BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX and Bank of America ( co-owner of XXXX ) have not provided consumers like myself with any substantial information regarding what special actions and responsibilities these companies are taking to protect consumers like myself who have been victims of XXXX 's own admitted error in processing over XXXX ACH transactions, including a XXXX direct deposit for {$5700.00} which should have been credited to my personal Bank of America checking account on XX/XX/XXXX. 

Neither XXXX or Bank of America have published press releases or consumer advisory text or audio messages, emails, letters, or disclosures on their respective web sites, and in addition on Bank of America 's website, online banking portal, or mobile apps. 

BOA had the audacity to advise customers that they didn't need to do anything!? REALLY!? Affected Customers like me still have to pay or bills, including mortgages, rent, car payments, and every other creditors. ACH continued to DEBIT my BOA Account for other transactions. 

XXXX lack of transparency, virtual ZERO communications with any specific information as to how customers will be compensated for overdraft and late fees for an error that XXXX has publicly admitted was their fault caused by human error. It's now been 5 days and I still have not received my XXXX direct deposit. I received a letter from the XXXX on XXXX ( dated XXXX??? ) the I would receive an ACH direct Deposit AROUND XX/XX/XXXX to make my benefits through XX/XX/XXXX " current ''!? XX/XX/XXXX!? For a payment due me on XXXX? 

XXXX and the Federal Reserve supposedly process or settle transa tons at least 6 times a day, and yet it's somehow okay to delay my XXXX payment for more than two weeks!? Ridiculous! 

BOA says they are not at fault and not responsible. Yet BOA is one of the largest co-owner commercial banks that OWN XXXX and the only privately owned ACH network. XXXX XXXX XXXX has already announced the would not charge affected customers for overdraft fees and late fees related to this fiasco? Why is XXXX and BOA giving its customers the silent treatment? When I have tried to contact BOA to ask these basic questions, I either can not reach an BOA chat or phone agent at all, or placed on hold for in excess of 30, 45, 60+ minutes only to be told they don't have an answer, or even worse get disconnected from active chat sessions or telephone calls. I'm talking about every BOA Chat agent I was able to finally to contact, including BOA XXXX NY chat agents XXXX, XXXX, XXXX, XXXX, etc. Every chat agent disconnected rather than answer my two basic questions. Same outcome with every BOA telephone agent as well. Disconnected rather than provide answers to basic questions regarding the XXXX debacle.

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 2022-11-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Attorney XXXX XXXX XXXX COLLUDED with Wells FARGO to COVER-UP the " EMBEZZLEMENT '' of payment received from XXXX XXXX XXXX 


BEWARE : Read XXXX NEGATIVE UPDATE on XXXX XXXXXXXX XXXX law firm ANSWER REQUESTED : XXXX XXXX, as a prominent BOARD-CERTIFIED Consumer Protection Attorney for 39 years.. 
How many times have you sued Wells Fargo? 

If, she takes your case, it will never make it to trial ... .WHY? she told the judge boldface lies, and had my NO DEFENSE CASE dismissed I was not able to defend myself. She denied me my " DAY IN COURT '' She is not a nice person... .at all. She will kick you when you are down ( and hang-up on you ). 

My doctors ( medical records ) will prove she lied to the judge. 

XXXX XXXX, I invite you to prove me wrong XXXX XXXX, WHERE IS THE 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 2022-12-20
Company: WELLS FARGO & COMPANY
State: MI
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:
Wells Fargo allowed my 401k to be stolen from both my accounts. 
They refuse to provide me with my {$53000.00} $ XXXX The XXXX  XXXX XXXX have investigated the crime and found the perps I still have not gotten this resolved yet!! 
PLEASE help.. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Mi 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 2022-11-30
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of 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 explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: 1st Franklin Financial Corporation
State: AL
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 reached out to these companies via the credit bureaus and I haven't heard a response back in over 90 days. I feel like I'm being ignored and punished for something that is completely out of my control. I demand that this incorrect, inaccurate and unverifiable information be deleted from my report. Over 90 days with no response is ridiculous. Why put someone through the ringer whose actually trying to get to the bottom of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Took out a 0 % interest credit card with Wells Fargo. Thought I paid it off in time before the intro period was over, but may have missed it by a few days. Instead of charging me the interest on the remaining balance ( I had paid back nearly all of it ), they charged me interest immediatley on the full amount. This is simply wrong and unfair.

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 2023-04-20
Company: EQUIFAX, INC.
State: TX
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:
Around XX/XX/2018 loan became delinquent since then this company has been reporting late payments every month which is illegal by law after 180 days account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting I also requested proof of how this account was verified and how they determined it was accurate which i never received On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update/remove this account I am asking that this account be removed from my credit report as it is being reported illegally and going against my consumer rights and failing to verify the accuracy and is negatively affecting my credit i am trying this last resort before seeking legal help. below I have attached copies of how it is being reported differently on each bureau thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: KS
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:
Our bank notified us of inquiries to our credit report. Both to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. We contacted them and reported that we did not apply for credit. They were unable to tell us where the inquiry came from. 
We are in the process of contacting all three credit report companies to put a freeze on our credit and to report the 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
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I reviewed my Consumer Reports and noticed that I had charged-off accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts that resulted in charged-off : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00}

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 2023-07-27
Company: Block, Inc.
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
Square inc is the company my small business uses to process customers monthly payments. Square took roughly {$8500.00} from a client 's account on XXXX, XXXX. I kept charging the client because I didn't think the payment cleared. Square has the money and I have to come up with {$8500.00} that I do not have. 

I finally got a hold of someone at Square and they said it was from a dispute in XXXX. The account they put the money in I do not recognize. I bought the business from someone else. They said the accounts are linked. They need to put the money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi, I received the letter from American Express National Bank that someone attempted to one or m ore deposit accounts in my name at American Express National Bank, and it was without my authorization, the applicant had access to my name, address an Social security number prior to presenting it to them. I know who stole my identity and i am very scared about it. Last month people called me that they are from XXXX XXXX and someone tried to use my card and I believe them. They asked to me download the app on the iphone luckily it didn't work out. They took my XXXX XXXX XXXX card number and I was told by them that they will send the link and I should authorized but I declined the request and my bank found out it was fraud .I came to know people pretend they are calling from my bank and made me fool. Also I get new credits card which I never authroirized to opne. Please let me know how I can save the identity..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I summited a complaint with the CFPB about TransUnion XXXX is the number for the referenced complaint. They have removed most items but there are some items on my consumer report identified by me as fraud that still remain and they need to remove them. XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX are the items that have been identified as fraud on my report and need to be 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, They have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any others adverse item of information, other than records of conviction of crimes which antedates the report by more than seven year.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

DP OF EDUC XXXX CHILD SUPPORT ENFORCEM XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-12-21
Company: Experian Information Solutions Inc.
State: IL
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 expect expedited removal of the Fraud Alert on my Experian, XXXX, and XXXX 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