BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with INNOVIS, XXXX XXXX, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023, attempted to open a new small business checking account at the XXXX, VA branch located on XXXX XXXX XXXX. During the account opening process, I was met by the branch manager and a second customer services representative. After providing my EIN number and identification to open sole proprietorship account, the branch manager became defensive and abruptly left in order for the customer service representative to assist. The branch manager also indicated that I would receive the necessary disclosure and account opening documents on Wednesday, XX/XX/XXXX, which I would be required to sign and return via email. However, despite multiple inquiries, I have not received any correspondence from the branch manager or the representative. I am of belief and suspicion that this stonewalling is a result of XXXX discrimination.

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 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking business account was closed by Bank of America in XX/XX/2022 for an amount of {$9500.00} and as of XX/XX/XXXX I still have not received the funds that correspond to me. I have called the bank many times and the only information they give me is that my funds are being verified. At the time of closing the account, the bank told me that in 7 business days they would send a check to my address, 10 months have passed and I still don't have my money.

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 2022-03-23
Company: Esusu, Inc.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Esusu, also known as XXXX XXXX XXXX, is a business headquartered at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX New York XXXX. They are a foreign company but operating in the USA. 

Esusu is a company that reports monthly rental apartment payments to the credit bureaus, therefore affecting Consumers credit scores. They often report to the wrong Consumer 's credit report and those Consumers need to be able to reach Esusu to clear up Esusu 's mistakes.

I have tried to communicate with Esusu by phone but their phone lines disconnect after a brief message. I reached out to them by email and they replied that they do not accept phone calls. ( Please see the attached email thread and please take note that my email to them was at XXXX XX/XX/XXXX, not XXXX on the XXXX as their email thread implies ). 

There are many elderly individuals who do not have the ability to use computers and send emails. I believe Esusu is in violation of certain consumer protection laws by not being available by phone while being a company that reports to the credit bureaus. I believe they also need to have a valid phone number to hold a business license. 

I plan to also submit this complaint to other government agencies where applicable, such as the New York State XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} 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 2023-05-07
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a cr card for the XXXX XXXX XXXX catalog. I was assessed a late fee. Customer Service EXCUSED the {$37.00} late fee. No balance. Comenity Bank was acquired by Bread Financial. They started to bill the late fee plus interest, even after I closed the account. I sent 3 messages about this. They call me day and night3 times this week while on vacationasleep in our hotel. Texting. Its harassment. I do not owe the late fee plus interest : {$46.00} I suffer migraines at age XXXX. 
I need my sleep. 
Please make them stop. 
The fee was excused!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently release from prison and reviewed my credit report and notice that there were collections that I am not responsible for. I am a victim of idenity theft. I have attempted to reach collection company and have not recieved a return phone call. I made a effort to call on XX/XX/2021. Below is a copy of the collection and information. 

AFNI, INC. 
Original creditor : XXXX {$350.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$350.00} {$350.00} Payment Info Original balance {$350.00} Balance {$350.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX XXXX internal collection department Status date XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 2023-06-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to the following accounts on credit report : 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 2017-05-04
Company: Experian Information Solutions 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:
Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since   XXXX    . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a   XXXX   XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2022 I sent a notice of fault and opportunity to cure letter to XXXX XXXX informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.

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 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
On XX/XX/XXXX, we paid {$3200.00} for an outboard motor which we never received. We tried calling merchant, but he never answered our calls. On XX/XX/XXXX, we filed a fraud dispute and was advised to cancel that card and get a new card. Which we did. 
Our dispute was denied in XXXX. I called to see why. They said I had to file a billing dispute. So, during that phone call, I filed a billing dispute. 
We hadnt heard anything from the credit card company, so I called to inquire. Apparently the dispute I filed on the phone in XXXX was never recorded. I was told to do it again, as I did on that phone call. 
On XX/XX/XXXX, I called again and was told to fax in the receipt and explain the situation again. So, I faxed them all the info on XX/XX/XXXX. 
I called every week after I had sent the fax, and was told its in progress. 
Today, XX/XX/XXXX, I called and found out it was denied again because the time frame ran out. I have done my due diligence following through on this claim. I have made it a point to call consistently. {$3200.00} is a lot of money. We use our credit cards with the understanding that they are there to protect the consumer from things like this. It was the credit card company that let the time frame run out.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX late open 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 2023-12-19
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite my efforts and the acknowledgment of fraudulent activity by other credit bureaus, the presence of the fraudulent account on my report managed by your agency continues to impede my ability to achieve a fair credit score. It is annoying that your bureau failed to investigate thoroughly as what other bureaus had done. Why are you still reporting this account? This should be removed already as what other bureaus have executed. 
XXXX XXXX XXXX PLEASE DELETE!!!! XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Other credit reporting agencies have promptly and responsibly addressed this matter, and the fraudulent account in question has been successfully removed from their reports. It is beyond my comprehension why your agency has failed to take similar action. 
This lingering issue is not only detrimental to my financial well-being but also reflects poorly on your organization 's commitment to accuracy and consumer protection. I demand an immediate and thorough investigation into this matter, and I insist that you take prompt action to remove the fraudulent account from my credit report.

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 2023-11-20
Company: The Receivable Management Services LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a debt with The Receivable Management. I have received multiple calls disregarding the XXXX law.

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 2023-04-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I received my escrow analysis from Wells Fargo via mail and it stated I was short {$3000.00}. I was shocked to see such a high number. Upon reviewing further into the documents mailed to me regarding my escrow account- I noted that in XXXX XXXX my home insurance premium was paid as it usually XXXX when I renew with XXXX. However, I noticed in XXXX XXXX Wells Fargo paid a second home insurance premium to a policy that was not mine in the about of {$2600.00}, also to statefarm. I have been for weeks now trying to get this money/refund back into my escrow account so it's not short. I need it back. Wells Fargo has no answers on how this happened. They didn't even believe me at first when I was trying to tell them that second policy was not mine. And I still have no reimbursement.

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 2017-05-04
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:
Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since   XXXX  . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a   XXXX   XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2017-05-04
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX i visited XXXX XXXX in XXXX Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of 11 times. Which drastically lowered my credit score! Reading FCRA it states automobile inqiries within a 14 day period shall count as 1. XXXX, XXXX  and eqifax are all reporting each individual inquiry, which in turn harmed my credit score. I have already filed complaint against the dealership for going against my wishes. The time between XX/XX/XXXX to XX/XX/XXXX my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts does no belong to me and Ive been a victim of identity theft

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