BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a problem with Bank of America communication with XXXX XXXX. Reported is to technical on Friday XX/XX/2021. XXXX Case XXXX. I have contacted back on XXXX, and XX/XX/2021 I keep getting that dept is backup and we had a back holiday. It could be another 5 to 10 days. All we do is fill case with that department. I have contacted XXXX XXXX ( XXXX ) XXXX twice. It is not their issue and they are getting multiple calls daily on this issue. My Case number with XXXX is XXXX I was able to connect in the morning of XX/XX/2021 and buy afternoon started getting XXXX error. I have transaction stuck in the to be paid out.

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 2017-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
As opposed to deleting tax lien from my credit file as unverifiable. XXXX marked the debt as paid, in order to keep an unverified tax lien on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX  regarding a collection bill of {$470.00} appearing on my credit report. The report had no information only it was from a medical bill. unknown hospital, type of service ect.. I tried reaching out to what was listed on my report as Medical Bill and used the number XXXX provided. The answering machine identified the company as being C.I. B. I left messages but to no avail. 

This is a false collection charge being placed on my report and the reporting company is not responding to voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my PORTFOLIO. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: MoneyLion 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: Account information incorrect

Complaint:
I opened an account with money lion back in XXXX and had it paid off by XXXX ; before that I opened an account and closed it the same day. Ive already complained due to the time frame it took for them to repay the escrow and now they are placing an inaccurate credit report which is affecting my score, Im contacting my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DPEDXXXX XXXX DPEDXXXX  XXXX DPEDXXXX   XXXX DPEDXXXX 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 listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of  the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL  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 2017-07-08
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo account was positive XX/XX/XXXX and not actively using.
XX/XX/XXXX My identity was compromised, XXXX, XXXX, XXXX, XXXX, XXXX, ID etc.. XX/XX/XXXX walk into Wells Fargo inform of compromise request statements had n't been receiving, Told checking charged off with balance of {$430.00}, unauthorized transaction and reversal of funds, was not enough funds in account but allowed the transactions and was not enrolled in overdraft protection. My phone was damaged in XX/XX/XXXX had no access and my address changed several times according to banker. XX/XX/XXXX File first claim for {$890.00} unauthorized transaction.
XX/XX/XXXX claim denied said my card my pin, unauthorized transaction and requested documents they relied upon over the phone, twice, still yet to receive. XX/XX/XXXX many claims submitted and they submitted all as one totaling {$3200.00} XX/XX/XXXX email investigation complete errors found.called number provided they said credited {$390.00} which was funds they could recover {$600.00} waiting to see if can collect from 3rd party. Credited amount went to charge off and many o consider the case closed. Notices were confusing, again requested copies of documents they relied upon, have yet to receive. Notice states that XXXX did not post to which statements do n't reflect also requested specific charges they claim did n't post, have yet to receive. Uncertain as to which transactions were errors and actual total of errors.

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 2019-08-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 N/A XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19
Company: JPMORGAN CHASE & CO.
State: VA
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:
XXXX  : Remove wrong the details from my Credit report. 

Please review the attached letter from JPMCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft. In regards to my XXXX XXXX XXXX XXXX I sent the Consumer Reporting agencies a copy of proof of identity, a copy of an identity theft report, the identification of such information, and a statement by me that the information is not information relating to any transaction by me. This was sent and received by all Consumer reporting agencies. XXXX has followed proper protocol by blocking the information from my report according to fcra 605B. However XXXX and Experian have not. I have proof of delivery of such items. In general a consumer reporting agency may decline to block or rescind a block of information if the agency has reasonably determined that the information was a error, there was a misrepresentation of fact, or the consumer obtained good or services as a result of the block however, they are required to send me promptly information pertaining to this and have not done so. I was under the impression they had 4 days to block the information from the report unless they notify me of the rescind or not blocking the information. I will be looking at what damages are being caused by not following the strict guidelines protecting consumers from identity theft if this is not resolved immediately. This account must be blocked.

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 2019-10-19
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:
TRANSUNION TODAY SAID I CAN NOT HAVE ACCESS TO ONLINE SERVICE DUE TO INABILITY TO GENERATE SECURITY QUESTIONS TO ID ME ... THIS IS THEIR OWN COMPUTER GLITCH AS MY CREDIT HISTORY IS EXTENSIVE. 
THERFOR I OFFER THE FOLLOWING : XXXX XXXX ACCOUNT NUMBER XXXX SHOWS A 30 DAY LATE ON XX/XX/2014.THE PROBLEM AT THE THE TIME I RECALL IS THAT MY PAYMENT WAS MISAPPLIED TO ANOTHERS ACCOUNT.THIS DISCOVERY TOOK SOME TIME.I HAVE NEVER BEEN LATE ON ANYTHING AND HAVE BEEN A GREAT CUSTOMER AND FAN OF XXXX  AND WOULD APPRECIATE AN NA OR ND ON THAT LATE DATE OR SOME OTHER SOLUTION. 
XXXX XXXX, ACCOUNT NUMBER XXXX HAS MORE THAN 10 LATES THAT WERE CAUSED BY THE CREDITORS FRAUD. 
AT THE TIME OF AROUND XX/XX/2014 I WAS TOLD THAT IN ORDER TO QUALIFY FOR A RECAST OR REFI, WITH REDUCED WRITTEN DOWN PRINCIPAL AND RATE, THAT I WOULD HAVE TO DEFAULT AND THAT THE PROCESS WOULD TAKE A YEAR.AT DECLINE I PAID XXXX TO CURE.I WAS SCAMMED AND NOW HELD ACCOUNTABLE FOR LATES CAUSED BY THEIR CLEAR DIRECT MISINFORMATION.I WOULD LIKE THIS ACCOUNT TO BE DELETED FROM ALL CREDIT BUREAUS EVERYWHERE.

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 2019-10-19
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The main reason for this complaint is XXXX XXXX ( Goldman Sachs ) failure to close account and being misleading about it. 

1 ) On XX/XX/2019, I paid off the balance on my XXXX XXXX ( the account balance was XXXX ) and closed the account by calling XXXX. After a brief conversation, the XXXX XXXX agent assured me this had been done. However, I did not receive a confirmation of the account closure. 

2 ) Today, XX/XX/2019, I called again ( at the same number ) to confirm the account closure and was told the account was still active and only the credit card had been canceled. ( I was surprised because on XX/XX/2019 when I contacted XXXX XXXX/Goldman Sachs, I recall I was clear that I wanted to close the account and did not say anything to suggest the card had been lost. ) I expressed this to the agent and asked again to close the account. She first asked me to agree to a statement and when I agreed she assured me the account had been closed. She said I would receive a confirmation but as I write this complaint, I have not received one. 

The following information also raises concerns about XXXX XXXX security : 1 ) For security and convenience reasons, I tried to change my Apple Card billing address from my apartment address to the same address I use with my other cards ( a PO box ). I tried to do this in the XXXX app, but the update failed with no explanation provided. I tried twice. 

2 ) I called XXXX XXXX support and was told I could change the billing address only when I had a physical card. Even though I didn't want a physical card, I ordered one. 

3 ) When the card arrived, I tried again to change my billing address in the XXXX app, but ran into the same problem as in ( 1 ). 

4 ) I called XXXX XXXX support again and was told I would not be able to change my billing address after all. I told them that I had been informed previously this would be possible if I had a physical card. The agent told me there had been a policy change. 
5 ) I also tried to change my email address to a safer, non-generic email address. I called the customer service but was not able to get an answer on how to do this.

6 ) I decided to cancel the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: COOPER HEALTH SYSTEM
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In response to XXXX 's representation letter I mailed them a letter to their XXXX XXXX ( the only address on the letter and also their automated phone message confirmed this mailing address ) requesting Verification of Debt and all account documentation. 

In addition to the Verification of Debt request, my letter addressed XXXX 's FDCPA overshadowing violation. XXXX sent out a second letter approx. 2 weeks after their representation letter was mailed demanding immediate payment overshadowing my right to dispute the debt. 

XXXX does not pick their mail up as a method to not respond to inquiries such as mine. When I called XXXX during their normal business hours to obtain another mailing address, every extension went to a voicemail. It was impossible to speak with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Experian Information Solutions Inc.
State: PR
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 wrote 9 letters ( sent via USPS Postal Service Certified Mail ) to EXPERIAN requesting proof of verification about items that I identified in my credit report as inaccurate, outdated or incomplete. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. <P/>Tracking Number : Certified mail Receipt Green Card/ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX They failure to provide me with verifiable proof required of account listed on each letter. Instead, they send to me a letter that says ... " We have previously processed this dispute and the creditor has verified its accuracy ''. No evidence of proof of verification has been send to me. <P/>Attach will find the last letter sent to EXPERIAN, LETTER # 9.

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 2017-12-29
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Got the loan back in XXXX of last year not realizing there was a military lending act that prevents that and I am currently out of the XXXX now and interest has built up to the point where they threatened repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-08-03
Company: Diversified Consultants, Inc.
State: FL
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:
TODAYS DATE:XX/XX/2019 ATTENTION DISPUTE DEPARTMENT DIVERSIFIED CONSULTANT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C.  1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation