BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Merrill Lynch still refuses to give me my money and just on XXXX XXXX i called them and they said a check was sent on XXXX XXXX then i calley again on the XXXX and they said they sent it to XXXX still not true they are holding my funds because of the situation with the check cashing place which has nothing to do with them the check cashing place has their money so that's all XXXX. XXXX paid XXXX and sent my funds to them those are my funds, i'm not doing anything fraudently, the i spoke with XXXX and they told me all the dates the check cashing place was calling and pretending to be me I even tried to put a stop payment on the check but it was already paid to Merrill lynch and they have not sent anything back to them and how would they know about the check cashing place and what they are assuming what happen anyway thats because the check cashing place was upset when i changed my mind due to their high fees not posted in their place of business.I don't owe no one anything i never got my money and i been waiting since XX/XX/2023, they are making false reports of fraud and closed my account listening to the lies of that check cashing place that i have filed a complaint against as well next it will be a law suit, the check cashing place deposited two different remote deposits of the same check on different dates the first date was XX/XX/XXXX and it came back on XX/XX/XXXX then they did it again and it came back on XX/XX/XXXX so why would they give money up if it already bounced cause they didn't not to me so i want my money from XXXX cause XXXX does not have it.The check cashing place was trying to make me cash that check there but their fees were too high and i only learned that it was illegal for them to charge that the next day. I would appreciate it if merrill lynch would stop being rude to me cause i want my money and to stop telling me different lies cause they are trying to keep 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 explanation
Consumer complaint received 2023-04-12
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 just received new credit reports from XXXX, XXXX and Transunion. All 3 have inquiries that I did not authorize. I have called some of the companies and they told me to get with the CRAs to remove them. The CRAs are neglecting to remove the inquiries, stating that they are Factual. If they are factual show me my ohisical signature authorizing each of those companies to review my credit file.

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 2023-03-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had my Wells Fargo account years ago and they kept charging over drft fees even if there was money in the account. Well I closed the back and I just saw something about there being a settlement for them and wanted to make sure I wasn't part of the once that where effected and needed to receive compensation for it

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 2023-04-12
Company: EQUIFAX, 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: HW Holding, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my right.

15 USC 1681 section 602 States in have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer report agency can not furnish an account without my written instructions 15 USC 1666B : A credit may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 found an inaccurate account on 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 non-monetary relief
Consumer complaint received 2024-01-10
Company: EQUITY LOANS LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My taxes have been reassessed for the new year as the house is a new construction. My taxes dropped by {$5300.00} a year. The old tax amount was {$13000.00} and the new tax amount is {$8600.00} and EPM Mortgage company has submitted that my new taxes are {$19000.00} a year. I have requested for EPM to view the tax documents received from the town and to update our tax amount. This has been ongoing since XXXX. Everytime I call EPM no one knows what they are talking about. They have raised my monthly mortgage payment well over {$5.00}, ooo when it should in fact be a lot lower than what I was originally paying since my taxes went down about {$5300.00} a year. I've requested multiple escrow analysis and updates to our tax amounts. Nothing has been done to correct this issue.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: KY
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY 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 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 2023-03-17
Company: SECURITY FINANCE CORP
State: TN
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:
My name is XXXX XXXX XXXX, a natural woman and consumer. I am submitting this complaint on my behalf without any influence from any third party or agency. It has come to my attention after reviewing my consumer report that Security Finance is furnishing an account XXXX opened XX/XX/XXXX as charged-off with a balance of {$560.00} and date last active XX/XX/XXXX ; which is a debt that has been discharged/cancelled as a tax write off. After contacting the IRS they explained that it was illegal for reporting of this information to my credit report without providing a 1099C-Cancellation of Debt. This is called tax fraud upon the IRS and I will be reporting such scheme. The IRS directed me to file form 3949a for illegal tax violations upon Security Finance company. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. I demand Security Finance to remove this item from my consumer report and send the 1099-c so I can audit it to make sure you are in compliance. Security Finance violated the FCRA 15 USC 1681e ( b ) for reporting information thats not 100 % accurate as well as 15 USC 1681a ( 2 ) ( A ) ( i ) ( ii ) ( iii ) for information that's considered exclusion from consumer reporting. Security Finance is in violation of the FTC/GRAMM-LEACH-BLILEY ACT for furnishing my nonpublic information without my consent and giving me the material disclosure to opt-out of the sharing my nonpublic information to third parties. Security Finance is also in violation of 26 USC 6050P. Per HJR 192 Public Law 73-10, I am aware that every obligations shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. My family and I have suffered great financial burdens due to Security Finance reporting income as debt to my consumer report. This is a direct defamation of character. This is an attempt to correct the record and notice of this account is disputed and statements of account is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Citibank closed my checking account ( and that of my wife ) back in XXXX and we were told that they would send us a check for the account balance. Finally after almost 3 months, we received a check for each account but in total there was almost {$7000.00} missing from the payment. ( closing balance was {$25000.00} - amount received from the bank {$21000.00} ) My account was short by over {$4000.00} and my wife 's was short by about {$2500.00}. I immediately went to the branch to inform them of the shortage and they confirmed that the closing balance was in fact more than what was returned by Citibank. XXXX ( customer support manager ) asked for a few days to contact the bank 's internal team and that she would get back but despite a half-dozen visits and phone calls, they still have no information. 

I again visited the branch today and again they told me that they don't know why the discrepancy and that I should give them another couple of months! This is NOT a small amount of money to me and my family and now as a result of being without my money, I am late on almost all of my payments and have to pay interest on over $ XXXX in credit cards with a 29.9 % interest rate! PLEASE help me get to the bottom og this because i am not flirting with bankruptcy and can no longer afford my rent or kids ' school. 

I am in shock that a bank can be so callous as to what this is doing to my family and I simply do not have the resources to hire an attorney over something like this. I am BEGGING you to help me out because by life is slowly coming apart because of my financial situation. I recently also lost my job and this situation is ruining my family and our future. The citibank case number is : XXXX XXXX I have no idea where to turn but am praying that someone can help me fix this and begging the bank to do the right thing. You may contact me anytime at XXXX for additional information on this situation. 

Thanks in advance, XXXX XXXX XXXX XXXX Attached please find a copy of the check that was sent to me and the final statement showing a different amount than the check XXXX XXXX XXXX XXXX I am also including a photo of the check they sent to my wife which is also short as her balance was about {$6000.00}. Thank you so much for your help here because I am really in bad shape and the interest alone on my accounts is killing me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Dispute amt of XXXX from XXXX XXXX XXXX that would not fix repair on my car, cancelled the service in timeframe and Capital one added the charges back on my account twice with no repsone either time from the disputed company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 have been contacting XXXX and Experian on multiple occasions all year about these inquiries, and negative accounts thats on my account that was included in my XXXX  XXXX bankruptcy. I have sent in my police report, dispute letters, my drivers license, social security card, etc they have yet to remove anything. XXXX told me they dont think its me sending in the documents and for that they wont remove anything. This is violating my consumer rights. I have also made a complaint with FRC.GOV the report number is XXXX. I would like for XXXX and Experian to grant my request and remove all inquiries and negative accounts from my credit report. I told XXXX  XXXX bankruptcy I shouldnt have any negative accounts on my reports. Or inquiries, as I state these inquiries were not made by me. If anyone think otherwise please provide me a copy of my written signature.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.

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 2023-03-17
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$6800.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and LVNV Funding is listed as the creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. XXXX  ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
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:
I have an address showing on my credit report which Ive never lived at. Ive contacted Experian multiple times by phone, by letter asking them to remove these addresses cause Ive never lived there. 

This is causing me to fail security verifications cause Ive never lived at this address which they refuse to remove. Ive called the said companies that they said reported the address to them which they said the received from post off post office said they never submitted this address or had an address change for me. 

Those address are XXXX XXXX XXXX XXXX, IL XXXX Ive never lived here at all ; this address is fraudulent. 

XXXX XXXX  XXXX XXXX, IL XXXX is no longer associated with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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