BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collections account that was purchased by XXXX XXXX  XXXX for an collections account for XXXX. I have been paying XXXX XXXX  XXXX and processed a settlement with them and Now I have William rush and associates calling me trying to collect on the same debt. I need validation on the debt with William Rush and associate, I need the original sign contract showing penalties that could possibly e applied to the org balance, papers showing the they are the legal of the owner of the debit. I have requested documentation and all they tell me is no, they will take me to court etc.

I need the William rush and associates account removed from my credit since I feel it is not a valid account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: KLS Financial Services, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
KLS Financial filed a debt collection with XXXX and XXXX on behalf of XXXX for a debt that belongs to a different XXXX XXXX. I called KLS Financial and told them I do not live in North Carolina, have never been to " XXXX XXXX XXXX, '' and was not born on XX/XX/XXXX. Their response was, " How do I know you're telling the truth? And we handle collections for the whole country, haven't you ever made mistakes? '' The case number with KLS is XXXX. The debt amount is {$500.00}, but the KLS person I spoke with referenced a second debt, assumably that they will be filing under my name if this misidentification issue isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citi Benefits claim approved for stolen iphone, credit still not applied, check mailed to wrong address

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 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2021-04-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of trying to buy a home. The lender tried to obtain my credit score numerous times with equifax and there are receiving a message stating fraud alert. I dont not have a freeze or fraud alert on my equifax account. Called equifax 5 times on XX/XX/2021. And they tell me that its nothing wrong on there end. Im running around and circles. Its unfair that this situation is delaying my dreams of getting my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with us bank. A few days later I get a call from a man named XXXX. From the fraud protection department he was accusing me of attempting to fraud the bank. He then told me the accounts will be closed. I still haven't receive the money from the account XXXX put a hold on the account and he's the only one that could lift the hold they say. He never returns any of my calls. All I want is my money in the account

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX 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 XXXXXXXX.

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: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: NJ
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 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}

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 explanation
Consumer complaint received 2018-12-27
Company: First Data Corporation
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, on XX/XX/18 I wrote a check at my local XXXX for {$45.00}. They said the ck. did not go through ETF so asked me to sign it so they could keep it and run it. I did this and told them to be sure they don't put it through twice on me. That is exactly what happened. On XX/XX/2018 and XX/XX/2018, XXXX ran the exact same check twice. Once ETF and once manually. When this came to my atten. on my back stmt. at the end of the month, I contacted my credit union and they investigated and it was a duplicate debit to my acct. and credited the {$45.00} back to me. XXXX was paid, and the MGR. XXXX, at XXXX, XXXX, Idaho stated we didn't owe them anything. In any event. Telecheck  has put a # 3/high risk code on my checking acct. and it is impossible to now cash checks in the small town I have lived and done business in for 17 years. In the 66 years I have lived, I have NEVER written a bad check. I am now holding up lines and constantly embarrassed anywhere the Telecheck  service is used. I have called them 3 times and talk to people who can barely speak English. I also sent in all my paperwork to an address in XXXX, MD. on XX/XX/18. Please help me get this off my acct. it is making a senior citizens life miserable. Changing the checking acct. won't help either from the other complaints I am reading regarding this Telecheck  company. XXXX is no help in removing this, they don't care about their customers. My husband wants to file a lawsuit which I would really rather not go there. Thank you for listening. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
ON XX/XX/20 I FILED A DISPUTE WITH WELLS FARGO ON XX/XX/20 WELLS FARGO FAILED TO ADEQUATELY INVESTIGATE THE FRAUD CLAIM IN THE AMOUNT OF {$2800.00} INSTEAD THEY CLOSED MY ACCOUNT UNDER THE PRETEXT OF A BUSINESS DECISION. I AM NOW LEFT WITHOUT MY MONEY BECAUSE WELLS FARGO DOES NOT WANT TO ABSORB THE COST OF THE FRAUDULENT CHARGE OR PROPERLY INVESTIGATE SO THEY IMPROPERLY CLOSED ME OUT. THIS WILL HURT MY CREDIT AND NEGATIVELY IMPACT MY RELATIONSHIP WITH OTHER BANKING INSTITUTES. I HAVE BEEN UP ALL HOURS OF THE NIGHT TRYING TO FIGHT THIS BATTLE WITH THEM. ONLY FOR THEM TO HANG UP ON ME AND TELL ME TO TAKE IT AS A LOST BECAUSE WELLS FARGO DOES NOT RE-INVESTIGATE. EVEN AFTER I EXPRESSED TO THEM THE REP THAT TOOK THE DISPUTE DID NOT WORD THE DISPUTE HOW I EXPLAINED TO HER. I REQUESTED FOR THEM TO GO BACK TO CALL AND LISTEN TO THE RECORDING THEY REFUSE TO TELLING ME THAT NOT ALL CALLS ARE BEING RECORDED. THE REP PUT FOR THE REASON " I DID NOT REMEMBER MAKING THE CHARGES '' WHICH IS INCORRECT SHE WAS VERY DISRESPECTFUL AND WANTED TO BLAME ME FOR THE FRAUD BECAUSE MY PIN WAS THE LAST 4 DIGITS OF MY SOCIAL SECURITY NUMBER. WHILE SHE WAS TAKING THE DISPUTE I REQUESTED TO SPEAK TO ANOTHER REP AND SHE DECLINED. I TOLD HER THAT I HAD LOST THE CARD OR IT WAS STOLEN. I ASKED THE PEOPLE I WAS AROUND AND THEY DENIED USING OR HAVING POSSESSION OF MY CARD. SHE ASKED IF IT COULD BE ONE OF THEM I TOLD HER I AM NOT SURE I HAVE NO PROOF. WELLS FARGO HAD SENT ME A VERIFICATION FOR THE CHARGE AND I REPLIED BACK " NO '' AND THEY STILL PROCESSED THE CHARGE. THIS IS THE SECOND TIME THIS BANK HAS CLOSED AN ACCOUNT FOR ME ONLY TO WRITE ME 4 YEARS LATER AND TELL ME IT WAS A MISTAKE AN NO ERROR/FRAUD WAS FOUND ON THE ACCOUNT AND I COULD OPEN THE ACCOUNT BACK UP. I HAVE CALLED, EMAILED, AND REACHED OUT VIA SOCIAL MEDIA WITH NO LUCK. I HAVE ATTACHED THE DISPUTES AND ALSO ATTACHED A LETTER THEY SENT ME REGARDING A PREVIOUS ACCOUNT I HAD WITH THEM THAT THEY CLOSED ONLY TO WRITE ME YEARS LATER TELLING ME THEY WERE WRONG AND SORRY FOR THE INCONVENIENCE. ITS NOT FAIR THESE BANK ARE SCAMMING INNOCENT AMERICANS AND GOING AGAINST BANKING PRACTICES.

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 2019-04-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
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:
So XX/XX/XXXX I was told from bank America they are closing my account due to bank discretion and they have the right to not explain the reason why I have checking and bussiness account I was stole they were closing the accounts XX/XX/XXXX right and Im not able to access any funds from any account I had put multiple hardships in because I do own a bussiness and need to pay out payroll how ever every hardship has been denied talking to account closure has been a headache for me every rep have something different to say and highly rude about helping the customer myself I feel like I have been racially profiled and now they are holding my funds the last time I spoke with account closure was XX/XX/2023 and was told that bussiness account has been closed since XX/XX/2023 but the back office hasnt issued a check yet I want to know why are they holding my funds and keep making all these different excuses on to why I cant have access to my funds how ever they officially closed my personal account XX/XX/XXXX but now my bussiness and savings is still on stand still with no answers but to be told to keep calling and checking the status I asked if back office has email or number where they can be reached regarding this and I was told no I just have to wait please help. I feel as if they just doing this process on purpose because I am XXXX bussiness women who own a XXXX XXXX its not fair and I have to keep letting my employees know to be patient that they will receive funds once Bank of America fully close my account which they are taking there time on

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 2024-01-02
Company: TRUIST FINANCIAL CORPORATION
State: TN
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:
I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two

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 2020-12-21
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMEONE USED MT INFORMATION TO OPEN A FRAUDULENT ACCOUNT THAT DOES NOT BELONG TO ME. PLEASE REMOVE THIS FRAUDULENMT ACCOUNT FROM MY CREDIT FILE THANKS.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$1200.00} XX/XX/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

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 2024-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My daughter opened a student checking acct with Bank of America in XXXX. My name was on the acct as well. BOA promoted these " beginner '' accts as non-fee. Later, the acct status was changed to their most elite product ( now known as " Advantage Relationship '' ) that required a minimum {$20000.00} average daily balance to avoid the XXXX XXXX monthly maintenance fee. Neither she nor I authorized this change as, obviously, a college student can not maintain that balance. XXXX XXXX, branch manager, at BOA unit # XXXX, suggested in a phone call on XXXX that this could be a coding error. 

BOA accts that benefit from direct deposit are also not subject to fees regardless of the balance. XXXX XXXX and her associate, XXXX XXXX, have confirmed this to us. Although my daughter 's paychecks have been direct deposited into this account since beginning her first professional job in XX/XX/XXXX, the XXXX XXXX monthly fee was still charged. So, for XXXX  months ( XX/XX/XXXX to XX/XX/XXXX ) qualifying direct deposits ( more than the {$250.00} minimum ) went into this acct. This indicates a refund due of {$4100.00}.

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 monetary relief
Consumer complaint received 2018-12-27
Company: Mr. Cooper Group Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this  account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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