BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
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: Problem with personal statement of dispute

Complaint:
I tried to reach out to all 3 credit reporting bureaus with no success. 

Due to Covid-19 my only source of income other than my Social Security are my EDD payments. Unfortunately my EDD account has been flagged and suspended until I can re-verify my identity which I can not due because my driver 's lic. and passport have expired and they are the only 2 ways to start the verification process. I have applied for a new lic. which can take up to 6 weeks to receive. 

Consequently I have not been able to pay many of my bills on time or in full. This has dramatically effected my credit scores. I am hoping that there is a way to intercede on my behalf to remove negative comments until my EDD payments resume.

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 2020-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of the check with no funds and the Bank of American credited the amount to my account and after the scammer 's induction to make me transfer the amount to another account, just 3 days later the bank identified that there were no funds in the check and refused to cancel transfers even though it was a fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. Transunion has me at a score around XXXX. That is a huge difference. Transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter

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 2018-03-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXXXXXX  Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX  XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was trying to connect XXXX XXXX to my new TV and in doing so I was given a code to put into my phone in which I did and was prompted to call this number XXXX. I called the number and was told to download the app XXXX  and then these scammers took control of my phone. My bank card was connected to XXXX XXXX and the people started sending money to themselves at cash tag XXXX XXXX and XXXX XXXX. They told me they had to access the card on my XXXX  account which was XXXX XXXX. They also took XXXX $ off my XXXX account which was on my Bank of America account but they returned that money but not the rest. I had just cashed the money out to put in my bank account why would I take it back out that soon. I contacted my bank and XXXX XXXX as soon as I realized what happened closed the bank account and reopened another one and never put another dollar into XXXX XXXX. I don't understand why they returned the money sent through XXXX which was definitely fraud but will not return XXXX . I have sent thousands of dollars between XXXX XXXX and Bank of America and I don't understand why no one will help me get my money back. I will never trust a bank again because fraud happens and you should have your customers back. I never been through anything like this before.

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 2021-05-22
Company: Experian Information Solutions 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:
XX/XX/2021 a couple inquiries appeared on my consumer report. Someone tried opening fraudulent accounts with my social security number. I've created an doc report as well and demand for all items within that report to be deleted immediately. my identity theft reference number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from ERC ( XXXX XXXX XXXX ) which claimed that I owed {$850.00}. 

On XX/XX/XXXX I mailed a letter requesting validation ( not verification ) and requested the following : Explain and show what the debt is for specifically ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and registered agent ERC ( XXXX XXXX XXXX ) did not respond with the requested information as required by the State of California. 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) reported a collection account on my XXXX credit report the same day they sent the debt collection notice. 

ERC ( XXXX XXXX XXXX ) did not allow the required 30 days for validation ( not verification ). 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) updated the collections account. 

ERC ( XXXX XXXX XXXX ) violated the Federal Validation Notice [ 15 U.S. Code 1692 ] and Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Beginning XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. 

No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account became overdrawn, which caused an overdraft fee. Bb & t continued to charge fees for months after Id stopped using the account. It wracked up over {$1200.00} in fees that had no charges attached

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 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Under CFPB MY ACCOUNT WITH CAPITAL ONE IS CLOSED AND BY LAW THEY ARE NOT SUPPOSED TO CONTINUE SENDING FRAUDULENT REPORTS TO DAMAGE MY ACCOUNT. IVE CALLED AND CONFIRMED UNDER 15 USC 1681. ACCOUNT WAS CLOSED XX/XX/2022 AND REPORTS ARE STILL BEING REPORTED TO MY CREDIT ACCOUNT.ALSO, REPORTS ARE INACCURATE WITH MY STATEMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know the dates I was informed 2017 and that the debt was with XXXX XXXX XXXX XXXX and managed by a " XXXX XXXX '' who I have learned is retired from XXXX XXXX and the hospital was acquired by XXXX XXXX. I was informed when calling XXXX XXXX XXXX XXXX billing that the debt does not exist.

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 2019-05-01
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They repeatedly call and when we answer they hang up. I call back the number from my caller ID and when I finally get someone on the phone and tell they to stop calling they say they have no history of calling our number, even though I tell them I got their number off of my caller ID right before I called them. I tell them to stop calling, they say they didn't and then they call again and again and again, and then I call them back and tell them for the umpteenth time to stop calling, yet they will call back later or the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Consumer financial protection bureau, My name is XXXX XXXX and my bank account has been compromised.On XX/XX/XXXX around XXXX, I started getting emails that I`m transferring money to some unknown persons as well as I have changed phone number to person that I have transferred money before.I called bank immediately, but while I was waiting on customer service representative, they have already stole {$400.00} from mine and my son account ( {$200.00} from each account ) .I have spoken with customer service representative ( using same phone while they were draining money from my account ) and filled the claim.Few days after I did receive claims back, telling me that Bank of America will not honor the claims.I have called them again and I was told that they will re-consider claim only if I can provide proof from XXXX or XXXX  that my XXXX has been hacked? After hours spent with XXXX and XXXX, none of them are issuing any type of written documents that my XXXX is hacked.Also they told me that is impossible to clone sim card or to use same XXXX at two different locations ( what BOA just told me as excuse not to refund me ) .Bank of America issued a file where was stated that I did log in with my XXXX at the time when fraud happen in XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ) .I did not leave Maryland for last 6 months.Just came home from work when that happened ( Please see all collected documents attached from the bank and from my emails ) .Even IP address of hacker is provided.Bank simple ignored whatever I told them and at the moment I can`t get money back.There was another strange thing, that my two forms authentication did not work this time.Ususally then I want to log in, Im getting code on my cell phone, but not this time.In the mean time I made a phone call to the number I have found under recipient email, where money was transferred and follow up with email too.He received {$300.00} total ( XXXX  {$100.00} ), but no idea if he is involved in this fraud ( could be random choice of hacker ) and spoke with him and also exchanged emails ( copy of email included too ) .Latest update was that he would like to send me money back, but his XXXX account has been blocked as well as XXXX XXXX XXXX  account.I did report this to Police ( Case # XXXX ) and to IC3 sponsored by FBI. 
Please help me to get my money back.It has to be some customer protection from the bank or your side.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XXXX to remove THESE 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 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 The items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it 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 non-monetary relief
Consumer complaint received 2021-09-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding unknown and inaccurate things on my credit report. To this day 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason for immediate removal of those items from my credit report. It has been 60 days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted DBA Paragon Revenue Group as well as XXXX XXXX on XXXX as well as XXXX to make a settlement due to accounts being listed on my credit report. When I made contact they each told me that they did not see records of these accounts. The amount for one account was {$100.00} and the other was {$140.00}. I am concerned that these are on my credit report inaccurately and that this is a bait and switch situation. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: NV
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-06-05
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have complained numerous times to Wells Fargo about charging me overdraft fees when my account still had money in the account but I still got charged. I gave up after awhile because I thought I couldnt do anything and I was sick of always having to call in each time it happened. I should be paid back all the inappropriate fees I was charged for still having money in my 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 explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation