BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
MY ACCOUNT WERE CLOSED WITH NO EXPLINATION. 

I HAVE THAT Bank of America ACCOUNT FOR MORE THAN 14 YEARS. I CALLED AND THEY DONT WANT TO TELL ME WHY!

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To Whom IT MAY CONCERN, I recived a copy of my credit report with the intention of trying to improve my credit and take care of my reasonabilities and noticed some accounts that i wanted a little more explanation on. Im not saying they are reporting right or wrong .I am just saying that i am not 100 precent if they are.I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C sec 1681i { a }? I heard that if you can't provide prof these accounts must be deleted. Well I want just that for these listed accounts deleted. I want these accounts deleted if they are not 100 precent right and correct. So could you please check on these and get back with me asap. I saw on a credit site and board where this lawyer said you have XXXX days to complete this investagation. Please investagate the folling accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investagate every peice of infromation is correct. if not, please remove it from 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 non-monetary relief
Consumer complaint received 2023-06-21
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a late payment entry on my credit report, specifically pertaining to my credit card account with the details mentioned below : Account Name : BANK OF AMERICA Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Balance : N/A Balance Updated : N/A Recent Payment : N/A Monthly Payment : N/A Credit Limit : {$6500.00} Highest Balance : {$7000.00} Terms : N/A Payment History : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met : 30 Past due 30 days : XXXX Payment history guide : 30 days past due as of XX/XX/XXXX Balance Histories : XX/XX/XXXX : {$33.00} Scheduled Payment : {$33.00} Paid : {$0.00} on XX/XX/XXXX Additional info : As of XX/XX/XXXX, your credit limit/high balance was {$6500.00} Contact Info : Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX I wish to bring your attention to a 30-day past due notation from XX/XX/XXXX, which I believe has been inaccurately reported on my credit profile. I want to emphasize that I have made full payment towards this credit card account, and I possess the necessary evidence to support this fact. 

According to the provisions outlined in 15 U.S. Code 1637 - Open end consumer credit plans ( C ) Payments at local branches. 
If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment.

To substantiate my claim of full payment, I am prepared to provide documented proof, which includes a copy of the payment made at the Bank of America branch, as well as any other necessary documentation that demonstrates the complete repayment of my debt. Additionally, I possess video evidence of the transaction that took place at the bank branch.

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 2023-05-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
This company was involved in a data breach. My information was confirmed as affected in their system. However i provided them with information indicated that my information was involved in a scam in XXXX yet they neglected to acknowledge my documentation. Aside from that the breach itself violates privacy and securities laws and are against the data protection act. I do not feel secure with the lack of security they have with my information. my personal information was breach and potentially leave the possibility of identity theft In the future. I do not feel safe and id like to acknowledge my concerns with the company. And at the least would like to be accommodated with ensuring the security of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had an account with Wells Fargo a while ago and the reason I don't have it any more is I had them to close my account because money kept disappearing from my account and when I went in to the branch to complain or called customer service they didn't know where the money was disappearing to and couldn't tell anything which as disappointing, I don't have the account any more but now since it's an investigation there should be a way to find out about my missing money. 

Thanks.

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 2022-12-07
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:
See attached. 
I am victim of identity theft ** I DO NOT CONSENT TO E-OSCAR **

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 2019-05-08
Company: EQUIFAX, INC.
State: NY
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:
Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the BBB ( Better Business Bureau ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There is an account reporting from XXXX XXXX that does not belong to me, Ive sent it validation letter and Ive also sent in a letter from security finance stating that they have no account with my information that belongs to me. Ive disputed and it keeps coming back verified.

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: EQUIFAX, INC.
State: AL
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: PNC Bank N.A.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This complaint is about PNC and their lack of communication when giving lien releases to their consumers. After my loan was completed I didn't receive any information from PNC through email, text, or phone call. I waited until the end of the XXXX  the loan was paid off to start looking into selling my vehicle. When I found a seller I went to a PNC branch to pick up a lien release only to be told it was mailed out to my parents address. It was allegedly mailed on the XXXX XXXX XXXXXXXX but hasn't arrived yet. I requested a new copy be sent to me on the XXXXXXXX XXXX XXXXXXXX and was told there was no way to use express mail. PNC had no issue overnighting a check for me to take out another loan with them but can't get the lien release to me in a timely manner. I haven't been given any explanation for this other than it's not possible. I've also received mail from them XXXX XXXXXXXX XXXX, about a new loan I took out on the XXXXXXXX XXXX XXXX which actually led me to create this complaint. Customer needs are not being prioritized but PNC has no issue making sure you know how to pay them in a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for a loan in person for XXXX but, at the time of the loan everything was done on her computer and she said everything would be emailed to me but it was never sent to me and when I called them on several occasions to discuss why the loan is not decreasing in the amount but is instead increasing all I received was the run round. 

I am aware that a lawsuit has been filed against titlemax for XXXX XXXX dollars with XXXX XXXX going to military families for predatory lending practices and XXXX XXXX going to consumers and I would like to know how to become apart of the lawsuit. 
I have already contacted XXXX  XXXX and did an interview with a reporter regarding titlemax illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards XXXX that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that XXXX was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: MD
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 Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I can't access the new Wells Fargo account I open

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 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
To Whom IT MAY CONCERN, I recived a copy of my credit report with the intention of trying to improve my credit and take care of my reasonabilities and noticed some accounts that i wanted a little more explanation on. Im not saying they are reporting right or wrong .I am just saying that i am not 100 precent if they are.I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C sec 1681i { a }? I heard that if you can't provide prof these accounts must be deleted. Well I want just that for these listed accounts deleted. I want these accounts deleted if they are not 100 precent right and correct. So could you please check on these and get back with me asap. I saw on a credit site and board where this lawyer said you have XXXX days to complete this investagation. Please investagate the folling accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investagate every peice of infromation is correct. if not, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: PA
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:
Based on, 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 result 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 identi theft!! Please delete these items as soon as possible!

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 und 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. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation