BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had deposited a check for the amount of {$25000.00} in my checking account with the XXXX XXXX XXXX on XX/XX/2018. My check was cleared by XXXX XXXX  overnight, XXXX XXXX XXXX has illegally withheld my money from withdrawing, and told me that it will be available on XXXX XXXX, when I tried to access my funds on XX/XX/2018 I was told it's pending posting to my account and will be available next day, I am appalled at the dishonest business practices of XXXX XXXX XXXX Management, as an honest banker they should have made my funds available to me as of XX/XX/2018, this dishonest action of the XXXX XXXX XXXX amounts to stealing my deposited funds and using them for their own benefits and making false promises as to when my money will be available for my use. As of the date of this compliant I have no access to my funds, I intend to file a civil action against XXXX XXXX XXXX for their dishonest actions. I have contacted the XXXXXXXX XXXX on XX/XX/2018 at XXXX California time, and the agent I spoke with instead of addressing the issue of my funds availability, had put me on 20 minute hold and then hung up on me.

I hereby request you to sanction and fine XXXX XXXX XXXX as permitted by the Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: ProCollect, 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:
I asked the credit bureau 's to do a thorough verification of my credit report, they did and stated everything was accurate. I did research myself and found improper inaccuracies still on my credit report even after they did their investigation. 

In accordance with the Fair Credit Reporting Act XXXX XXXX and 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 602 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 explanation
Consumer complaint received 2022-04-21
Company: Valor Intelligent Processing, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was called on XX/XX/22 at XXXX XXXX the company was Valor Intelligent Processing via XXXX, I asked to call them back as I was at work. I was provided XXXX to call back. Mind you, I have never heard of or from this company prior to today. What's more is they called me using a fake/unreachable number rather than their public/main contact number. 

Upon calling I verified basic info ( name/address ) they advised that they purchased a debt and were attempting to collect on that debt. I asked that they send written correspondence within 5 days, and that I deny and dispute the alleged debt. The rep would not tell me how much the debt was for, only that it was for XXXX XXXX. 

The phone rep would not give an employee ID ( stating that she does not have one ) nor any identifying info. She then stated that I can not just dispute the debt, that I am required to give her the exact reason why and that this was not an argument. 

I again asked for a debt validation/verification letter, to which she stated that she did not have to and that this means they would have to contact the original creditor as they bought the debt from someone who was not the original creditor ( not my problem ) and may not have all the information needed. She then placed me on hold and disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a HELOC loan. I was denial based on my credit. They told me and sent me a denial letter saying the reason why I was denied was because of collection and/or judgement. I called the company that sent my credit report to TD Bank. And, they said it wasn't anything negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After having made all of my payments on time for a debt that was originally not even mine due to an error at a hotel I stayed at, XXXX XXXX XXXX decided to file my account for collections multiple times according to XXXX. 

On XX/XX/2021, I had called the XXXX XXXX Law Firm to explain to them that I am currently in a XXXX XXXX  to be XXXX XXXX XXXX XXXX  and XXXX XXXX and therefore asked to pause my payments. I was told there was nothing that could be done when I felt it was reasonable. I also was treated rather rudely and made to believe it was my fault to be XXXX and unemployed. 

After the call, I sent an e-mail to the lawyer in charge of the collection, XXXX XXXX He never responded to my e-mail to ask for further documentation when all I wanted was a pause for payment so I could resume once my income returned. 

This was highly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
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 the creditor believe that I have acted in good faith to discharged the debt with accordance TO THE LAWS that are now being presented and should not had have any damaging reports towards my credit to all three credit bureaus THESE ARE THE LAWS ACCORDANCE TO THIS MATTER : THE TRUST INDENTURE ACT OF 1939, THE SECURITIES EXCHANGE ACT OF 1934, THE EMERGENCY BANKING ACT OF 1933, UCC 3-603 3-604, 12 CFR PART CFR 1026.13 ( d ), 16 CFR 433.1 ( d ) ( f ), 31CFR 328.5,31CFR 328.6, 15 USC 1693,15 USC 41, UCC 1- 103, 1- 104, UCC 3-110 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( i ) ( ii ) ( iii ) ( iv ) ( d ), UCC 3-105 ( a ) ( b ), PUBLIC LAW CHAPTER 48, 48 STAT. 112, PUBLIC LAW 73-10, TITLE 31, SECT 5118 AND HJR 192 JUNE 5, 1933 1933

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 2023-05-10
Company: EQUIFAX, INC.
State: NY
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:
The credit reporting companies are actively preventing the calling public from speaking with a live person. The options/choices to choose from are not adequate yet it's not possible to get ANYONE to speak with and explain the reason for calling. 
Also, if pressing XXXX when calling Equifax, the caller gets cut off. 
Tried to find out what the reason is for my credit score to be quoted under XXXX. In my opinion it should be much higher if not quite a perfect XXXX! 

There is great variance ( in my case it's XXXX points ) between the lowest and highest listed by the XXXX main agencies. This is crazy and it also shows that they are doing a VERY losusy job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-12-29
Company: Experian Information Solutions 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:
I have reached out to credit agency and ask them to update my credit file to reflect the correct address and spelling of my name on the account. 

Please remove the following addresses as I do not reside there or ever lived at that address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct address that should be listed is XXXX XXXX XXXX XXXX My name is also incorrect on the report please remove the incorrect names : XXXX XXXX XXXX XXXX My name listed should be listed as XXXX XXXX XXXX. 

Current Employer is XXXX XXXX. I have never worked at XXXX XXXX. 

Please update my name and address as this is incorrect and causing an issue when I apply for certain items that require a credit 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm submitting disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. The information was compromised. My information has been being handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-21
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received your response Last XX/XX/XXXX that you declined to block the information I have provided. I sent a complaint on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TransUnion is required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX. I am including it again. 

XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX  XXXX Balance {$8900.00} ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My husband and I purchased a home on XXXX XXXX with a conventional mortgage. Property taxes were estimated at appx {$4300.00} for XXXX. We applied for a XXXX XXXX homestead exemption in our county for XXXX and this was granted. As such, our XXXX property tax bill was only {$2100.00}. Once taxes were paid the first of XXXX, XXXX, I requested a new escrow analysis to have my required escrow payment adjusted. Given the difference in the original estimated taxes and the actual taxes paid, the difference is appx. $ 200 monthly that is being over-collected. I have been back and forth with Amerihome Mortgage. The first request was never submitted. A second request was made, and nothing was adjusted. A third request was made, and they finally adjusted the estimated taxes for XXXX but did not adjust the required payment. I called and was told the tax department would not re-visit the analysis until XXXX of XXXX. Every time I talk to a person at the company, I get a different answer and they are short with me and not helpful. I have asked to speak to someone in the tax department and they will not allow it. I am told to just wait. I have also asked to be contacted as decisions are made, and this never happens. This is ridiculous and I should not be required to pay over $ XXXX in escrow when my total required annual escrow disbursements are estimated at appx {$4500.00} annually ( property tax, property ins, and mortgage ins ) AND my current escrow balance is {$2300.00}. I have a balance of {$2300.00} right after paying my annual property taxes and insurance and it is already more than enough to pay my estimated taxes for XXXX. Property taxes and property insurance will not be paid again until XXXX  of XXXX. I had this exact situation happen at my previous mortgage company and when my adjusted taxes bill was received, my mortgage company adjusted my payment immediately. Amerihome should not be permitted to escrow so much more than the estimated outlays required.

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 2022-12-29
Company: Experian Information Solutions 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 next 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I received a text message asking to verify a transfer of {$3500.00} from my Bank of America savings account. I did not verify this transfer and reported such through the text message. immediately after, I received a call from someone claiming to be a Bank of America employee and was told that they would assist me in reversing the supposed transfer of funds. I follow their instructions, which included " transferring the funds back into my account ''. I then received a text message asking to confirm this reversal of transfer in which I did so. the employee told me that the situation was taken care of but to " not log into my bank account for the next XXXX hours ''. I found this suspicious but thanked him and hung up the phone. From there, I logged back into my account and saw that the money was indeed transferred out of my account and was sent to a XXXX account linked to a phone number that I did not recognize. I googled a rough description of the situation and found that I was the victim of a scam that has been going on for the past few months to others within the United States. I then called Bank of America customer support and was told that this scam is XXXX that they have been made well aware of and XXXX that many customers have called to report but that there was not much that they could do since I technically did verify the transfer. The person I spoke to also told me that it was unlikely that I would be reimbursed or compensated in any way. I have been a loyal customer to Bank of America for the past XXXX years and was incredibly surprised and crushed at their lack of fraud protection for those who use their services and am now out of all of the money I had saved up so far for my child 's college tuition.

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 2022-12-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureau to complete a thorough investigation of my report. They stated everything was accurate. After i completed my investigation, I verified there was multiple improper inaccuracies on my report. I have attached all account numbers and names to documents for review. 

In accordance with the fair credit reporting act my rights has been viloated. 

15 U.S.C 1681 section 602A 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Lockhart, Morris & Montgomery Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This bill is something that I have not received a statement for. It literally showed up on my Credit Report around two months ago. I disputed and the two credit bureaus have allowed it to stay on my credit despite not have a legitimate statement of a bill of any kind to tell me when this so called transaction happened, etc. Ive had health insurance for many years and usually dont receive any amount owed. This is the reason Im clueless as to what this bill is and why it went straight to my report. If it is an extremely old bill, I thought there were limits on how many years one can seek to purposely damage credit. Please investigate and let me know the dates, the place of service, etc as I have no clue since I havent/didnt receive anything concerning this transaction! Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation