BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: POPULAR BANK
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with XX/XX/XXXX and made several transfers from my outside bank totaling {$500000.00} dollars. The purpose of this account was to fund Two Popular direct CD accounts that I opened at close to the same time. Popular Bank put a Fraud Hold on my acct. and would not let me move my money from the savings account to the higher interest rate CD accounts. I called several times trying to verify my identity and have the fraud alert removed from my account and finally they told me to send a copy of a voided check to their fraud dept and wait 4 days and this would fix the problem. I sent a copy of the voided check and waited the 4 days. I again called Popular Bank to inquire why my acct was still on Fraud hold. they claimed they could not read the document I sent them. I opened the email I sent and it is perfectly clear. I finally requested they close my accts and return the money to the outside acct that I sent the funds from that is also linked to the acct. They agreed to do so and said it would take 2-3 days. It has now been 3 days so I contacted them again today. The customer service agent from Popular Bank said my acct is still on fraud hold. This is a very difficult situation and Popular bank fraud dept will not release my fund nor contact me directly to resolve this situation. They are holding all my money and will not return it.

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 2023-05-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 items 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, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX/XXXX  XXXX Balance : {$0.00}, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: PA
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 previously notified Equifax that I found fraudulent information on my credit report. Instead of blocking the reporting of this information as instructed by congress they claim that they did an investigation and updated the information, but failed to let me know what was updated. I am entitled to review any information attached to my credit file. I want to see the name of the person that verified this information, what was updated and provided me with proof that this information came from a first-hand source that has first-hand knowledge that the account belongs to me, and that the information provided was in fact 100 % accurate. If this can not be provided, please remove the named accounts immediately! 15 days should be enough time to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter and you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2023-02-14
Company: Ray Skillman Northeast Buick GMC Truck Inc
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went into Ray Skillman Gmc to do a consumer credit transaction in good faith ( pursuant 15 U.S.C 1642, 15 U.S.C 1681m, and 12 cfr 1002 ) but credit was not issued. They approved me for a XXXX and I was going to sign my papers. Then they changed the terms of the contract and said they couldnt sell me a vehicle. They said because I didnt have a license, they could sell me a vehicle if it was the lenders currency. But because it was coming directly from Ray Skillmans bank account then they couldnt sell it to me. 
Ray Skillman is in violation of 15 U.S.C 1681b ( 2 ) - I did not agree for them to run a consumer credit report. 15 U.S.C 6802 ( b ) ( 1 ) - They did not say I had an option to opt out. 15 U.S.C 1681a ( k ) ( 1 ) - Adverse action to the interest of the consumer. 15 U.S.C 1691 a ( 3 ) - I was discriminated against.

My credit card ( social security card ) ( Pursuant to 15 U.S.C 1602 ( i ) -any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ) was ran and I received no benefit which is proof of fraudulent activity. 
After this experience I feel disrespected, belittled, and hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, I have reached out to the three credit bureaus multiple times to no avail. Their negative reporting of false information is hindering my financial wellbeing and ability to provide for my family. I have been trying to prove myself and have these false items removed, I am always turned down and they are infringing on my rights as a consumer which is a violation. Per 15 usc code 1681 these companies have not done their due diligence in ensuring me a fair and accurate credit profile and I wish for that to be immediately corrected and fees for damages as this has been detrimental to my life and I have been trying to resolve it for months now with no help. I have attached a copy of my driver license with my 1 and only name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX is showing 3 fraudulent checking accounts that are not mine. I have already gone to each of the banks and made seperate complaints to have these accounts zero out, and removed. 

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 2022-12-06
Company: EQUIFAX, 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:
I am a natural person a human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. They have violated my rights numberous times. I demand the inquiries listed below be removed because according to 15 USC I have the right to privacy and I did not give Equifax written permission to furnish these inquiries nor do I recognize any of these. 

XXXX XXXX XXXX XXXX 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 2021-02-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom this may concern, I would like to know what happened with the money I sent {$68000.00} to pay my loan # XXXX on XX/XX/2021. 

This loan number corresponds to XXXX XXXX XXXX XXXX, CA XXXX. 

The morgage company information is : XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX I called every single day, but nobody answer phone calls. 

I have sent plenty of emails and faxes, but no answer either. 

I am sending copies of my payment through a wire transfer. 

Thanks for letting me know why my loan is not payoff yet. 

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 2023-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Fifth Third Bank will be the next bank that is illegally triple-charging overdraft fees when they can not explain why the fees were assessed with to begin with. I have had an account for Fifth Third Bank since 2016 and I never had an issue with them until the last year -- when I noticed they have been charging customers for overdraft fees. I experienced this over the weekend, monitored my account everyday -- and woke up this morning to {$110.00} as one charge -- of overdraft fees and no one could explain it to me that would make it make sense -- when I was depositing money every single day and it never showed me my account balance was in a negative. Not only that -- they held the charge for 4 days -- and posted the charge on the day my account was low. Even then, with their policy -- that states that as long as the funds are deposited by XXXX the next day, I will NOT receive an overdraft fee -- and yet, I will still charged. This has happened to many customers, and enough is enough already. Legally, this is unacceptable and I'm sure there were many other customers that experienced the same exact thing as I did today. Think about, if you can scam at least XXXX for {$110.00} in overdraft charges -- that's a total of {$330000.00} total they just recovered and will do nothing -- absolutely nothing -- to waive those fees for their customers. Please investigate -- these banks are getting out of control with these overdraft fees and we feel as if we have no other choice but to deal with it because these banks refuse to work with us giving us the answers we need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/20 I received a Loan Estimate stating that I was getting a Lender Credit in the amount of {$10000.00}. When I finally closed on XX/XX/20 there are no Lender Credits showing on the Closing Disclosure dated XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX Experian received certified letter stating inaccuracies in my report. 

Experian did not answer withing the 30 days they they have to respond by law. 

XX/XX/XXXX Experian Received followed up letter to delete inaccuracies that they did not respond to as of XX/XX/XXXX as of today Experian has not responded and they keep reporting the inaccuracies they they did not respond to as of XX/XX/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 2022-04-16
Company: EQUIFAX, INC.
State: IN
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:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: GA
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/2022, Experian received a dispute about an account on my consumer report, XXXX  XXXX XXXX, XXXX, As noted, I have submitted numerous disputes about this account. Experian noted that the estimated resolution date would be XX/XX/2022. As of XX/XX/2022, Experian has not completed this disputed. It has been well over 30 days, and they have not been able to validate this account. According to the Fair Credit Reporting Act, Experian had 30 days to investigate the dispute and remove any items proven to be inaccurate, unless notified that it may take longer. As of XX/XX/2022, I haven't received any notice that Experian needs more time to investigate the account. According to law, this account has to be removed if they are not able to validate the account. Remove this account from my consumer 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 explanation
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have read the article about Originator. I don't really understand. What I do know is that the word means to me is the original. The start is the beginning. Our mortgage is an example We built this house in XXXX thru XXXX XXXX XXXX. We put in a {$7000.00} dollar down payment. In XXXX we thought we were refinancing with XXXX. We refinance to get {$10000.00} to finish our Bonus room. It was not until this situation we learn it was Bank America. BOA gave XXXX ( {$170000.00} ) My husband said the closing was at XXXXXXXX XXXX that night. He had just left work. He also said it was only 2 people there, him and a XXXX lady. Who was at CLOSING?? XXXX or Bank America?? Who got the Loan from XXXX XXXX XXXX? Who did the XXXX lady Represent?? Bank of America gave XXXX {$170000.00}. The loan went from {$170000.00} to {$190000.00}. Why didn't Bank of America buy the Loan from XXXX XXXX XXXX directly? Why was XXXX involved in this process? All of this was planned. The Originated date was not XXXX as Bank of America stated they stand by their Documents. The Originated date is XXXX. Where is the payment history for XXXX some documents are not accounted for? During that time I always sent at least {$100.00} extra with my mortgage payments. Was this legal for Bank of America to pay XXXX this money? No!! it wasn't. This is double dipping, everyone is getting paid. Then that leaves us without a house. Now, I have Bank America sending Encrypted emails telling me to download because my computer is not secure. Now, Today 's email from XXXX tells me to respond because of some security issue. This is harassment and retaliation View the full complaint. Why Bank of America Resolution Specialist going offline to send CFPB private letters? Why are they sending me letters stating they are not going to compensate me monetary or any other compensation. They said they stand by their decision. 

View full complaint

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 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Accounts XXXX of XXXX closed account ( XXXX ) XXXX XXXX closed account ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX- 4 inquiries 15 USC 1681 section 602 A , states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a 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 non-monetary relief