BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To Whom It May Concern, I have been Scammed into transferring {$3500.00} by XXXX to a potential scammer, who posed to be a recruiting agent at a Company located in New York. 

On XX/XX/XXXX, I received an email from XXXX offering me a role of a XXXX XXXXXXXX XXXX at XXXX XXXX. They sent me an offer letter in which they mentioned they were sending me a check for {$4.00}, XXXX to buy equipment from their accredited vendor and instructed me to make a mobile deposit to my bank account, so I did. Next morning XXXX XXXX ( as he introduced himself ), told me the equipment was shipped to my home address and that I had to transfer {$3500.00} via XXXX { " Here is the vendors manager XXXX XXXX : XXXX XXXX XXXX Kindly go ahead and {$3500.00} to the XXXX and get back to me with the receipt. 
So, I will be able to forward the receipt to the vendors manager for confirmation Kindly go ahead and do that and get back to me with the receipt Got it? '' } in advance to make sure the equipment was sent and they asked for the transfer confirmation. When I checked my bank balance that morning the funds were made immediately available to my account from the deposit I made earlier, so I transferred the money without realizing it was fraud. Not, only that, XXXX requested that " Here is the XXXX information : XXXX XXXX XXXX XXXX XXXXXXXX him the balance amount of the check to another person which thankfully failed. 
I was then given an option to wire transfer money to : " Send it to this same account : XXXX bank Account Type : Checking account Account number .. XXXX Routing number .... XXXX Account Name... XXXX XXXX XXXX : XXXX old XXXX XXXX, XXXX GA XXXX " After which I asked him to join in on a virtual conversation, which they denied immediately. That's when I understood I was scammed. The check turned out to be fraud and my account was charged back. 

PLEASE NOTE THAT I HAVE MADE SEVERAL ATTEMPTS ON EXPLAINING THIS MATTER TO SEVERAL BOFA AGENTS, I REPEATEDLY XXXX I HAD COMPLAINED THE POLICE AND FBI, HOWEVER THEY NEVER ASKED FOR THE COMPLAINT NUMBERS. SO I HAVE ATTACHED THE COMPLAINT DETAILS AS CAN BE FOUND BELOW. 

ALSO ATTACHING THE XXXX CHAT CONVERSATIONS I HAD WITH THE SCAMMER - ALL TRANSFER CONFIRMATION SENT TO HIM. 

* THE ATTACHED LINK IS THE XXXX XXXX LINK WITH THE IMAGES COMMUNICATED AND HANGOUT CHAT HISTORY IN XXXX FORMAT https : XXXX? XXXX I have been going back and forth with Bank Of America, they just said they can't help recover the money I lost. I am extremely disappointed. 
Attached are the letters sent by Bank Of America as well.

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 2018-08-13
Company: Sonnenschein Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the agency for a redlight ticket I paid in XX/XX/2017. They said the check was cashed but applied to another ticket of mine. I asked for proof of the other ticket because I never got anything from the town. Over the weekend we received a letter and a copy of a ticket for a XXXXXXXX XXXX  XXXX from XXXX XXXX Illinois. The letter says here is proof of your other ticket the letter was addressed to me but you can clearly see the ticket isn't mine. When I called to complain XXXX she said they were in there right to mail out the ticket and letter to me for Mr XXXX. I shouldn't have to pay someone elses ticket and it should have never been mailed to me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
Received a collection notice and a report on my credit reports regarding a debt from XXXX XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX and do not owe a debt to this company or a XXXX XXXX. I do not know who these companies are. This is identity theft and I have attached affidavit to support.

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 2023-05-21
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had my account on square hacked. I called them to help me change my email and password immediately & no money had been taken from this short hack. Because of this they froze my account, not allowing me to move my money into my account other accounts. Because of this I am behind on payments and my account is incurring overdraft fees. They gave me no answers and refuse to help me with this matter. I have over XXXX XXXX in my savings with them that I can not access, meanwhile my other account is negative {$370.00} and receiving multiple {$35.00} over draft fees. I also have tons of bills I will have to pay late which may affect my credit score. I am a single mom and small business owner and I can not even afford gas without the money they are holding from me. I am beyond disappointed with how they handled this matter. No one seems to care and my calls and e-mails get me nowhere! It has already been 5 days with no word.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-11-02
Company: Bread Financial Holdings, Inc.
State: CA
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:
COMENITYCAPITAL/FLDCPR made a Retail Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. 

XXXX XXXX XXXX  made a Bank / Credit Card Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. 

These activities are illegal by law. There is NO permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have removed these inquiries and I am aware that any inquiry is a receipt of a transaction and I never validated any of these transactions. according to 15 usc 1681 ( n ) and 1681 ( o ) they have failed to comply and follow many of the laws put in place. I want {$1000.00} for each inquiry that has been removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX replied back to an cfpd complaint and sent me a letter stating all 3 credit bureau reports has been updated to payment status current never later. However, transunion report still shows 30-60 days late and has not been updated properly

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 2021-06-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing put a non payment note on my credit file and tanked my credit score by 150 points. The original debt resulted from fraudulent use of my credit history to obtain a XXXX account. The amount owed as {XXXX}. This was already communicated to XXXX. It is for an apartment in low income housing in XXXX. I live in Texas. My XXXX account is current and has always been, as are all my accounts are. I contacted Convergent Outsourcing to remove the note and they completely refused. This is abusive, wrong and unfair. They need to be prosecuted for this abusive practice. There is no way a company should be able to do this with no attempt to find the real thieves.

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 2018-12-06
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: Their investigation did not fix an error on your report

Complaint:
I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX  : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX Equifax : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX  XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Account information incorrect

Complaint:
I strongly urge Equifax to take immediate and decisive action to comply with my previous written instructions and remove the inaccurate and harmful information from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( Experian, XXXX, XXXX ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATION- ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a 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 explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. I JUST TRIED SUBMITTING MY COMPLIANT BUT IT WAS CLOSED RIGHT AWAY FOR SOME ODD REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
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 am unable to open a credit union account because check systems state I still owe on an overdraft from XXXX XXXX XXXX XXXX that showed it was written off per COVID 19 relief and is no longer on my credit but check systems state I still owe. Contacted XXXX XXXX XXXX XXXX a year ago to pay it off and was told it was forgiven as per COVID 19 relief Also shows that a loan that was discharged in bankruptcy with XXXX XXXX they say I still owe on as well.

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 2017-02-24
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I reported an unauthorized charge on my credit card with Citi bank. A charge was made that was not expected. The charge was made at a XXXX car rental. I was offered a free upgrade, only to find that that it was not free, but instead charged {$240.00} for this upgrade. When XXXX had me sign they gave me a PDA without a total on the screen, and the salesman said it was an agreement for the car rental. Nowhere was it visible that there would be an additional charge.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2022-08-11
Company: Experian Information Solutions 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 Fair Credit Reporting Act, the following Accounts Have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have 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 2021-06-23
Company: Experian Information Solutions Inc.
State: NM
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  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX, and I am writing this personal statement on my behalf. I've recently uncovered fraudulent information on my credit reports. My personal information was used to open accounts and gain financial goods and services without my consent. I request that the information in this report and attached to my statement be removed immediately. The accounts are listed as follows : Accounts requesting to be removed ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX  ) and XXXX ( XXXX  ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: IN
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  Account XXXX 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 15 U.S.C 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

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 2019-10-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For nine months I have tried to resolve a payment issue with HSBC ( XXXX ) bank credit card. Of nine payments that have cleared my bank, only two have posted the credit card statement. Whenever I call customer service, they never see the depositing their accounts. Twice I  sent copies of my bank statement only to never get official confirmation as to how they would handle the issue. In the month of XXXX, 2019 HSBC ( XXXX ) closed my account. 

Regardless, my credit report has suffered, having declined more than 120 points in the last 10 months. This has caused me to 1 ) loose over {$15000.00} of credit line on various credit card accounts, 2 ) I can not obtain new credit lines, leave alone financing for my business. These are true hardships that have adverse impacts on my livelihood.

Company response to consumer: Closed with explanation