BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I met with Bank of America associate to send a wire transfer in the amount of US {$10000.00} to an organization in XXXX called XXXX XXXX, I gave the associate in the bank the correct account information for the beneficiary account and the name on that account was XXXXXXXX XXXX However, the associate indicated that the account has to have the name of a person not the organization. So I gave him the name of the Director of the XXXX XXXX and that is what he used to send the wire to XXXX. However, the wire was rejected by the bank in XXXX ( XXXX XXXXXXXX XXXXk ) because of the incompatibility of the name on the account. Thus, the XXXX XXXX XXXX returned the fund to XXXX Bank in the US as an intermediary bank. The original wire was sent on XXXX XXXX and the XXXX XXXXXXXX XXXXk has returned it to XXXX Bank here in the US on XX/XX/2022. I called the wire department with bank of America at XXXX XXXX XXXX almost 7-8 times to inquire about where is the fund that was returned by the XXXX XXXXXXXX XXXX and asked them to return the fund to the original account with Bank of America. I also visited the bank of America branch where the wire was initiated almost 5-6 visits requesting the return of the fund to the account with Bank of America which is under the name of XXXX XXXX XXXXXXXXXXXX XXXX, account number XXXX but unfortunately all my requested were unsuccessful. Every time I am given different answer and reason for why the money did not return back to the account. Many times, I was told we sent a message to XXXX bank, but we have to wait for XXXX bank to respond to us and we have no control over when they respond to us. I was also told we don't know how long it will take them to respond and there is nothing we can do about that, and we have to wait. I then visited XXXX bank and requested the number to their wire dept. and when I called them to ask about why are they holding the wire fund with them they said they can not talk to me because I don't have an account with them and that I have to get my Bank of America to talk to them. I went back to bank of America and asked them to call XXXX Bank in my presence on a conference call, XXXX bank indicated that they did send the fund to bank of America, but Bank of America returned the money to them again by mistake. It has been a nightmare and a very frustrating experience for me for the last 2.5 months also frustrating experience for the XXXX XXXX organization in XXXX since this fund was to help their orphanages. Can you please help us get this fund of {$10000.00} back into the account of The XXXX XXXX XXXX with Bank of America here in the US PLEASE.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given written, unwritten, verbal and non verbal per 15 USC 6802. This is immediately and indefinitely.I have reached out to all 3 credit bureaus two weeks prior to my completing this CFPB complaint. According to 15 USC 1681 inaccurate reporting ( a ) Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have even had customer support help me via Chat and I have the transcripts as well to upload as evidence. Also 15 USC 1681 ( b ) also states 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation.

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 2020-06-16
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: Their investigation did not fix an error on your report

Complaint:
TransUnion and XXXX are still reporting a bankruptcy that does not belong to me. XXXX has removed the inaccuracies and I sent a letters for both TransUnion and XXXX to follow suit. I also was told that it was verified with the court in which the bankruptcy was filed. I reached out to the court in XXXX sc and Got a written letter that they dont verify such items and the letters I was sent from both TransUnion and XXXX said it was verified through the courts. Now there is a big discrepancy.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX , Chairman and Chief Executive Officer & XXXX XXXX Executive Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, Trans Union LLC XXXX XXXX XXXX XXXX XXXX by law shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and Sue all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! CC : Pa attorney General, FTC & the 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 2023-05-26
Company: Zions Debt Holdings
State: KY
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:
Please forward this complaint to your legal advisor. 

On XX/XX/2023 a CFPB complaint was filed against ZIONS DEBT HOLDINGS LLC. ( Ref. XXXX ) This is a dispute regarding a response that was received dated XX/XX/2023. Please convey an original instrument of indebtedness between XXXX XXXX and ZIONS DEBT HOLDINGS LLC or prove that one exists. 

Under the lawful definition of novation, I was never informed in writing nor did I mutually agree to do any business with ZIONS DEBT HOLDINGS LLC. Please inform me why I should submit any payment to this company. A company that is belligerently extorting my character and in violation of 15 USC 1692d ( 4 ) by reporting false information to my consumer reports. 

To date, ZIONS DEBT HOLDINGS LLC has not produced proof of a validated alleged debt nor acknowledged my cease and desist notice sent. ZIONS DEBT HOLDINGS LLC has failed to produce the original instrument of indebtedness to ZIONS DEBT HOLDINGS LLC. ZIONS DEBT HOLDINGS LLC has no permissible purpose to communicate with me in any capacity. 

The instrument sent via CFPB titled " XXXX XXXX XXXX '' does not state that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC. 

Does this instrument confirm and affirm that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC? If so, please provide where. 

Since the original instrument has failed to be sent, provide proof that I am the obligated party for repayment. 


There have been unauthorized disclosures of my personal identifying information. Zion Debt Holdings LLC and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with Zions Debt Holdings LLC and do not have a contract with Zions Debt Holdings LLC nor did Zions Debt Holdings LLC make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtedness ). 
I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NY
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 XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was 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 ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$800.00} came out of my account, card ending XXXX for a contractor from some other state without ma knowledge or authorization. I have filled the necessary paperwork as well as taking the police report to the branch to fax to the fraud department. I have tried continuously to contact someone in management and get a call back and have heard nothing for 3 weeks now. Im at a dead end, Ive done everything required and have been treated very poorly by US Bank. Im not in a position that I can just ignore that amount being takin. This has been going on approximately 8 months and 5 new accounts later and still no resolution. Help would be greatly appreciated. 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 monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disturbing information caused by identity theft. Trans Union has sent me letters telling me that their investigation concluded that I am lying. XXXX has removed some of the information already, not sure what transition need besides what I already submitted. I just want the cfpb to realize how these companies hurt consumers

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 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022 I sent Capital One a Notice of Rescission letter.In response, Capital One then sent me a letter in the mail acknowledging my account being in a cease and desist status and stated they will not communicate with me in regards to any debt collection. Yet Capital One has still been sending monthly statements in attempt to collect a debt in the amount of {$16000.00}. This has caused me financial injury and suffering and i am demanding monetary compensation immediately for violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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 instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-03-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of a XXXX XXXX  XXXX data breach. My information was compromised and sold through the dark web. Equifax, XXXX and XXXX do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for XXXX and XXXX, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and discovered that XXXX pulled my credit without my knowledge or consent. 

My credit report shows that XXXX - XXXX XXXX created an inquiry into my credit on XXXX. 

I have requested an investigation and correction with Experian, XXXX, and 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 2020-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2020 I would like to claim about below. 

I tried to withdraw {$500.00} from the XXXX Bank of America ATM with EDD card at XXXX o'clock on XX/XX/XXXX, but I immediately canceled the transaction and went to the next ATM because I needed {$100.00} bills, so I tried to withdraw {$700.00}. But I found it was over the daily limit. And then I checked the withdrawal history. I never get any cash and receipt. On the same day, I asked to the bank 's teller for help, the teller told me that EDD BOA customer service might my balance to be cleared tomorrow, and gave me the phone number. And the edd customer service staff said if I leave my phone number and email, they would call me but couldn't get in touch with anybody. 
I have called the Customer Service and Claim Department about six times, but nothing helps. There is no answer to the email also. 

Every times I waited more than 50 minutes, 1 hour 50 minutes, and 2 hours. but I was unable to connect to the claim department. So I couldn't connect and gave up the phone connection. 

When I contacted a staff he said the amount was large, so a rep could not fix the problem. Actually It's a great big amount for me, so I'm emailing regarding the situation to solve. 

Another banker said I should go back to the bank for help. So, I went to the bank early in the morning and talked about the situation again. A baker tell me the ATM ID and phone number and then I call the BOA ATM department for assistance. So I tried to connect to Edd Department again. Customer service gave me a number of claim departmenr XXXX. But I could not connected to anybody for over 1 weeks. 

I dont want to ask for help me and to repeat the same story any more. This is is a really difficult story.I can't find money at that time. There were people lined up at the ATM machine. If the money came out, someone find this cash. 

Please accept this claim for my missing balances and let me know regarding a result. 

Warm Regards,

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 2020-06-16
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: Personal information incorrect

Complaint:
I HAVE NOT BEEN ABLE TO GET TRANS UNION, XXXX OR XXXX TO MAKE THE CORRECTIONS TO WRONG ADDRESSES AND NAMES 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