BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a payroll check from XXXX XXXX XXXXXXXX XXXX XXXX, on Friday, XX/XX/2018. Bank of America froze {$430.00} of it. They have put a 14 day hold on these funds, stating they will not be able to be used or withdrawn until XX/XX/2018. I have talked to a branch manager and a customer service representative of the bank. I was told that since the check was from XXXX XXXX, I would have to talk to them about expediting the release of funds. I called XXXX XXXX and was told that they never hold checks for more than 7 days. Bank of America then told me that due to excessive overdrafts, that they would not be releasing my funds any sooner than the 14 days. I have banked with Bank of America for years and have only had two overdraft fees, which they reversed. 14 days is excessive and it is my money. I have to pay bills, buy groceries, gas, etc. Never have I ever experienced such difficulties from them. I need that money. How am I to survive without my payroll? I work hard for that money and CAN NOT wait another pay period to receive my money. I am very unhappy and once this is resolved, I will no longer be banking with them. They have had my business for an excess of 10 years and I have never, ever incountered this problem with them.

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 2023-10-02
Company: EQUIFAX, INC.
State: CA
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Currently I am trying to protect to Financial bank accounts. Also constant threats of Identity theft of transfers Of anyway shape or form either digitally on smart Phone Or computer etc ... Also currently the people that Stay In My husband and My home. We have asked Have tried to ask nicely to leave our property And home Unless invited in. To visit. Are causing financial physical emotional damage and stress To myself my husband and home and financial Is banking institutions. As well as credit/credit cards small and large purchases. Leaving jets in both of our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my Transunion credit report that I have disputed. I mailed my disputes off XX/XX/2023, and Transunion received my disputes on XX/XX/2023. When I call to check the status of my disputes. The representative explains that they dont have my dispute letters I mailed off. However I mailed the dispute letters off disputing my personal information, negative accounts, and unauthorize inquiries that is listed on my credit report. I have not heard back from Transunion yet with any update on my dispute. After you send a dispute letter to the credit bureaus, they have 5 days to send something back stating the fact that they receieved your dispute and a investigation is underway. However Transunion have not sent me any notifcation that they have received my dispute. 

I also filed a FTC identity theft report as proof that I am a victim of identity theft and the hard inquiries Transunion is reporting on my credit profile is not authorized by me and to remove them. 

Attached is the return receipt slip as proof that they received my disputes, along with the dispute 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 non-monetary relief
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2017 XX/XX/2017 Unauthorized inquiry two times in the same month. Was done without my consent.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXX  & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXXAccount Name : XXXX XXXXXXXX Account # XXXX Account name : XXXX account number # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

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 2023-04-24
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the fair credit reporting act this creditor, Department of EducationXXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
You can take a look at the updated photos. There is evidence to prove that the bank defrauded my deposit. It took me several months to complain several times. Finally, I got a reply from the bank. The content of the first photo said that because the amount of the check payer was insufficient, so The cheque was returned. In the second photo, you can clearly see that the bank returned the money to the bank. The name of the bank is XXXX XXXX. Lets look at the cheque deposit slip in the third photo. It is obvious that it is an XXXX state cheque. This confirms the bank fraud. The hard-earned money of the people Before I also have and many portion of their complaints and requirements bank tell me return check number, so simple can prove is the wrong a number are unable to provide also to deceive I, several relevant departments also together asylum bank of violations , if I'm not against the own to look for bank record, this thing so deep buried down, I can't imagine such things will happen in great country

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
About XX/XX/XXXX, I enrolled in TransUnion consumer online access account. 

I found errors in my information, and when I try to submit a request to correct the information, or to request a credit freeze, the website returns an error, and prompts me to call TransUnion at XXXX or their XXXX XXXX at XXXX. 

I called several times over the first week of XX/XX/XXXX. I was told that my profile had an " error XXXX '' associated, which would require manual processing. Each time that I called, a representative scheduled a " call back '' for me, which never happened. I was finally able to request transfer to their " XXXX XXXX XXXX Department, '' and the representative told me that I could expect a call back within XXXX days of XX/XX/XXXX. That also never happened. 

I called yet again the last week of XX/XX/XXXX, again insisting to be transferred to the " US Special Handling Department. '' That time, the representative told me that the " error XXXX '' will be resolved from my profile over the next week, so check my online access again after a week. That, of course, did not work. 

XX/XX/XXXX. I just called again, and a TransUnion representative told me that my account still has " error XXXX '' associated, and that there are no records on my account of any of my previous calls, any of the promised callbacks, and any resolution to this problem. The case given to me is # XXXX. 

I am XXXX consumer against the giant TransUnion credit reporting agency. I have no other resource or recourse. Please help me with this. 


Thank You

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 2023-04-24
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the fair credit reporting act this creditor, Department of EducationXXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 2021-09-21
Company: Experian Information Solutions Inc.
State: OH
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:
There are inaccurate and unauthorized accounts on my credit report that does not belong to me.

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 2020-03-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Gateway One Lending One and Finance is the current servicer of my Auto loan since XXXX of 2016. In XXXX, I received a notice from some other company saying they are the servicers of my auto account. I did not receive a 15 day notice from GateWay One Lending and Finance Nor was the notice from Santander USA in the 15 days either. As a consumer, I have been violated and was not provided sufficient time and evidence. Also the reporting on balances are inaccurate. Gateway One lending and financed closed my account according to my credit report, but then opened said account back up. They are reporting inaccurate information on my credit report and false information. At this point, as a consumer I am not sure who the real servicer of this account is and my real account balance and account should be closed. If not properly managed, i will have to seek attorney for this is damaging my credibility and causing much grief and harm and anxiety. Please correct this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Sold home. Escrow check issued XX/XX/XXXX according to their web site. Call to support confirms the same and that check as sent to proper address. XX/XX/XXXX and still no check. no other options other than to re-initiate the process which takes a minimum of another 15 days. No option to expedite or go to Freedom office to pick up a check.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear CFPB : I have disputed the inaccurate accounts within my credit report for almost 5 years now. Every time I dispute is sent in with attaching documents, the credit bureaus dont hesitate to send responses in the mail and or email saying ALL ACCOUNTS ARE VERIFIED AS ACCURATE. Well, how accurate are they XXXX and TransUnion? 

XXXX has also stated in their disputes that they will NOT be investigating these accounts anymore because they have been previously verified by the furnisher. This is a violation of the FCRA and Im demanding {$1000.00} fine be paid to be for each account that was not investigated as well as the inaccurate information within. 

XXXX lists XXXX as having payment history but TransUnion doesnt show any payment history. Whose correct? 

Next, XXXX lists XXXX XXXX with no payment history and no date that the account will fall off my credit report. Why and how is this account accurate? Where is the ON RECORD UNTIL date XXXX? Or do you plan to keep this on my credit report forever? 

Third, TransUnion lists XXXX with no payment history but XXXX has payment history. Whose correct? These are answers that Ive been trying to get for over 5 years now to no avail. 

Lastly, TransUnion lists XXXX XXXX with 6 months of payment history for an account that was in good standing and open since 2016. Where is all the other years of payment history TransUnion?? 

These accounts are clearly inaccurate. Both XXXX and Transunion can not be correct. Someone has to be wrong here. 

If the same information is being reported by the exact same data furnisher, why are these accounts not showing the same information? Why are there errors and discrepancies? 


I DO NOT want another reinvestigation done because you supposedly verified these accounts as accurate. Now Im demanding {$1000.00} for each account listed and the immediate deletion of the accounts mentioned above. Failure to do so will results in me taking a higher action. 

Respectfully submitted, 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