BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Premier Account Management
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company ( Premier Account Management ) and its XXXX  employee ( XXXX XXXX ) are the epitome of UNPROFESSIONAL and DISRESPECTFUL! I received a text on XX/XX/XXXX being accused of misappropriation of insurance funds and theft of services ( which are all LIES ) and that I needed to contact that company that very day or they would go ahead and file a motion against me the following day. I contacted the number in the text regarding the frivolous lies and was met with a NASTY attitude by XXXX XXXX. He screamed at me while telling me he would " XXXX XXXX XXXX XXXX XXXX '' He repeatedly yelled that I stole money that did not belong to me and would hardly let me get a word in. He also referred to me as a " XXXX XXXX '' ( which I find highly offensive XXXX XXXXXXXX seeing as how I'm an XXXX XXXX XXXX ), he brought up my family members ( living and deceased ) that has nothing to do with this situation, Again, I was threatened with XXXX  and how he would get the Attorney General on a three-way call ( didn't have enough pull to pull it off, lol ). I was also threatened with a lien on the home and they would start foreclosure proceedings. Like I told XXXX XXXX I attempted to pay this company, but I was NOT going to pay them the XXXX they wanted instead I was going to pay them the XXXX I received from the insurance company, because they damaged my personal belongings and property and did NOT deliver on the services that they guaranteed. XXXX XXXX told me to get my debit card out because they would accept the XXXX. I asked for proof/verification, and he said he would send it via email ( NEVER received it ). After thinking about it, I told XXXX XXXX and a XXXX XXXX who was now on the phone that I would rather pay the company directly because I did NOT trust them at all after being berated and demeaned. They told me that was not an option, and they would call the company on three-way to verify that they would not accept the payment directly from me ( which they NEVER did ). This XXXX XXXX  company needs to be STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America closed my checking account after I told them I would keep it & was transferred at least XXXX times to repeat my situation after being told they would explain to the person I would be transferred to. I am unsatisfied with their services & inconvenience of having my checking account closed after telling them not to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
im filing this complaint against synchrony bank specifically there synchrony home charge card. about 2 years ago i became victim to identity theft were several synchrony bank accounts were open to include rooms to go. XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX sams club. amazon.XX/XX/XXXXXX/XX/XXXX. at that time i did have 3 accounts with synchrony bank car care. care credit. and a conns home plus card. when i filed my dispute with synchrony bank it was a very long process of getting these accounts i did not open corrected i was in a battle with synchrony bank as even with a police report and a identity theft affidavit they refused to believe anything i had to say i was basically a liar and a criminal. it took me 2 years of fighting with them l finally got these accounts removed but synchrony choose to close my 3 accounts i did open i believe in a form of punishment for being a victim of identity theft. my biggest issue right now is with my conns home plus account which they closed removed from the system as i cant log into it customer service cant find it and my account number brings up nothing. i finally get someone on the phone who can locate my account which ive now been marked 30 days late as im unable to pay an account no one can find. the customer service supervisor explains to me that the account was closed and a new account number was generated as i was a victim of identity theft and i was sent a new card which i was never sent as they closed my account. they have me on paperless billing to a email address that belonged to whom ever stole my identity so im not receiving anything from them what so ever.

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 2023-10-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX & XXXX XXXX XXXX. Account # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  credit card revovling account is a XXXX XXXX balance but is reporting a inccorect balance of XXXX dollar balance.

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 2023-03-24
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOEXXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Re : Complaint Against XXXX XXXX XXXX XXXX XXXX. 

To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXXXXXX XXXX XXXX I, as a credit consultant, sent a certified letter to XXXXXXXX XXXX General Counsel requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX, which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$880.00}. The FCRA mandates that the credit bureau, in this case, XXXX, must ensure the accuracy and completeness of the information they report. 

Despite my clear request for debt validation, XXXX failed to provide the necessary information as required under the FCRA. Furthermore, XXXX engaged in inaccurate reporting practices, which raise concerns about their compliance with the statute. Specifically, XXXX inaccurately increased the reported debt by XXXX  dollar within 24 hours of my initial request, only to subsequently revert the debt back to its original value of {$880.00}. This inconsistent and erroneous reporting not only violates the FCRA 's requirements but also reflects a concerning lack of due diligence on XXXXXXXX XXXX part. 

Enclosed with this letter is a copy of the validation letter that was duly dispatched to XXXX, which outlines my request for debt validation and provides a record of their subsequent reporting inaccuracies. It is my contention that XXXX 's actions not only breach the FCRA but also have a detrimental impact on my creditworthiness and overall financial well-being. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action against XXXX for their non-compliance with the FCRA. Such action should serve as a deterrent to future violations and uphold the integrity of the credit reporting system. 

I appreciate your attention to this matter and look forward to a prompt and thorough investigation into the conduct of XXXX. Please do not hesitate to contact me if further information is required or if additional documentation is needed to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank is lying the check was not altered we talked with other institute but I want them to close my account now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2023-03-29
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
This is my 3rd attempt contacting you all to recitfiy you all stop furnishing inaccurate different variations of my name and also stop furnishing addresses that are not mine. I have attatched a copy of my drivers licsense for you all to verify me and a copy of a utility bill. Also I have attatched my dispute so you all can delete all names and addresses that are not mine. I have a right to privacy so you all shoud have only 1 name for me and 1 address for me. I look forward to hearing from you all soon GOD bless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) 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 explanation
Consumer complaint received 2023-10-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
WELLS FARGO during Covid accommodated And gave back overdraft fees during Covid and then all of a sudden after Covid ended put them all back onto the account at once to be paid so I close the account and want those fees to be removed

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 2023-07-12
Company: EQUIFAX, INC.
State: MS
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 eight 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to the atm on XXXX, at XXXX  XXXX. I was supposed to get a withdrawal of XXXX but they only gave me XXXX. They took the whole XXXX from my account and I didnt receive the money from the atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX a legal order was taken out of my account for XXXX from checking and XXXX from savings. I called multiple times to Fraud and legal department they said it was a garnishment and would send me the copy called XX/XX/XXXX, XXXX never sent the documents. Was told a number that did not work to call. I was told by legal department I only had one garnishment. This caused checks to get rejected and fees applied to my account. 

On XX/XX/XXXX another legal fee was taken and garnished in the amount of XXXX these funds came from back ordered XXXX XXXX XXXX of Michigan. A child daycare check written when the money was in got bounced and fees from both boa and the childcare were charged to me. I called and was on hold for over XXXX on multiple days XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX no answers no copy of the garnishment and they said child support can be garnished in the state of Michigan. 

The {$200.00} sign on bonus was never given. 

A legal notice written only from boa with the date of XX/XX/XXXX is attached yet funds were take XXXX XXXX and XX/XX/XXXX. The amount that the written order Is {$3400.00} however they took at least {$4300.00}.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
Hello, I have a false collection account that showed up on my XXXX XXXX XXXX as of today, XX/XX/XXXX. This false collection account shows up as : NATIONAL CREDIT ADJUSTERS , L.L.C The original creditor for this account is : XXXX XXXX XXXX XXXX is a loan that I took out on XX/XX/XXXX. 

On XX/XX/XXXX XXXX EST, the account was PAID IN FULL for the amount of {$1100.00} and the company agreed to update the remarks on the account as " Paid '' on my credit report. 

However, as of today, the account shows that it was mysteriously " purchased '' by a debt buyer ( NATIONAL CREDIT ADJUSTERS , L.L.C ), which brings me to my original comment. This new collection account shows up with the following comments : " XXXX XXXX {$860.00} past due as of XX/XX/XXXX. '' This is incorrect, it is illegal and I worry that this has re-aged the already PAID IN FULL collection account with XXXX XXXX. This item must be deleted from my XXXX credit report as soon as possible as it is affecting my ability to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation