BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call from the following number XXXX. This is the second time i received a call from this company that will not give me their name and state i owe a debt. Case # they have is XXXX. They claim i owe a debt from bank of america and they are coming to my work to serve me papers. Now i previously had a call from this company or similar stating the same thing. When asking for proof of debt, they only state i will receive it when I am served. They have my social, they are very rude, condescending, and threatening which is concerning. Now when i received the first call back in XX/XX/2019 I was so shaken up. I called Bank of america and they are unable to locate me owing them a debt and that this may be a scam. The company calling me states i owe {$800.00} and they are sueing for {$2000.00}. When mentioning to them i have never received notice of this and my call with bank of america they became upset and hung up on me. I have even checked my credit and there is no such amount showing. Please help.

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 2019-12-28
Company: JPMORGAN CHASE & CO.
State: OH
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:
Chase liesto you initially first reference number is attached along with all documents support I'm telling the truth and they are cowardly being protected by you. Credit bureaus attached do not have Chase on my credit report and what card I have as well are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violates my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that 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 any consumer report containing any of the following items of information. Any others adverse item of information, other than records of convictions of crimes which antedates the report by more of the seven years.

15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-01-21
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 having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.

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 2022-07-25
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report states that I have/had an account thru XXXX XXXX XXXX opened in XXXX, and I NEVER EVER had an XXXX XXXX XXXX  account. I have been on my husbands plan since 2013. Either my information had been fraudulently used or an ex spouse opened an account under my identity. Its not my account, I have no account number, no bills ever came to my house or nor did I receive a cell phone from this company. My identity must have been stolen.

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 2022-07-25
Company: EQUIFAX, INC.
State: AZ
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:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them toinvestigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The credit bureau is allowing inaccurate information of this account to be reported. The name of the company is MRS BPO, L.L.C and the creditor is XXXX XXXX they have recently added this account on my report with XXXX with a re aged date of XXXX/XXXX/2016 for {$310.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX, on XX/XX/XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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:
XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX, extension : XXXX C- XXXX This supposed representative of Bank of America sent me an email but is not responding to email or calls. The Bank is purposefully ignoring the complaint despite my multiple attempts to contact them. I am waiting for the money on my account that was closed without notice.

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 2020-08-05
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am outraged, I looked at my credit report today to find out that Speedy Cash has reported a fraudulent derogatory mark on my report. 
The debt shows opened XX/XX/2019, I have not had any form of a payday loan in 5+ years. 
I would also like to note that every payday loan Ive ever had in the last 10 years has been paid off BEFORE the due date. 

I have not done any business with Speedy Cash in over 5 years. 

This is fraudulent. I called them 4 times requesting validation of this debt for the last 2 months and they have been non responsive! 

This is illegal and I demand that this be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: EQUIFAX, INC.
State: GA
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 recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general.

Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Inquiry Date : XX/XX/19 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: ME
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:
During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX  clearance and XXXX  over their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: WELLS FARGO & COMPANY
State: WY
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:
My mother came to live with me in XX/XX/XXXX. At that time she had one Credit Card that she used, it was her CC from Wells Fargo. In XX/XX/XXXX she had dental work done for a lot of money. In early of XX/XX/XXXX she fell, hit her XXXX, became XXXX XXXX and died in XX/XX/XXXX. Here is what happened next. Her accounts were hooked to mine as I held her Power of Attorney. She dies and Wells Fargo proceeds to apply her CC onto me. In XX/XX/XXXX, after receiving her Death Certificates I proceed to explain to the WF Card Service, Credit Bureau Dispute in XXXX XXXX, IA that this was not my debt, that yes the accounts were together but she paid her own bills and the accounts were together so that after she would die no probate would be ; this bill was being paid but she had fallen and died. I sent to them an original Death Certificate, showing that she had indeed fallen. After this first one here is what they did. They apply to my credit reporting as this : Charged off as Bad Debt. Profit and Loss Write Off. After two more letters asking them to remove completely it is still sitting on my report! 
This is not fair to me. They have written it off, now take it off my Credit Report. I have sent to them to the above address two more times asking them to do this to no Avail. Please can you help me.

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 2020-05-23
Company: EQUIFAX, INC.
State: MS
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 contacted Equifax and let them know the account for XXXX XXXX. This is a FRAUD account and does not belong to me. I have never received anything from this company. Please delete and block this account from my credit and delete the following inquires XXXX XXXX, XXXX XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: MD
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:
EQUIFAX IS RETALIATING AGAINST ME EVERY TIME I REPORT AN ISSUE TO THE CFPB THEY DO SOMETHING ELSE FRAUDULENT. THIS TIME THEY FAILED TO CORRECT MY SCORE AND ACKNOWLEDGE THE DELETIONS OF MY MORTGAGE COMPANY. THE MORTGAGE COMPANY STATED THEY INFORMED EQUIFAX IN XXXX. I ALSO OBTAINED AN INCREASE IN MY CREDIT. WHILE THE OTHER BUREAUS RAISED MY SCORE THEY DECREASED MY SCORE BY 40 POINTS.  THERE IS SOMETHING VERY FRAUDULENT GOING ON. THEY SEEM TO BE ATTACKING ME PERSONALLY. I WOULD LIKE AN INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Account information incorrect

Complaint:
My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information 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 2019-12-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello my name is XXXX XXXX and I am a Fifth Third Bank customer inquiring on overdraft fees that have put me in further financial trouble and would like to seek help and further information in regards to these ridiculously high fees and how to get reimbursed! If someone could help me resolve this ongoing issue I would greatly appreciate the help as these fees have put me in a financial hardship and I cant get caught back up since {$190.00} worth of fees have been deducted from my checking account ( # XXXX ) within a 3 week period since the mobile check deposit feature keeps getting diasabled not allowing me to deposit money as Im 30 min away from the nearest Fifth Bank Location making it difficult to deposit funds directly into my account at the nearest branch!! Feel free to reach me by phone : mobile # XXXX! 



Thank you, XXXX XXXX Last 4 of social : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Credit Lending Services Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 my vehicle was totaled. My insurance company has been in direct contact with credit lending services about the total loss payment. My insurance company is paying off the full amount of my vehicle and check was sent XX/XX/2020. Credit lending services continues to call me multiple times a day and harassing me to make a payment when my insurance is paying it off. Credit lending services has also said they can not get paid until I pay double my car payment which is. Credit lending services continues to call knowing the check is on the way to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Ad Astra Recovery Services Inc
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX I was sent a letter and emails from XXXX  letting me know they had a breach and that my information was part of the breach. As a result I added my name to the lawsuit that was available and they also offered me security software. Fast Forward to XXXX I wanted to get a home and when the mortgage company pulled my credit they noticed several loans that I had not requested nor opened on my credit. All of them between XXXX and XXXX. I then hired a company called XXXX XXXX XXXX or XXXX XXXX  to help me fix my credit. I did not file a police report because It would have done no good. They cleaned my credit and removed the accounts except for one. XXXX XXXX - Acct # XXXX opened on XX/XX/XXXX for XXXX. I also added a fraud note on all three credit bureaus to prevent anyone from using my credit. My credit is in good standing now except for this.I guess now Ad Astra owns this account and they are colleting on it. I DO NOT OWN THIS LOAN, NOR DID I OPEN IT. I have spoken to them and I have also tried to dispute the accounts on All Credit Bureaus and they all refuse to listen or to remove the account. Ad Astra finally sent me a letter in which they ask me to send them an FTC Identity theft report which I did. But today I received notice from XXXX  where they closed my dispute as completed and nothing changed. I need this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: AR
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 remove all Fraudulent accounte as i have no knowledge of any of these accounts due to the XXXX data breachidentity theft. All is being investigated by the FTC. According to the FCRA 605B This information must be blocked IMMEDIATELY until the investigation is OVER.

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