BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In  XXXX , I had filed a claim in the amount of {$200.00} and was issued a temporary credit of {$200.00}. The claim was recently denied and the {$200.00} was taken back out of my account on XX/XX/XXXX  which caused my account to go negative. I deposited cash into my account to make it a positive balance. Yesterday,  XX/XX/XXXX , the bank withdrew fees of {$100.00} which again made the account go negative and cause another NSF fee of {$35.00} to be withdrawn in addition to the {$100.00}. I had filed a CFPB complaint on  XX/XX/XXXX  in regards to the bank not properly disclosing a change in process regarding fees. The complaint number was  XXXX . These {$100.00} fees from  XXXX  were in relation to that same scenario which previously got corrected by the bank in  XXXX . I contacted the bank this morning and spoke with someone in claims who said they were n't the right department so they transferred me to collections, who of course was n't correct. I called on my lunch and spoke with the general customer service who said they would have to transfer me back to claims. Again, they said they could n't help me. I am asking that these fees be refunded back to me in order to put my account back into the positive status that it was prior to them being taken out. I have been a customer of this bank for 20 years and the level of customer service is horrible now compared to what it used to be. I even recently had fraud on my debit card which I know is increasing from every bank, but the customer service I received at the branch when trying to obtain a temporary bank card ( which I never got ), was ridiculous. They told me they were too busy and that I 'd need to make an appointment, but that if I could just wait a few days my card would come. I 've seriously considered small town banking again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Bank of America. I connected my external bank account to my BofA account through the online banking system they offer. I set up a transfer to have my funds from another bank deposited into my BofA account. I had two transfers initiated because each transfer has a limit of how much can be transferred at once. Two days after the transfers hit my account I tried using my debit card. Declined. Why? I had plenty of money in my account. So I call customer service. They informed me that they closed my accounts due to a " business decision ''. They would not provide me with a valid reason as to why. My account was closed on XX/XX/2022 and we are now at XX/XX/2022 and I STILL do not have my funds. Every time I call Bank of America they give me the same answer. " A Cashier 's check was created but we had to forward your case to another department for further review. '' When asked to speak with that department I am told that I have to wait for them to contact me via email. They can not be contacted via phone call, transfer or email. This is ridiculous and I just want my money so I can go to a bank that will value me as a client.

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 2017-05-11
Company: Checkr, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On  XXXX   XXXX   2017 ,  Checkr reported to  XXXX  about my background check. This included  XXXX  violations which was dismissed by a Judge last  year in  XXXX  NC. I sent emails to Checkr and  XXXX  explaining the incomplete report but in vain. NC state uses point system to convict offenders and I have  XXXX  points on my driver license. Please help to fix this confusion because I 'm a  XXXX   XXXX  and driving  XXXX  helps to support my family financial needs. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. I implore you to take immediate action to update my account.

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 2023-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
hello. 

my credit report looks very suspicious there is hard inquries and wrong balance showing on the report so im not able to do anything with it i tried to despute with company im not getting any result i have not had a car in 8 years i see hard inquries on my report I never had XXXX phone but it shows i owe them money and couple of credit card in my name that i haven't had in atlest 8 or 9 years so please help me take care of this problems thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Property Address :   XXXX   XXXX   XXXX     XXXX   XXXX  , NC  XXXX  : See Attachment A : Repeated Demand MANDATORY QWR response.
Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act   XXXX   https :   XXXX   2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts.
3. ID Theft notifications.
4. Explanation for perjury, fraud and fraud upon the court in case #   XXXX   Inre :  XXXX , SEC.gov and   XXXX   XXXX  ,   XXXX   XXXX  , clerk files and land records. see attachments a : POC b.Disputed/Denied Debt.
5. Explanation for contract failure ( s ).
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired.
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust.
8. Copies of Form 1003, 1007 and Appraisal.
9. Copies of ALL BPO, Appraisals and valuations  XXXX  purported origination until   XXXX   XXXX   XXXX  .
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until   XXXX   XXXX   XXXX  .
11.   XXXX   XXXX   is preparing litigation however the   XXXX   XXXX   XXXX  , Bank of America and misc servicers are refusing to identify MANDATORY information in order to allow ALL defendants to be litigated while attempting to notify VICTIMS of the bond certificate scam.

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 2023-08-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, MO XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being TRANSUNION, XXXX AND XXXX ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!

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 2023-08-09
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: SC
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:
XXXX - Equifax is not scoring my credit report correctly. My consumer credit report was XXXX last month. This month it is XXXX. I make all my payments on time, I am never late. My utilization is below 6 percent ever month.The balances on my accounts are not too high compared to loan limits. None of my accounts have a severe delinquency or a derogatory status. I have no unpaid collection agency accounts. I have attached a copy of my consumer credit report. This inaccurate credit score is hurting me and my family from purchasing from creditors. Please inform Equifax that the XXXX XXXX  XXXX is at fault and the law requires all credit reporting companies to report accurately. I will continue to report complaints to the C.F.P.B if this continues!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TD BANK US HOLDING COMPANY
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Nordstrom. The Account Opened is Nordstrom Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of the alleged debt. I received a letter dated  XXXX   XXXX ,  2016.  The first paragraph stated, We are in receipt of your letter of dispute and request for verification pursuant to Fair Debt Collection Practices Act. Regarding your demand for verification including original signed contracts, copies of state licenses, and our agreement with original creditor listed on this account, etc., THERE IS NO BASIS IN LAW TO SUBSTANTIATE YOUR RIGHT TO SUCH INFORMATION.   It is evident tha t Medical Data Systems do n ot have proper documentation to collect this invalid debt. I have the right to request documentation with my physical signature ; as identity theft is at an all time high. Ive sent a complaint to BBB as well as Im in distress with the tactics of this company and how theyre destroying my credit worthiness. Feel free to respond to this complaint wit h HIPPA RELEASE, Medical  records and/or documents signed by me. If f Medical Data Systems h ave a right to collect, then they have a duty to produce legitimate validation until I receive documentation requested ; m y HIPPA rights  have been violated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The 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 non-monetary relief
Consumer complaint received 2017-05-10
Company: TFC Group, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Trading Financial w ill not submit any payment history, statements, payoff letter or any of my requests for tangible copies to a title loan I got from them for {$5000.00}. I have made several attempts to call and email for this information and they do not respond.   In addition the payments I have made for the $  XXXX /month owed have been for $  XXXX  mos  and above. That was 22 months ago.  Three  months ago I asked over the phone what is my payoff balance and I was told " {$3800.00} ''. I requested payment history, provided an email address in which to send it to and got nothing.   Yesterday I called again, they said my account was in " recovery '' ... I explained I 've paid extra every month, where is the payment history that I never received? I asked what is today 's payoff balance? They said " {$5100.00}!!! '' I ca n't get an answer from these people as to why, what or anything and I have no idea if they are practicing legitimately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: LA
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 initially sent a series of letters to the credit reporting agencies and creditors, with the last being o XX/XX/2021 which was, y second or third request. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX  updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
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 REMOVE THE FOLLOWING FRAUD ADDRESSES AND ACCOUNTS FROM MY CREDIT REPORT TODAY : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX GA 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 2018-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called Bank of America in XX/XX/2018 informing them I made a terrible mistake and had forgotten I had given my Son XXXX XXXX permission to take money from my bank accounts If I ever became seriously ill again. Frauds Department had already processed this claim as a fraud and gave money back to my account on this transaction. I told them several times in XXXX, last month, this was not a fraud and I had forgotten I gave my son permission. See my affidavit uploaded here., the bank said they would begin to reverse the claim and process it. On XX/XX/XXXX I got a letter uploaded here also, from some banking department saying the claims that my son has made an issue would not change in their decision. Regardless of my many calls to the bank in XXXX informing the bank I made a big mistake, that I had forgotten I had given my son permission for my banking matter when I was ill again. The bank did not reverse the claim and said the decision was final. How can this be? This is very wrong and their first decision was based on false information I had mistaken gave them to act on.. Now the bank is still pursuing my son for recovery of the funds when he has done no wrong. He was only doing what I told him to do. The bank needs to correct the error and reverse their decision. Iconfirmed many times in XXXX that this claim was an error filed by me. I never sent them in any paper work or affidavit either, until just now confirming here that this was not a fraud. My son was only obeying what I told him to do. 
I have drafted a notarized Affidavit today so there will be no more misunderstanding about the facts and circumstances in my banking matters and this claim which had a claim # XXXX. 
This affidavit clears my son of any wrong doing and is documented that I made a big mistake and forgot I had given my son permission to take money from my bank accounts.

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