BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX, about a unauthorized inquire showing up on MY XXXX and Trans Union credit report back inXX/XX/XXXX. I have reached out to XXXX several time from XX/XX/XXXX toXX/XX/XXXX with no resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind. <P/>I have been a victim of Identify theft twice within the past 10 yrs. I have contacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all 3 credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.

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 2021-08-17
Company: Experian Information Solutions Inc.
State: PA
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 a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.

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 2022-04-30
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: Account status incorrect

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint not only for the third ( XXXX ) time against XXXX XXXX XXXX, but also against ALL THREE ( 3 ) major Credit Reporting Agencies XXXX XXXX Equifax, and XXXX for not only violating my rights as a consumer, and for also reporting false and inaccurate information on my consumer report. In accordance with the Fair Credit Reporting Act, EVERYTHING has to be 100 % accurate. After carefully reviewing my latest consumer report, I not only found several violations, but I also see that XXXX is continuing to report inaccurate information as well ALL XXXX major CRA 'S. This fraudulent activity is still in progress even after me sending XXXX a certified letter on XX/XX/2022 ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a complaint with the cfpb on XX/XX/2022 ( still no response ), another certified letter on XX/XX/2022 ( tracking # XXXX XXXX XXXX XXXX XXXX ). Attached labeled as Exhibit A, is a screenshot of this fraudulent reported account, reported closed on XX/XX/2022 on XXXX. Also attached labeled as Exhibit B is the final letter sent to XXXX on XX/XX/2022, informing them of how their company has violated my rights as a consumer deliberately, intentionally, and purposely and is willfully violating my rights as a consumer. Lastly, attached and labeled as Exhibit C, is a copy of this company and ALL three ( XXXX XXXX XXXX XXXX XXXX reporting inaccurate information ( ALL HIGHLIGHTED ). How can any of this information be accurate with so many inconsistencies? The account type is inaccurate, The account detail is inaccurate, Date opened is inaccurate, Balance is inaccurate, No. of months is inaccurate, Past due is inaccurate, payment status is inaccurate, Last reporting date is inaccurate, comments are inaccurate, date last active is inaccurate, date of last payment is inaccurate, along with the entire XXXX ( XXXX ) year payment history also reporting inaccurate. Not only has my rights to privacy been violated, ( according to 15 usc 1681 section 602 A ), but also 15 usc 1681 section 604 A section 2, which states that a consumer reporting agency CAN NOT furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was notified that a personal checking account was fraudulently opened online with a bank that I have never even heard of. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.

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 2017-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX XXXX with BoA. Recently I was XXXX by XXXX XXXX. I had purchased XXXX insurance. My insurance company has sent a check to me, however BoA XXXX department refuses to give a XXXX XXXX to cash this check. I am not required to have XXXX insurance and do n't understand why BoA just ca n't give authorization. They are not required to be on this check because I am not required to have XXXX insurance. I have spent approximately {$25000.00} on my credit card. Why do I have to spend money for my expenses when all BoA has to do is release the check. Homeowners should not be XXXX twice. This is such a XXXX time in life when you have your entire space interrupted. Why does the XXXX department add to this XXXX? I would appreciate any assistance you can provide. Thanks in advance.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX TransUnion XXXX XXXX inaccurate account 1 XXXX  XXXX XXXX TransUnion / XXXX inaccurate account 2 XXXX XXXX  XXXX TransUnion / XXXX Inaccurate account 3 XXXX XXXX  XXXX TransUnion / XXXX Inaccurate account 4 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 1 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 2 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 3 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 4

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 2021-12-06
Company: Self Financial Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had XXXX accounts with Self Lender that I paid off early. The first account I paid off within XXXX months of opening due to serious medical conditions. I wanted to avoid late payments. The second account I paid off in full on month XXXX as I had a funeral to pay for. In which both accounts are reporting a late payment the month after I paid it off ... for the past XXXX years. 

I have tried to call Self Lender... however without an open account you have to mail in any questions or concerns. I have mailed my request in and submitted disputes with all XXXX credit reporting agencies. I am now requesting assistance from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being called almost every hour in regards to my account that is 4 days past due. The calls are being placed to my mobile number all day some even minuets apart. For example today XX/XX/2018 the most recent calls that this company XXXX XXXX XXXX has called me at are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is happening everyday and starts as early as XXXX up until XXXX. At times almost XXXX times in one single day. I have proof from my mobile provider of such calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: U.S. BANCORP
State: CO
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:
Hello, Around late XX/XX/2021 I requested a balance transfer from XXXX Credit Card ( Provided by XXXX XXXX ) to US Bank. Shortly after ( first week of XXXX ) I reached out to both XXXX ( Which said I need to contact US Bank ) and US Bank ( Which was told by their representative that the transaction will be canceled ). Fast forward to XX/XX/2021, I received a bill from US Bank regarding that balance ( original {$1100.00} plus {$33.00} fee ). I reached out multiple times to them and was told the money was sent to XXXX which is not even my bank and they refuse to fix the problem they created.

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 2021-06-15
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name, address, last four of SS # and a valid email address, XXXX, were stolen and used to open a fraudulent PayPal account. Then someone stole a {$5.00} credit PayPal put into the fake account. Now, PayPal says they can not close that fraudulent account but can only " restrict '' it, but they acknowledge that someone could possibly get those restrictions lifted and use the account again. I can not have an account in existence online that stole my identity and could possibly be used to scam people or perpetuate further identity fraud in my name. Please help me to get rid of this account in its entirety on PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have two student loans with payments being handled by American Education Services. Both loans are owned by XXXX XXXX XXXX XXXX XXXX and guaranteed by XXXX. I believe my account balances have been incorrectly calculated over the years, and I 'm not even confident that XXXX  and AES have the proper paperwork to still be collecting my payments. 

Both of my loans were disbursed in XX/XX/XXXX ; both are " standard variable '' interest rate types, and both are non-subsidized, private loans. 
AES was capitalizing interest on my loans every few months from XX/XX/XXXX. 

The two loans COMBINED had an ORIGINAL balance of {$39000.00}. 
My CURRENT balance for the two loans combined is {$40000.00} -- - more than the amount I borrowed despite the fact that, to date, I have PAID a total of {$52000.00}. 
( {$26000.00} to principal and {$25000.00} to interest and {$210.00} in fees ) Both loans have expected payoff dates of XXXX. 

I know XXXX and XXXX have been under scrutiny recently for their record-keeping practices. I have no issue with repaying what I borrowed plus some interest, but something does n't seem right when I 'll end up paying over {$92000.00} on loans that were less than {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a patient at XXXX XXXX XXXX from XXXX until XXXX. The doctor that oversaw my health was a good doctor. I ceased going because of the poor treatment that I received from the support staff. At my last visit a negative incident occured in the waiting room where I was humiliated by one of the counter staff members loudly and falsely stated in front of all the patients in the waiting room that she could find no record of my insurance and that I NEVER WAS A CUSTOMER OF XXXX XXXX! This statement was false. At the same timeI felt so humiliated that I could not speak, Another patient became so afraid that she pulled out her insurance card and rushed to the window to show the lady that she had insurance, .I did not tell the doctor because I was so uncomfortable and felt unwelcome that I just went through the visit, paid the bill and left. 

It was after this negative event that these so called " bills '' for visits that I did not make were sent to me from a collection agency. Furthermore I since have discovered that these " bills '' that are label as office visits were based on appointments that I had to change due to my work schedule, not actually office visits. In addition the amounts reporting exceed the amount of the bill that was paid. I found the documentation recently from the insurance company and the billing that was sent to them from XXXX. 

I have reason to believe that this negative information evolved as a result of the poor treatment I received in the reception room.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: GA
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:
Dear CFPB, Today XX/XX/2022 I received the letter response via the USPS at XXXX XXXX regarding the reinsertion of previously disputed results that had been investigated and removed by Equifax. The timestamp on the Equifax letter is XX/XX/XXXX and it was received today XX/XX/2022. Equifax did not notify me within the 5 business days and instead it was a total of XXXX business days and per the FCRA Equifax did not comply with regards the reinsertion of the item XXXX XXXX that was removed and reinserted on my Equifax account the fine print on the letter has a date of XX/XX/2022 ( bottom right ). Also to note what I find interesting is that XXXX XXXX the alleged credit furnisher has not been able to provide me with validation yet Equifax has been able to based on what the furnisher supplied, so I'm not sure how they can say it's valid and XXXX XXXX could not and XXXX XXXX has sent me a letter stating that they are still looking into the issue and investigating to date and still does not have any answers.The letter has no USPS date on it! See all attachments. 

I have attached the letter from XXXX XXXX dated XX/XX/2022 that they are looking into the matter with regards to the account in dispute, stating they are still looking into the matter. So gain, I ask did Equifax take the proper ethical steps regarding this account that is fraudulent and happened under identity theft. I am requesting that Equifax please delete this account immediately and please refrain from destroying my credit worthiness. 

Thanks for your prompt attention into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Information belongs to someone else

Complaint:
I sent so many times complaint to you. Why you still keeping these negative accounts on my name. I think someone hacked my personal information. I already wrote to you that is not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: NC
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 started a dispute with Experian on XX/XX/2021 for the dismissed bankruptcy and accounts included in my XXXX that is on my credit. I have not been receiving any type of notification that they are even investigating the disputes let alone sending me the responses of their investigations! Because of this lack of communication and notification, I sent another dispute on XX/XX/2021 and XX/XX/2021. Experian has stated once that they verified my XXXX but that's not possible since my XXXX XXXX report is frozen and doesn't allow to verify nor does it even show the bankruptcy because it's frozen!

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 2021-06-15
Company: LD Holdings Group, LLC
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: Investigation took more than 30 days

Complaint:
I filed for bankruptcy in XX/XX/2021. I received my discharge in XX/XX/2021. My discharge did not include my mortgage. I continued to pay my mortgage on time during the pendency of the bankruptcy. My mortgage was never discharged. My mortgage company is continuing to report that my mortgage was discharged and I have a XXXX  balance. I receive a statement every month showing the current balance. I have also printed out my payment history during the time the bankruptcy was pending and it all shows my payments were made on time. I have asked XXXX  and XXXX  to correct this to indicate that there is a balance, and that I have made my payments on time, and that this was not discharged in bankruptcy. After their investigation my mortgage company still refuses to update this information which has a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I have had a XXXX account with Bank of America since XXXX. I have used this account sparingly with balances generally less than {$500.00} XXXX Some months the card was not used at all XXXX. I have always paid my balance in full each month and always on time. 
Staring in XXXX XXXX, I began seeing multiple unauthorized charges on my statements, which I promptly reported to Bank of America. In the beginning, they promptly credited my account for the charges and said they were beginning an investigation. As time went on there were an increasing number of unauthorized charges for increasing amounts all of which I reported to Bank of America and for which they gave me provisional credits. 
Eventually, I identified the person ( living in my home ) who I suspected was the perpetrator of this fraud. I began eviction proceedings against this person and informed Bank of America that as soon as the eviction was final I would be filing a police report naming this individual as a suspect. On XXXX/XXXX/XXXX, I filed the report and called Bank of America with the police report number and the XXXX XXXX 's name. 
Beginning with my billing statement of XXXX, Bank of America began charging back to my account, nearly all of the fraudulent changes, stating that they had finished their investigation and had determined that no fraud had occurred. They did not give a reason for this finding. Now, they are expecting me to pay over {$16000.00} in fraudulent charges ( Even though the credit card agreement clearly states 0 % liability for fraudulent charges ).

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
An account from XXXX XXXX XXXX Opened XX/XX/2019 have just reported on my credit report for a debt collection. I reached out to the agency and I did not get my problem solved. As I stated my report has a fraud alert to show creditors that they should verify my information before giving services. It is evident that services had been made in my name without my permission which is considered fraud/identity theft.

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