BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My complaint is with the Pay Bill Process at Bank of America Credit Card using online or mobile app. 

My bill was due on XX/XX/2023 and I wanted to schedule the payment and amount using my checking account information. I used the mobile app which steered me to the ebill and payment process. My intension was to enter my bank routing # and acct # along with the amount and date to make payment but it appears as if Bank of America wants to force customers to schedule payment and amount but before they do so their process verifies that you have an account with the bank and that it has sufficient monies in the acct to make payment. So to verify that the account is valid, they will send 2 small deposits to my account then shortly thereafter debit my account to retrieve the monies. I have a problem with this. 

I don't like any company going into my account. If the account balance is not sufficient to cover the payment that is my problem as a customer and I should be charged whatever fees are appropriate for insufficient payment. I do not need to have Bank of America monitor my ability to manage my checking account. I believe the Bank has over stepped boundaries with customer bill paying. 

In addition, my bank account information would be stored on the screen as well as in their databases which I don't like a result of the rise in data breaches being reported. As Bank of America is not my primary bank and is just a temporary creditor, I do not want to store my bank information. 

The one-time payment option which is suppose to exist will not work unless it includes the verified bank information. So each time a one-time payment is made, the verify process will be invoked. Thus, can't make one-time payment on line or through the mobile app, because they both use the IVR process XXXX 

The one-time payment can only be made using the phone. This is not very convenient and does not work like other banks bill pay process.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX  XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

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 2023-04-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Sir/Madam, I am writing to express my dissatisfaction with the decision to permanently limit my PayPal account with the email XXXX. I strongly believe that this limitation was made in error and that I have not violated any PayPal policies. 

I would like to request that PayPal re-investigate my case and restore my account if possible. I understand that PayPal takes fraud prevention very seriously, and I assure you that I have always conducted myself with the utmost integrity and respect for PayPal 's policies. 

I have used PayPal for many years, and it has been an essential tool for me to conduct business and make payments safely and securely. I have never had any issues or disputes with PayPal in the past, and I am confident that I have always followed the guidelines provided by PayPal. 

I respectfully ask that PayPal reconsider their decision and provide me with an explanation as to why my account was permanently limited. If there was any misunderstanding or confusion, I would be more than happy to clarify any details necessary. 

Thank you for your time and attention to this matter. I hope that we can resolve this issue promptly and amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX Date opened : XX/XX/XXXX Account XXXX XXXX Status : XX/XX/XXXX paid. 
Im XXXX  to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be XXXX to see this I would like this hard inquiry removed I see no use of it on 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 2023-05-24
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to report a scam that I believe I may have fallen victim to. On [ date ], I received a phone call from a person who claimed to be from TSI. The caller said that I had a debt on my XXXX reward card and that I needed to pay it immediately. The caller gave me their phone number, which is XXXX, and their TSI ID number, which is XXXX XXXX XXXX. 

I was suspicious of the call, so I decided to look up the TSI ID number online. I found a website that said that the number might not be the real TSI ID number for XXXX. I also found a website that said that there have been reports of people being scammed by people who claim to be from XXXX. 

I am concerned that I may have given my account number, bank name, and routing number to the scammer. I am worried that the scammer may use this information to steal money from my bank account.

I have already contacted my bank and placed a fraud alert on my credit report.

I am writing to you to ask for your help in investigating this scam. I would like to know if the TSI ID number that I was given is the real TSI ID number for XXXX. I would also like to know if there have been any other reports of this scam.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
This is my follow-up 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 accounts 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 U S DEPT OFED/XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4100.00} XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions or accounts to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These are addresses and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these inquiries I do not have these accounts nor ever applied for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents from my credit report with the inquiries shown. Also there is a copy of my XXXX XXXX claim number along with other documentation you may need to handle this matter promptly as possible. 

I have tried to get these removed multiple times but they were not because they are tied to fraudulent closed accounts the fraudster used.

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 2023-05-24
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported Lendmark financial to the nc department of justice around XX/XX/XXXX of XXXX they have not responded to my previous cfpb complaint and they have not responded to the complaint i filed against the nc doj XXXX i am reporting them again because they closed out the previous loan and now they are showing a different one with a different account number. this is very unethical and strange. I reported XXXX XXXX to the nc doj today as well because i just found out that my interest rate with the loan i have with them is over 46 percent and that has to be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received notification via email that I have applied and opened a credit card with CitiBank. 

I have notified CitiBank of the fraud and requested they cancel the card. 

I was informed they cancelled the account ; however, it seems that is not the case and now CitiBank is mailing out the new card. 

No one from their fraud department has reached out since I reported the issue. 

XXXX  credit report shows the inquiry on 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit report I noticed the account shown below on my credit report reporting as a collection account owed. This is false and fraud. I do not owe this company any money. This company is reporting false information on my credit report. Upon checking the Consumer Financial Protection Bureau website I noticed that this company XXXX XXXX XXXX XXXX is in litigation for reporting false information on consumer credit reports. Attached is the article from this litigation. I have also reported this via complaint since Ive contacted you guys the credit bureaus more then 5 times on this matter and it is still falsely reporting on my credit report. This is affecting my credit history along with me purchasing my home. I do not owe this company any money. I paid this company the bill on the date it was owed before closing out my account with them. This information is also attached with the invoice of payment. This is in the amount of {$1700.00} which also was not even the last payment amount owed!! This company has violated the Fair Debt Collection Practices Act Section 312. This account is being falsely reported and is extremely misleading. XXXX XXXX XXXX XXXX XXXX XXXX company has directly violated law written by congress , please remove. Attached is also an article directly on this website CFPD talking about this companies false reporting tactics. Please delete this from my credit report. Ive been contacting this company along with the credit bureaus for 6 months now and nobody has responded to me or removed this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : 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
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: AZ
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/23 i mailed a formal dispute to equifax and have yet to get a response i have called them and they have my letters but have not processed the disputes i have requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I tried to purchase a motorcycle listed on XXXX and still is. My deal was accepted by " XXXX XXXX '' ( XXXX ) We agreed to use XXXX. This site was fraudulent, and comes-and-goes from the web. I was instructed to wire the funds to XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX in to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When it became apparent that I was robbed, I notified TD Bank, which waited 3 days before I discovered they did not know how to properly recall my wire. Later spoke with XXXX I notified XXXX, and received little help from " XXXX XXXX XXXX XXXX in reference to my complaint, XXXX XXXX XXXX. I also advised them verbally about the circumstances, and that their complacence was akin to them being o.k. with helping " XXXX XXXX '' launder money through their bank. To test my theory, my friend XXXX XXXX also initiated a " purchase '' from XXXX XXXX From the same posting, and " XXXX '' initiated the same process with him and using XXXX, and wiring money for payment, and furnished a different XXXX XXXX XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX. I advised XXXX of the additional developments, and they did not respond. I want my {$5400.00} returned to my TD Bank account. I want TD bank questioned for being slow to react. I want XXXX XXXX be held responsible for continuing to accept funds for transactions that they have been made aware are fraudulent. I would like " XXXX XXXX '' and all associated persons and entities prosecuted. 

I have received a letter from The Federal Reserve Bank XXXX XXXX XXXX ( attached ) without any resolution or restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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.

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 2023-07-19
Company: EQUIFAX, INC.
State: NY
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'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Williams & Fudge has taken over my private student loan from XXXX XXXX XXXXXXXX for a few years now. They have ALWAYS automatically taken the funds out of my account every month in the amount of {$50.00}. However, I received a letter from them after XXXX XXXX stating that I am in default because I faile to make payments on time as require by the agreement. However, the AGREEMENT was that they pull automatically take out the funds every month! THEY stopped taking the funds out of my account so THEY broke their on agreement! Why did they stop taking funds out of the account every month as per the agreement in the first place?!! Yet they send me this letter trying to portray as though I made manual payments like I missed a payment when that is not the case. They have ALWAYS automatically taken the funs out of my account since theyve had this loan for a few years. They are misrepresenting what really happened as if I stopped making payments and begin on payments when the truth is THEY STOPPED AUTOMATICALLY TAKING YHE FUNDS OUT OF MY ACCOUNT!!! Why did they stop? I never called and requested for payments to be stopped. But they are lying saying I broke the agreement hen THEY BROKE THEIR OWN AGREEMENT. No one told them to stop automatically taking payments out. Why keep starting and stopping payments!! Nothing has changed! If anything changed I wouldve called yall and told yall!!

Company response to consumer: Closed with explanation