BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting 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 am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/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 2023-09-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 : # XXXX, 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 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 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 explanation
Consumer complaint received 2023-12-05
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX I went to Truist Branch ( XXXX XXXX XXXX XXXX ) and met with XXXX XXXX to transfer {$50000.00} from my savings account into a money market account. That day I was not happy with all the very bad customer service I had received from Truist since they had taken over BB & T. I let XXXX XXXX know of the many poor customer service incidents. When I asked what rate Truist would offer me, XXXX said " he wasn't sure and it it all depended ''. So, I asked depended on what? I told XXXX XXXX, that I had been a customer there for more than 20 years, had a credit score of XXXX, and was going to put {$50000.00} into the money market account. So, what would my rate be? It took XXXX XXXX over XXXX minutes of working on his computer and walking in and out of his office to finally state " I can offer you 4.5 % ''. To this I told him that 4.5 % was a horrible rate! I further stated that I could go to any number of banks and get 5 %, 5.15 %, 5.30 % or more. I even showed XXXX XXXX the letter I had from XXXX XXXX XXXX guarantying 5.30 % until XX/XX/XXXX. Well, even though the rate Truist was offering was awful, I told XXXX XXXX to go ahead and transfer the money and open the money market account. I additionally, advised XXXX XXXX that I would be ultimately closing all of my accounts at Truist because of all of the previous bad service ( which I will not go into ). XXXX XXXX did show me a paper that stated 4.5 % was my rate. However, he never gave me that piece of paper. The XXXX forms I received when I left his office were XXXX. Truist One Time Transfer XXXX XXXX. Truist Checks XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. Switch Your Draft/Payment Close Your Old Account Forms. I was never given a RATE DISCLOSURE FORM!! This is ILLEGAL!!! When checking my money market account I saw that the rate was only 3.9 %???? WHAT they XXXX!!! This is FRAUD!!!!! On XXXX I went back to the XXXX XXXXXXXX and spoke with XXXX XXXX. I advised him of everything that had taken place and of just how angry I was with Truist and the FRAUD They were committing. XXXX XXXX emailed the Branch Manager who was meeting with other customers. In response the Branch Manager offered to increase my rate to 4 %. I responded with " XXXX NO!!! '' " This isn't Let 's Make A Deal '' Truist doesn't get to lie to customers and defraud them of money they owe them, and then try to negotiate a lower percentage than the already awful rate I was given on 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 2023-09-12
Company: Experian Information Solutions Inc.
State: NV
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:
There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 
Please remove the listed accounts due to identity theft 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 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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
JP MORGAN CHASE & CO, deliberately and intentionally closed my credit card account. However, according to JP MORGAN CHASE & CO 's XXXX form for the fiscal year that ended XX/XX/XXXX, XXXX file number XXXX filed with the Security and Exchange Commission ( SEC ) , in section Note 14 : Variable Interest Entities ( VIEs ) on page XXXX Significant Firm-sponsored variable interest entities, Credit card securitizations conspicuously states : XXXX Card Services business may securitize originated credit card loans, primarily through the Chase Issuance Trust ( the Trust XXXX XXXX The Firms continuing involvement in credit card securitizations includes servicing the receivables, retaining an undivided sellers interest in the receivables, retaining certain senior and subordinated securities and maintaining escrow accounts. This in fact confirms it to be a trust relationship which I am the beneficiary of, but received no benefit. A forensic XXXX audit of the XXXX  corresponding to the application/account, can and will confirm that the asset backed security, in this case being the credit card application, also referred to as commercial/chattel paper, was purchased, sold, pooled, transferred, securitized, invested and reinvested on the primary and/or secondary markets in both the public and private sectors. As an investor of JP MORGAN CHASE & CO, I am due equitable compensation. This is a clear violation of the XXXX XXXX XXXX of XXXX. Regardless of the reason ( s ) of the account being closed, I have the right to credit and interest. Withholding my access to my securities is securities fraud, unjust enrichment, a violation of the Equal Credit Opportunity Act ( ECOA ), as well as the Consumer Credit Protection Act ( CCPA ). If we are unable to reach a fair and reasonable agreement with the next XXXX ( XXXX ) days, I will have no other option than to pursue legal action for JP MORGAN CHASE & CO 's willful violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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:
I FOUND ON MY CREDIT REPORT NUMEROUS INACCURATE INFORMATION THTA LEGALLY SHOULD BE REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 also states that 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 2023-07-10
Company: EQUIFAX, 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:
hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX XXXX XXXX  there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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:
I FOUND ON MY CREDIT REPORT NUMEROUS INACCURATE INFORMATION THTA LEGALLY SHOULD BE REMOVED FROM 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a copy of my credit report, and I am finding debt that I have no knowledge of and I would like the creditor to remove from my credit report as it is making it hard for me to purchase a new home. The following are listed, and I am asking to be removed immediately : 1. XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX CO {$310.00} XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX 4. XXXX  {$250.00} XX/XX/XXXX 5. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NC
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:
{$390.00} I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged charge off information. XXXX XXXX XXXX  has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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 have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Previously on XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-15
Company: COMMERCE BANK
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I XXXX Sulejmani.enter the Commerces bank XXXX XXXX XXXX XXXX XXXX Kansas XXXX, on XX/XX/2023 around XXXX - XXXX I came in the bank to cash a cashier check with a customer copy for XXXX dollars. I then gave them the check and they took it to verify the check. came back to me and gave me a photo copy and claimed my check was fraud. I got the check from my cousin XXXX XXXX who banks with us bank on XXXX XXXX XXXX XXXX Iowa XXXX they then closed my account and took the check from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been the victim of identity theft. Because of this, I have fraud alerts placed with all three major credit bureaus. On XX/XX/XXXX, I received an alert from XXXX that Credence Resource Management had placed a file for collections in the amount of {$82.00}. It did not give any further information on my credit report. I contacted Credence on XX/XX/XXXX, and they said that the debt was from XXXX XXXX. I have previously had three other collection agencies tell me they have a collection from XXXX, all which were successfully disputed as possible identity theft. I have also filed paperwork with XXXX. XXXX has said they can not find anything under my social security number, nor the account number that has been given to me by Credence and that I should contact Credence and not them. Credence repeatedly says I should contact XXXX. The last representative told me that XXXX would not have access to any of my information, nor have record of the collection, but I should still contact XXXX. How would Credence have information on a debt for XXXX, but XXXX has no record of it? I'm not sure what is going on. 
Credence claims they have sent out " multiple '' letters to me and have called me " multiple '' times. I have not had any letters, nor phone calls from them. This solely appeared as a collections account on XXXX. I have filed police reports, identity theft reports with CFPB and XXXX, and have disputed everything. Just when I thought I was seeing the mental light from my thoughts of self-harm over all of this financial burden I've been placed in for identity theft, they keep coming back haunting me. I've spoken with my therapist, and we are now on a better front as far as that goes. But since the person that I believe may have been the perpetrator of my identity theft is someone that XXXX me, XXXX  me, put a XXXX to my head, and gave me XXXX, this brings back all of that all at once. That person is now dead, but I am left to deal with the repercussions of their actions. 
During the calls do Credence, they kept just trying to get me to make a payment and ignore me when I said that it was not my account and was possible identity theft. THe one agent I clearly told I am not making a payment, clearly said that he is not asking for that, but we can settle this today for {$46.00}. Even after I told them it was not my account, not my debt, and disputed it, they tried to collect. It was my understanding that after you dispute an account, they can not try to collect for 30 days. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 non-monetary relief