BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
i sent XXXX to my friend in XXXX with bofa via XXXX. couple days later XXXX informed me transaction did not go thru and it takes 90 bussines days to refund. i decided to dispute with bank of america for quick solution cause i didn't want to wait that much. bofa gave me 2000 credit for a month to fix problem. than they took it back and my account went negative. bofa decline my claim 2 times cause they recieve information from XXXX that transaction went thru. i just recieve information from XXXX that they re saying they already refund my money to bofa. they re acting like i am a fraud. i been waiting to get my money back for 90 days. i believe this two companies need to contact with ea to fix this. all information attached. ty for ur help

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 2018-05-02
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX amount of {$7700.00}. I have disputed and sent Experian, XXXX  and XXXX   copy of court document showing that case under XXXX XXXX XXXX was dismissed and I am to pay nothing. I also sent a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: PA
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 not able to see my equifax credit report. I have Contacted them multiple times. They will not let me see my credit report or make an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I attempted to log into the mobile app for Bank of America checking account information. I was not able to log in and received a message to call the ( 800 ) customer service number. I was told by the customer service attendant that my account was in the process of being closed due to fraudulent activity. I was instructed to go to my bank branch and have the funds in my account transferred to a new account. At the branch office, I was told that I would not be able to transfer the remaining funds in my account to a new account so that I could have access to my funds and continue to utilize a Debit card for future transactions. I called the ( 800 ) number as instructed by personnel at the branch. The customer service representative told me that I would have to call back on Friday after the XXXX XXXX XXXX holiday. 

I obtained a copy of my account statement and noted that the statement showed a hold on a pending debit of {$880000.00} as of XX/XX/2019. I had no knowledge of such a debit amount and I do not understand the existence of this debit. 

I returned to a branch on XX/XX/XXXX, with a copy of my statement and asked a customer representative for an explanation of the action taken by the bank. I was told that the pending {$880000.00} pending debit was the banks way of identifying suspected fraudulent activity in an account. The representative attempted to get information by calling the banks internal ( 800 ) number but after a wait of over an hour the representative informed me that closing the account, refusing access to my remaining funds in the account and/or opening a new account so that I could continue with transactions I have to make would not be permitted because the account was closed as a result of a " Business Decision ''. 

I was finally told that I would have to return on Monday, XX/XX/XXXX to receive the funds I have remaining in the account but I would not be able to open a new account. 

I believe this action is discriminatory in that I have needed to make numerous transactions while maintaining only a nominal balance due to the fact that I have been out of work for a year and unable to maintain and utilize this account in the same manner as I have for over the previous 20 years when I used this account for direct deposit of my payroll 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 2018-04-26
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cavalry Portfolio Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2022 I took out a title loan with what I thought was a 30 % loan with the online website Loanmart. Loanmart is charging me 99.9 % on my loan. That is not what I signed up for. How is this legal? I've paid them over {$9800.00} with a large payment of {$4000.00} to get my title released. They applied that to " their '' interest instead of my principal a customer service reps informed me, and told me I should of read the " fine print ''. Now there's more fees from them and every month it's another excuse and more money they want. I feel like I am a victim of a " predatory loan '' scam at this point. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened an account in mid XXXX and funded this account with my XXXX XXXX bank closure. I closed because my local branch had closed. I saw Citi was giving a promotion that looked like something that would benefit me. A few days after opening I funded the account with my life savings. I also put my direct deposit and started with automatic bill paying and continued on with my normal banking. I logged on yesterday XX/XX/XXXX to see if my check was cashed by my vehicle insurance company. I then see my accounts have been blocked. I called and after 30minutes I get " We can not discuss anything in this account, it is locked and you will recieve your money when we close the account in 10 business days, good bye '' and they hung up. Frantic, I called today XX/XX/XXXX, it was the exact same story and hung up. I called my local citi bank branch who called the 800 number and later called me back stating " they will only talk to you, call XXXX extension 4 '' im thinking " great i can get the account unlocked ''. incorrect, it was the exact same story except this time it was 30-60 business days ; then they hung up. I called again today to see if anything has changed XX/XX/XXXX. Only thing i got from the call was that the account would be closed within 60 business days. I also wanted to verify the address where my money would be sent and when to expect it. They confirmed my address, but were unable to tell me when it was coming.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 I reported XXXX XXXX XXXX for adding extra fees to my mortgage for the last few years, and they refused to send me a retro payment of extra fees that shouldn't be on my account. I have an escrow of {$1900.00}, that should be sent to me as an overage for this year. All of my taxes for the year are paid, and there should be a refund sent. XXXX XXXX has refused to change my account as open on my credit report, and refuses to report my on-time payments to the Credit Bureau XXXX Here is my last receipt of reporting them online : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Website : www.consumerfinance.gov Phone : XXXX  XXXX XXXX  XXXX TTY : XXXX  We hope that this information is helpful to you. 

Sincerely, Federal Reserve Consumer Help Center Please do not respond to this message. If you need to contact us, please use the information listed below.

Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.FederalReserveConsumerHelp.gov | Federal Reserve System

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: AL
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 contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XXXX XXXX  until XX/XX/XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETEM IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, 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 2023-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
My life has been affected by the pandemic. I enrolled in hardship programs with the company that weren't explained well and the letter they sent out was misleading. I was given the wrong amounts for minimum payments which caused further confusion. I was also told once my account was paid they would file a credit correction but that never happened. If this is not resolved I will have to take legal action against the company because what they're doing is unfair to consumers who already suffered immensely during the pandemic. They reported my account 30 days late three times in a row which was not correct and also the program stated that you would not fall further behind. I was not 30 days late when I enrolled in the program. Please fix my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: EQUIFAX, INC.
State: CA
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:
In XX/XX/XXXX I asked XXXX XXXX  to dispute 6 accounts on my credit report that were collections. The investigation is still pending as of XX/XX/XXXX over 1.5 years I am unable to get XXXX XXXX and equifax to unblock the freeze and XXXX XXXX says to contacts XXXX XXXX and XXXX XXXX says to tell XXXX. I give up but I am in in credit purgatory and my rights are being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: AR
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX 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  : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-22
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: Account status incorrect

Complaint:
M

y consumer rights have been violated pursuant to 15 usc 1681a ( 2 ) ( B ) any item on my consumer report and consumer file that was originated through a credit card, in this case my social security card as defined in 15 usc 1602 ( l ), it should be excluded. I am demanding that the accounts be deleted from my consumer report and consumer file immediately as they are violations of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 usc 1681i ( 5 ) ( A ) I should be notified of reinserted accounts within 5 business days of the account 's reinsertion. I was not notified within 5 business days of this action, therefore, I demand that the account be permanently removed from my consumer report and consumer file immediately as this is also a violation of my rights as a federally protected consumer under title 15 chapter 41.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$350.00}

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 non-monetary relief
Consumer complaint received 2019-01-12
Company: EQUIFAX, INC.
State: LA
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:
There is currently a collection account on my report. Please remove : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: CA
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:
My account XXXX XXXX/XXXX  was paid on the agreed terms and was never late. However, Equifax still has not removed the 30 day late being reported on XX/XX/XXXX. Equifax is reporting inaccurate information on my credit file. On XX/XX/XXXX, I requested Equifax to verify this 30 day late and to send me the name, documentation and the exact and specific procedures they used to verify this late payment. I only received a generic letter response. I sent them another letter on XX/XX/XXXX and they still have failed to provide this vital information. And I still have a 30 day late on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion is causing me pain and suffering. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are in violation of the Privacy Act of 1974. I did not give XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX consent to report my nonpublic personal information. As well as, I do not ever remember doing business with any of these companies. Because my privacy rights are being violated, my family and I are suffering emotional damages, mental stress and health issues. I am suffering emotional damage while I am trying to purchase a safe and suitable home for my children. Me and my children will be homeless, because I cant get a home. All because Transunion has falsely obtained and disclosed my nonpublic personal information without my written consent required by public law. I am exercising my right to opt out of Transunion disclosing and collecting my information on these accounts, 15 U.S.C. 6802 6804 Obligations with respect to disclosures of personal information. Transunion is a non-affiliate third party to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Because these companies sent my personal information to Transunion more fraud has been committed against me. I would like for Transunion to give me the document I signed to give consent to share my nonpublic personal information. And if Transunion somehow finds forged consent, I still have an inalienable right to exercise my right to opt out. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' My intent is to seek legal counsel ; however, I am giving Transunion the chance to resolve this issue outside of the court system.

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