BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: LoanCare, LLC
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 status incorrect

Complaint:
LoanCare is reporting negative information against a loan beyond seven years from the original delinquency date. 

- The original delinquency date for this loan is XX/XX/XXXX - The seven year date from the original delinquency for the very same loan is XX/XX/XXXX LoanCare began sub-servicing this same loan instrument in XX/XX/XXXX, and restarted the delinquency reporting clock at that time. I now appear to have a delinquency that started in XX/XX/XXXX, instead of the original date of delinquency which is XX/XX/XXXX. LoanCare has reset the clock on a debt that has already surpassed the 7 year mark. 

According to the Consumer Credit Protection Act, if a consumer has a late payment and never brings the account current, it will eventually be written off as a loss. The debt then could be sold or transferred to a collection agency. In this case, the entire account will be removed seven years from that original delinquency date. 

Request removal of this entire account from all three of my credit reports.

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 2023-01-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must remove/correct late payments under XXXX XXXX act. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XX/XX/XXXX I went into the Bank of America location on XXXX XXXX, XXXX, Florida. I wanted to know if the I could bring my bills and offset them with my SSN credit card, pursuant to 28 USC 3002 ( 3 ) ( A ) ( B ) and 18 USC 8. I was told that the bank was not setup to do that for a customer. I then applied for a XXXX XXXX  credit card and I was denied for that credit card. On XX/XX/XXXXXXXX, I received an email notification that stated, " In response to your application, Application Decision Reference Number XXXX We're sorry- we can't approve your request for our XXXX XXXXXXXX XXXX " We carefully reviewed your application, credit report ( s ) provided by credit reporting agencies and your relationship with us. Unfortunately, we weren't able to approve your request. We're sending you a letter with more detailed information and instructions on how to obtain a copy of your credit report. The letter also explains that the balance transfer requests included with your credit application won't be processed. '' My right to credit was denied. Bank of America is in my community as indicated by my zip code and has never loaned nor extended credit to me as a consumer. I am an XXXX XXXX and denied my right that was 28 USC 3002 allows for benefit of an individual XXXX. My initial request did not require a credit check because credit is my right. I also have an account with Bank of America. Additionally, I did not request a balance transfer with the credit application. Pursuant to the Equal Credit Opportunity Act, I was discriminated against for exercising my right under the federal credit laws. I have disputed errors in my credit reports.

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 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a fraudulent checking account with Bank of America using my information. I feel like this is all Bank of America 's fault they don't have the security systems to block scammers from messing with people 's livelihoods. Called BOA and the agent said he closed the account but I still don't feel good about it.

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 2022-08-14
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am in the middle of sorting out a fraud charge actually 2, that showed up in my bank account while I was online. Yeah shocking to say the least. 
I called the bank US Bank via XXXX we locked my acccount the charge was still pending and supposedly they put it on hold and locked my acccount. 
I called back on Thursday of the same week we cx the old card and I got to the fraud folks. 

Today I check my account and the 2 fraud charge posted, the bank fraud folks never once did the job initially so now with my ss retirement due to hit this bank on the XXXX wednesday I am so upset. 

US Bank pretty much told me I should withdrw my ss money as soon as it hits the bank and I was like '' what sleep over at the XXXX  and watch my phone???? '' they could not lock my account infact they wont do anything and my ss retirement ripe for theft - seriously??? Now I cant even change banks until XXXX regarding my ss retirement and this if I have a bank account alternative now - like c'mon US Bank So I called back again to US Bank today yep one more time - these clowns can not even close my account without assuring me the return of the fraudulent charges would happen that fast. SERIOUSLY so clown is taking my money and the banks just lets them do it - what a joke huh not funny my retirement is under threat HELP

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 2019-09-06
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 have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Amsher Collection Services, Inc.
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:
Hey, I am XXXX XXXX and from my XXXX XXXX  someone robbed my stuffed my my truck. He robbed my tablet too and bank check book. In that tablet there was my social security. Then he bought a mobile phone under my social security number. That payment then pitted under collection and lower downed my credit score. So I am reaching you guys to suggest me or provide me information how to protect my SSN to be not used by that person in future. I already reported in police station and they come to know that person who did that robbery. But police is not taking any action against that person. Because he also applied checks from my bank too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My husband and I opened a virtual wallet checking account with PNC Bank. My husband could not establish an online account to manage the account online. After spending hours on the phone with customer service and no resolution, we decided to close the account. I called customer service and explained the situation to the representative and requested the {$25.00} fee to close the account be waived. The representative 's manager approved the waiver of the {$25.00} fee. I made sure to clearly confirm I would not be charged any fees for closing the account. They stated that the fee would be reimbursed to me after the account closed by cashier check. It has now been nearly two months and I have not been reimbursed, even after follow-up calls with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
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:
On the above date and time and had a few inquiries that has been reported to XXXX, Equivax that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXXXXXX, XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos All these inquires are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please remove immediately information is unverifiable on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: U.S. BANCORP
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 checking account with the Bank of America. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

The Bank of America cleared a check against my account with the name on the check XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX with the check dated XXXX for $ XXXX cents. The check ( copy attached ) looks fake, is fake but has my checking account at the bottom. 

I reported the check as fraud to the Bank of America but they decline to refund the amount to my account. While their argument is that I was over the time limit to report the fraud, seperate from this the law is clear, in the case of negligence by the Bank ( which this clearly is ) the Bank is responsible and the state of limitations for fraud in California is 3 years.

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 2021-01-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addressed that are listed do not belong to me. I have never lived at any of those addresses that are posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
experian credit, i have a fraud alert on my report and no phone number for vendors to call me to verify my application. My credit is been hard hit by XXXX 2 times on the XXXX and XX/XX/XXXX because of this, today XX/XX/XXXX i tried to open a bank account and same problems. 

From XXXX i call them and they said i have to fill out form online, they online process do no work, i had to print it and mail which i did on XXXX up to now its not done, i have called then XXXX times in the last XXXX week and still the problem not fix.

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 2021-11-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I filed a report with the XXXX XX/XX/2021 ( XXXX Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with XXXX ( tracking # XXXX ), Equifax ( tracking # XXXX ), and XXXX ( tracking # XXXX ) on XX/XX/2021. It has been more than XXXX days and they have completely ignored my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries reflecting on my TransUnion report are invalid and not authorized : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 Despite countless interactions, and requests for these to be removed.

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 2021-07-07
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:
Consumer rights have been violated. 
Under 15. U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-07-07
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:
Consumer rights have been violated. Under 15. U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addresses that are listed do not belong to me. I have never lived at any of these addresses that are posted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was under the impression, based on comments by reps I spoke to and chatted with online that I would be credited the XXXX interest charge of {$85.00} from XX/XX/XXXX, then again the interest charged on {$78.00} onXX/XX/XXXX. Now, multiple times, when I brought this to multiple reps attention, I got a corporate cookie cutter response and they acted like they never even looked deep enough to find this promise. I got the standard " Fees are charged '' .. Blah, response. I want this promise fulfilled as I expected this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
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:
On the above date and time and had a few inquiries that has been reported to Transunion, XXXX that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting Transunion XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XX/XX/XXXX + Complete XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos All these inquires are fraudulent

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 2021-08-04
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: Personal information incorrect

Complaint:
EQUIFAX is listing my personal information as, " Formerly Known As '', XXXX. Further, on their options to " DISPUTE '', EQUIFAX is providing no options. I have provided a copy of their website showing this listing of a name I have never been known as, and EQUIFAX providing NO option to dispute.

Company response to consumer: Closed with explanation