BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. After reviewing my report, I have noticed that there are several errors that need to be corrected. I am hoping that you will take the necessary steps to correct these errors as soon as possible. 

Firstly, there are several items of personal information that are incorrect. The account numbers associated with my previous addresses at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX are incorrect. Additionally, the employers listed for account numbers associated with XXXX XXXX XXXX and XXXXXXXX XXXX are incorrect. 

Furthermore, I am confused as to how the XXXX XXXX XXXX case with Case Number XXXX was verified on my credit report when other bureaus were not able to verify it. I request that this inaccurate information be removed from my credit report immediately. 

I also dispute several unauthorized inquiries on my credit report. The following inquiries have reached the statute of limitations and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( inquiry on XX/XX/XXXX and XX/XX/XXXX ). Additionally, the following inquiries must be removed immediately as they were not authorized : XXXX XXXX XXXXXXXX XXXX ( inquiry on XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry XXXX XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), and XXXX DXXXX XXXX ( inquiry on XX/XX/XXXX ). 

Finally, I dispute several accounts listed on my credit report. The payment status, balance, comments, payment history, and account numbers associated with XXXX XXXX XXXXXXXX, XXXX. ( account number XXXX ), XXXX ( account number XXXX ), XXXX ( account number XXXX ), and XXXX XXXX XXXXXXXX ( account number XXXX ) may be incorrect and must be verified, fixed, or deleted from my report. 

I appreciate your attention to these matters and request that you contact me as soon as possible to confirm the removal of these inaccuracies. 

Sincerely, 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 2023-05-04
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX i went through a divorce and during that process debt was divided.During this time my finances were in crisis as he was the main provider This credit was to be paid by my ex partner. I attempted to resolve this issue once i was able to get a full time job towards the end of XXXX which shortly after was affected by covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Marlette Funding, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I gave them a cease and desist order on XX/XX/XXXX. Then I called to confirm that they received it because I received another piece of mail dated XX/XX/XXXX. On XX/XX/XXXX, I received two more pieces of mail dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX ACCT XXXX. I spoke with XXXX and she said items were mailed to XXXX XXXX. I have never lived there. The company refuses to remove the charges in excess of {$1200.00} from my report. The charge is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America continues to charge my business and personal savings accounts that have had over {$500.00} for the past few months monthly service fees.

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 2023-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I spoke with a representative which informed me my complaint was received via certified mail. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reported 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. 

Accounts : XXXX XXXX Account : 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 2023-04-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I sent a letter explaining that XXXX is reporting that I have an alleged collection account for XXXX XXXX XXXX that is OPEN and with a past due balance of {$960.00}. This is a FCRA violation of requisite METRO2 compliant standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX 34 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. 
Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 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 results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to USC 1681g, I request that you delete these fraudulent accounts from my credit report within 15 days as they are not mine and I have no knowledge or authorization of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: National Credit Systems,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:
hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was a victim of a scam applying for a job ( Data entry ) XXXX XXXX wich is a company from XXXX, they sent me a check for {$4900.00} dollars, They send me this check for computer, printer and materials for the job, which I deposited in my Bank of America checking account on XX/XX/2022, the scammers told me that the check could be cashed in XXXX hours and indeed Bank of America gave me all the money from the check, the scammers asked me to withdraw the money to buy the computer, printer and all the materials and that they were going to tell me where, then they changed their mind and told me that the company with which they bought the computer and equipment received only bitcoins and they made me buy bitcoins at an ATM, I was able to buy {$2900.00} before someone told me it was a scam, I went to Bank of America and they said yes, what it was a scam, so they told me to deposit the remaining {$1700.00} into my checking account so I wouldn't lose all the money. On Monday, XX/XX/XXXX, the check was bound and my checking account was negative ( - {$2.00} ), I called Bank of America and they told me that if I did not pay they would close my account, they offered me to transfer the debt that I have with them to a credit card and that's what I did. My question is : how does the bank allow its customers to cash checks the next day without verifying if they are good checks? And if Bank of America knows that this is a type of scam, how do they allow their clients to fall for them without warning them? In my opinion, Bank of America has responsibility for this type of scam but they do not accept it and allow it to happen! I don't want this situation happen to another person. I already reported this situation to the police. Report # 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 2023-03-14
Company: Experian Information Solutions Inc.
State: NJ
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:
In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. Experian was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. The so-called Collection Agency named XXXX XXXX has been threatening me with calls and under investigation by FTC. Experian 's action is unlawful and lied to CFPB on multiple occasions. 8 times I filed dispute through Experian website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts.

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 2022-07-11
Company: U DRIVE ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Purchased a vehicle and was in a car accident. My insurance totaled it out and XXXX XXXX was supposed to cover the rest. I asked before agreeing if I could buy back car XXXX at UDRIVE stated if I did that XXXX would not cover it and I would still owe for the car. I completed everything they asked and noticed that they were reporting late payments on my credit report which is inaccurate. I then asked them why are they marking late payments on my credit report. I was told that I owed {$1100.00}. Then was told on a separate date that I owed {$1300.00} and then on another date was told I owed {$1100.00}. Then received an email with a different amount as well. Everything is attached as proof. Thats the first invalid information because they do not even know how much I owe. Thats because I do not owe anything, and they are trying to scam me out of paying for a loan that is not NULL AND VOIDED. Then I stated that I was paying interest on the current loan and if I owe this alleged debt why would I continue paying interest on a loan for a car that I no longer have in my possession. I then received a text from XXXX stating thaXXXX once I sent in a payment, he would re-write the loan which I don't agree to, and they would correct the late payments. That does not even sound valid. I have not agreed to re write a new loan because the previous loan for the car that was totaled out is null and voided now. They also wrote on my credit report " ADJUSTMENTS PENDING '' Meaning by law under the FCRA they should not be reporting anything until they have finished with the settlement/deductions/etc. They have been harassing me. Phone calls beginning at XXXX XXXX which is against the law. Text messages and voice mails stating different amounts. This company seems like a scam and they prey on those who they think don't know their rights and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
chime.com illegally closed my account with no explanation and is refusing to refund my money. I have called numerous times and provided all the requested documents which seemed excessive for having this be my account that is linked to my own external account. multiple issues have been raised by other consumer for this exact same practice and can be viewed on XXXX  # chimefraud. This business should be closed and i suspect they have many other customer 's money sitting in their account and have not escheat any of it to the state. a fraud investigation needs to be started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: U DRIVE ACCEPTANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Did not give written consent to U Drive Acceptance to obtain my XXXX credit report on XXXX. I did not ever apply for credit with U Drive Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not apply for these accounts, I did not have access to the lines of credit. These are not my accounts. 


Appeared on credit report, sent letters to dispute accounts XXXX XXXXXXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. 


XXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. 

XXXX XXXX XXXX XXXXXXXX Dates letters sent : XXXX, XXXX XXXX Credit Amount : {$250.00} Sent letters stating this account is not mine, does not belong to me. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America charged me {$60.00} in fees & admitted to doing it purposely - They stated that these " cash advance fees '' are legitimate when they failed to close my two checking accounts & failed to provide a response within 90 days - They have been trying to run the clock out on the dispute period as there is no way to dispute these " fees '' on their website. 

They have openly admitted & refunded one charge out of the five. 

They also charged {$0.00} interest I had {$500.00} in my checking, which should have been issued to me when I attempted to close the account, instead the bank thought it would be necessary to lie & state that I " have overdrawn accounts '' This started XX/XX/2022 & I am extremely upset!

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 2023-03-05
Company: Experian Information Solutions Inc.
State: TX
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 AND EXPERIAN CREDIT REPORTING has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EXPERIAN HAS VIOLATED MY PRIVACY RIGHTS AND HAS IGNORED PREVIOUS FTC IDENTITY THEFT REQUESTS, I HAVE SUBMITTED ALL DOCUMENTS INCLUDING GOVERMENT ISSUED DTC REPORT AND COMPLAINTS. EXPERIAN IS NOT A COURT OF LAW, AND MUST HONOR ALL GOVERMENT DOCUMENTATION AS IT RELATES TO FRAUD ON CONSUMER ACCOUNT. 
ALSO, IF EXPERIAN CONTINUES TO REPORT ON ACCOUNTS I HAVE NOTIFIED THEM OF THAT IS FRAUD OR NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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