BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report and are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

account : XXXX account number : XXXX Amount : {$600.00} account : XXXX account number : XXXX Amount : {$570.00} account : XXXX XXXX account number : XXXX Amount : {$600.00} account : XXXX XXXX account number : XXXX Amount : {$570.00} In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted this company via XXXX  because of an error on my report. The account is resolved but yet it is still reporte only to find The company is CLOSED and the agency XXXX will NOT release the error from my report. XXXX XXXX has confirm the amount as XXXX and should be removed however it is being being report by XXXX According to FCRA it is error and should be deleted from my report. They can verify the account because the business CLOSED and XXXX XXXX has not authorized the release because of the absence of receiveing a response from a company whom is CLOSED for business confirmed via the XXXX. See below. 

********************************************************************************************** RE : Complaint ID # XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX serving the XXXX XXXX ( XXXX  ) for assistance with resolving your dispute regarding XXXX XXXX XXXX XXXX. 
A copy of your correspondence was forwarded to the company ; however, XXXX  was unsuccessful in reaching the company for a response due to one of the following reasons : The company has confirmed to be out of business The company is believed to be out of business The company can not be located At this time, XXXX  regrets to inform you that we can be of no further assistance. If you wish to pursue this matter further, you may try contacting your local Attorney General 's office or the Bankruptcy Court. 
The company 's XXXX  Business Review has been recently updated and is available online at XXXX, or by calling. 
XXXX  appreciates that you took the time to contact us. Your experience with the company will be kept in XXXX  files for three years as part of this company 's record. 
Regards, Your 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 2022-07-26
Company: EQUIFAX, INC.
State: NJ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There are XXXX in fraudulent checks that were removed from my savings/checking on XX/XX/2023 that has not been returned 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 monetary relief
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Cashier's check from a local credit union in XXXX AZ was deposited on the evening of XXXX XXXX via ATM at Bank of America in XXXX, AZ. The bank sent a notification via email stating funds would be available for withdrawal on XXXX XXXX XXXX XXXX XXXX XXXX.  The funds were not made available and after contacting Bank of America they stated funds would be available on XXXX XXXX XXXX  I asked why the notification would state XXXX XXXX and they advised it was a mistake.  The item in question is a cashier's check.  Funds have not been made available and no other notifications have been received.  The bank will not honor theirfunds availability notification we received.  Federal regulations state that cashier's check money should be made available to the depositor.  Regulation CC (12 CFR 229) implements two lawsthe Expedited Funds Availability Act (EFA Act), which was enacted in XXXX XXXX  and became effective in XXXX XXXX, and the Check Clearing for the 21st Century Act (Check
21), which was enacted in XXXX XXXX and became effective on XXXX XXXXXXXX XXXX. The regulation sets forth the requirements that depository institutions make funds deposited into transaction accounts available according to specified time
schedules and that they disclose their funds
availability policies to their customers. It also
establishes rules designed to speed the collection
and return of unpaid checks and describes requirements that affect banks that create or receive substitute checks, including requirements related
to consumer disclosures and expedited recredit
procedures.
Regulation CC contains four subparts. The first
three implement the EFA Act, and the fourth
implements Check 21. Specifically,
 Subpart ADefines terms and provides for
administrative enforcement
 Subpart BSpecifies availability schedules, or
time frames within which banks must make funds
available for withdrawal; also includes rules
concerning exceptions to the schedules, disclosure of funds availability policies, and payment of interest.

After speaking to multiple supervisors (XXXX XXXX XXXX XXXX and a few others, and pending close to three hours on the phone, the bank representatives 3 of which are supervisors could not provide an explanation as to the delay of funds and said nothing more could be done.  The funds would be available on XXXX XXXX.  I asked to speak to their legal counsel or compliance department and they said they did not have a department available to them and we were done with the call.

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 2021-03-03
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This company has continually for YEARS ( 2017 ) harassed me into paying a loan that I have not received notice or proof that I owe for. They have called my work and my personal phone and threatened with criminal charges for the outstanding loan. When I have asked for proof of debt owed ( I do not have recollection of this loan under my name. I have never done business with Rushmore Financial ) they stated they will send me proof and I never receive it but the calls continue to come. It has been a nightmare and I would just like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Southern Management Systems Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX I signed my lease and moved into my apartment. 15 years later XX/XX/XXXX, I gave my 30 day notice and informed them that my mother was XXXX and I need to take care of her. XXXX I received notice that I had a balance of {$1800.00} and that they tried reaching out to me. That was the first I heard, I called the collection agency and requested to dispute the matter. I was informed that it was not possible and unless balance was paid in full I would be sent to collection. In the 15 years I lived there rent was paid my place was always clean and never had any issues. I had heard in the past that the same thing had happened to previous tenants when they moved out. I wrote a letter and included all the photos of how I left the property and request if they could do a good will deletion. I am XXXX XXXX XXXX and now I can not rent a place because of this. My daughter suffered a XXXX and everything was placed on the back burner. 

Please help me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: CA
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 NUMEROUS 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 items 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 items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: FC HoldCo LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2022-12-09
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi. I made a {$200.00} on XX/XX/XXXX to XXXX XXXX  to purchase a ferret from his website furryqueens.com. He later said he didnt receive the payment and asked for proof, I sent him proof. He sent contract and I signed, and was supposed to ship the ferret today. He emailed me and said that I would have to pay {$500.00} for an electronic cage for him to be shipped overseas. The website said theyre based in Texas.. And I dont need to purchase an electronic cage. Its sad and ridiculous someone would just take someones money when I was buying that for a XXXX gift for my daughter who has been battling XXXX. I requested a refund and XXXX XXXX declined it. I told cash app about this and they said there is nothing they can do about it and that they can not help me any further. I have contacted them XXXX and they say the same thing. Both myself and the scam artist I sent my money to use cash app. I dont see how they can not do anything about it being that this is completely 100 % a sad situation that I got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Our XXXX XXXX has been wiring money to XXXX and XXXX XXXX since XX/XX/XXXX. This has been done through my account with XXXX XXXX. In the past year, XXXX XXXX began placing our transactions on hold until I answered many questions to prove I had a legitimate purpose for these transactions. This happened on three consecutive transactions, and then I was able to continue these transfers without interruption for several months. Now, suddenly, my transactions are being denied altogether, and I have been unsuccessful in even discussing the situation with someone at XXXX XXXX, let alone receiving any communication from them as to the reason. I was given an email address at XXXX XXXX to forward my complaint to, but it has now been two weeks since they confirmed receipt of my email and nothing has happened. 

I provided them with our IRS letter of determination and a description of what our ministry does. There are churches in XXXX that are dependent on our contributions for both living and worshipping. 

Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/21 I was mailed a Debt collection letter from XXXX XXXX XXXX about a debt that I have No Knowledge of. This company has failed to provide me the original APPLICATION that I signed with them. If they can not provide me the original application, then I ask that this debt be removed from my credit report immediately.I am deeply upset about the erroneous things I see on my credit report. The accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out whats going on to and who the inaccurate information belongs to. Can you all clear this up quick. it is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to law unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed. This is false and misleading information.Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Investigation took more than 30 days

Complaint:
A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.

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 2016-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any.

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 2023-09-06
Company: Alliance One, Inc.
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from allianceone collection agency on behalf of XXXX XXXX, OH stating that I owe an amount that's not even due until XX/XX/2023! I only owe at this time {$130.00} and XXXX reported to AllianceOne that I owe {$490.00}. The amount of {$360.00} is not due until XX/XX/2023 and to report that I owe an amount that is not due is false information and can have a big affect my credit score once reported! Also, I was charged for digital services that are offered free with service... XXXX XXXX on Us {$1.00} and XXXX {$4.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Thaxton Investment Corporation
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:
This company is reporting fraudulently amounts on my credit report. Heights Finance posed as a different company on the phone and I agreed to pay thinking it was another company. This company had already reported negatively on my credit report as a charge off ... the initial balance they alleged I owed was {$2100.00} in XXXX of 2020. Since then each month they have reported late fees of {$58.00} dollars monthly. I have proof this company is a fraud and is very deceptive. XXXX opened a account in my name under deceptive and fraudulent information. They should not have the right to bully consumers and impact their lives, by reporting false and fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checkings account with BMO Harris online XXXX, XXXX XXXX  and deposited a cashiers check of {$60000.00} on XXXX, XXXX XXXX. Also deposited a cashiers check of XXXX on XXXX, XXXX XXXX. An investigation was launched XXXX, XXXX XXXX. I was told by the lead investigator XXXX it will take 7-14 business days. Its been 16 business days since investigation launched. Both my cashiers have been cleared and available in the account. First {$60000.00} was available XX/XX/2023. The other {$60000.00} was available XX/XX/2023. All funds have been verified and received and still no update on having access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
American Express is a debt collector and they are breaking the law. Every month I get an envelope with their logo on it. Claiming to be a statement but in actuality, it is a bill. They have broken the law more times than I can count and each time is a violation and is causing me mental distress. Pursuant to 15 U.S. Code 1692f ( 8 ) : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with explanation