BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: LAW OFFICE OF HALL AND ASSOCIATES
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received my XXXX XXXX ( checking & savings ) statement indicating the law office illegally seized my XXXX to XXXX XXXX {$2800.00} ) SS benefits that opened the accounts & allowed me to be able to cash the checks at that time with US Treasury checks. The US Treasury stopped SS benefits checks & mandated direct deposit which I enclosed XXXX XXXX. Those SS funds are federally protected & the law office needs to put them back into my checking & savings accounts. The law office states I owe them for not being in-possession of their property from XXXX to XXXX & they are charging me with that some {$7000.00} plus cost & interest for their possession of their property. He also needed my SS # which is illegal. The law office has not given any specifics as to why they did not garnish anything from XXXX to XXXX plus they have never sent me any bills stating I owe them which indicates for me some sort of holiday fraud & /or some despair on their part. In contacting the law office I've left several voice messages of which no returned phone call. Yesterday morning the receptionist hung up on me. Today I finally got to speak to XXXX of which I was told this updated information about their property possession of which I am charged for never being there-charged for not being in possession of their property. They state I owe them all that money because they are in possession of their property. I'm being charged for non-possession & there has never been any bills sent in the US Mail for this alleged debt. I AM ON XXXX & XXXX OUT HERE ON THE STREETS! I have filed for Indigency, a Squashing of the garnishment, & an SSA benefits Exemption Claim while still using my SS benefits for phone calls, US Mailings, postage, time, emotions, mental anguish ... .they illegally garnished federally protected SS benefits. 

They need to put those funds back into my checking & savings accounts & clean up what they have put on my Credit report in their illegal practices as an alleged " debt collector ''. They need to leave me alone & no further contact from them to me in regards to any of this in an probable attempt to interstate stalking, harassment, & illegal practices. I do not have the Option above to choose all that applies to all of this. XXXX is federally protected checks opened accounts in XXXX, checks cashed via accounts till XXXX & have remained there since for emergency & funeral travel for family, necessities. 
Due to technology & uploading my information I have more than 10MB & am not able to delete any more in the file without losing my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Issue : Electronic Payment from XXXX XXXX XXXX to M & T Bank is not credited by M & T Bank after 10 days. 
Description : A payment of {$10000.00} was made from my personal Checking Account with XXXX XXXX XXXX  of NJ to my personal Checking Account with M & T Bank. Payment originated from XXXX XXXX XXXX  and set as " Electronic payment ''. 
Payment Date : XX/XX/2020 Amount : {$10000.00} XXXX XXXX XXXX did originate the payment and did provide written " Proof of Payment Transmission for Payment ID XXXX ''. It clearly states all relevant payment details, including M & T bank Checking Account number where the payment was supposed to be credited, amount, my full name, date and time when payment was transmitted. 

This is not first time when this type of payment was made from/to above mentioned accounts and I had no problems before. 

After 6 days, I did not see the credit in my checking account at M & T Bank ( accessed through M & T Web account ) Monday XX/XX/2020 I did contact local M & T Bank Branch in XXXX PA. I was advised to call M & T XXXX number. 
I spoke to following Customer Service persons : XXXX XXXX XXXX, XXXX and finally connected to XXXX that I was told is a Supervisor. 
XXXX did confirm that information provided are correct, other previous identical transactions were processed without problem. The most recent identical transaction was processed on XX/XX/2020 for the amount of {$500.00}. 
XXXX mentioned that is unable to provide an explanation as to why the latest transaction of {$10000.00} is not properly processed. 
She mentioned that an Investigation will be initiated and she will call me no later then Wednesday XX/XX/2020 with a resolution to my issue. 
As of today XX/XX/2020 XXXX I have not heard from XXXX XXXX 
I made a call to above mentioned XXXX number and insisted to talk to XXXX. This time XXXX took the call and I was asked numerous questions not only directly related to identify myself and my Account but also questions that I was never asked before by any bank, including M & T bank. Like : Who are you employed with? What country are you citizen of?. To me looks like my accent played a role in triggering additional questions. 

When I objected to unnecessary and annoying questions finally was was put on hold and after a while I was told that my issue was not resolved, XXXX goes into a meeting and I will be called by XXXX when the issue will be resolved. 
I took the answer as : We will take care of you, the customer, whenever we get to it. 

The {$10000.00} was intended to pay a Home Equity line of Credit that I have with M & T Bank. 
The M & T bank sits on my monies for 10 days or so, while I am charged interest on my Home Equity Line of Credit. All of this white I wonder what happened to {$10000.00} This doesn't look right to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
The bank closed all of my accounts ( 2 checking and 1 savings account and 2 credit cards ) for no reason whatsoever. No one can tell me why. I had just received the bonus offer on one of my cards which I lost, and my husband who was in one of the accounts got his account closed as well. There have been no overdrafts, excess transfers, no suspicious activity except the fact that I sold a property which I had owned for 5 years to help with medical costs for my father who was just recently diagnosed with XXXX and has no medical insurance. I transferred them the money directly from bank to bank to XXXX. I made sure to go into the XXXX XXXX XXXX, had my XXXX  Passport and XXXX  License and the closing papers for the lot I sold. I Provided all documentation to verify it was a legal and valid transfer and XXXX weeks later all my accounts are closed. I am in my right to know the reason so I can provide the necessary documentation to avoid them falsely and under assumptions to just close accounts I've had for so many years and destroying my credit score in the process. I understand its their right to not want to reopen them or to close them but its also my right to clarify and provide the documentation to backup the transfer I made and avoid them blacklisting me or my husband from ever opening an account with them or any other banking institution. I tried contacting the fraud department at bank of america, account closing department and my local branch and no one can give me any information

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have notified the companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX of the fraudulent activity. they refuse to remove the inaccuracies insisting that they are accurate. In fact and by law they are not accurate and are illegally using my information without my written consent.

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 2023-01-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Care was repro and the credit card was closed

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 2020-07-25
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Oh XX/XX/XXXX I filed a fraudulent charge on my way2 go program card. As I looked back I realized there were charges all over seas and as well as in many states I dont live in and have not visited. I called the company and after 5 hours on the phone we added up a total of {$710.00} After that was complete I faxed over the paperwork. Hadnt heard a thing so I reached back out and waited another 3 hours on the phone to get to the bottom of it. They said my case was denied and did not give me any details or reason why. I want further investigation and a refund of my money that I desperately need to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 reached out to the 3 credit reporting bureaus in regards to a collection account that is not mines and I have documentation showing it is not mines. I just want to get this removed because its reporting inaccurately.

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 2018-12-05
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/2018 I contacted Equifax via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. 

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

Sincerely, 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 2023-08-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The account status listed on the accounts that are marked as charge off and written off on my XXXX report DO NOT have the same status on my Equifax and XXXX credit report. Due to this conflicting and inaccurate status, these accounts should be removed from ALL 3 credit bureaus immediately. 
- ( 3 ) XXXX XXXX accounts - ( 2 ) XXXX accounts- ( 2 ) XXXX accounts- ( 1 ) XXXX XXXX account - ( 1 ) XXXX XXXX account - ( 1 ) XXXX account - ( 1 ) XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint on this issue with CFPB before : XXXX. Thank bank 's response to that complaint, however, completely omitted the issue of the fraud system text messaging verification system failing, and the bank 's resolution was the exact same resolution that I tried last XXXX and it did not work. 

I just got off the phone with the XXXX  XXXX at Wells and she stated to me that there is no way to ensure that the bank will not block access to my funds via ATM again. There is no way to tell why the bank flagged this as fraud. And there is nothing more I can do about this situation. 

So I am, at the advice of the bank, filing a new complaint so that the issue that bank failed to address the first time can be addressed, and we can continue the conversation about how I can be reasonably sure that when I go to ATMs to withdraw cash that the bank will in fact allow me to withdraw the cash.

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 2023-10-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My Vehicle was reposed, the company sold the vehicle at the auction and didn't issued credit for sale. The company is trying to collect of the full balance in auditioned is trying to collect interest after the account was charged off on XX/XX/. I would like for this account to be removed from my credit report as its reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously asked the credit bureaus for a investigation on account that was fraudulent opened in my name the company was sent a letter for validation of my debt company never responded I also wasn't given anything about the results of my dispute I have proof I sent numerous certified receipts. I sent proof of my identity and my FTC report and now this is my next step before I file a law suit. I will be submitting ALL my proof thanks 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 2023-04-18
Company: Experian Information Solutions 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:
To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.

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 2018-04-28
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: Their investigation did not fix an error on your report

Complaint:
My XXXX XXXX  and XXXX XXXX is still reporting data that past I past due on my credit report.The accounts are closed and past the statute of limitation.Information was submitted to XXXX XXXX to remove the information off my rercord.

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