BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charged a monthly checking fee when the required amount of withdrawals/deposits were made.

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 2023-10-18
Company: EQUIFAX, INC.
State: NY
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:
PLEASE REMOVE THESE INQUIRIES 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 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I created a 2nd checking account with Bank of America some months back to allocate funds for vacation. I had planned on ordering and using a debit card for this account for use while my wife and I were out of the country, on a cruise. 

About 2 weeks before our trip ( XX/XX/XXXX  ), Bank of America sent me an email informing me " bill pay '' had been disabled for this account. No ther explanation at that time. 

In preparation for the cruise, I discovered DEBIT cards weren't accepted as a card on file, so I planned to just use my BOA CREDIT card and transfer funds from the checking account in question to cover the balance when we returned home. 

When we returned home, I attempted to transfer the funds and was denied. It is at this point I discovered my checking account was " under review ''.

It has been 15 business days now and my funds are still frozen. I have now incurred interest on my credit card balance I would have otherwise been able to pay off completely had this " review '' not taken place. I had exactly {$2000.00} in this account for vacation. The bank still deducted a {$4.00} maintenance fee after XX/XX/XXXX, although I can not pay my own bills with this money I've been saving for MONTHS. 

This was HIGHLY disruptive to our plans, and there has been no resolution despite multiple attempts and calls.

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 2020-08-13
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis was contacted requesting back up documentation on a bankruptcy they are reporting to credit bureaus, they have yet to provide the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Choice Recovery, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, and CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with XXXX  2 credit reporting. I have evidence to prove my case

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 2020-08-13
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX, XXXX, and ALLY FINCL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and ALLY FINCL with no successful resolution. There was definitely an error on their part.

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 2021-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At this time, I am offering a settlement to the XXXX XXXX debt purchased by Portfolio Recovers Associates, LLC in 2018. I lost thousands of dollars from the Covid-19 shut down, and I am just getting back to work. I ask Portfolio Recovery Associates, LLC to accept as a one-time settlement {$1700.00} of the current balance of {$4400.00}. However, I want it stipulated that I believe XXXX XXXX XXXX XXXX. never gave a full contractual agreement of this debt in question, and that I could with the right lawyer end up with the debt being dismissed altogether. A purchased debt agreement can not be back-dated under any circumstances, and that would be within federal restrictions under the Fair Debt Collection Practices Act. However, if I receive a verbal acceptance of my settlement offer within a reasonable time period, I will waive any rights I maintain to legally challenge the validity of the Portfolio Recovery Associates, LLC claim. My phone number is posted in this CFPB request to monitor Portfolio Recovery Associates adherence to FCRA and FDCPA requirements on the collection of debt, and the CFPB constant research into the voluminous fraudulent activity into what the Federal Trade Commission consider zombie debt collections. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: TX
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'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tails of. Please view the item below. XXXX XXXX XXXX Account XXXX XXXX Date of last activity has been re aged. And 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 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 under 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 was removed by XXXX and place right back after the original creditor didnt respond within the 30 days XXXX placed it right back on my credit profile. The data furnisher did not respond to the request for investigation and the disputed account was removed from your credit report. The result summary was sent to you on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good day I had a second mtg with XXXX XXXX  XXXX of XXXX they transferred the mtg to Greentree servicing in XXXX of XXXX while they ( XXXX  ) were working on a loan modification for me when I was transferred to greentree. greentree told me I would have to start the modification process all over and I would need to be 90 days behind before I could apply for the modification I did that and started the process again at this time they advised me to make XXXX dollar payments every month while they were working on the modification I did this I called to check on the progress every week and wrote to them { via registered mail ) for some response I did not get any response.I talked to a different person every time I called. after many weeks of calls they informed me my mortgage was " charged off " I had no further contact with them and it appears they are no longer in business I tried contacting them as I am trying to refinance my home and they still have a second mortgage recorded on my home can you please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed up for an apple Goldman sachs card. I ordered a XXXX XXXX  soon after in order to get the installments to further build credit. The XXXX XXXX never reached me successfully and the order was to be terminated and refunded. That same day XX/XX/2022 I went into a nearby XXXX  location a purchased a XXXX XXXX. I. Ow am being charged for two XXXX XXXX  and my credit card company is giving me the complete runaround about a simple transaction. I really need assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm sorry but I have to file another complaint against the credit bureaus even though I just filed one last month. I mean seriously guys XXXX! The credit bureaus response to me after letting you know they didn't address my dispute letters since XXXX is to tell me to " Please be specific with your concerns by listing the account names, numbers, and nature of the dispute. '' Is this a joke? And that is only the credit bureau that responded. The other two haven't! I submitted two different letters to each bureau with very specific disputes and concerns. I'm uploading them so you can have proof. This is yet more proof that the credit bureaus are just ignoring me and treating me like some XXXX XXXX. I want these accounts deleted NOW! The credit bureaus already had their 30 days times 3 and almost a fourth time.

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 2021-11-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a collection for XXXX hit my credit on XX/XX/2021 i do not owe this company any money.. 

i want them to remove off my credit report. asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Opened up an account with XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, NY Purchased 2 carry on luggage bags.

Was immediately approved. 
Purchased luggage and 2 other items for a total of {$170.00}.

Card arrived roughly 10 days later. 
Tried activating the however I couldn't. 
Tried calling numerous times and was bounced around from dept to dept. 
Their customer service team is the worst of the worst. 
Turns out the reason why I couldn't activate the card was because it was already used internally by someone in their own office charging items even before my card was activated in the amount of {$140.00} in XXXX CA no less. We have not been to CA in 30 years and have XXXX intention of visiting in the future. 
Tried to resolve this numerous times. Have contacted compliance and the XXXX of XXXX XXXX - crickets. They just don't care. 
Demanded they close my account and they in turn hit us with a late fee even though we have proof payment was made many days before however they intentionally posted it late to shake us down for more money. 
Please help. These people are animals. I have spent many hours worrying about my credit and who has my information and when will it be compromised again. I have stellar credit and am worried about what the future holds in case I try to buy a car or home. Clearly, they don't care about it's customers.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently checked my credit report and noticed some inquiries that I did not authorize. 
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 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 2022-03-29
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am not liable for this debt and I do not have a contract with this company. They have unlawfully placed a collection on my consumer report!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Advanced Resolution Services Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2018, per the FCRA Law, I asked Advanced Resolutions Services Inc. for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

Advanced Resolution Services Inc. didn't respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was not aware of this charge until I opened my credit report to check for something else not related. I have no knowledge of this card being open in XX/XX/2020 from XXXX XXXX XXXX for the amount of {$640.00} I have disputed this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 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.

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 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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 2020-08-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is the second time Citi has not applied my payment. At present I sent my payment on XX/XX/2020. The company still has not posted my payment. They did the same thing las month. They received the check on XX/XX/XXXX, and did not process the check until XX/XX/2020. They keep blaming the post office. However, it is only happening with Cit bank. I am not having problems with other companies. I have spent 25 hours on this problem. The staff is nasty, and they do not return phone calls. and no matter what you say they keep going around in circles. They charge me late fees. Please help. 
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