BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Complaint : Bank of America closed my claim of {$6000.00} in unauthorized ATM-withdrawals, one day after filing my claim, without investigation or a refund. 

The evening of Sunday, XX/XX/2020 I received a notification from Bank of America on my phone that the balance on my Bank of America Nevada Unemployment Insurance Debit Card Account had dropped below {$500.00}. I went online and found 6 unauthorized ATM withdrawals of {$1000.00} each, at various XXXX XXXX ATMs in XXXX XXXX, from XX/XX/XXXX through XX/XX/XXXX, draining my account to {$30.00}. Immediately after noticing the transactions I called Bank of America. They cancelled my card, which is still in my possession, and issued a new card. They told me to call back the next morning, since the claims department was already closed. 
The next morning, Monday XX/XX/XXXX, I filed my claim totaling {$6000.00} with the fraud claims department of Bank of America. The lady on the phone said I would receive a letter after 10 days informing me how much I would be refunded, and that the total investigation could take up to 45 days. 
I also filed a report with the local police in XXXX XXXX on XX/XX/2020, which I sent per fax to BoA the next morning, on XX/XX/2020. 
On Friday XX/XX/2020 I received a letter from BoA stating your claim has been closed because we believe the account or the claim have been the subject of fraud or suspicious activity. ' and that they would debit the account for any temporary credit that was applied related to this claim, if any. This letter was generated on XX/XX/2020, a day after I filed my claim and postmarked six days later, on XX/XX/2020. In addition, the letter states, that I can request to reopen my claim for further consideration.

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 2020-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just reviewed my credit report and saw accounts linked to my identity theft case still reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: SYNCHRONY FINANCIAL
State: MA
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 XX/XX/XXXX I received a letter from Synchrony bank in XXXX FL saying my request to open a Paypal  account was not approved. I had not requested this and after many attempts to connect with the bank, I was told to contact XXXX. I did and they referred me back to the bank to have this removed from my credit report.. The bank said they could do nothing and XXXX  was the only one who could remove it from my report. 
As of todayXX/XX/XXXX I am in the same place. I've made a police report and hope that you can help me get this removed. 
Thank you

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 2022-09-06
Company: Experian Information Solutions 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 filed dispute for the last XXXX days i sent in the requested documents ftc reporting drive license and the accounts still remain

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 2015-06-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Capital bank is reporting my account like I owe them. I want proof that I opened an account with them. They have received my personal and confidential information from XXXX XXXX Bank which is now closed, re-aged and re-opened a delinquent account in my name. They are reporting it on my credit report. I have reported it to the credit reporting agencies and to them they will not resolve the matter or will they supply proof. I will no longer accept a letterhead they typed saying I owe them. I want hard information, contract agreements with my signature saying I owe them because I know for a fact I do n't and it 's not legal for them to report on my credit report. If you were to look at my credit report, you will see XXXX companies with the same bill have an account in my name with XXXX different amounts but same account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have asked the Credit Bureau on numerous times for validation in accordance with Fair Credit Reporting Act. I have asked for a copy of the original contract bearing my signature. I have never received that. Also explained that i have not received any credit or services from these inquiries or have any of them extended any credit to me. So they should be removed as i do n't have any obligation to them or any lines of credit from these companies.

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 2022-09-11
Company: EQUIFAX, INC.
State: AZ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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 am still in preparations in purchasing a home, I have been monitoring my credit report thru XXXX  and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXXXXXX XXXX  | XX/XX/2019, XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.

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 2020-09-12
Company: Experian Information Solutions 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:
An erroneous entry in the name XXXX XXXX XXXX has been placed in my credit report at Experian by XXXX XXXX XXXX. I have tried multiple times by emails, letters, phone calls and no results have been obtained. They continue to show inaccurate names for which i have never been know, never applied for credit under and these inaccuracies are affecting my capability of obtain loans because right know i have no credit score at experian. 

My full name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent a copy of my driver license to them to correct my information without results. I need your assistance immediately to resolve this issue. As a small business owner I need an XXXX loan and I am unable to obtain it right know because of this incorrect information 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 2020-03-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in XXXX of XXXX, I reached out to XXXX XXXX because I realized that the amount owed to them was reflecting as over {$13000.00} when I only owed {$1100.00} on a collection account that had been out since XXXX. I spoke to an agent at XXXX XXXX who quickly corrected the information. Within a few weeks, the information was provided to all 3 credit bureaus. XXXX and XXXX  updated my information and it helped increase my credit score substantially. Unfortunately, Equifax reported this change as a new charge-off account, which was not the case and it dropped my score dramatically from XXXX down 75 points to XXXX. As soon as I noticed the drop in my score I reached out Equifax shortly after XX/XX/XXXX. I spoke with an agent who stated that there was nothing that they could do as the system just takes the information provided by the creditor and factors it into its algorithm. They suggested I reach out to XXXX and have them make changes to the account and that may help. I called XXXX and paid the amount owed XXXX {$1100.00} XXXX in hopes that this would help ; it did not. They just reported the payment and Equifax just updated the remarks to " Paid Charge-Off '' ; my score stayed the same. I called both XXXX and Equifax a few more times and got the same answers from both. Eventually, I gave up since it seemed none of them were budging. I figured that I'll let time correct the issue. Recently on XX/XX/XXXX, I tried submitting an online request to remove the account since I'm only a year away from it being removed from my account. Unfortunately, that led to my score dropping another 18 points after having gone up to XXXX. I called XXXX once again today XX/XX/XXXX spoke to an agent who stated that they can not remove trade lines from my report and all they can do is provide an updated report showing the dates of the payments. I don't think this will help and would like the XXXX XXXX account removed altogether and my score returned to over XXXX for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a  XXXX   years old  credit cardholder o f American Express ( " Amex '' ). Due to u nforeseen circumstances, I fell behind on my payment. On Tuesday,    XXXX   XXXX  2017    , Amex attempted to make  XXXX  unauthorized withdrawals (  a/k/a Force Post ) fr om my checking account in the amount of {$980.00} which caused me to incur a charge of {$7 0.00} (  see attachment ). I t hen called Amex to a sk if they had taken money out of my account. The representative informed m e that Amex did  and that I needed to make another payment of {$1300.00} by     XXXX   XXXX   2017    or   they would take another withdrawal from my account, but unbeknownst to me and  the Amex representative the transaction did not go through because I did not have t he funds. I in formed Amex once again not to go into my account and that I would call Amex when I was going to make a payment. I spoke with Amex r epresentativ e on two prior  occasions. First, on Sunday,  XXXX   XXXX   2017  to discuss my late payment and make payment arrangements. I was informed by the representative that  Amex could take money out of my account without my permission. I told the Amex repres entative not to go into my account and felt like the representatives was trying to confuse me and get me to say th at Amex could go into my account. I informed the representative that he did not   have my permission and that I did not have that type of money in my account. I had my daugh ter call Amex on  Monda y,   XXXX   XXXX     2017  and inform  Amex again  that they did not have the authorization from me to go into my bank account. I have always paid my  Amex bill through my checking account, but I did not realize it game Amex the authority to go into account at will. I feel as though Amex is tryin g to intimidate me into committing to something that I can not do by threatening and attempting to go into my bank account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with ( XXXX XXXX XXXXXXXX ), all have 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 2022-09-06
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Several fraudulent credit cards were opened in my name, while I was incarcerated. I believe that a family member and/or friend of the family opened said accounts and utilized their proximity to the multi-unit residence that was once my address also. 
I was incarcerated between XX/XX/XXXX and XX/XX/XXXX, Ive provided the below listed creditors with official documents from the local sheriff, letter of Incarceration detailing the time period I was in custody ; yet Discover financial refuse to remove these fraudulent accounts from my credit files. This has affected my ability to get a car loan, and other necessary credit and housing accommodations. 
Discover acknowledged that one of the charges on the fraudulent account opened in my name, reflected a charge to XXXX  a money transfer service for incarcerated individuals, where money had been sent to me, and another unknown individual. This in itself evidences, the fact that I was incarcerated, and someone sent money to me ; ( likely one of the many family members who I requested money from while incarcerated ) However their ( creditors ) illogical rationale for stating the account is legitimately mine, is because some lowlife family member sent me money, from a fraudulent card they had obviously gotten in my name! 
I have requested that both creditors, Discover financial, review the 1 ) .written application for credit, 2 ) .the voice recording ( if the application was done via telephone ) and/or 3 ). the IP address from the electronic device/computer that completed the application ; which will prove that someone other than myself, who had ABSOLUTELY no authorization for me, opened these accounts fraudulently! 
The other fraudulently opened accounts, bank accounts, and utility accounts which were all opened fraudulently by someone else during the period of my incarceration ; have been removed after I provided those companies with the same documentations Ive sent to Discover!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I are repeatedly receiving calls from a debt collection firm in regards to a cell phone debt that we do not owe. They refuse to provide any details about the debt and request us to call back at another number that never gets answered. This company refuses to send us any details via the mail to verify any debt. We have contacted our cellular provider and they have no knowledge of this debt or the company that is calling. 
The phone number we are receiving the calls from is XXXX and from what we can find via the internet is called XXXX. We have received 6 calls from this company in the past 8 days and an untold number over the past 6 months.

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 2022-04-12
Company: Tulsa Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a derogatory mark due to account in collections this month ( XXXX of XXXX ) of which is for a supposed charge from XXXX of XXXX, nearly 4 years ago. Of which in the last 4 years, I have not received any notices or communications that I am in collections. The charge is of a very minimal amount, one that would have never gone to collections. My standing credit score is in the mid XXXX 's, with no late or missed payments, and this is extremely out of the norm as well as not to mention the fact that I have received zero communication in the last 4 years about this supposed debt of mine. 
The original debt is supposedly from XXXX XXXX XXXX, of which I do not remember ever going to or getting a bill from, which then sold the " debt '' to XXXX XXXX in XXXX, OK, of which have not contacted me regarding this, and then 4 years later decided to run it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
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 been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for  VALIDATION  was online and the results came back as " verified ''. When I called in  XXXX    XXXX    2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 di sputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE  MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely spe ak English an d I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it  is prevented me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX liens showing on my Equifax report. The federal tax lien has been withdrawn. XXXX and XXXX have removed the Federal Lien as the IRS withdrawal notice requires. Equifax has not. In addition There are XXXX State of Ohio Tax Liens on my Equifax that have not been deleted or updated as far as I can tell. XXXX and XXXX have deleted these liens as requested by the State of Ohio.Equifax has not.

Company response to consumer: Closed with explanation