BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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/19, I issued a check to a contractor, XXXX XXXX in the amount of {$2900.00} from my Bank of America ( BA ) checking acct. in payment for some home improvements. In reviewing my online acct., I saw that BA processed the check for only {$29.00} which was {$2800.00} less than it should have processed. In speaking with the BA customer service dept. it was confirmed an error had been made by BA. I asked how long it would take to correct it and I was informed that it would take a while to research ( not the exact words ). Not wanting to delay payment to the contractor, I asked if I could let the {$29.00} debit to my account stand and charge the remaining {$2800.00} due to the contractor on my BA Cash Rewards credit card. The customer service rep. I spoke with said, " you can do that. '' I also knew in using the credit card I could obtain cash rewards so this looked like a viable solution. I notified the contractor and charged {$2800.00} using my BA cash rewards cards. Days later, BA made and adjustment and debited my checking account in the amt. of {$2800.00}. So there is a {$2800.00} debit to my checking and a {$2800.00} charge to my credit card. The contractor said that he only received one {$2800.00} payment as he uses an app called XXXX for writing estimates and  customer receipts only and does have an account with XXXX to receive customer payments. I have called BA numerous times ; depending on who I talk to, when I ask how long it will take to have {$2800.00} credited to my credit card account or put back into my checking account, I have heard different answers. I have spoken in person with the BA representative near my home and after he viewed my accounts he said that this is a credit card issue and he gave me a number for the credit card department One rep. said it would take 'two billing ' cycles to resolve this, one said, '30 calendar days ' and the last representative said it would take 120 days to look into the matter. Given the time I've spent waiting and my limited income, I can't afford to wait four months while BA look into the problem. My banking records are available to them. They have the contractor info. On XX/XX/19 I received an email from BA that said they are waiting to receive some information from me before they can proceed. I called and spoke to a representative and informed her that I had not received a request from BA and she said, the request was mailed to you yesterday. '' I asked her " How could BA expect me to respond to a request that they just made the day before? and she replied, '' That is the way they do business. '' Please help!

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 2019-09-17
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with Sterling National Bank on XX/XX/XXXX - I was approved on XX/XX/XXXX I made 4 payments based on the e-mail which is not a legal document waiting for my loan documents to be prepared. After asking every month and keepp hearing we are waiting for the assumption to be done. Which was done already in XXXX and they have all the papers. I was denied after waiting 14 months i was not making payment beciase I did not feel secure sending them money for them to finally turn around and deny me. I now have to file Chapter XXXX bankruptcy in order to keep my house. But the bank Sterling still say they would be willing to give me another modification. I think they just are trying to string me along. My health has siffered becuase of this whole ordeal. I tried calling the bank they wont talk to me they want to talk to either my dead mother or father and state they do not have any documents showing I am on deed when my county does. 

Really messed up bank. I do not know how they can get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2023-08-07
Company: Experian Information Solutions Inc.
State: LA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-28
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: Information belongs to someone else

Complaint:
I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit 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:
XXXX Bank provided me the merchant proof of their response, which did NOT support my {$500.00} charge in XXXX with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX are NOT the same company but clearly, they are working together behind the scenes concocting against me. I signed a contract with XXXX XXXXXXXX XXXX company in XXXX with alleged lawyer XXXX XXXX who was supposed to help me win money back from a previous company I worked with earlier in the year ( XXXX XXXX  ). Again, they reached out to me and offered these " fake '' services. When they ( XXXX XXXX XXXX ) charged my card for lawyer representation and to obtain services ( as outlined in the contract ) I did not expect the charge to read " XXXX XXXX XXXX '' and this seems to be where the confusion lies and they have pulled the wool over your eyes. When I learned that this company was illegitimate, I requested my refund, as per contract. But the proof that was provided has tricked the bank because they have provided some artwork and proof but the fallacy in this is that THIS IS NOT THE SAME COMPANY... AND THE DATES, NAMES, AND COMPANIES DO NOT MATCH. AGAIN, I met XXXX XXXX XXXX XXXX in XX/XX/XXXX. Artwork or not, WHY WOULD XXXXXXXX XXXX ACCEPT ANY ALLEGED PROOF THAT IS 1. BACKDATED TO XX/XX/ ( I NEVER HEARD OF XXXX XXXX XXXX AT THIS TIME AND HAD NO RELATION ), 2. THE EMAILS HAVE NAMES XXXX AND XXXX ENDING IN XXXX XXXX XXXX  NOT " XXXX XXXX' ... ..AGAIN, THESE ARE NOT THE SAME COMPANIES. Although they appear to be working together and against me at this point. XXXXXXXX XXXX appears to as corrupt as these two previous companies if they are actually " investigating '' and failed to acknowledge these key details. Again, the contract from XXXX XXXX XXXX was signed in XX/XX/XXXX XXXX  and the details are NOT about XXXX.. but instead LAWYER REPRESENTATION TO help me get my money back from previous book company ( which happened to be XXXX XXXX  ). Now I am led to believe that XXXX XXXX XXXX is working in corruption with XXXX XXXX XXXX separate bookwriting company that ripped me off in thousands earlier this year ) and XXXX XXXX  ( who is overlooking key facts and details in this case that DOES NOT SUPPORT {$500.00} charge in XX/XX/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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I need paper work to validate the debt I never received contract purchases the whole credit file as I believe this was done bi my wife when I went to jail and I cant prove that in court unless I get the information on my credit file. I am a XXXX customer so the fact that I am not reachable is not valid its an excuse. Please mail me my credit file as I believe this was done fraudulently

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 2023-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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:
Bank of America has charged me {$150000.00} twice ( for a total of {$30000.00} ) for a credit card dispute. Want to note this whole claim started because a BOA employee left my XXXX checking account details in my customer profile and another employee used that information to conducted wheat was by then an unauthorized transaction. This was told to me by BOA employees BOA refuses to provide any info on where the XXXX {$15000.00} went to and also refuses to properly close the claims in a timely manner. This has been happening since XX/XX/2023 ( XXXX  months total ). The original dispute was opened in XXXX and after no action on the dispute for months, BOA charged me twice to close the dispute in XXXX of XXXX  I have called and sent multiple letters. BOA even refuses to give the correct balance of the account to all credit reporting agencies and is stating my balance is XXXX over its {$29000.00} limit on credit reports My credit score has gone down XXXX points. I have never made a late or missed payment in my 17 years of credit history. My lines of credit for my small business have been dashed along with limits on personal credit cards due to Bank of America 's negligence.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company recently sent me a letter stating my balance owed is {$0.00} but the account is reflecting that I owe {$15000.00} on my consumer report. There is obviously a discrepancy between the company and the reporting agencies which appears to result in erroneous/inaccurate information being reported on my consumer 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 2023-05-06
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-03-12
Company: National Credit Systems,Inc.
State: TN
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:
15 USC 1681 Section 602 States I have the to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: NC
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2023, I mailed a letter to stop billing and membership from Experian credit reporting services. 
XX/XX/2023 Experian debted my XXXX XXXX card. 
On XX/XX/XXXX, I called and spoke to a representative of Experian. My membership was canceled and I was issued a refund. The refund was said to come in 5 days it has been 7 days since the refund was said to be issued. 

I currently have a civil suit in progress against Experian for the neglect of my personal information that caused. 
CFPB Complaint : XXXX, XXXX XXXX has also been involved in the above-mentioned complaints.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-02-28
Company: Experian Information Solutions Inc.
State: AK
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:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last XXXX or so dollars was turned back over to the State through the Alaska XXXX XXXX XXXX XXXX XXXX to satisfy the remanding balance of the loan. The Alaska XXXX XXXX XXXX XXXX sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska XXXX XXXX XXXX XXXX regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska XXXX XXXX XXXX XXXX stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.

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