BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: CREDIT ACCEPTANCE CORPORATION
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose.

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 2022-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XX/XX/2021, I filed a police report regarding of my wallet got lost. I replaced all of my driver license, credit cards, debit cards, ... but never received once until I request a second time. In late XXXX, someone used my new driver license to withdraw {$200.00} from my saving account. I filed a fraud claim on XX/XX/XXXX and haven't heard anything from Bank of America. I called Bank of America several times to follow up on my claim but they said it may take up to 90 days so I should be patient and wait. In XXXX, I found out that someone used my driver license again to withdraw {$500.00} from my checking account. I have to open the new claim but I also received the email from Bank of America that my old claim couldn't be honor because they were not notified that my identification was lost or stolen. That was nonsense since back in XXXX they have called me a few times because someone who has my replacement debit cards tried to activate that cards using my name and my address. I called Bank of America again and they said if I want to reopen the claim I have to fax them the police report. Today ( XX/XX/XXXX ) I called them to know the update on my claims but they tried to transfer me back and forth between some fraud departments, and every time they transfer me it takes me XXXX minutes to wait for the line, the last agent I have spoken with was in XXXX, he was in the XXXX Fraud department, he asked me what happened on that claim and then suddenly he said " oh I'll transfer you to the check fraud department right away because that's on the checking account '' and he put me on hold again... I was in the check fraud department earlier but the agent in Texas said my claim was created by XXXX Fraud department so I have to speak to them. That's so unprofessional. I'm just a customer and I just need my money back but they keep pushing me back and forth. The police in my city even caught the guy who stole my mailbox but Bank of America seems not to want to give my money back. I want to close the account but they said if I decide to close my account they won't process my claim and it automatically be denied.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian not removing old addresses from my Experian credit report. Please remove Old mailing address from my credit report. Please see the attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS. 

ALSO, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS. I HAVE TRIED TO FIX THE PROBLEM SEVERAL DIFFERENT TIMES. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

15 U.S.C. 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

I HAVE SUBMITTED MULTIPLE FTC REPORTS, I HAVE SENT IN SEVERAL DISPUTES. IF THESE ACCOUNTS ARE NOT DELETED FROM MY CREDIT REPORT I WILL HAVE TO SUE TRANSUNION {$1000.00} PER EACH VIOLATION ON MY CREDIT REPORT. IF THIS ACCOUNT IS NOT DELETED IN XXXX BUSINESS DAY I WILL START THE PROCESS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: SC
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:
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. 

FOR XXXX : XXXXXXXX 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 EXPERIAN 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-07-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Enhanced Recovery Company has harassed me for over a year due to an amount of {$280.00} owed to XXXX XXXX XXXX. My mother put the services in my name and my consent was not given. I've told the company multiple times that I in fact did not know anything about this account but they are still expecting me to pay. They call almost every hour XXXX which interrupts my work day and as a military member, it has gotten me in trouble on a few occasions. I hope there is a way to resolve this to ease my growing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
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 DP OF EDUC Account # XXXX XXXX XXXX  Account # XXXX DPT EDXXXX Account # XXXX DOE XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has violated my privacy 15 U.S.C 1682 section 602 A states I have the right to privacy 15 U.S.C 1682 section 604 A section 2 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 2022-11-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the week on XX/XX/2022, I have tried to make several attempts to deposit different checks via atm to my Wells Fargo Checking account and online mobile bank and it would not allow me. Also, my debit card seemed to be put on hold for " aribitrary '' flags put on my debit card for fraudalent transactions.

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 2019-12-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i am filing this complaint because experian, XXXX, and XXXXhas ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX I was forwarded an email detailing how I was affected by the Wells Fargo XXXX XXXX XXXX incident. For years I was unaware I was personally affected because the official email alert was sent to an incorrect email addressmy sisters. 

I then contacted Wells Fargo on XX/XX/XXXX and an associate confirmed that I was in fact affected and that XXXX was added to my loan starting from XX/XX/XXXX. I then told the associate that the vehicle was purchased on XX/XX/XXXX and all bill of sale paperwork including proof of insurance was provided to Wells Fargo Dealer Services that day. The associate asked that I forward the proof insurance and then informed they had approximately 100 days to respond. 

On XX/XX/XXXX a Wells Fargo XXXX Settlement XXXX responded via email and stated the {$21.00} check that was cashed on XX/XX/XXXX under the Settlement Allocation Plan for the XXXX policy was my refund and that I was not eligible for additional payment. I responded via email requesting further assistance while explaining that their illegal actions of inappropriate billing caused my XXXX-related vehicle repossession, which was also in violation of the SCRA as I was/am in the XXXX. I was then sent an email stating they were sorry that their previous response did not fully respond to my inquiry and then referred to help pages. 

Recently I was made aware of the fine imposed on Wells Fargo due to their illegal practices and read they would contact affected consumers. As of XX/XX/XXXX I have not received any correspondence since the unsympathetic XX/XX/XXXX email.

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 2019-12-30
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I have attempted to place a file freeze on my Corelogic Credco File for months and have been unsuccessful. I have recently just completed the information online and uploaded by ID. I received a ticket number @ XXXX. I called on XX/XX/2019 and spoke with XXXX. He informed me that there was not a signature. However, I have completed the information several time prior with signatures and

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 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have been disputing this credit card account ending in XXXX for several months. 
OnXX/XX/2023 I spoke with Bank of Americas fraud team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from Bank of America stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. Today XXXX XXXX I called and was told they never sent a letter in XXXX and the dispute was denied in XX/XX/2022, this call was also monitored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a Notice on my credit report saying that I had {$98000.00} owed to a establishment called XXXX XXXX XXXX  in XXXX XXXX  Someone used my name and identity to cosign a lease. I filed a complaint with my local sheriffs department. They have a recorded statement for me under oath saying that I was a victim of stolen identity and my Personal information was used without my knowledge or consent. I have had some issues in the past with my identity being used to purchase other items. I was able to stop it from going through. I also have had a freeze on all three credit bureaus with my identity. XXXX XXXX XXXX never contacted me by phone for any other method and used the information given to them to be used for a lease application and as me as the guarantor of the lease. I do have identity theft with XXXX XXXX They have been made aware of whats going on. XXXX XXXX XXXX has failed to return my calls concerning this. I believe that my identity theft may be with someone in their organization. The phone number for XXXX XXXX XXXX is XXXX. 
My phone number is XXXX. 
Thank You for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I opened checking and savings accounts at US Bank on XXXX XXXX in XXXX IL. A week later, they closed it, claiming I was in violation of the Deposit Agreement. 

One of the personal bankers at US Bank sent me 2 cashiers checks - one for {$310.00} which was the outstanding balance in checking. And a check for {$290.00} for the outstanding balance in savings. I deposited those checks at my current bank through mobile banking. 

I made a clerical error on the check for {$310.00}, and typed in the wrong amount. XX/XX/XXXXmailed the check for {$310.00} back to US Bank. 

On XX/XX/XXXX, I attempted to be reimbursed for the {$310.00}, at the US Bank branch in XXXX XXXX IL. The teller spoke to US Bank Internal Affairs and informed me that XX/XX/XXXX had cash the check already. 

I then met with the branch manager and Vice President of the US Bank in XXXX XXXX. 

After about 20 minutes, she threatened me with the police. All because I wanted reimbursement for the {$310.00} check. 

When I left the XXXX XXXX branch, two officers of the XXXX XXXX police were waiting in the parking lot. One of the officers went inside the branch to get the branch managers side of the story. 

When he returned, he informed me that if I went into any US Bank branch, I would immediately be arrested.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-12-14
Company: PRESTIGE FINANCIAL SERVICES INC
State: PA
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:
Did not authorized or give Prestige Financial Service written consent to obtain my XXXX credit report on XXXX. I did not apply for credit with Prestige Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: NATIONS RELIABLE LENDING LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Lender Nations Reliable Lending aka XXXX NMLS ID # XXXX located at XXXX XXXX, Texas XXXX originated a conventional 10 year fixed cash-out refi for my home. NRL provided a truth in lending ( TILA ) closing disclosure that outlined the terms of the loan including no-prepayment penalty and no balloon payment. Due to NRL 's miscalculation of P & I payments as evidenced by the Amortization Schedule a balloon payment results in the final balloon payment of over XXXX payment which exceeds the error tolerance of {$100.00} or .5 % of loan face value. It is highly likely that this error is systemic and has impacted a significant number of loans originated during the same time frame and/or prior. The harm that has resulted are as follows : 1 ) Loss of time having to recollect documentation to re-close the note. 
2 ) The potential loss of opportunity to capitalize on prevailing market rate at close 3 % with points. Currently approx. 3.75 % 3 ) Expenditures associated with having to consult both legal and accounting professionals regarding recourse and financial documents for new underwriting requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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