BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recieved four emails from Bank of America regarding an application and approval for a Bank of America Advantage SafeBalance Banking account being opened in my name. I did not open this account. I attempted to contact Bank of America, but their automated system told me that they are closed. 

I did not apply to open the above referenced account. 

I don't understand how Bank of America can allow people to open accounts after business hours, and apparently without any form of identification.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 XXXXXX/XX/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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Should be good credit. XXXX denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc

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 2023-09-09
Company: Upgrade, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had ongoing issues with incorrect credit card balance reporting by Upgrade Inc. on my credit reports prepared by the three major credit reporting agencies ( XXXX, XXXX, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like Upgrade Inc. to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a XXXX. Specifically, my Upgrade Inc. account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. My Upgrade Inc. account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by Upgrade Inc . This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. Despite my providing their own account statements showing the correct lower balances, Upgrade Inc. has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). Upgrade Inc. and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: NJ
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 has fraudulently closed all of my accounts and reported me as deceased. This has caused me tremendously hardship and loan denials. I have a XXXX credit score. I want this corrected as soon as possible and I would also like to know who reported this false information. If this information isnt corrected within 72 hours I will seek legal action. When a consumer reporting agency declares you dead when you are not, they are walking a thin line toward defamation and damage to your reputation. Under the Fair Credit Reporting Act, I have cause for seeking financial compensation. When credit bureaus mistakenly report someone as dead but have not taken steps to verify this information, they are violating the FCRA. And they should be held accountable for failure to do their due diligence. I want my credit report to reflect fair and accurate information. There is NO death certificate. I am alive and well. Please have this corrected asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a couple returned payments due to the fact that I have been on XXXX since around XXXX, and Ive been fighting with my employer about payments. I had scheduled payments with Capital one on days that I was told I would receive my check and I didnt receive said check and then they would not let me cancel my payment. However they did close my account without any notification to me whatsoever and didnt tell me it was closed until after I paid it off. I have had enough issues with my health but for a credit card company to close my credit card because of my situation that was the result of a XXXX is ridiculous. They told me My account was restricted until payment was made but they had actually closed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
All three credit reporting agencies that are registered as a LLC have no sign documents or authorization to be reporting anything on my credit report. I did not give authorized consent to XXXX, Transunion, XXXX if they continue to report negative items on my report I will seek legal counsel and file a lawsuit for defamation of credit reporting. 

I have consumer rights. 
The original creditors sold my information to a 3rd party debt collector without my written consent!

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 2020-08-03
Company: STATE FARM BANK, FSB
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I closed my State Farm credit card account and they charged me the interest of {$42.00} after I made a payment for the full balance of the account. I called them about this fee and they said they would reverse it with 7-10 business days and it has been a couple of months and they charged me additional fees which now totals {$220.00}. They also reported my past due to the credit reporting agencies. This is absolutely unacceptable. When I call customer service, they stated would take of care it and it's still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hi CFPB customer care With XXXX XXXX XXXXXXXX XXXX XXXX  account number XXXX I requested that my funds were going towards my mother medical bills during XXXX and also during pandemic XXXX my grandmother died and I have to cover funeral cost, hence i opted thier financial plan for few months I have covered most of them and even after requesting late payments were reported these accounts in the EQUIFAX, XXXX AND XXXX CREDIT report and even closed my credit card account as well. I requested XXXX XXXX XXXX XXXXXXXX during XXXX and XXXX via many good will letters to remove late payments as well to reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks under following fields Account closed by credit grantor '' and also " worst payment status information as well " on EQUIFAX, XXXX AND XXXX CREDIT reports as well late payments reported in EQUIFAX, XXXX AND XXXX CREDIT reports associated with these XXXX XXXX XXXX  credit card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.

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 non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-05
Company: CCF Intermediate Holdings LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To : Loan by Phone Date : XX/XX/XXXX From : XXXX XXXX. XXXX Subject : Fraud account dispute and identity theft Summary : recently XXXX XXXX turned over an account to XXXX XXXX XXXX that your company transacted in XXXX using my stolen identity information. 
Th details provided by follows : XXXX XXXX turned over an account with my stolen credentials associated with it for a overdue payment of balance of {$780.00} from a Loan by Phone payday loan from XXXX for the amount of {$600.00} to a collection company XXXX XXXX XXXX. 
This loan was obtained by someone other than me from your company and money sent to an account at XXXX XXXX with the account number ending in XXXX. 
The account ending with XXXX is at XXXX XXXX XXXX not my account. I do not do business with XXXX XXXX. 


Details supplied by XXXX XXXX about this transaction. 
This account was placed with XXXX for collection by the current creditor, XXXX XXXX, XXXX, on XX/XX/XXXX, with a balance of {$780.00}. This balance is related to a payday loan originally obtained with Loan By Phone d/b/a Check Into Cash, on XX/XX/XXXX. According to the details provided by the creditor, the proceeds to this account ( {$600.00} ) were deposited into a XXXX XXXX XXXX Bank account ending in XXXX. 

Actions Taken : 1. I have filed a police report with the XXXX XXXX XXXX XXXX in XXXX OH for identity theft. 
2. I have filed a complaint with the Federal Trade Commission 3. I have filed a complaint with the XXXX XXXX XXXX.

4. I have filed disputes with the Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I sent this email to you in hopes of finally getting this resolved. 

Sincerely, XXXX XXXX. XXXX XXXX SSN : ending XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
This is my 10th 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 : {$6500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$6500.00}

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 non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently started looking at my credit scores because Im trying to get a car for my family since Im waiting for a kid and I just noticed that the account : XXXX # XXXX on my credit report did report me as late payments during a hardship I had when I went homeless during XXXX. I talked to them and came to an agreement and they said they would not report my payments as late if I paid the account which I did pay it in full and they just lied to me and violated my rights and I know I have the right to dispute any account that is not accurate and affects me in my personal life according to the law. Besides, it has errors in the reporting of those late payments since theyre not consistent they say XXXX twice and on XXXX months has no reporting. So it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: HW Holding, 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:
I have sent in a requests to all 3 bureau 's to investigate and provid me with signed documentation, that I in fact owe the debt collections on my report. I have not been provided this information after multiple requests and so it needs to be removed off my credit report. This is deformation od my character and causing hardship on my everyday life and I am trying to buy a home. The credit bureau investigation only comes back UPDATED. No verification that I actually own and owed on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NH
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Greetings! I hope this message finds you well. I am submitting this complaint once more as a follow up to reiterate my earnest request for the XXXX, XXXX, and TransUnion Credit Bureaus to take immediate action in removing and blocking the listed fraudulent inquiries from reporting in my credit file during the next update. The specific inquiries I require to be removed are as follows : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX. As FCRA Section 605B mandates credit bureaus to investigate and respond to consumer disputes within 30 days. It has now been a while now since I initiated these disputes, and this delay is unacceptable. I expect the immediate attention and resolution that this matter warrants.

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 2023-12-10
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Management sent me copies of alleged debt but no original signed contract. They sent me more than 5 copies of past due notices and no original signed contract and continued to report this account as late.

Company response to consumer: Closed with non-monetary relief