BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX put in a request to have money transferred through BOA XXXX XXXX via on the phone in the amount of XXXX which the bank misspelled my name and wasnt approved to pick up funds that were taken from my account. Both XXXX XXXX and BOA said it takes 45 days for the funds to be reversed back into the account. XX/XX/XXXX a claim was put in for my refund reached out to XXXX XXXX myself on XX/XX/XXXX confirmed the payment was processed but the funds were never picked up by reciever and XX/XX/XXXX I recieved a letter from BOA that the credit was issued to my account would appear on in my account in two business days. Today is XX/XX/XXXX and still havent recieved the refund that is long overdue to 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 2023-08-03
Company: EQUIFAX, INC.
State: FL
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: INDEPENDENT BANK CORP.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We own a small XXXX XXXX, on XX/XX/XXXX we sent a check to our painter in the amount of {$2500.00}. Several weeks later the painter called and asked him where his check was. I checked with the bank and saw that the check had cleared our account on XXXX XXXX, so I thought we were all set. A couple weeks later the painter called again looking for payment. I told him the check had cleared. Around the same time our bank statement came showing the cleared check image. Painter insists he never received it, so we contacted our bank again. They investigated and said the check was deposited, unendorsed, via a XXXX XXXX XXXX ATM. My husband and the painter filed the appropriate documentation with our bank, Rockland Trust, and the painter signed an affidavit that he does not have a XXXX  account. Its been 4 months and we dont have our money back. Rockland Trust says that XXXX  is investigating and that could take months!! {$2500.00} is not a huge amount of money, but in this pandemic, we need every cent of cash flow. Not to mention, we had to pay the painter, so we are out an extra {$2500.00}.

This was absolutely an unauthorized transaction and both banks, Rockland Trust and XXXX XXXX XXXX are not following the rules for an unauthorized transaction. We reported this well within the 60 day window, but neither bank is following their responsibilities. We have had nothing in writing, just excuses, and we are told to have patience, that the investigation could take 4-5 months. Inexcusable. When I spoke to Rockland Trust on XX/XX/XXXX XXXX 4 months after the check was stolen ), I was advised to open a new account and to be patient. Ordering new checks, deposit slips etc. cost {$400.00}. For a situation where we did nothing wrong. Do we have any recourse? This is ridiculous that neither bank is helping us. If this had been a {$25000.00} check not {$2500.00}, we would have been out of business. And there is absolutely nothing we could have done differently. We mailed a check to a vendor. What else could we have done??? And if the check was deposited via an ATM as we were told, there has to be a card linked to an account. Why is it so difficult to find our money??? Ive asked to speak to the fraud department at our bank to get more info, but was told that they dont talk to the public.????? I have absolutely no faith in either bank. This could easily happen again and, other than handing our vendors cash, there is nothing we could do differently. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I canceled a Barclays JetBlue card I was not using as I no longer wanted to pay the annual fee. AFTER the card had been canceled, Barclays still processed a payment from my bank account for the amount of the annual fee. I have contacted Barclays multiple times to rectify this and they still have not returned the funds they collected from me incorrectly. The total is {$99.00} against a card that has been canceled for 2 months now.

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 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hi, My name is XXXX XXXX I have a delinquent capital one account reporting delinquent on my XXXX credit bureaus that I never received or even applied for. I need this removed from my credit ASAP! I called in to dispute this account as soon as I found out about it but at that time the account was past due and in deep collection. I was in the process of moving homes and the address that the card was supposedly sent to I wasn't even living at the time! I need this delinquent account either removed from all XXXX bureaus or update to on time and upstanding as it is severely ruining my credit as I am trying to go for a home loan. Also I didn't even apply for this account in the first place! Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this reporting agency Experion and XXXX and XXXX was reporting a auto loan for {$10000.00} & a credit card for {$12000.00} from XXXX XXXX XXXX XXXX and a collection account from XXXX XXXX XXXX for {$130000.00}. 
These account was being reported under my name by error either from the credit reporting agencies or the Bank I do not know but about 18 months ago when I first noticed it I have been back and forth disputing it with all 3 reporting agencies and the creditors and have been providing them with my ID 's showing who I am to help them remove these account from my file. 
since then XXXX did remove all 3 as not being my account but XXXX and XXXX are not doing anything to correct their reporting and although the XXXX XXXX XXXX XXXX and the XXXX XXXX have sent letters to the agencies to help correct their error but instead of removing these items they are now reporting as one showing " paid and closed " and the other as being accurate and are refusing to correct their wrong and inaccurate 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 2023-02-03
Company: FirstKey Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX First Key Mortgage purchased my loan from XXXX and has it serviced with sXXXX XXXX XXXX ( XXXX ) After years of numerous complaints regarding XXXX overcharging me thousands for taxes and insurance : I tracked down XXXX Key mortgage and notified them of the clerical errors and the hardship it has cost me as i am a XXXX veteran. Another month has gone with no word from them either! 

XXXX & XXXX FOR XXXX TOTALED {$3300.00} NOT {$4800.00} XXXX & XXXX FOR XXXX TOTALED {$3200.00} NOT {$4100.00} ESCROW ANALYSIS FOR XXXX & XXXX ARE WRONG BY THOUSANDS MAKING MY MONTHLY PAYMENT MORE THEN IT SHOULD BE!!!! 
my {$890.00} mtg payment carried over from XXXX XX/XX/XXXX should NOT change until the new XXXX policy took effect XX/XX/XXXX. What is a bankruptcy payment and all fees? Escrow should have {$1400.00} carried over from chase where did it go? 
Enclosed is the Escrow disbursement from XXXX CLEARLY THE NUMBERS HAVE NOT BEEN UPDATED TO REFLECT MY POLICIES... WHY? 
My insurance company XXXX contacted XXXX XX/XX/XXXX on my behalf to request the analysis be corrected for XXXX & XXXX, and UPDATE new policy for XXXX date and price ... XXXX  REFUESED TO PROVIDE ANY INFORMATION!!! WHY? 

XXXX XXXX servicing needs to ADMIT THE CLERICAL ERROR AND FIX IT!!!!! 
apply all escrow payments at the time they were made NOT 6 MONTHS LATER. REMOVE ALL FEES AND CORRECT THEIR CLERICAL ERROR BEGINING IN XXXX AND RERUN THE ESCROW FROM XX/XX/XXXX WITH CORRECT NUMBERS TO DETERMINE A CORRECT PAYMENT. IN XX/XX/XXXX XXXX THE ESCROW WITH CORRECT NUMBERS FROM POLICY AND ALL OVERPAYMENTS APPLIED TO MY PRINCIPAL BALANCE!! 

ENCLOSED IS XXXX XXXX AND ALL RELATED INSURANCE. PLEASE DONT LOOK AND CLOSE MY CASE I WANT ANSWERS AS TO TWHY THE REFUSE TO CORRECT. HOW IS THIS LEGAL????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I received an email. from Wells Fargo stating that my Wells Fargo business account had been compromised and to please give Wells Fargo a call. I was busy working and did not see the email so Wells Fargo called me and said a wire transfer of {$13000.00} had been initiated. I stated I did not do that and and the said to read off the verification code that was texted to me and I did. they said they would cancel my cards and bank accounts and rush me new cards. so I waited tell Friday XXXX days later and nothing happened so I went into the bank and explained my situation. They stated that they did not know what was going on and transferred the money sense I gave them the verification code which I did not do! Turns out that I was talking to fraudsters on the phone and gave them the verification number. Wells Fargo has stated this is all my fault. I have made a police report with the XXXX  XXXX police department.

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 2021-05-24
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
XXXX is reporting an alleged account. I have disputed this account on numerous occasions. XXXX keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. XXXX is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all XXXX  different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}. 
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. 
Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CO
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: Was not notified of investigation status or results

Complaint:
Despite providing concrete evidence of multiple discrepancies and inquiries on my credit report, my repeated attempts to seek resolution from XXXX, XXXX, and Experian have been met with deafening silence. In a world where financial integrity is XXXX, the need for the Consumer Financial Protection Bureau 's intervention has never been more evident. The discrepancies has impacted my financial standing, borrowing capabilities, and overall peace of mind significantly. I had hoped that presenting them with indisputable proof of these errors would swiftly lead to their correction.

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 2023-08-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, 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:
I have for the past 3 months been trying to access my credit report from Transunion. I have submitted my passport id, my drivers license, my credit statement, my electric bill, my verification of address through their email and mail. 

I have no luck accessing my credit report through them. I have lost an apartment and had to pay double on a deposit in another because they couldnt get access through them. 

I have reach to XXXX and they said they couldnt pull one from them either but XXXX and XXXX can and they provide me the info. But certain places trust transunion and they will not give it

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 2023-08-03
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Been dealing with unauthorized use of my personal information which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My name is XXXX XXXX, I am following up again with you about the bankruptcy that that reporting on my credit report with Experian. I've attempted many times to have this account investigate but somehow your Experian has refuse verified this bankruptcy as being accurate. 
I don't understand why they can't provide proof, because Im been trying to figure out how in the world did they verify this account? The US Bankruptcy Court informed me that they do not have my full social or any other important information pertaining to this PERSONAL and PRIVATE information. I also did not give them permission for them to share this information. My question to you is if the U S Bankruptcy Court does not have all my certified identity information, a 3rd party most likely does not and is not supposed to have it and is not required to verify the bankruptcy as being accurately reported. I demand that you remove this bankruptcy because it is NOT accurate and even a person with basic knowledge of my Consumer Rights have been violated. An impaired individual could see that the account is not accurate and is violating the accuracy of properly being verified. 

This is creating a lot of problems for me credit wise and financially. It is not fair to me to suffer and stress because of your inability to do things properly and illegally. All I want is for you to do is your job correctly and to properly investigate this account correctly.

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 2019-10-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/XXXX, I tried to place a freeze on my account with Experion. I completed their online form completely, including social security number, birthdate, address, full name etc. After each on several tries their response was that the information was insufficient and I would need to mail the request along with copies of a drivers license and utility bill. I have had excellent credit for 50 years and the social and birthdate have remained the same over those years. Both XXXX and XXXX   responded to my freeze request promptly. 
My conclusion is that Experion is intentionally discouraging the use of this freeze feature, possibly to promote their credit lock product. They should be reprimanded for that and provide the proper response.

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 2022-04-20
Company: Experian Information Solutions 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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting 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 non-monetary relief