BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Information belongs to someone else

Complaint:
This is the second time I have a complaint about this account XXXX  XXXX  XXXX  # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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: Account information incorrect

Complaint:
I had paid this credit card off completely & was charged without knowledge by Bank of America {$1.00} & they canceled the card for no use by me but never notified me of their charge to the card. I had paid all charges to a XXXX balance on my part & they charged my card {$1.00} with zero notice to me & canceled my card for my non use of the card & then submitted it to the credit bureau ruining my credit. I spent hours & hours on the phone stating my claim with absolutely zero help from BofA reversing this action.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2016-02-28
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This company sent me a credit refund balance from a credit i had on my Barclay credit card in the amount of {$360.00} on XXXX/XXXX/2016. When i received the check i called the number back on my card to make sure it was okay to cash it and the representative said she did n't see any stop payment on it so it was okay to cash it. So i mobile deposited into my XXXX XXXX account and the check came back unpaid and put my bank account in the negative which caused all types of problems and emotional distress. This is considered writing a hot check which is a crime and a felony no matter who you are.

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 2021-03-12
Company: Conn's, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Conns is reporting account # XXXX for {$2300.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this Conns to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with Conns and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided a Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address, indicating that the account is not my account. Conns advised that they've determined that I'm liable for the account and related charges on baseless facts. The suspect used a Texas address when they opened the account which caused this incorrect address to reflect on my credit report. The disputed address is also part of the FTC Affidavit report and police report. Conns investigation results are inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in an accident in XX/XX/XXXX where I was hit by a car while riding my bicycle. The driver was at fault as they t-boned me while they were turning onto a side road and I was traveling in the bike lane. This debt is regarding a bill from the XXXX Fire Department which provided me with an ambulance ride to the hospital. 

I had attorney representation immediately following the accident which informed me to provide them with any bills I received. I did so, and the bills from XXXX was part of that stack of medical bills I provided. XXXX was paid by my attorney 's office once the lawsuit was settled out of court. While this collection shows that it was paid in full, this should not be on my credit report. None of the other healthcare providers ( which also had to await payment ) placed anything on my credit reports. 

At no time was this an attempt not to pay, nor does it accurately portray my credit worthiness. 

I attempted to contact XXXX XXXX and XXXX in XX/XX/XXXX. The person who answered the phone stated that there was no one available to take my call. I asked that someone call me back and she took my information. She stated she would pass it along, however, they were not obligated to remove this from my credit report as it was a valid debt and it did n't matter that it was paid. All they had to do was mark as paid and they had done so. 

I never received a contact back from their offices. I just want this removed from my credit. It is not a fair reporting of my credit worthiness and is unfairly inhibiting me from gaining the credit required to move forward with reasonable home and auto loans. 

Please help. 

Thank you for your consideration of this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The filed a writ of garnishment for a camera ticket from XX/XX/2018, I never receive any notification that this debt was sent to collections or the legal action was going to be taken, I never was was properly served to come to court regarding this debt, when I called the collection agency that filed this they didnt have ANY information about the debt but they are garnishing money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Genesis FS Card Services, Inc.
State: MI
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:
Someone opened an account with my name called milestone credit card info on XXXX. XXXX  was XXXX dollar limit they charged XXXX dollars acount.opened XX/XX/1922 22

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/20 I was notified that my account with Bank of America was being closed as a result of the bank policy. I was not given advance notice or anything. The bank just made a choice to end the relationship. Upon me trying to retrieve the money from my account the Bank decided to not allow me to get my money that's sitting in the account. 

The money that is in the account was money that was borrowed from a friend for an medical emergency. Bank of America left me and my family in a bad space that we couldn't have the medical procedure done do to them not allowing me access to recover my funds. 

I've escalated to managers and supervisors and was rudely talked to and told that they are keeping my money. I've asked to escalate this matter to upper management and was denied. 

I'm not working due to the coronavirus and this is all the money I have. Bank of America left us in a very bad place.

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 2021-03-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXXXXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, I opened a Chime Financials Checking Account on XX/XX/2022 and initiated a deposit of {$1000.00} into this account from our other non-Chime account ( from XXXX XXXX XXXX XXXX Checking Account ). However, a day later on XX/XX/2022 I was notified that my account is closed as they were not able to confirm my identify and the deposit. Since then I have provided multiple time my ID proofs ( EAD card copies, SSN card copies, Passport copies, selfies ), Address proof, and bank statement from which the funds were transferred. However, the customer support team has been asking for these documents again and again without confirming any resolution. 

They have threatened to close the case and block my {$1000.00} indefinitely. Appreciate a resolution from CFPB. 

Attached are some documents highlight my interactions with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX2020 I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to XXXX, Experian and XXXX. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from 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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX2020 I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to XXXX XXXX and Transunion. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from 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 2021-01-14
Company: Colony Brands, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I didnt order anything from this place. Tru to explain to them but was told theres nothing they could do. Its been going on for years and nothing has been done. I want this charge to be out of mu credit history since its a negative impact. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have worked for a XXXX XXXX XXXX for 20 years. I have been paying student loans since XXXX. 

XX/XX/XXXX I filed a complaint to recount my student loan payments. I was missing payment history from XXXX. I sent them my payment history going back to XXXX. I contacted the loan servicer and they told me to request a recount. 

XXXX XXXX replied and said they received my request. 

XX/XX/XXXX I received a letter stating my loans were forgiven and I had 120 payment. I was still missing 61 payments from XXXX. 

XX/XX/XXXX I received a letter that my loans were recounted and those changes were made to my Mohela account. I called Mohela and they have no record of changes. They told me to wait a few months. This is unacceptable. I have been waiting for over a year for my information to be corrected and continue to get passed back and forth between Mohela and the Department of Education who can not give me an answer. 

XX/XX/XXXX I called the Ombudsman. They told me those 5 years should be added and I should just keep waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation