BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to express my disappointment and concern regarding Bank of America 's lack of response to my dispute letter dated XX/XX/2023. The purpose of my correspondence was to bring to your attention an account that is inaccurately reporting on my credit report and to request validation of the account 's accuracy in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

My specific concern is that it is not reporting 100 % accurately on my credit report. I had requested in my letter that Bank of America validate this account to ensure its accuracy and completeness, as I believe there may be discrepancies in its reporting. I also stated my expectation that, should the account not be reporting accurately, it should be removed from my credit report as mandated by the FCRA. 

It is now evident that Bank of America has not fulfilled its responsibility to respond to my dispute within the required time frame, thereby violating the FCRA 's regulations. As of today 's date, I have not received any investigation results or correspondence from Bank of America regarding the accuracy of the account in question. 

This failure to respond not only disregards my consumer rights but also contributes to the ongoing presence of inaccurate information on my credit report. The FCRA is designed to protect consumers from such circumstances and mandates that accurate and verifiable information be reported by creditors and credit reporting agencies alike.

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 2023-03-07
Company: Propel, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had filed a dispute for u authorized fraudulent charges and I was told I would have my provisional credit in 10 days if I was eligible.. and I was but 2 days ago which 2 days before the funds were Available to me they closed my account and I have no access to any of those funds this is unfair and I have nothing to with witb any of those charges I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
After a long wait, they said we cancel the credit card No explanation of who opened without my consent I suppose to pay them XXXX dollars annually Fort this credit card

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 2023-05-07
Company: Experian Information Solutions Inc.
State: VA
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:
CFPB had a breech as well as all these other reporting agencies which causes me great concern with my information not being accurate. The addresses and employment information is mine i have attached my id and they still continue violating me, the information below is not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXXXXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAMEhas in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my XXXX and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.

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 2020-11-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We lost our home to a fire onXX/XX/XXXX. Our insurance company cut us a check for over XXXX so we could rebuild our home. We only paid XXXX for our home in XXXX. The check was written in our names and Wells Fargos name. Our bank told us we had to sign the check and send it to Wells Fargo and that Wells Fargo would send us back the money so we could rebuild. What Wells Fargo actually did was send us a form asking us if we wanted to use the money to pay off our mortgage or rebuild. We chose to rebuild, filling out and returning this form to Wells Fargo stating that we want to rebuild. Wells Fargo disregarded what we said and used our insurance money to pay off the mortgage instead. We spent 2 years trying to fight them to get the money back. We could never get anyone to help us. They would transfer our calls all around the country! We even sent paperwork to them that they had to sign to receive and when we would call them, they would say they never received it. When I would say yes they did and this is when you received it and this is who signed for it, they would say they do not know anyone by that name. They wore us out and we felt we had no option but to give up. Wells Fargo stole my home. They ruined our lives. Not only did I lose my home and all my possessions to a fire, I ultimately lost my home because we did not have the money to rebuild. I know this is way after the fact but I just saw how Wells Fargo is being punished for the crimes they have committed against people. I, to this day, want my XXXX back that they stole from me. I would also like to see monetary damages for all the pain and suffering my family has experienced since XXXX. This incident devastated my family to this very day.

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 2023-03-09
Company: Rock Holdings Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There was a lien put on our property at XXXX XXXX XXXX XXXX OH XXXX in the early XXXX 's. The home was refinanced in XXXX. The title company was Title Source which is now XXXX. At the time that Title Source did there checking they found that lien ( XXXX XXXX XXXX  ) and had sent for the release from the county. The county rejected the release because they were not the original lien holder. Nothing further was done on the lien and was sold to XXXX XXXX and is still open and has gained {$10000.00} in interest. Now that I am trying to purchase a new house this lien has shown up again which is 7 years older. Had the job been done right this would not be causing problems with me purchasing the new home now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION COLLECTION : XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-01-05
Company: Experian Information Solutions Inc.
State: CA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-01
Company: TD BANK US HOLDING COMPANY
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:
In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

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

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NV
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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN, XXXX AND XXXX ARE reporting late payments on multiple accounts ( XXXX  XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN, XXXX AND XXXX OR XXXX XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

EXPERIAN, XXXX, XXXX AND XXXX XXXX ARE IN VIOLATION OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2018-08-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I can only give you a very brief information, b/c I had all the paper work at home and will sumbit to you later if you need it. 
It happened about two years ago. I had the Credit Card from American Express. But I discovered that they charged me very unfairly, so I decisided to discontinue the relationship with them. I had spoke to the phone rep. for that and she told me not to worry about it, so I thought everything was in smooth condition, but surprisingly received a letter from the company which charged me unbelieveable late fees and interests each month in following months that none of them are my fault. By then, I could not call them to tell the issue, b/c my XXXX leads me to become XXXX XXXX individual. ( please feel free to inquire the copies from the chat dept. of American Express. ) So I communicated with them thru. chat about the issue a great number of times, but it did not work. So I decided to write to CEO & President both about the situation, but I received no feedback at all and got ignored by both of them ; instead, they reported the case to collection agencies. And I sent an email to the first collection agency, and heard no respond from them. However, I continued to receive letters from collection agencies more than once at this point to tell me to pay the debt. I want to stop the relationship with them but never intended further business with them, I want to pay off my share and close my card and never see/hear from them again, but not with their claim and they tried hard to ruin my credit report record which I should earn my excellent credit record back. Can you help on that? I will be happy to send you any additional inform/documents to support my statement. Please help me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: AZ
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX COLLECTION XXXX XXXX XXXX  ( Original Creditor:XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX XXXX  ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} INQUIRIES : 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 explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NC
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 several 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 XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$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 2022-12-01
Company: Experian Information Solutions Inc.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No XXXX XXXX. Amount Owed {$170.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks 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 2023-08-16
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My complaint is with Mariner Finance. I have REPEATEDLY asked the local branch not to call my work number and leave voicemails because I am not the only person that has access to that voicemail. They have repeatedly ignored my request. They called this morning at XXXX and left a voicemail. My Sales Manager got the message and sent me an email. I do not want my co-workers knowing my financial business, but now they do and I am very mad! Them calling my work is against the law, especially when I have asked them not to. 
I am 1 month behind on my payment due to a financial hardship, and I have tried to get them to help me, and they refused. I told them that I could not longer make the high interest payments and pay the enormous fees but I do want to repay the principle amount that I borrowered from them. I have asked them to eliminate the enormous fees and interest from the account and to just let me make payments on, or even pay off the principle. They will not negotiate on any of the terms. They will only agree to roll the pastdue amount to the end of the loan AND ADD MORE FEES! They constantly harass me with calls and calls to my work. They have intentionaly violated my privacy! 

Last year my self employed XXXX got XXXX. I have been trying to help them, plus keep all of my bills paid. They have a new baby due in two months. It has been very hard and I am doing the best that I can. Other creditors were understanding and was willing to negotiate the terms of my debts. Mariner would not! 

Please tell me that they is something you can do about this situation. I told them today to cease and decease on any calls to me. These companies should not be able to get away with the type of collection efforts they use. 

I have attached two screen shots showing evidence of them calling my work number.

Company response to consumer: Closed with explanation