BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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 have sent several letters to the company Credit Acceptance as well as sent letters to the credit bureaus to have this inaccurate credit reporting stopped and corrected. I have talked with several representatives at Credit Acceptance and I was assured this will be corrected, and it still has not been corrected. I have been disputing this information for the past year and it has not been corrected as of yet. I have sent several letters on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. No response regarding this issue. Phones calls have been made as well. XX/XX/2021, XX/XX/2021, XX/XX/2021.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
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 already contacted the collection agency however I need these items removed

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 2022-10-05
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XXXX XXXX, 2022, with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I have talked to these furnishers and they all agreed to remove the accounts permanently from my file but then Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting these dispute letters and FTC report but they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I need the following accounts DELETED from my file : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX BANK 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 2022-02-02
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
My XXXX XXXX credit card with a XXXX  limit is not being reported by Equifax. As I have not missed any payments on this account their refusal to report this account is adversely affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Veem  Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX, I deposited {$20000.00} to my Veem wallet to make payments for my business. In order to make that deposit, I previously needed to upload a slew of verification documents on or near XX/XX/XXXX, including the front and back of my driver 's license, a selfie of me holding my driver 's license, a bank statement from the debit card where the funds were located from, a copy of my business registration, and a description of my business. On XX/XX/XXXX, I received notice that my account was fully verified and able to be used. 

Around XX/XX/XXXX, I decided that Veem was too cumbersome for my needs compared to a traditional bank so I submitted a request to withdraw my funds back to my business checking account. The attempt to do that seemed to have locked my account, and Veem then required verification of " a credit card statement, '' though no credit card had been used on the account. Furthermore, they told me to upload this information to a location of the interface that does not exist. 

On XX/XX/XXXX, I contacted support to find out how to get the funds released, and their response was : " Upon checking your account, I can see that this has been canceled because this is not the correct manner to withdraw the funds from your Veem wallet. '' The rep then linked to a support page that outlined the exact steps I followed. I resubmitted the withdrawal on the XXXX using the steps in the support document just in case, but they still wouldn't release the funds. On XX/XX/XXXX, they notified me that they needed to verify the statement from my business checking account, even though they already received my verification information digitally when I linked the account with XXXX. They again told me to upload the document to a part of the interface that didn't exist, so I emailed my statement directly to the support rep. By XX/XX/XXXX, I still didn't hear anything, so I called support and they requested *another* copy of my debit card bank statement, even though I had previously provided it to them. 

At this point, they have still not approved the transaction and released the funds even though they have all of the statements and documentation for both the source and the destination account, verification that I have the username and password for the destination account through XXXX, my ID, my business registration, and my business information. There's literally nothing else left for them to verify, and no traditional bank would even require this level of verification for a pretty basic transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Re : Inaccurate account on credit bureaus : Bank of America XXXX To : XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX To : XXXX  To : XXXX  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see with my own eyes - Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2022-10-05
Company: Experian Information Solutions 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 sent in letters To XXXX, XXXX and Experian on XX/XX/22 Disputing accounts and inquires that are not mine. It is now 30 days since I sent my dispute letters to these 3 companies and I believe legally they have 30 days to respond. As you can see from my letters which I will attach it is now 30 days.

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 2022-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This morning, XX/XX/22, I noticed I had received three emails at around XXXX from Bank of America regarding a pending application for a XXXX XXXX account. I did not open the account. Someone used my name and information to do so. I tried calling this morning at XXXX and the automated voice asked me for an account number that I do not have access to. I was unable to speak to a person unfortunately.

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 2022-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I received a text alert on my phone, inquiring about a suspicious transaction on our bank account. It was asking if I recognized a XXXX transaction in the amount of {$1700.00} and then another one for {$1800.00}. I responded " no '' to the text and was then contacted over the phone by someone claiming to be a representative of Bank of America, who informed me that he would assist me in getting our money back. This individual knew all of our contact and bank information, and informed us that there had been multiple transactions, resulting in a loss of {$10000.00} from our checking account. This individual was calling from the toll free number listed on the back of our debit card, which was Bank of America. The individual walked us through the process multiple times of reversing the unauthorized charges, he informed us that due to the amount of money taken it would take a couple of days to recover our money. He informed me that they had the information of the person attempting to gain access to our account and that the authorities would be contacted, so that further investigation could be completed. I attempted to contact the fraud department of the bank over the weekend to verify that the person I was speaking with was legitimate, but the fraud department was not open on the weekend. I contacted my bank on Monday, XX/XX/XXXX, after explaining what had happened the representative informed me that we had been scammed and would not be getting our money back. The representative then assisted me in filing a fraud claim and I was informed that it would take up to 45 days to reach a decision. Meanwhile, we were left in disbelief, and astounded that the bank was not willing to assist us any further. We are now completely broke and have a small amount left in our account. I contacted our local police department who informed me that they were unable to assist us and directed us to ICE.gov to file a fraud claim with the FBI. I also contacted our local news channel where I was interviewed on shown on the news. I also went into the local branch of Bank of America, and without even asking my name, or having any type of discussion with me I was turned away by the branch manager and informed that we would not be getting our money back. I have banked at the same bank for 37 years ... .this branch manager didn't even ask my name or look into by account, and informed me that the fraud department was in control of the situation. WE FEEL EXTREMELY VIOLATED AND ARE EXTREMELY FRUSTRATED WITH THE SITUATION AND FEEL THAT WE HAVE HIT NUMEROUS ROAD BLOCKS, AND NEED ASSISTANCE IN RECOVERING OUR MONEY. We continue to sit her wondering how it all happened and how we will recover our money, if at all. Please help us! Thank you for your 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 explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
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:
I appreciate your time to correct some of the erroneous accounts in my credit file ; however there are still many accounts that need to be corrected and updated. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, the judge authorize a stay on my home being sold to work out a modification with the lender : XXXX/Bayview Loan. They refused to accept my application due to exceeding number of modifications. Their are homeowners with five or more modifications. There are No rules stating how many modification are allowed. They have also waited for my previous modification applications documents to expire as to keep me in limbo and allow my home to be sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-04-04
Company: TD BANK US HOLDING COMPANY
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:
I opened a Merchant ( XXXX XXXX Credit Card account, issued by TD Bank NA, in XX/XX/XXXX for {$3200.00}. Agreed minimum monthly installment payment was {$94.00}, to be paid off by XX/XX/XXXX. 
I was determined to pay it off much sooner, so I started paying larger installment amounts. All my payments were made through my XXXX XXXX XXXX, Money Market Account by Electronic ACH Web Payment : XX/XX/XXXX : ACH Electronic debit TD Bank NA, Web Payment XXXX = {$250.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA XXXX Web Payment XXXX = {$350.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA , Web Payment XXXX = {$400.00} XX/XX/XXXX ACH Electronic Debit TD Bank NA XXXX XXXX XXXX = {$480.00} XX/XX/XXXX - XX/XX/XXXX : Total amount paid to TD NA Bank XXXX {$1400.00}. These amounts were not reported on the statements. 

On XX/XX/XXXX Statement, they finally recorded my 5th installment of {$150.00}. What did they do with my four earlier instalments, totaling {$1400.00}? 

I just went on the web site of their subsidiary company ( XXXX ), who services the credit payments. I tried to pull my statements. To My greatest shock, none of my four ( 4 ) payments were reported on all 4 statements. Each statement was BLANK, with the notation " NO TRANSACTIONS FOR THE SELETED MONTH '' TD Bank NA, is running a very fraudulent system. If a little mom-and-pop shop tried such scheme, they would be rotting in jail by now. I hope to XXXX that, CFPB will take a serious look at this. I have copies of the 4 blank monthly statements, should you need them, to support my case. 

Thank you very : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

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 2020-06-04
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: Public record information inaccurate

Complaint:
A bankruptcy is inaccurately reporting on my credit report. It was removed from XXXX on XX/XX/2019. I reached out to XXXX  and Experian to remove the information as it is reporting inaccurately also. According to them it was verified through XXXX XXXX and Bankruptcy court. Upon receiving documentation from the XXXX   Bankruptcy court that is inaccurate and they do not verify that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation