BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX at approximately XXXX XXXX, I attempted to deposit two checks ( both written on the same account, both signed by my father, one for {$1.00} XXXX and the other for {$5.00} XXXX ) and {$400.00} cash into the ATM at the Bank of America branch on XXXX XXXX in XXXX, VA. The ATM accepted the cash but would not accept the check check for $ XXXX, giving the message that the amount was too large and it I proceeded, the check would be returned to me. I was unable to cancel the transaction, so I just waited and did nothing. The ATM kept my debit card, did not give me a receipt for the cash or either check, and did not return either check. 

Because the bank was not yet open, I immediately went home and called customer service and the representative entered a claim for me. The largest amount that the representatives can enter for a claim is {$99.00} XXXX, so that amount of the claim entered does not accurately reflect the disputed amount. 

At approximately XXXX XXXX that same morning, I went into the bank associated with that ATM and told them of the problem. They took no action, saying they did not have access to the ATM. However, the substitute bank manager did tell me that there is no dollar limit on check deposits to the ATM, so it makes no sense that my check was not accepted. 

Viewing my account online later that day, I saw that the {$400.00} cash and the check for {$5000.00} were accepted as deposits but there was nothing listed for the {$1.00} XXXX check. 

I have called everyday the bank was open since then ( today is XX/XX/XXXX ). The bank will not tell me why they would not deposit the check nor where the check is nor whether it will be returned to me. I have spoken to people at the branch as well as people who answer the phones for claims and none can provide these answers. 

I did receive a message via the bank web site stating, " The deposit contained an item that either was not a check or was otherwise unacceptable for deposit. '' I would like the check to be deposited into my account.

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 2019-02-12
Company: AMERICAN EXPRESS COMPANY
State: PA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was recently a target of identity theft, with the suspect attempting to/successfully opening credit accounts in my name fraudulently. American Express was one of the merchants, so when I noticed the inquiry into my credit, I called them immediately to which they replied they had closed the account, and would contact the credit bureau ( s ) to remove the inquiry on my account. However, I requested the credit application copy that was made falsely in my name. I sent in all the paperwork that was requested, which included a case number for the police report I filed, the police officer 's  name/signature on the case, the date in which the report was filed and a copy of his business card and information ; along with several documents confirming my own identity and other pertinent pieces of information. I went above and beyond what I needed to do and then I received a letter stating that the information I submitted still wasn't sufficient, and therefore they would not hand over the credit application copy. Under the Fair Credit Reporting Act, I'm entitled to that information as a victim of identity theft. The representative refusing this was named XXXX, American Express ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have opened new savings and checking account using online promotional offer run by TD bank. Here : https : XXXX I had satisfied all requirements to qualify and also ask for email confirmation from TD bank by emails. Now TD bank saying I open through mailer they sent on my address but I didnt used that mailer I used above link to open account. 

Please call me for more information XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: PA
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 U.S.C 1681 XXXX XXXX XXXX. Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. They never verify. I did send them letters they didnt respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q RESOLUTION DELETION OF CONSUMER FILES, REMOVE ACCOUNT FROM CONSUMER REPORTS

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 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
1 ) the account ends in XXXX ( XXXX and XXXX ) 2 ) The account was closed XX/XX/XXXX ( XXXX ) 3 ) The account was 60 days past due in XX/XX/XXXX ( XXXX ) 4 ) There was a payment made in XX/XX/XXXX. 5 ) Account shows as " charged off '' ( XXXX ). 

Since XXXX I've been fighting to have this company accurately report to the credit bureaus. The account should have been CLOSED/ Included in bankruptcy Chapter XXXX as of XX/XX/XXXX. The account was NOT past due in XX/XX/XXXX if it was included in Chapter XXXX in XX/XX/XXXX. There were NO payments made in XX/XX/XXXX. 

I emailed the company on XXXX XXXX ( other disputes submitted as well ) asking them to correct the information. They in turn " closed " the account again on my credit report. The account still shows all of the inaccuracies but this is the third time this account has been listed as closed on my credit report. ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After another failed attempt of tryin to get this debt validated with Penn Credit, my credit is heavily impacted by the erroneous information they are publishing. In a previous complaint with Penn Credit, I was given contact information for XXXX XXXX I've contacted this person several times as its stated in the company reply and I've yet to hear back from him. Because this company has completely failed to communicate with me and validate said debt, this debt needs to be removed from my credit report immediately. As stated in my original complaint, I have the right to request debt validation in which I asked for and still don't have. The company has been given ample amount of time to provide me with the requested information and has yet to do so. Due to the lack of communication and unwillingness to cooperate, I've contacted the original creditor in hopes of getting this resolved. Not only is Penn Credit reporting information that they have not validated, they are reporting inaccurate information. The law says during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against this company and the credit bureau responsible for reporting this violation. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX charged my card for an amount which was unauthorized. I disputed with USAA. USAA gave me a provisional credit. XXXX refunded the amount. USAA reversed the provisional credit, as expected. However, they reversed it twice, taking money from my checking account. They are refusing to work to resolve this issue and have given me the run-around for several days. They have stolen money from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23
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 got all other inaccurate items off my credit report except for these. XXXX deleted them. 
us dept ed, XXXX XXXX {$3700.00} us dept ed, XX/XX/XXXX {$3600.00} us dept ed, XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Ed financial XX/XX/XXXX {$0.00} Ed financial XXXX, XXXX {$0.00} Ed financial XX/XX/XXXX {$0.00}

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 explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-04-30
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
I'm reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to XXXX XXXX, XXXX, and Experian. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department XXXX XXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.

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 2021-01-06
Company: Experian Information Solutions 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:
Hi, I figured out the the listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information! I figured out in my credit report inquiries that I have never authorized. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've sent disputes last XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of XXXX  Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.

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 2021-01-05
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Called Homepoimtn Financial in XXXX regarding coming out of Forebearance and making a loan modification to start making regular mortgage payments again. Have called back several times to find out status and have been told to continue waiting for letter from company. We have never been able to smoothly make payments or work out agreeable situations and the customer service representatives are not helpful.

Company response to consumer: Closed with explanation