BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and Equifax both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX  has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank : Bank of America Account Number : XXXX Closure Department Phone Number : XXXX XXXX XXXX My phone number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ( XXXX : XXXX ) Account has been closed 4 months ago in undue manner and I have been asking for the reason but bank only gives me ambiguous answer. 

In fact bank by mistake did not close my account and had been receiving money. 
For 4 months time I have been trying to withdraw {$2500.00}, and after that 4 weeks ago this account has received {$29000.00} and for last 3 weeks I have been trying to withdraw {$31000.00} without any success. 

Every day bank says ( I called them everyday and visit to branch ) same story " they are assessing or reviewing '' Bank has not rights to withhold my money like this

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 2023-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX Bank of America appears to have had a data breech which I feel publicly they are not disclosing full details their XXXX system seems to have been hacked which they never fully addressed by I had a checking account opened in my name that same day and was told it was done online and ssn was used. I got an email alert of a new account opening I called promptly that day to their fraud team advised how it was opened and it would be closed. The account is still open

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 2018-02-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. 

Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something 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 2020-09-16
Company: Filo Mortgage, L.L.C.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/20 - Initial Contact with XXXX of Filo Mortgage asking for a quote XX/XX/20 - Underwriting, this step took ages with a lack of response from XXXX Mortgage on multiple occassions XX/XX/20 - Closing begins, Filo sends documents with incorrect closing fees and takes a few days to fix the issue. 
XX/XX/20 - XXXX XXXX signed in AZ, Filo to coordinate signing with title company and XXXX XXXX in CA ; XXXX wires closing costs from XXXX account to XXXX ( title company ) which posts the next day XX/XX/20 - Filo reschedules, multiple contacts from XXXX asking about rescheduling with no response XX/XX/20 - Closing coordinator reaches out to XXXX and says title is having issues and won't be able to move forward ; advises to reach out to XXXX for more information XX/XX/20 - XXXX reaches out to XXXX, no response XX/XX/20 - XXXX reaches out to XXXX, no response XX/XX/20 - XXXX XXXX XXXX at XXXX. XXXX places XXXX on hold and tries for XXXX. Rep advises XXXX is with another customer and will contact XXXX tomorrow. 
XX/XX/20 - No contact XX/XX/20 - XXXX calls Filo at XXXX. XXXX places XXXX on hold and transfers to someone named XXXX which goes straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2021 I contacted TransUnion to remove inaccurate address on my credit report.The information is still 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 explanation
Consumer complaint received 2023-09-04
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: Old information reappears or never goes away

Complaint:
I contacted all three credit bureaus to have old and closed information removed with no response. The closed accounts that need to be removed are two from University 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 2023-12-14
Company: Fig Tech Inc.
State: FL
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:
I am writing to bring to your attention a matter of significant concern regarding the conduct of Fig Loans Texas LLC, a financial services company. It has come to my attention that Fig Loans Texas LLC has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe Fig Loans Texas LLC has violated, in conjunction with related CFR sections, are as follows : 5 USC 552a- The Privacy Act of 1974 : Fig Loans Texas LLC, in its handling of my personal information, has failed to adhere to the provisions outlined in 5 USC 552a, which outlines the conditions under which personal information may be disclosed and the rights of individuals to access and amend their records.

5 USC 552b- The Government in the XXXX XXXX : Fig Loans Texas LLC actions appear to contravene the provisions of 5 USC 552b, which governs the openness of agency meetings and the disclosure of information. I assert that Fig Loans Texas LLC lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : Fig Loans Texas LLC XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding Fig Loans Texas LLC data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by Fig Loans Texas LLC and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. I have contacted the companies and the actions were initiated without any proof of the companies reporting. The inquiries are not factual since I never authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
DEAR CONSUMER PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE EMAIL REQUEST ABOUT XXXX HAVING DELAY PROBLEM ISSUES WITH BANK OF AMERICAN NOT DEPOSITED MOBILE CHECK RECENT DEPOSIT IN THE PURCHASE AMOUNT XXXX DOLLARS SO I RECENT DEPOSIT MOBILE CHECK DEPOSIT INTO MY ONLINE BANK OF AMERICAN ACCOUNT THEY RECENT CREDIT CHECK CLEAR AMOUNT INTI MY BANK OF AMERICAN CHECKING ACCOUNT WITHOUT OVER DRAFT PROTECTION SO BANK OF AMERICAN CREDIT THE XXXX CHECK ENCLOSE FUNDS INTO MY CHECKING ACCOUNT THEN THEY WITHDRAW RETURN THE FUNDS BACK FROM MY CHECKING ACCOUNT I HAVE ON FILE RECORD STATUS WITH THEM BANK OF AMERICAN CUSTOMER SERVICES CALL CENTER NUMBER XXXX SO THE BANK OF AMERICAN CONSUMER CUSTOMER HAS SENT BANK OF AMERICAN CORPORATE OFFICE SOMETHING IN WRITING ABOUT THE BANK CUSTOMER AGREEMENT TO CLOSE HIS CHECKING ACCOUNT WITH BANK OF AMERICAN BECAUSE BANK OF AMERICAN HAS VIOLATED MY RIGHT MORE THAT ONE TIME WHEN ITS COME TO ACCOUNTING FINANCIAL PERSONAL NEEDS SO AFTER BANK OF AMERICAN REFUSE TO CREDIT FUNDS BACK INTO MY PERSONAL CHECKING ACCOUNT I CONTACTED THE CLAIMS DEPT DIRECTLY THEY ASLO REFUSE TO HELP ME AS WELL I DID CONTACT FDIC ABOUT CHECKING ACCOUNT INSURANCE POLICY ON WHEN U BORROW LEND AGAIN YOUR CHECKING ACCOUNT POLICY IN STANDING SO I RECENT DEPOSIT 3 PERSONAL CHECKS INTO MY BANK OF AMERICAN CHECKING ACCOUNT BANK OF AMERICAN ARE REFUSING TO RELEASE MY FUNDS INTO MY PERSONAL CHECKING ACCOUNT IM DONE DOING BUSINESS WITH BANK OF AMERICAN THIS TIME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: SC
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:
it been over 60 days and two tries and nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: GOLDMAN SACHS BANK USA
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:
I made a purchase on XXXX on XX/XX/2020 for a project that was funded called XXXX XXXX  made by XXXX. The transaction was {$180.00} and after a short period of time, I got an email from them that I can choose add-ons to the masks I paid for that I paid on XX/XX/2020 for {$71.00} for it. 
I have contacted XXXX regarding refunds and they denied that they ever promised a deliver on XX/XX/2020 and they told me they will be shipped on XXXX of XXXX. Ever since then I have been contacting Apple Card support with Goldman Sachs and they been putting my dispute through and every time it getting resolved against me stating you made the purchase. 
I told them many times that I did made the purchase but the seller never delivered and they denied me refund and they still after almost 8 months of delay have not send the items to me. 
If you would look at XXXX page of XXXX XXXX, you will see hundreds of comments of angry people like myself that paid hundreds and in some cases thousands of Dollars and non of them received their items. And that is because this company is committing a fraud and protecting themselves behind XXXX policy. XXXX legally is the company who collects the money and credit card companies go after them and not the scammers who XXXX pays the money to. 
This issue have taken 7-8 months of my time and at this point, there is zero chance of me letting it go and Apple Card Goldman Sachs finally sent me 2 letters with copies of privacy policy and terms and condition of XXXX as a reason of no refund. 
I have never had this issue with any other credit card company and I am deeply disappointed and dissatisfied of their service and I had to submit my complaint to you so perhaps you can help me get my rightful refund. 
Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
it been over 60 days and two tries and nothing

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 2019-08-03
Company: CL Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dates : Every 30 days, every month Amounts : $ XXXX- {$1200.00} Collections agencies are reporting accounts as " late payments '' on a monthly basis in violation of FRCA 611 ( a ). 
I have attempted to file disputes with the bureaus but the response is that the accounts are in compliance with FCRA and i'm not sure what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Date Applied : XX/XX/XXXX Promotional Bonus : {$1000.00} cashback after {$4000.00} in 3 months ( promo was pulled back on XX/XX/XXXX ) I applied to BBVA XXXX credit card on XXXX but it took 60 days for them to tell me that BBVA made a procedural error and my application was canceled. I was initially told that it will take 5~7 business days to get the decision. I kept calling BBVA multiple times to follow up with my application status after the waiting period passed but the bank kept telling me it is pending due to heavy volume of application. In the meantime, other applicants heard back within 10 days. 4 weeks later, I called the banker that I worked with and he requested for my DL and SSN since bank had to verify my information. I sent the documents on XXXX but received no call back until I called the banker back on XXXX. He said my application was canceled not due to my credit history but because of BBVA 's procedural error. One of the departments claimed that they did not receive my DL and SSN. The banker admitted that it was BBVA 's fault so told he would contact his credit specialist to reconsider my application but no call from him for 3 weeks. The application left a hard inquiry on my credit history but BBVA has not fulfilled its part as a credit card issuer for making procedural error. 
I filed complaint through BBB but BBVA 's response was my application date is XX/XX/XXXX which I never would have applied since the promotional offer had been expired at that time. BBVA claimed it sent a letter regarding the denial but I did not receive anything. There is literally zero communication with the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recent pulled my credit report to find that LVNV Funding was listed as a collections with all 3 bureaus. I havent received and paperwork or phone calls from this company regarding any balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 response to consumer: Closed with non-monetary relief