BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
Company: Experian Information Solutions Inc.
State: GA
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:
Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.

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 2022-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Bank of America paid my property taxes on my behalf and created an escrow account without my knowledge to repay. I also paid my property taxes. My county treasurer and I discovered the mistake. My county treasurer refunded their amount and in XXXX of XXXX I paid Bank of America the other refund for the fall taxes they also paid without my knowledge. The escrow account is receiving all of my monthly mortgage payments and my actual mortgage amount is standing still. Bank of America is also charging me late fees and interest for every month that goes by. In the meantime, it was also discovered that Bank of America has paid property taxes on a parcel that was sold by me XX/XX/XXXX. I do not and am not responsible for that transaction. I have communicated via telephone numerous times with Bank of America about their errors but have not gotten closure.

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 2023-08-22
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:
I have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both XXXX, Experian, and XXXX for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
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, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject XXXX XXXX XXXX promissory note and claim of ownership over my name XXXX XXXX XXXX. I command XXXX XXXX XXXX with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the XXXX XXXX XXXX debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that XXXX XXXX XXXX has no standing at law against my superior title and ownership over my name 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 2023-03-07
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of the West charged me over draft fees for point of contact purchases and or atm withdraw from 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 explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've reported fraud via mail and I haven't received an update.

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 2020-01-27
Company: WESTERN UNION COMPANY, THE
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I initiated a wire transfer by telephone contact with Western Union ( " WU '' ). I provided the WU agent with my XXXX XXXX checking account number, the appropriate XXXX XXXX routing number, and my XXXX XXXX debit card information. The WU agent confirmed my information as accurate, and immediately caused my account to be debited {$220.00}, which included a {$19.00} for WU. The remaining {$210.00} was to be wired into my checking account. On XX/XX/2020, XXXX attmpted to debit my XXXX XXXX Checking account but as a direct an proximate result of WU 's negligence, the XXXX debit was not successful and XXXX XXXX charged my account a {$35.00} " NSF '' fee. It turns out that WU caused my funds to be wired to the wrong " code city '' as well as the wrong company -- - XXXX XXXX XXXX XXXX. I do not have any account with XXXX XXXX XXXX XXXX. I immediately initiated a claim with WU, and I was informed repeatedly by several WU employees and Managers, including, but not limited to, " XXXX XXXX '', " XXXX XXXX '' and more recently, XXXX XXXX Executive Resolution Specialist. Ms XXXX instructed me that she would be the sole point of contact, and yet she refused any significant assistance, and went so far as to state that she " had no idea '' how long it would take to receive my refund AFTER WU receives the funds from XXXX XXXX XXXX XXXX. In any event, each and every one of the WU agents were adamant that WU had NOT received my funds from XXXX XXXX XXXX XXXX ( despite the fact that such was a lie ) and that the only thing that WU could do would be to send another email request to XXXX XXXX XXXX XXXX  seeking authority to provide me with a refund. My own investigation revealed that on Friday, XX/XX/2020, XXXX XXXX XXXX XXXX  had indeed wired my {$210.00} to WU in a " Bulk Transfer '' and the proof of my refund is included in XXXX XXXX XXXX XXXX  spreadsheet, Sequence # XXXX. It is my belief that WU is engaging in a pattern and practice of unlawfully withholding customer refunds for inordinate amounts of time, while earning interest on these funds, while lying to WU customers. There i simply no reason, in this era of electronic transfers and overnight clearing that my {$220.00} should not be released to me immediately, as quickly as WU removed the money from my account. Please investigate these claims. I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Bank of New York Mellow filed judgment XXXX against us even though we had already filed Chapter XXXX and loan was discharged XX/XX/XXXX by XXXX XXXX XXXX United States Bankruptcy Judge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: OH
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:
The account with XXXXXXXX XXXX is currently in Ligation. The account is still showing on the credit report. The account needs to be removed until the case is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MN
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 a consumer who was affected by the recent Equifax XXXX XXXX ( computer coding error ) which changed and miscalculated my Equifax credit score between XX/XX/XXXX and XX/XX/XXXX. Before the Equifax computer glitch my Equifax credit score was XXXX, but now my credit score is XXXX because of the Equifax computer coding error. The following unauthorized and fraudulent credit card accounts, collections account, public record and credit inquiries reappeared back on my Equifax credit report due to the the Equifax computer coding error : XXXX XXXX, Balance : {$330.00}, XXXX XXXX XXXX XXXX, Balance : {$370.00}, XXXX XXXX XXXX XXXX XXXX : {$5600.00} and BANKRUPTCY CHAPTER XXXXDISCHARGED U.S. BANKRUPTCY COURT XXXX XXXX MINNESOTA, Account Number XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, and XXXX, Hard Inquiry Date : XX/XX/XXXX. The following credit card account is lost/stolen : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$71.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I submitted a dispute for XXXX in the amount of {$150.00} for bank account ending in XXXX. I have submitted documentation to the bank showing that I returned the product and didn't receive my refund from the company. The bank account is now closed. The merchant advised they will not work with me any more due to they refunded it back to the closed bank account. I have contacted Ally Bank many times. Providing all the proof they are requesting from me. This dispute has been opened since XXXX and its now XXXX. I have not been provided any temporary credit and they decided to close my bank account without my authorization. They are stealing my money and violating Regulation E due to my dispute has been well opened more than the time frame its supposed to be open. They have not given me an update on my dispute and no funds have been provided. I keep asking to speak to a manager, do the callback requests for a survey for someone to call me back and no one has called me. I need assistance with retrieving my funds as Ally Bank is stealing my money from me. I believe they are retaliating against me and causing me harm and treating me poorly and unfairly. I dont understand why the dispute has been ongoing for over 6 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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-11-11
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Credit for payments made under income driven repayment status not included with payments made under public service loan forgiveness I'm currently under. I've been pushed all the way back to the beginning regardless of paying student loans over half my life, I'm now XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I provided on several occasions a police report and the inquiries are still there. I have a fraud alert and inquiries I dont recognize are on my credit report. I was told be transunion and XXXX  that they could not remove the inquiries.

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 2022-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I requested a cash out rollover of my XXXX XXXX  through Merrill edge. They insisted I had to wait for a check to come through the postal service. The check arrived 7 days later and was payable to my house. To my house! Not to me! Obviously I could not use the check. I called Merrill edge and I had to wait XXXX minutes for help and all Merrill could do was tell me all of the steps I had to take to fix their mistake. I did everything they asked. They told me the funds would be available to wire to my account on XXXX XXXX and said they would wire the funds that day. It is now XXXX on XXXX XXXX and there is no sign of the funds in the account and the service reps are saying the money will supposedly be available tomorrow l, the XXXX. They keep speaking of XXXX managers working on the case to get the funds available to fix their mistake, but the managers never make the funds available and they keep pushing the date for the funds further away and telling me to just wait and trust them that the funds which were going to be available today will be available tomorrow. There is no basis or explanation for delays. Just telling me it takes time to move funds from the check payable to my house back into my account. After an hour on the phone on XXXX XXXX a XXXX manager told me the request to return my funds was never processed until XXXX on XXXX XXXX and my money would not be available until after XXXX on XXXX XXXX but he had no way to confirm that and just wanted me to depend on them to monitor the account again tomorrow and call me when the funds arrive. So no help from the XXXX  managers. Only solution they present is for me to trust the company that sent a check made payable to my house. To my house. More than a week lost because they wrote a check to my house. No answers except to trust them not to XXXX it up again.

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 2021-08-17
Company: World Acceptance Corporation
State: SC
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 to my identity theft. I am also a victim of the XXXX breach 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On my credit report, they keep on reporting it as a new debt It was filed again in XX/XX/XXXX as a new debt was already reported in XXXX and they keep on refunding it like its a new debt thats got to be illegal. Affecting my credit in a negative way.

Company response to consumer: Closed with explanation