BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking, saving account together with a credit card application at the XXXX office VA of Bank of America on XX/XX/XXXX!

A few days later, the credit card arrived in a XXXX mail, which was already activated and ready to use! I dont know how that could be possible! So I called up the banker who opened the account for me. XXXX XXXX assured me that as long as the envelope was not open, the credit card shouldnt have any security issue! This message is different from what I learned before! I would like you to investigate the truth behind this message! Thank you About two weeks ago I designate the checking and saving account at Bank of America to be the bank account to receive the loyalty payment directly from XXXX XXXX! My books have been sold hot and people already started to copy the content and style of my books, but I havent seen the loyalty payment at Bank of America yet! So I went to the XXXX XXXX office VA of Bank of America on XX/XX/XXXX to report account fraud claim! The office was open, there wasnt any sign to say that the office was not operational or what! The big Bank of America logo still high on the building! But the people inside doesnt look like a banker! The things they were doing didnt resemble banker either! I would like you to investigate what happened on XX/XX/XXXX at the Bank of America XXXX XXXX office!

Today XX/XX/XXXX I called up the banker who opened the Bank of America account for me in the first place! He said his last name XXXX but declined his first name XXXX! When I asked him to transfer my call to the fraud department, he said he can not do that! Could you please investigate why he wasnt able to be himself and do his job?

I would like to charge Bank of America for employee-involved account fraud! There are millions of dollars deposits was erased from both my checking and saving account! The technology to retrieve all the data is handy! I would appreciate your help and justice!

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 2023-08-08
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There is an account on my Experian credit report that is to old and should be removed from my credit report. This account is affecting my credit. Please help. The account in question is from 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 2023-04-10
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In Accordance with the Fair Credit reporting Act Destiny Account # XXXX XXXX XXXX XXXXhas violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail from an unknown person claiming to be from " XXXX '' and attempting to deliver to me legal documents. I called the number back and requested that my number be removed from their list. They claimed they did not have a list and they worked with an attorney 's office. They asked me to verify my personal information and then told me they were suing me for a debt that I don't have any knowledge of, on behalf of an institution I had not had a relationship with in 16 years. The representative then told me " don't miss your court date '' and hung up. 

I believe a false claim to file a suit or to file a suit in bad faith to try to collect an account known to be beyond the statute of limitations ( if it was ever valid at all ) would be a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I have previously filed a complaint about a different matter, and found the outcome to be satisfactory, and hope to have this issue resolved similarly with the same due diligence as before. 

I have the following information reported that includes Returned Transactions : Routing Number : XXXX Account Number : XXXX Additionally, I have an account that I do not own that includes an incorrect DOB that includes the following : Furnisher : XXXXXXXX XXXX Routing Number : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: DISCOVER BANK
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A company called XXXX XXXX XXXX has been calling me since XXXX of XXXX and making suggestions that they will take me to court over a debit from Discover Card. I have never had a discover card, nor has anyone in my family. An account from Discover has never appeared on my credit report since I began monitoring it regularly in XXXX. They have also called my wife, my daughter and my mother saying they are sending someone to my house to 'serve legal documents '. I checked with my county and there is no legal case open against me in either XXXX  or civil court, which explains why nobody has come to my house. This company is engaging in harrassment of myself, family members, and making misleading statements suggesting they are a law firm when they clearly are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: GOLDMAN SACHS BANK USA
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
GreenSky lending lent us {$15000.00}. Within a month we had paid the amount in full of {$14000.00} after an initial payment. This amount has been on our record for the past four months and they have yet to remove it from our credit report. I have sent countless emails and have tried to get them to remove it to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: SYNCHRONY FINANCIAL
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 have a hard inquiry for a credit card company that I never applied with. I have never had nor do I want a credit card. How do I get this off my credit.

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 2021-06-21
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I sent a letter to XXXX, XXXX, and Equifax to dispute to 2 public record accounts ( bankruptcy ), 2 collection accounts from XXXX XXXX and 16 inquiries in total which is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is also a violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681a ( b ) defines person as : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am the consumer in fact and I never gave anyone permission to furnish my information. No consent is identity theft. 
The person or persons who invaded my privacy are fault via FCRA 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Prosper Marketplace, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Prosper stopped taking autopay and did not notify me causing payments to be late. They made no attempts to call, or mail 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 2023-11-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I made deposit at Chase ATM on XX/XX/23 at XXXX XXXX  of XXXX. ATM was located at XXXX XXXX XXXX XXXX MI. Machine took my money then gave receipt that said to call to check to make sure my deposit went through. I did and Chase credited my account. Then came back like 2 months later and reversed credit causing my account to be negative. I wrote XXXX XXXX  letter to reopen my claim which was faxed a few times from a branch to chase and they claim the didnt find deposit and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: HW Holding, Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
While in the process of trying to rent another apartment I ran into a problem with my credit history on an item from Hunter Warfield that has already been paid off however was never removed from my report, and now it is impacting me to secure a new apartment. Attached is a receipt of payment from the company that I paid out in XXXX. There is no reason for this to still appear on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I notice there were inquiries add to my credit report and filed a identity theft report with all 3 credit bureaus asking them to remove the inquiries however I never received a response and its been well over 30 days with no response

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 2021-06-20
Company: Experian Information Solutions Inc.
State: KY
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 a victim of identity theft submitted multiple requests to have fraudulent accounts removed from my credit report have submitted identity theft report from ftc listing fraudulent accounts as well as a police report and they still refuse to delete and block the accounts from my report I have provided all that's required by law to have them removed and they still won't remove them I don't know what else to do

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
INQUIRY REMOVAL LETTER YOUR NAME : XXXX XXXX XXXX YOU ADDRESS : XXXX XXXX XXXX XXXX XXXX  NY XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Credit Reporting Agency ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, ( Credit Reporting Agency ) to produce a contract between you and I consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you I My contact information is as follows : YOUR NAME : XXXX XXXX XXXX YOUR ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved INSPIRING

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 2019-11-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Creditor Name : XXXX XXXX Date : XXXX2018 I recently got my report and saw that this company ran my report XXXX XXXX and I have no idea what this coming from. I would like this to please be removed because it is really hurting my credit. Also, I would like original documentation of what this was for and deleted.

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 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
When I reviweing my statement I found 4 transactions I did not made them.

XX/XX/2018 XXXX *XXXX   XXXX XX/XX/2018 XXXX *XXXX  XXXX   XX/XX/2018 XXXX *XXXX XXXX   XX/XX/2018 XXXX *XXXX XXXX XXXX I filed a claim to Bank of America on XX/XX/2018 by phone at XXXX XXXX They told me that they will remove those transactions from my account They removed it but after about 2 days I found them again in my account And I received a letter from bank of america that they finished the investigation and I have to pay that amount NO one from bank of america called me or asked me what happend I did not made this transactions and I should be not liable for fraud transactions

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 2022-12-09
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:
Both Transunion and XXXX have claimed that XXXX XXXX XXXX has provided them with accurate information with regards to their reporting. XXXX, however, came to a different resolution. 

Im asking Transunion and XXXX to provide a copy of what XXXX statements they have provided to infer such resolutions. I've attached XXXX reporting on the matter. This is a third time ive address both companies.

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 2021-06-20
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX at XXXX AM, I called Regions Bank teller, XXXX, and informed her that five fraudulent checks had been processed and paid in my medical practice account. I was put on hold for 18 min. and the teller never came back on the line. I called the bank branch 's alternate different phone numbers and there was a busy signal all day, on all the lines. 

The signature on the checks was not mine. My signature was not forged. There was a different name I did not recognize on those checks. Also, the check numbers were grossly out of sequence. 

I also sent an email to the XXXX XXXX, XXXX XXXX, on XXXX, to alert him to the problem. No return phone call. I have been a customer of the bank for 39 years. 

The next day, XXXX ( Weds. ), another 20 checks with signatures that were not my name were processed. I was out {$7800.00} due to fraudulent checks, not including bank fees. I went into the branch that day and informed the branch XXXX that I needed the funds stolen to make payroll. I asked, when could I expect a refund of the theft and bank fees. The XXXX XXXX opined that it might take at least 15 days. He opined to my wife, my office XXXX, that we ( myself & my wife ) were the most likely suspects as perpetrators of this theft. 

At first, Regions Bank wrote that no credit to my account would be forthcoming ( see attached ). I contacted my lawyer who contacted the XXXX XXXX for the bank in XXXX, AL. This resulted in a provisional credit being issued. The bank XXXX was flabbergasted. 

In discussions with other Regions Bank bank personnel, I was informed that this type of theft occurs regularly. When I tried to obtain results of the banks efforts investigating this theft, even over a year later, I was informed that this information will not be shared with me. 

I did file a police report with the City of XXXX XXXX police. The investigation was opened and closed w/o discovering a perpetrator. 

On or around XXXX, I was told that my Regions Bank account of 39 years was being closed. I asked why. Various bank officers said they did not have to give a reason. 

I would like to know why the bank 's computer program that verifies customer 's signatures did not identify a problem-for two days running. Why the check numbers, being wildly out of sequence, did not raise a red flag, for two days running. Why I was hassled with two accounts, which at times required over an hour to transfer funds. Lastly, why did I need to retain a lawyer and pay legal fees to obtain the funds timely that were stolen as a result of the banks lack of controls and oversight. 

My legal expenses and my own personal time lost should be covered by Regions Bank. 

Finally, has Regions Bank identified the perpetrator and solved this allegedly recurring problem?

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