BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kept getting alerts from my credit report saying there was past due payments on two different bank of america credit cards. When I went to look there was two credit cards opened up in XX/XX/XXXX and XX/XX/XXXX. It looks like XX/XX/XXXX is when those " payments '' fell behind and I am now being notified. I had a bank of america bank account that has been closed in either XXXX or XXXX and I have not had any credit cards with that company since.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX report late payment which didn't occur, without providing the option to opt out of that information reporting to a non-affliated 3 rd party prior to them reporting it in a court with 15 US CODE 68 0 2 XXXX must provide me with documentation of this and proof of my consent which is also a violation of 68 0 3 and 15 us code 68 0 1 Also, code 15 usc 1666 and code 15 usc 168 1 81 b when information is inaccurate as it is reported Payment history guide 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Moreover, late payments are transactions per 15 us code 1681 : any report containing information solely as to transaction experience between the consumer and the person making a report, this code that transaction are not included in a consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 opened my credit report and found that there was a couple of inaccuracies in it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
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:
This is my fourth 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 alleged fraud or extortion. 
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 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 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is my formal dispute notice regarding two cases that refers to the Bank of America Acct ( s ) back in XXXX. Plaintiff is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and the Law Offices of XXXX and XXXX, XXXX. I am the defendant and a victim of Identity theft and fraud. 

As reported to the XXXX XXXX XXXX Sheriffs Dept. Levying Officer. I responded to inform them that their information was completely inaccurate, fraudulent and a matter of identity theft. I requested that they return my earnest money that was levied. 

They took {$1500.00} which was garnished from my bank account, including the miscellaneous debit garnishment processing fee of {$100.00}. They have taken my time at the court house, the sheriff dept. and I had to research information which was extremely stressful. Not to mention the gas money to travel back and forth for weeks. I am not a lawyer! Therefore, I had to learn things and gather information and paper work that I am unfamiliar with. I still don't have an attorney. 

I demanded that they validate this information by providing me and the XXXX XXXX Manager Dept. We have tried to subpoena Bank of America for proof of records and asked that the law firm that took over this case to substantiate this debt. 

The case was recently brought to my attention for the first time as of XX/XX/XXXX. On that day I received a letter of ( 13 ) thirteen pages in the mail from the Sheriff department in regards to this case. 

I have never received any summons or been served by the court in regards to this allegation prior to this month, XX/XX/XXXX. When I received this letter I went to the XXXX Superior Court at XXXX XXXX XXXX XXXX. in XXXX, CA. to inquire and receive a case file with ( 80 ) eighty pages of non-conclusive information, accusing me of an alleged debt with NO Authorized SIGNATURE of the acclaimed debt.

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 2023-07-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
WELLS FARGO is responsible for incorrect billing and/or accounting errors. I tendered full payments for the mentioned accounts ( please see attached documents ), but the amounts were encoded incorrectly. Please correct this information immediately. 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 explanation
Consumer complaint received 2023-02-16
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:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

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 2023-07-23
Company: TRUIST FINANCIAL CORPORATION
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX  out of Florida a loan company had someone mobile deposits checks into my bank account XXXX check on XX/XX/XXXX and XXXX checks on XX/XX/XXXX then i sent back {$920.00} on the XXXX and {$1800.00} on XX/XX/XXXX back to XXXX people using XXXX. then on Wednesday XX/XX/XXXX the bank sent the mobile deposits back to whoever sent them then overdrafted my account {$2700.00}.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 Capital XXXX Auto XX/XX/2023 XXXX Dealer Fin XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Capital XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital XXXX XX/XX/2023 Ally XX/XX/2023 Safe XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Star XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIN XXXX XXXX XXXX CoXXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 2023-07-24
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Account was paid in full by bank check sent through USPS priority mail on XX/XX/2023. USPS tracking shows that the envelope that contained the payment check and payment coupon was picked up at USPS facility on XX/XX/2023 at XXXXXXXX XXXX. I contacted the credit company, Comenity, on XX/XX/XXXX and initiated a dispute as they were showing the payment had not been received. Actions since then have included late fees, interest fees and a report to the credit bureaus of late payment more than 30 days. I have spoken to several representatives from Comenity to attempt to resolve the issue, including offering to stop payment on the check and pay the account electronically and I was told the fees charged and report to the credit bureau could not be changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I received my XXXX XXXX ( Comenity Bank ) bill for {$24.00}. I scheduled a payment through my banks online payment system for this amount for XX/XX/XXXX. 

In XXXX XXXX, my bank notified me that Comenity had rejected my payment. At about the same time, I received my XXXX XXXX XXXX XXXX, for {$51.00} the past due balance of {$24.00}, plus a late fee and interest of {$26.00}. 

I determined that the reason for the payment rejection was that I had not updated the XXXX XXXX account number in my online bill paying system ( XXXX XXXX had closed my previous account and opened a new one ). On XX/XX/XXXX, I paid the past due amount of {$24.00} through Comenitys web site. 

On XX/XX/XXXX, I sent a request through Comenity 's web site that they issue a credit for the {$26.00} in fees, explaining what happened and that I had made a good-faith effort to pay on time. On the same day, Comenity agreed to investigate, and stated, Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. 

Over the next 5 months, each XXXX XXXX bill I received continued to add on late fees and interest. In XXXX, the interest and late fees increased. I regularly inquired as to the progress of their investigation. On XX/XX/XXXX, in response to another inquiry from me, Comenity responded, in part, Once the dispute is completed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified based on the results of the dispute. Once it is completed you will be notified by US Mail. I appreciate your patience in this regard. 

I received a letter dated XX/XX/XXXX, stating my account had been credited {$24.00}. Based on this, and because the dispute was now closed, I assumed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified, as promised. 

On XX/XX/XXXX, I discovered that Comenity had reported me as delinquent to credit reporting bureaus. My XXXX bill showed no credits for either the promised {$24.00} or the late fees/finance charges. My credit score dropped 100 points, and other store-branded credit cards ( from Comenity ) have been restricted. I immediately submitted a dispute for the entire balance, and on XX/XX/XXXX, I received a letter from Comenity stating they were investigating. 

My XXXX bill showed no credits, only additional fees, with a balance due of {$320.00}. I received an email on XX/XX/XXXX, stating that Comenity had closed my account and sold it to XXXX XXXX XXXX XXXX XXXX, for collection. I can no longer access my account online, nor communicate with Comenity. 

It appears clear to me that Comenity has failed to follow its own process for handling disputes, and perhaps even credit regulations. I ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from XXXX bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

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 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 my bank account was placed on levy for a credit card debt with a case action in XXXX, Virginia. Previous notice was sent to an address in XXXX XXXX, Virginia which I never received. The case in XXXX XXXX, Virginia was dismissed. I did not receive notice of this case in XXXX, Virginia until XX/XX/2023. I was provided a judges order in XXXX, Virginia that was placed inside the door of my residence on XX/XX/2023. My due process rights were violated and a levy was placed on my XXXX XXXXXXXX bank account with no notice of hearing.

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 2023-07-26
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. This is the third time I try this with this company. I had my document notarized through an online notary in the state of Texas. Company claims I have to go in person as its not valid without a certificate. I have contacted the notary and was notified a notary seal OR a certificate is required to be valid. The notary seal is on my document. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody. 
I am also attaching my filed police report this time. 

What else could they possibly need. You have my ID which shows a different signature then the documents on that lease. You have my signed affidavit. AND now you have my filed police report. Remove this from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: VA
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 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 accounts. 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 explanation
Consumer complaint received 2023-07-27
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I asked synchrony bank to delete my information from their computer programs since my account has been closed for several years. they refused and said that they are not allowed to remove any account information for 10 years as per their policy they are keeping peoples sensitive information in a computer that anybody could hack for 10 years after theyve closed the account. I asked them to delete my information today when I spoke to XXXX and XXXX with their accounts management team and both of them told me no, their system wont let them delete accounts, only customers from California can have their information deleted I want my information deleted from the credit card company. When I ask for them to delete it it should have been deleted years ago when I paid off the balance. That should have been the end of it. there shouldve never been a problem with my husbands account with synchrony, we accidentally paid on my account because synchrony bank did not actually close my account they only made it so I dont have any credit available but all of my information is still in their system. I would like all of my information removed from their system so that nothing like this could happen again and so that nobody hacking there system can get my information.

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