BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( XXXX data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet XXXX, XXXX, and Transunion dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct 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 non-monetary relief
Consumer complaint received 2021-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/2021 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX TO : Inspector General Dear Sir : This letter is to inform your office that over the last 5 years Bank of American has failed to address our concerns in writing therefore, we are asking for an investigation over our new allegations ( theft of funds ). 
Bank of America refuses to help us refinance our home after we owed less than {$40000.00} XXXX dollars on our home loan. Due to covi-19 we lost part of wages and now were heavily in debt to our creditors. We have had a history with Bank of America for over 29 years. WE have never missed our mortgage note. I have worked at the same job for over 29 years. But Bank of America has no heart in helping people near are around the XXXX. XXXX XXXX with certain zip codes. 
After find a lender to pay off our mortgage with Bank of America there was an over payment. We are requesting that you investigate whey Bank of America refuses to give us back the money in our escrow account since they are no longer the lender. Also it was an over payment to them for the pay off on the house as well. 
Bank of America will not give us our refund back therefore, we need your office to investigate whey this Bank thinks they can steal our money. 
-New Lender XXXX XXXX pay off -- -- -- -- -- XX/XX/2021 Over payment -- -- -- -- -- -- -- -- -- - Escrow account {$1100.00} Pay-off to Bank of America by XXXX XXXX  -- - {$40000.00} We owed Bank of America about {$38000.00} ( account number XXXX ) So, we want our refund from Bank of America now. 
Thank you Sincerely yours 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 monetary relief
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank Of America Charge me overdraft back to back on transaction could be ovoid by declining payment by putting my interest first and not bank is greed to charge me {$35.00} overdraft each time. Because I was out of country and didnt have any way to deposit more money has transactions I didnt expect and thought was set to another count came through. And bank charged me {$12.00} and overdraft from the charge. 
Total I have 3 overdraft. I called and from customer services asked to talk a supervisor ( XXXX XXXX XXXX contact center ). XXXX refunded only the {$12.00} and overdraft from it XXXX stated that the bank will not refund any other overdraft. 

The bank didnt have to pay petty transaction such XXXX the charges could be rejected because the count was overdraft already for many days. ( I was out of country and unable to make deposit, {$12.00}, {$24.00}, and charge me each time {$35.00} overdraft. XXXX charges came through the wrong count he wasn't supposed to be bank of america. The charges were from another state which can show I was out of state. Bank refused any understanding or accept any reversal of XXXX charge. XXXX charge could be rejected, or overdraft charged next day after messages sent and courtesy wait time for deposit. Bank of America didnt do any. Bank of America just wants me to pay them {$130.00} overdraft they charged me. 
They said they will reverse only their monthly fee, and overdraft from the monthly fee, shouldnt be charge in first place. I requested XXXX charge/overdraft but they refused. 
I asked to talk to XXXX is supervisor, and got disconnected by accidently. 

When I called back XXXX ID XXXX customer services from Texas center was rude, aggressive. I repeatedly asked to talk with her supervisor she kept coming back in the line telling me that they dont have any supervisor available and I can wait if want. I kept telling her that I am, she kept trying to discuss the situation, telling me that theres nothing can be done and the bank will not reverse the fees. 
She was so rude and aggressive that I end up telling her that I really dont want to talk to her and been waiting for her supervisor, and that if she cant put me through her supervisor to transfer me back to XXXX XXXX. 
I waited for at 20mm before a supervisor finally came. 
XXXX XXXX supervisor, told me that there's none can be done and I have to pay the charges. Bank have right to charge this. 
That is not helping the customer, it to create hardship for the customer.

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 2023-08-13
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is in regard to the funds held in the XXXX. XXXX XXXX XXXX account that Frost bank, located at XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX, is currently withholding from the rightfully entitled family members. The bank phone number is XXXX. Since XXXX, XXXX, myself, and all directly involved family members, have attempted to obtain the funds held in the above listed account. Over a period of three years and eleven months, we have been unable to close the account and withdraw the funds. Myself and my sister, have visited, and contacted, the bank numerous times and the issue still remains unresolved. There are also two attorneys involved and they have also been unable to acquire our funds. 

My grandfather opened the Trust Fund account for my aunt decades ago. The account was established for his daughter, who had XXXX, and was unable to care for herself. My grandfather passed away on XX/XX/XXXX and the account was managed by my mother until her passing on XX/XX/XXXX. My aunt, for whom the account was established, passed away on XX/XX/XXXX. 

With the passing of my aunt in XXXX, there are a total of four of her relatives who are entitled to the funds in the XXXX. XXXX XXXX XXXX account that Frost bank has been withholding from us. 

After multiple attempts, we have been unable to receive any action, or resolution, in regard to releasing the funds in the account held by Frost bank in XXXX XXXX, Texas. These monies rightfully, and legally, belong to the above family members and after numerous attempts, over a period of three years and eleven months, Frost bank continues to withhold, and refuses to release, the funds held in the XXXX. XXXX XXXX to the rightfully entitled family members. The four of us involved need to know exactly what we need to do to have the funds in the account released to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: NY
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:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX  data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an 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 2023-04-28
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: SYNCHRONY FINANCIAL
State: TX
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: Problem with product or service terms changing

Complaint:
Was informed by the creditor that XXXX closed one of my credit cards that was in good standing, never made a late payment and the balanced was paid. Was not given notice or the choice to decide to close the account or not. I did not want my account closed. 

Called the creditor they stated that XXXX decided to close the account. Called XXXX and they said they can not make those decisions. The creditor did not give a reason to close the account other than it was XXXX. No legitimate reason was given to close this account that was in good standing.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX Appointments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Property Tax : Account : XXXX Environmental Health Department ( Reported Noise/Trash/Employee Harassment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Phone XXXX XXXX See Copies XXXX XXXX XXXX on XX/XX/XXXX rental assistance {$750.00}. 
ERAP Support ( ERAP XXXX XXXX, Texas {$8600.00} ( + ) rental assistance. 
Good Morning, XXXX Welcome to XXXX XXXX 's Emergency Rental Assistance Program XXXX XXXX is committed to accessibility for all applicants. If you require this material in an alternate format or have questions about the program, please contact us at XXXX. 

ERAP Awards ID Name Program Year Approved Action XXXX XXXX Tenant Rental & Utility Assistance XXXX {$12000.00} Start a New Application Application Name Description Action Landlord Rental Assistance Select this option if you are a LANDLORD in XXXX XXXX applying for the Rent and Utility Assistance Program.

Landlord ________________________________________ Id Name/Address Status TenantDetails TenantDetails TenantDetails XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Landlord Non-Responsive/Opted Out Regarding the above property the rent was being paid by XXXX XXXX covid-19 funding, local charity , and myself. XXXX was misappropriating funds. On XX/XX/XXXX cc # XXXX for {$1200.00} was never applied to rent along with {$150.00} deposit, funding was being allocated to other charges and not rent. Thereby depleting the allocated funds specifically for rent by XXXX XXXX, property manager ( XXXX ) XXXX and XXXX XXXX, assistant manager. 
The property manager opted to pursue an illegal eviction on XX/XX/XXXX after she opted out of receiving county funds XX/XX/XXXX then filed an eviction for XX/XX/XXXX. The last date in the apartment XX/XX/XXXX. Verify via XXXX at XXXX also on my credit report. 
The manager of the property opted out of covid-19 funding and their attorney stated, the property did not want funding from XXXX XXXX anymore and sent the rent for XX/XX/XXXX back to the county to give the appearance the rent was not being paid but in reality rent was over paid. Please see all attached documentation correspondence.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX  XXXX Late Payment Account XXXX XXXX   XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 



I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 



I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 



Thank you for your prompt attention to this matter. 



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 2023-10-17
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as previded in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Company: TransferWise Ltd
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To : Consumer Financial Protection Bureau I hope this letter finds you well. I am writing to bring to your attention an unusual situation that has recently arisen with my checking account bank ( Wise ). After months of planning my upcoming trip, I received notification from this other bank that my account and routing numbers have been changed, with only two weeks remaining before my departure. Have you heard of such a thing? 
Given the proximity of my trip, I am concerned about the timing of these changes and whether they will take effect before my next direct deposit. I find this situation to be rather bizarre and unexpected. 
I will be traveling between XXXX XXXX XXXX. I may need to use my Wise Debt Card. 
Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation