BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX. How is this reporting when this account was included in Bankruptcy. Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Army and Air Force Exchange Service
State: NC
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:
I am reporting Military Star due to false late payments on my account. This false and incorrect reporting is affecting my credit negatively. Military Star has incorrectly reported late payments on my consumer file for XX/XX/XXXX and also XXXX and XX/XX/XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 states I have the right to privacy, 115 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 b " A creditor may not treat payment on a credit card 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 explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX - Bank of America closed my account without notifying me. On XX/XX/XXXX I couldn't log in to my online banking. I tried resetting password, no luck. Finally received error message : There are no open eligible accounts to display for this Online ID. We are unable to service your request. If you need further assistance, please call XXXX. 

Called phone number and was told my account had been closed, when I asked why the only thing they would tell me is that it was for business reasons? I requested 6 months of account statements via Mail. Its been XXXX weeks and nothing has been mailed, statement or check. 

I had a direct deposit hit my account on XXXX BOA notified me by email of direct deposit received. 

I have called daily to figure out how/when I would receive check with funds from my account. Im either transferred to another department and hung up on, or the line goes silent. 

I have been living without access to my money and I cant get any information or acknowledgement of funds being sent to me.

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 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX are attempting to collect debt and are illegally conducting business in the state of new york since they arent licensed to do so

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 2023-02-07
Company: Dave Operating, LLC
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'll try to keep this concise. 

I've been using Dave for 3 years, begrudgingly for 2. In all that time, I've never actually been able to transfer cash out of Dave.

Setting it up was super easy, the initial few thousand sent to Dave from my

credit union went very smoothly and without a hitch on either end. However, the first time I tried to pull cash out back into my community credit union account I was told the " verification issue '' was because my account was too new and it was to prevent fraud and I'd have to deposit more cash or get a debt card from them to withdraw from an atm instead. 

When I tried to withdraw from atms, the card would decline either as stolen or have an error code of another kind. The same thing would often happen at the gas station, leading my closest XXXX XXXX ( XXXX ) to add it to their speil they tell me that dave 's cards often refuse and to expect it to - probably in part due to my experiences with them. 

So I waited, and the app told me I would be faster verified if I added direct deposit - so I added that, and now I have XXXX in dave and over a year of history, that should make me ultra verified and make transferring smooth as butter, no? Wrong. 

Suddenly dave is having issues with my credit union, and is working on a fix. Fine, I'll wait for that issue to be resolved, and then I'll finally be able to transfer that cash out, and actually use it.

That was 2 years ago. I've tried contacting dave support every few months to see if the XXXX issue is resolved, to see if the verification issue has been looked into with my account, to see if there's any way to actualy withdraw more then {$100.00} at a time without my account being flagged and it being a massive hassle to resolve. 

I get told they're " looking into a fix '', I get told " there doesn't seem to be a verification issue with my account '' ( despite the app always telling me there is ). I'm still setting off fraud alerts any time there's a significant amount of money out, smooth as butter to put thousands of dollars in though. And looking back at the photos of chat responses on this issue, I don't even think they're looking at my account, it's just the same copy/paste response about what SHOULD work but doesn't work at all for me, along with " we're working on a fix! : ) '' for literally 2+ years now. 

To end before ranting any more, if what I'm describing isn't illegal, it definitely should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Frustrating working with XXXX XXXX XXXX 1. Error transferring {$250000.00} from savings account to CD account. 
2. Denial to transfer {$110000.00} from savings to CD if on deposit was made to CD account. 
3. Denial of password to be saved on my computer FORCING me to request a passcode. 
DO NOT always have access to mobile phone for texting DO Nota always have email since when I travel international accounts get blocked by web mail providers when suing public domain login 4, XXXX XXXX XXXX REFUSES to allow email or chat correspondence so you can not document written complaints. 
5. XXXX XXXX XXXX DOES NOT respond in writing to complaints over the phone. 
6. XXXX XXXX XXXX DENIES on internet me the right to move money from CD account online to savings, XXXX XXXX XXXX intra-bank limits prohibit transfers between internet accounts, prohibit written feedback on web problems, and NEVER communicate solutions just pass along complaints. 

Recommend GolDman SaCHS TERMINATE ALL RELATIONSHIPS WITH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has refused again to provide me a copy of my consumer file pursuant to 15 USC 1681g and are continuing with their stall tactics. I have asked them twice for a copy of my consumer file and this last time they responded stating that I needed to provide them with identifying information such as a copy of my social security card, my DL, and my mailing address. However, that information was provided with the request for my file. To top it off, Equifax is preventing me from obtaining a copy of my credit report. I have tried twice now to get a copy of a recent credit report using the online account I have with them and each time they have denied it to me which is a violation as well. I will be pursuing litigation if they are unwilling to rectify and provide my report and a copy of my full consumer file. 

Attached again are my DL, ssn card, my mailing address is attached to the complaint, and screenshots of them preventing me from getting my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-10-05
Company: EQUIFAX, 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 did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 : US DEPT ED Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-01-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo has locked me out of my online portals, and even upon calling to fix they haven't done it in a year. I am unable to look at my car loan, to even see what I owe, or make payments the easy way. This has been on ongoing issue for such a long time, and once my car was repossessed due to not being able to see my payments. I since got the car back, but it cost me {$1400.00} due to their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: TX
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 filed bankruptcy and all debts owed were included and discharged in 2019. I communicated this with the debt collection company ( XXXX XXXX XXXX XXXX ) and they stated it was was not. In the event that this is true, I did not obtain, apply or consent to this loan ( XXXX XXXX ) and therefore it was obtained as a result of fraud and should be deleted immediately.

I also contacted all three credit reporting agencies and disputed these directly ; no action was taken. This despite me providing bankruptcy information which was discharged in 2019 ; and the debt collection being reported 18 months later after the original debt was successfully discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Millco Management
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The medical related collection account # XXXX in the amount of {$830.00} which is reported to the credit bureaus by Amerifinancial Solutions is fraudulent and was a result of ID Theft. I have already corrected this matter several years ago by contacting the original creditor and submitting copies of the police report and FTC report. 
Amerifinancial Solutions has violated FDCPA by not notifying me in writing and denying me the opportunity to dispute their claim and request validation. They have listed this fraudulent debt by changing the account number and reporting it to the credit bureaus as a new collection account. I contacted Amerifinancial Solutions on XXXX XX/XX/2019 at XXXX via phone call and spoke to XXXX advising her that I don't owe this amount and requested a fax number to submit supporting documents but she refused to provide a fax number. I have no responsibility to this debt, this is not my debt and it is injuries to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express had requested and received a notarized ID Verification form which cost me an out of pocket expense of {$25.00} and nearly 6 hours waiting to locate a notary online. American Express found this unacceptable even though they do this themselves and told me I had to do it at a XXXX XXXX. 

I went to a XXXX XXXX with Notary today ( XX/XX/22 ) and got another copy of the document for ID Verification notarized with a California Affidavit attached and sent it to American Express. Out of pocket expense : {$15.00}. 

Contacted by American Express today twice and was told very little information other than they got the notarized documents and affidavit but still want me to go to another XXXX store and get the document notarized a third time plus they now want a copy of my drivers license and social security card. 

To make matters worse, this is all on a 15 day ticking clock. 

I sincerely believe I am being led on by American Express and simply want the right to use my Platinum Card I justifiably applied and was approved for without anymore security concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XXXX  and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-06-21
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
My wife and I own our home in XXXX XXXX, FL, which took a direct hit from XXXX XXXX on XX/XX/2022. On or about XX/XX/2022 I reached out to my lender 's loan processer, Loan Care, to request a 30-day extension since my home had suffered major damage from the hurricane. They would not offer me such 30-day extension, but instead offered me a 3-month bereavement. I explained I didn't need that long, just 30 days. They said that was the only option, and there was no mention this bereavement offer would affect my credit score, but I learned later it did. I made my next payment as agreed, but they immediately notified the credit reporting agencies that I was 90-days behind on my mortgage. As a result, my credit score dropped from XXXX to XXXX. I immediately contacted them to dispute this, and promptly caught up on the payments. They have refused to take responsibility of not informing me of the consequences of their bereavement plan, nor have they updated the credit reporting agencies showing my mortgage is no longer past due. Their recent comment to me was that it isn't the agent 's responsibility to inform the homeowner the bereavement will ultimately affect their credit rating. They relied on mailing me a paper with those details, which I never received because my mailbox blew away in the hurricane. I request your assistance in getting this matter resolved as quickly as possible. Neither my lender, XXXX XXXX XXXX XXXX XXXX, or it's processing company, LoanCare, is helping me with this. Please help. Thank you.

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 2022-03-24
Company: EQUIFAX, INC.
State: MS
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX, XXXX & XXXX opened XX/XX/2021 for {$220.00}, XXXX opened XX/XX/2021 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation