BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I received a text message from Bank of America asking me to verify two transactions and to reply yes or no to verify that it was me attempting these transactions. I replied no to both and was told a fraud specialist will be in contact with me. I then received a call from a 1800 number that is the same number as Bank Of Americas customer service phone number. The male on the phone stated that some transactions had been attempted on my debit card and theyd be cancelling the card and sending me a new one. I became a little suspicious so I googled this 800 number and it was in fact bank of Americas phone number. He then stated that a charge just went through for a restaurant in Texas called XXXX XXXX in the amount of {$16.00}. When i looked at my account, sure enough, there was a new charge for this restaurant he just stated in Texas. This made me realize that I must obviously be speaking with someone from Bank of America. He then went on to say that there were also XXXX transfers pending for the large amounts and if I was trying to XXXX someone. I stated no and he said since they were already in progress, they couldnt be cancelled. But that BOA can reverse them by XXXX  myself for the amounts. He walked me through the steps of XXXX myself to my phone number that I had on file with Bank of America and XXXX in the amounts of {$3900.00} and {$1700.00}. Upon trying to have me do a 3rd transfer, I had to log out of my Bank of America app and log back in because it was freezing. When I attempted this 3rd transfer, I saw that I was about to XXXX my XXXX  name and my phone number, but I now saw that it said registered with XXXX as XXXX. That name did not show for the prior 2 XXXX transfers. I also received a text message from a XXXX  XXXX XXXX  stating that my XXXX  name had just sent a transfer in the amount of {$3900.00} and {$1700.00} and that its being deposited into some account with them. I immediately hung up the phone and contacted Bank of America myself. They told me that they had not been in contact with me and that I had just been a victim of fraud. Ive since filed a claim with them and its been over a week now. My XXXX depends on this money. Ive since also filed a police report with my local precinct and have Detective XXXX on the case. Ive also filed a claim with the FBI and have contacted XXXX XXXX XXXX  as directed by Detective XXXX to make sure there wasnt an account there opened in my name and I wasnt the victim of identity theft. They told me I do not have an account open with them. I just need this matter promptly resolved. I dont understand how someone can change account information on my BOA XXXX account and I not be notified AT ALL about that

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXXXXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

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 2019-08-20
Company: Credit Bureau Collection Services, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou 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 cannot 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) ApplicabilityThe 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 constructionNothing 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 CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported:XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionI have report your company to consumerfinance.govAs 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. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I was sued by Portfolio Recovery Associates, LLC for a credit card balance I didn't create.

The attorney for Portfolio Recovery Associates, LLC voluntarily dismissed the case in XX/XX/2020. I waited 90 days for this fraud item to be removed from all of my credit profiles. 
I have emailed the attorney for Portfolio Recovery Associates, LLC requesting documentation that their client actually requested this item be removed from my credit profiles. I was told to continue to be patient. This inaccurate reporting has adversely effected my credit. I do not believe Portfolio Recovery Associates ever made the request to delete this item from my credit profile. If so, they would provide me with the proof as I have requested in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been with american express for years. on tues of this week i called to ask about point redemption for my every day card was told i could get a statement credit. whichis what i want. I called on Wed was told this was not right that i do not have a qualifying purchase. She did not explain. i got disconnected i called back. this is all my time. Today i am told i can only get a gift card. this is after the CS rep tells me i do not have enough points to do anything which was incorrect. Bottom line my time is wasted and i am more confused than before. its not worth using this card then so many different answers. being disconnected and then i still have nothing. please do something for my time lost and confusion caused you would want if you were me. but over ; all the promo program is not beneficial to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to get into a citizens home. Unable to get accepted due to negative credit report that do not belong to be. Are fraudulent. I have no recollection of any of these open accounts. They are not mine. I have tried to dispute several times and sent out letters and notices and the representative keeps telling me they will be removed yet remain on the credit report. I am a retiree trying to survive and this fraud with my credit is creating a hardship

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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hi - This accounts is display 4 time on Trans Union and DPT ED/XXXX # XXXX and is DELTED/REMOVED OFF XXXX  and XXXX. Why is still displaying on Trans Union. Please removed ASAP as there was no investigation or the accounts would not be in 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 2023-04-28
Company: EQUIFAX, INC.
State: MN
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:
On going issue with closed accounts. Reporting on my credit profile. The information was pulled from consumer reporting agencies- equifax - XXXX - XXXX - these accs are fraudulent closed accs- I filed a complaint and fraud report with federal trade commission- and my states attorney office regarding thees matters- please remove the filling accs - XXXX XXXX -acc # XXXXXXXX XXXX XXXX -acc # XXXXXXXX XXXX XXXX -acc # XXXX Please note that these accs was tied to my adress and email - details are enclosed with the documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: UT
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:
For the past several months I have submitted several disputes letters to the credit bureaus, Experian, XXXX, and XXXX. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Act XXXX XXXX Acct # 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 an 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 2020-01-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank has now sent me a letter dated XX/XX/2020 stating my accounts available balance was Not enough to cover at least one transaction. We have either paid the item or returned it to the payee : {$30000.00} withdrawl and withdrawn my account {$27000.00}. XXXX XXXX ( manager ) at XXXX XXXX issued new a cashiers check to close this account, then on the following Monday asked me to come back in and write a personal check out of my NEW bank To cover her cashiers check that she had issued, I kid you not. Now I get the letter from Chase that I had written a check to Withdraw to overdraw my account. This branch as well, just told me today that they will not accept my Social Security direct deposit for XXXX, even though they told me my account would be open for 45 days. They have created a nightmare for me and they know that that was initial intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
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 applied and was approved for a covid 19 forbearance plan. Start date XX/XX/XXXX through XX/XX/XXXX. We recieved the approval email from the lender. The next month our loan was sold to another company. The forbearance remains in effect but my previous Mortgage has made an error and is reporting incorrectly that XXXX is past due. Per the email while on forbearance, late fees would stop and reporting would show current to credit bureaus. This has not been the case. I have never been 30 days past due on my mortgage and this needs to be updated as soon as possible.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM USPS XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Open options Account # : CHILD SUPPORT ENFORCEM Open options Account # XXXX CHILDSUPPORT Open options Account # XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

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 2022-12-07
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX I called and spoke to a female rep to make my monthly payment of XXXX. She said I re eived a late fee of XXXX said no your automated system tells me my due dates are by the XXXX of every month and look back at my history and that shows I'm consistent with the amount which is over my payment XXXX and it is always before the XXXX of the month.she said that it tells her my pmts are due by the 1st of every month ... I said that is not what your automated system is showing I asked for a supervisor.was on hold for 30 min.she said no supervisor available will put me on a call list .no ret call. I called XXXX on XX/XX/XXXX I spoke to XXXX went through the whole explanation again asked for a supervisor.placed on hold for 48 min was told no supervisor available..I asked what total was due to pay the account off and clise my account because I was so aggravated.he told me XXXX paid the balance in full and clised the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early XXXXs so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.

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 2023-04-28
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see attached Validation letter. 

On my Debt Validation Letter, XXXX XXXX # XXXX was delivered to XXXX XXXX XXXX XXXX XX/XX/2023 requesting for validation of this debt from AFFIRM, ACCT # ending in XXXX, its past 30 days & i have no response from them & this is a violation of 15 USC 1692g.

On my Debt Validation Letter, i asked them to delete this Account from AFFIRM off my XXXX Consumer Report if they can not validate this debt in 30 days from receipt of my letter, which time has already passed.

Company response to consumer: Closed with explanation