BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I deposited a inheritance check in the Amount of XXXX in my savings account and was given a print out stating that XXXX would be available on XX/XX/2022, with the rest of the amount of XXXX released on XX/XX/2022. On XX/XX/2022 I was informed that because of the Amount I would have to wait until XX/XX/2022, for the entire amount of XXXX to be released on XX/XX/2022. 
On XX/XX/2022, I was told that the all the funds would be available by XXXX on XX/XX/2022, this morning I was told the funds would not be available until end if day today. Now because I believed what they had told me and began paying off my bills with said funds my checking account is XXXX overdrawn as of end of day today.

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 2023-05-24
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lvnv Funding unlawfully acquired my personal information from a nonaffiliated 3rd party without my consent or a court order. They are furnishing negative information to my consumer report which damaging my reputation and affecting my credit worthiness. Im demanding LVNV Funding to cease and desist all communication in reference to this alleged debt with me and all consumer reporting agencies pursuant to 15 USC 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: IN
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:
In XX/XX/2022 my card was reported as over the limit. I paid down and resolved issue. XX/XX/XXXX card was reported again card over limit and it is not over the limit.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: VT
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:
Hello. On XX/XX/2023 I received an email from Experian claiming that I had two ( 2 ) accounts listed on their boost program, which is supposed to increase your credit score. The email stated that these two boost  accounts, XXXX and XXXX would be removed within 14 days, and my credit score would drop if I did not take action now. It asked me to remove, which ever subscription I no longer use, which was my XXXX, which I did. Subsequently, Experian dropped my score by XXXX points within two seconds. I am a senior who is trying to currently increase my credit scores, assuming that Experian was going to help me with their boost program, and instead of boosting, they damaged my Experian score. Additionally, I reached out to their contact center to discuss my dismay with the way they are sending unclear and threatening messages to seniors in order for them to take actions which end up hurting their credit. The representative spoke with me for about 10 minutes, could not do anything for me, I asked to speak to her supervisor, she left me on hold for 10 minutes and then the line dropped. This is an all too common occurrence with these call centers when they dont want to deal with a difficult topic but I am begging you for help to fix this injustice. You can not send out emails threatening credit scores, unless action is taken, and then take recommended action, and then get instantly penalized for said action. Please please please help me to get my credit score raised back to where it was prior to this scam/misleading email sent by Experian. I am trying so hard to increase my credit score in order to be able to afford the necessary things in life. I am a XXXX person, and it is hard enough to balance, doctors, prescriptions, and food, all while trying to provide a better life for myself via a better credit score. Thank you in advance for your 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 2021-06-11
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is with Wells Fargo with whom I have maintained a checking account since XXXX. I opened my account in XXXX, NV. In XXXX, I moved to XXXX for further studies and informed the bank prior to my relocation -- to avoid them thinking someone else was using my ATM card. My bank card has since expired on two occasions. On the first one it was replaced without problems. The most recent expiration occurred in XXXX XXXX in the middle of the pandemic -- when international mail/travel slowed or ceased. WF mailed a replacement card which I received. I waited for the follow up mail which would have included pin, but never received it. I contacted the bank in XX/XX/XXXX, XXXX, XXXX and the last contact was on XX/XX/XXXX to try and have the bank help me obtain a pin for my new card or a replacement card, because I never received a pin that came with XXXX XXXX replacement card. The bank verified who I was over the phone by asking me my address, my username, my transactions etc. Because of my cellphone is XXXX, the verification code they send fails. But all the other forms of verifications they request I have completed and complied with. I can't access my funds to pay bills using a wells fargo card. And the bank 's only answer is " well, wait till you come back to the US and physically come to a branch '' a really unreasonable ask -- given the travel bans or even the unreasonableness of what I have to do just to get a pin sent to the address I have on file.

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 2023-09-24
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XXXX XXXX I received mail from The XXXX XXXX XXXX XXXX XXXX to pay my bill at XXXX for {$1400.00}. I can not pay the bill due to financial hardship and limited income. The Pandemic caused a setback and I attended school and i have the responsibility to pay tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived in the retreat XXXX for two years, I was never notified by this company that I owed them any money upon leaving the complex. 9 months go by and I see a pro collect account on my credit score which dropped it, I later received by mail their letter stating that I owe money. I called and attempted to settle the collection by paying half of it, she refused to take the money, or would she send anything to the credit companies letting them know I was never contacted about these fees from the retreat or them. I would like this complaint, to get this collection removed from my credit because I feel they are using my credit line to collect money from young college students.

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 2022-09-16
Company: Experian Information Solutions Inc.
State: FL
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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX a time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX and Experian are not practicing XXXX XXXX Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

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 2022-04-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently discovered that Experian is charging me for a credit monitoring service without my authorization. I signed up for free monitoring but discovered I am being charged monthly a little over XXXX dollars. 

I have called XXXX. 
I have called XXXX as well as XXXX. In which I am told by an automated system that I can not be transfered to a Experian XXXX. And I am not even given the option to do so. 

I have tried to above method of contact for more than three days and I would like to handle this matter as soon as possible. I can not even find out how long I've been paying for this unauthorized service.

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 2020-11-04
Company: Experian Information Solutions Inc.
State: IL
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:
In the results of your first investigation, you stated in writing that you verified that this item ( DIVERSIFIED ADJUSTMENT ) is being reported correctly? how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that EXPERIAN PROVIDE ME with competent evidence that I have any legal obligation to pay this debt. 

1. Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 3. Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 4. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 5 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.

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 2023-02-21
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: Information belongs to someone else

Complaint:
This is my 8th 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Veripro Solutions Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS NOT A DUPLICATE COMPLIANT, PLEASE SEND TOTAL AMOUNT PAID BY THE US BRC OF NORTH GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE HOME WAS NOT ABANDONED BY T XXXX  XXXX TRUSTEE, DESPITE WHAT HE NOTED. WE ARE AWARE HE DID RECEIVE PAYMENT. MULTIPLE COURT OFFICIALS RECEIVED PAYMENTS ALSO. 

THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD, PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. 

THERE IS NO BALANCE ON THIS HOME. PLEASE NOTE BASED ON SUPPORTED DOCUMENTATION YOUR MORTGAGE COMPANY APPEARED TO HAVE SERVED AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT WHICH WAS ALL FRAUDULENT FROM ORIGINATION. THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE DON'T CARE WHO YOUR REPRESENTING ATTORNEYS ARE WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY! 


YOU FILED A CLAIM IN BRC FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX 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 explanation
Consumer complaint received 2023-03-17
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:
I submitted a complaint on XXXX XX/XX/2023 under complaint number XXXX, and just submitted another complaint on XXXX XX/XX/2023 under complaint number XXXX and would like to know what happened to the latest complaint that was submitted. I am a natural person I am a living human being, I have rights under 15USC1681. .According to 15USC 1681 which states the credit bureaus are reporting accurate and complete information. 15USC 1681602A, States I Have The Right To Privacy.15USC 604 ( A ) ( 2 ) Without written instruction from the Consumer. 15USC1681s-2 ( A ) ( 1 ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the written instructions of the consumer to whom it relates. I have not given my written instructions to have all of this information on my Consumer Reports the list of accounts below have been violated, Please DELETE THESE ACCOUNTS : XXXX  XXXX XXXX XXXX ACCOUNT NUMBER XXXX US DEPARTMENT OF EDUCATIONXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I was required to pay off my TD Auto loan in order to purchase a building for my business. I complied and paid it off. TD Auto refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that TD Auto completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the TD Auto for them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for TD Auto was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/XXXX  or I will be seeking financial restitution. I have verification when TD Auto cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief