans of XXXX. It seems every time my loan changed hands it created a new account and added another negative account to my report. there are also duplicate listings with the original lender listing the loans as 150+ past due. Also as I defaulted on my three loans after having my taxes taken to pay what it would I entered a loan consolidation. The loan consolidation also appears to have caused this issue but also there are new accounts for each of the account acquired for consolidation as well as the sum total consolidation account. this happened for the original consolidator as well as the current owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was involved in an accident which the vehicle loaned through XXXX XXXX was a total loss. XXXX XXXX as well as my self tried several occasions to resolve the matter. An attempt of mine with their insurance department that I thought resolved the matter was with XXXX, in which I signed a release for the vehicle to go to XXXX XXXX. Previously, the vehicle was picked up from XXXX XXXX lot illegally due to pending case. Until recently, I thought the issue was resolved until I attempted to buy a house and found out I was not only being charged for a wrecked vehicle but, per XXXX XXXX, XXXX XXXX received payment for vehicle over a year ago. As of today, they refuse to offer the power of attorney needed so the car can be paid for by the insurance but offered a settlement amount of {$2200.00}

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have 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 non-monetary relief
Consumer complaint received 2022-01-16
Company: The Aligned Company DBA Extra
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 XXXX XXXX XXXX alleges that I made a purchase of {$56.00} at a grocery store. I didn't shop at any grocery store on that date. I communicated this to XXXX XXXX XXXX. My checking account was debited for the charge anyway. I closed my XXXX XXXX XXXX account on XX/XX/2021. On XX/XX/2021 I initiated a dispute against the XXXX XXXX XXXX charge with my bank. XXXX XXXX XXXX was not able to validate the charge with my bank therefore I won the dispute & the charge was reversed. XXXX XXXX XXXX reopened my account without my permission, unsuccessfully attempted to debit my account, and has since spammed my email inbox demanding that I pay {$56.00}. My XXXX XXXX ends in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Garnishment assigned and no verification of debt received from attorney as asked for. 
Garnishment is from XX/XX/XXXX and then again XX/XX/XXXX {$2000.00} Call place XX/XX/XXXX and was informed they would send verification of many owed, never received, Attorney states they sent letter XXXX with a response. I have never heard from this attorney. Garnishment collected twice XXXX XX/XX/XXXX and said completed Writ og garnishment Doc Id XXXX, Case XXXX I remember having a XXXX XXXX card 20 years ago, my husband has one now. Name on ganishment is not spelled right. I was informed it did not make a difference the person was me. I told them that is not how I spell my name described to them I haven't had a credit card for them in 20 years. They informed me it was to late and this will continue as a garnishment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Reference number XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
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:
Violation of 15 U.S.C 1681A subsection ( i ) as well as 15 U.S.C 1681b subsection 3A violation of permissible purpose. I Sent request through certified mail for a copy of the original contact as well as with authorization to furnish and obtain private source data information from a third party and the only thing that was returned was a alleged billing statements which is not what was. Requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
About three weeks ago, on XX/XX/XXXX I approached the bank representative at Huntington Bank on XXXX XXXX XXXX XXXX in XXXX Ohio to inquiry about a secured credit card or an unsecured credit card as I am attempting to establish credit. XXXX XXXX advised me that I was approved for a secured and I would receive it within a business week. 

I received a Letter of Denial due to no prior credit history. I called XXXX XXXX on XX/XX/XXXX and she advised that she did not tell me I was approved although she did have access to my credit history ( or lack thereof ) I am at a loss as to the services at Huntington Bank can offer a customer attempting to establish credit and there were no other credit options provided. 

This Letter of Denial can affect my military security clearance and promotion and I do not believe that full disclosures were made prior to application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Citibank NA. has fail to invwestigate and help us. XXXX XXXX de XXXX XXXX on XXXX still active account and Citibank NA alsp fail on XXXX at end of XXXX I have reported because company didnor refund and blame XXXX. I should have notice since they asked for different kind of fees arguing and convincing because pandemia situation. 
I fail but citibank was supposed to compliance regulations. I trust them because we were wiring to citibanamex and XXXX XXXX de XXXX XXXX is the excrow account. I have bring the document and show it to teller to do wire.. There were on on XXXX and pending as investigator told me Why they release them XXXX XXXX XXXX spoken to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nad they confirm my money was XXXX XXXX XXXX XXXX de XXXX XXXX. I HAVE SEND INFORMATION SEVERAL TIMES TO CITIBAN Na XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED XXXX XXXX XXXX XXXX XXXX. 
As I was told they do not have time to help a person who does not have a big account they protect and help Criminals because the did not investigate XXXX XXXX XXXX XXXX XXXX XXXXThey mention a bank of XXXX and XXXX XXXX I have not wire them. Suspicious that citibank and XXXXXXXXXXXX should be aware if they follow compliance regulations. They should havehold this wires andinvestigate.. they did on 2 but release them even I have reported. Citibank did not answer said protect privacy.. Only will answer in court with subpoena when I asked Citibank NA to refund as they fail to investigate and request to XXXX XXXX XXXX  XXXX XXXX and account active that was still active on XX/XX/XXXX Why they did not protect me as her client XXXX XXXX XXXX XXXX XXXX XXXX has tried to help me in 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 2020-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
-On XX/XX/2020, I found a listing for concert tickets on XXXX and reached out to the seller at XXXX to inquire about XXXX tickets that cost {$60.00} each. The seller had asked receive payment through XXXX. Trusting that my bank ( Chase ) is behind me if anything goes wrong using their money transferring service XXXX, I went ahead and transferred {$240.00} to the seller/scammer with the email destination of XXXX. The scammer promised to transfer the tickets to my XXXX account, but tickets never arrived. I then tried sending multiple follow up texts and tried calling but then I was blocked by them and sounded like deleted their phone numbers. I then reached out to Chase hoping I can report and dispute the charge and hoping I can get the money back. Chase informed me that there is nothing they can do other than letting the recipients bank know about this and up to them to take any action. Being a customer for a big bank like Chase, we as a consumer should get more protection than that ... We need action from Chase to protect their customer/ innocent people from fraudulent activities like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RADIUS GLOBAL SOLUTIONS continously report to all XXXX credit reports as if I have an account with them. This company constantly change their name. They are NOT the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all XXXX credit bureaus and stop harassing me. They are damaging my credit.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2019-12-23
Company: FREEDOM FINANCIAL NETWORK
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am not quite sure if I chose the best option but I believe this is what best fits my inquiry. I am working with a debt settlement company called Freedom Debt Relief and I am really questioning their practices. From my experience thus far, they seem to not attempt to negotiate any settlements once a Debt gets transferred to a Creditor 's Attorney. They just let those accounts sit there until I get sued and the buck gets passed on to a Litigation service that Freedom Debt Relief provides called XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I pay for separately. My problem is not the fact that FDR does not lift a finger to try and Negotiate a Settlement before the Creditors Attorney sues me, but, the fact that FDR still collects a settlement fee ( which is obviously high ) for doing absolutely nothing with that account. I am investing over {$1200.00} a month into this program and that is too much for accounts to just sit there until they ALL sue me and FDR will collect settlement fees for doing nothing. They claim that once accounts go to a Creditor 's Attorney that they make those accounts their top priority but I really do not see that as I already have been sued and XXXX to care of the settlement. And, now there was another account XXXX XXXX XXXX that has been with their Attorney for about 6 months and now they have sued me as well and it has been passed on to XXXX. Some of the email 's that FDR send to me state that they " Are not Attorney 's and Therefore Can not Offer Advice '' so that tells me that they DO NOT try and do anything with those accounts fallen to a third party. I do not remember this being explained to me when I first enrolled with FDR that they still collect settlement fees when they are not even touching those accounts. I also believe that there are certain creditors that do not negotiate with FDR even though FDR claims that they have worked with these creditors. I will be looking into other options when I speak to an Attorney as this is becoming a waste of time and especially money. I work too hard to pay companies to just sit back and collect fees for doing nothing. They have settled a couple of accounts.. one was a Lawsuit that NLLG handled ( FDR collected XXXX settlement fee for doing nothing ) and one small debt, but, this is irrelevant to all of the money I am investing into this program which is over {$11000.00} thus far. I believe this company is deceitful and is not completely honest about what they can do. And, I know that FDR has had problems in the past with consumer complaints that are very similar to mine. 

As far as dates, I started with FDR on or around XXXX of 2018 I believe and as far as other dates, I do know when certain payments were collected but I am filing a complaint because I really believe, like I said, that this company is in a certain very deceptive and/or misleading.

Company response to consumer: Closed with explanation