BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: CITIBANK, N.A.
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:
My complaint is about CITI CARDS CBNA and XXXXXXXX XXXX XXXX. I noticed 2 unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove this inquires dated, the first one is dated XX/XX/2021 and the next is dated XX/XX/2021. 

Because I did not apply for credit with CITI CARDS CBNA, I have also reached out asking that they remove the inquiry from my credit profile, the contact address i reached out was XXXX XXXX XXXX XXXX XXXX, SD XXXX. The address attached to the inquiry. 

Please launch an investigation into CITI CARDS CBNA inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI CARDS CBNA is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to 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 explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance XXXX {$65.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: 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:
Hello I am in CA and my XXXX BOFA card was hacked severaltimes over the time frame of the pandemic. Unable to recover those funds fraudulently taken from my account. 
I have read the press release and have XXXX the actions taken by your agency against BOFA. Part of the order instructs BOFA to reimburse those people with any funds stolen. However, I can not locate ANY information on how one participates in this process of reimbursement?? XXXX XXXX XXXX XXXX XXXX and am dumbfounded. as I can not locate any locate. 
Please Advise 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 2023-05-23
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-03
Company: Experian Information Solutions 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:
Checking credit reports and found fraud. Child support loan fraud and. XXXX loan fraud. Experian. And XXXX also have save fraud reporting on their files 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am following up to report an ongoing issue I am having with Transunion. It has been over 60 days and I am ONLY seeing THIS fraudulent account on Transunion Report : XXXX XXXX ACCOUNT # XXXX having been verified allegedly on XX/XX/2022. This is account appears to be someone else 's account and Transunion is violating my consumer rights. Under FDCRA, and 15 US Code 1681i - Transunion was suppose to notify me the consumer within 5 business days letting me know they received my dispute of questionable accounts. Additionally under 15 U.S. Code 1681i Subchapter III " If the Credit reporting agencies does not respond within 30 days of investigation request... .They must delete the disputed information. On my credit report I see verified as of XX/XX/2022, Who furnishes the information and certifies that the information is 100 % accurate and complete?? I am not aware of this account having my personal information nor my written consent was not given verbally nor in writing to Transunion nor XXXX XXXX to furnish this account information on my credit report. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.

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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Checking credit reports and found fraud. Child support loan fraud and. XXXX loan fraud. XXXX. And XXXX also have save fraud reporting on their files 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 2022-09-22
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I reviewed my credit reports and saw a collection for {$6200.00} with Midland Funding. I sent a debt validation letter to learn more about the account. 

I submitted my debt validation letter in XXXX, but Midland Funding responded to my request in XXXX. 

I worked with someone to help me translate the letter, but was frustrated that they did not contact me in my preferred language. 

Furthermore, Midland Funding did not provide a final account statement from the original creditor. The debt validation letter shows that the original account is from XXXX but does not provide a final account date, which leaves me without the information I need. 

The account is past the statute of limitations to collect and the account should also be past the seven-year window to report such debt. This account should be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi, I applied for a new BoA credit card online on XX/XX/XXXX. Then I received an email on XXXX saying my application was approved and should expect to receive the physical card in XXXX business days ( which is between XX/XX/1823 ). 

However, on XX/XX/XXXX, which is before the expected card arrival date, when I log into my BoA banking system, I noticed some charges ( XXXX in total ) were post under this new card. I never received the card, nor did I have a chance to activate the card. So the charges must be credit fraud. I contacted the customer support of BoA immediately. The agent helped me to close that card, ship a new card to my home, and create a ticket to research my case. The mis-charged amount was also temporarily removed from my account. I thought the issue was resolved. 

On XX/XX/XXXX, I noticed those amounts were charged back to my account. I went to the secure message center to check my case status. It was closed with the conclusion that my card was actually used by myself or someone I have authorized too, or it was simply lost because of my mistake. Therefore the bank refused me to dispute the transaction. But my point is, if I never received the card, why it is considered my fault to lose the card? Plus, the address I put in the application is my current address. So there is no way for them to send the card to another location. Plus, how did the card get activated? Thought my phone sms code? - My phone was not lost and I never got or sent code for that. I reached out to their customer support again. This time, their response literally shocked me. The agent said they can not help my case further because the card was indeed used. I asked further details about why it can be used without activation, or if they can provide further details about how my card was activated. The person literally said no the card can be used without activation. If it's true, I feel the entire authentication system of BoA is concerning. I don't even feel comfortable to keep the other account I opend with them, since I'm not sure if my money is safe under such a vulnerable platform. 
Besides even if they want to do this, can they at least make sure the card sent can be securely delivered to the customer? Otherwise, why it's the customer responsibility to pay the cost? What mistake they have made?

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 2020-02-07
Company: AMERICAN HONDA FINANCE CORP
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: NY
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:
In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on bed rest, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a XXXXXXXX and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX, I called to report my credit card lost / stolen, and asked for a replacement card to be sent OVERNIGHT to my WORK ADDRESS. XX/XX/XXXX came and went, and I never received a card. I called the same night and asked where the card was. I was told it would arrive by Monday, XX/XX/XXXX ( even though I had requested it to be sent overnight ). Monday, XX/XX/XXXX came and went. I put in a third call to Chase to inquire about the replacement card. The representative assured me it was on the way. Finally, on Thursday, XX/XX/XXXX, I received the replacement cards via regular mail ( instead of overnight ) sent to my home address ( instead of work address ). I asked if Chase can compensate via Ultimate Rewards Points for the trouble and lack of follow through, and I've gotten no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: MI
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 made many cfpb complaints concerning Experian reporting of my name! My name is hyphenated and someone is intentionally manipulating info from tax documents to 1098. It seems again someone is changing my information on documents and possibly loans that were mine in order to attach loans that are not mine in the name of XXXX. I recommend you document this- it might get closed/ deleted and attachments deleted like the pertinent complaints that after 3 months of being on file was deleted. Other things occurring in my XXXX XXXX car.. Items are being stolen from my possession of w2s old tax documents etcold jobs - evidence of fake and real -its crazy that people are allowed to do this! XXXX once said all accounts were submitting XXXX but that wasnt true at the time- I am concerned that someone has taken loans out in name of XXXX XXXX 100 % verified my loans are in my hyphenated name! Why would they ( those behind changing my name in other places ) go through this to prove a point thats false - because it is a way of doing business and more people will suffer until this is exposed! I cant even risk saying what I want about why XXXX continues to report my name wrong then right, then Im blocked- then report it wrong again! Follow up doesnt happen /! its like a scam is going on in dept of Ed/servicers and XXXX. Loans were removed and put back on -! I believe they redid the loans I did take out and went through my accounts, schools, changing things to XXXX - Whats happening is illegal- so many are acting as if the are above the law! XXXX was compromised and used to change XXXX info - I didnt do some of these and it seems disputes were reopened and activity kept happening with out me involved- so much control and I would love to be able to have a fair chance to defend my name instead - someone is determining and changing my name without legal presidence? 
in XX/XX/2022 it seems Equifax added accounts XXXX XXXX back on that were already on.. there are so many things that lead me to believe what Im saying- mainly changes and theft of documents finding two of same thing in diff names!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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: Problem with personal statement of dispute

Complaint:
I have disputed this account multiple times as it is a collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such with me and the actual collection agency ; The debt was sold but I never agreed to such. Please remove from my credit file immediately as this is affecting my livelihood.

Company response to consumer: Closed with explanation