BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing this complaint against Bank of America regarding their decision to place a hold on my check deposit from the United States Treasury Department, which is in violation of federal and state laws. 

On XX/XX/2023, I deposited a check from the United States Treasury Department in the amount of {$15000.00}, which represents my federal tax return money. Under federal law, banks are required to make funds available for withdrawal by the next business day following the day of deposit, as set forth in 12 C.F.R. 229.10 ( c ) ( 1 ). Additionally, under state law, banks must make funds available in a timely manner and can not impose an unreasonable hold on deposited funds. 

Despite these legal requirements, Bank of America has chosen to place a hold on my deposit for a period of ten days, causing me significant financial hardship and placing me in a difficult financial situation. The funds in question are my tax refund, which Im entitled to receive promptly and without unnecessary delay. Moreover, the amount of the check is not an exceptional amount that would justify a hold, as confirmed by legal professionals. 

I have already contacted Bank of America regarding this matter, but they have refused to release the hold on my deposit. I demand that Bank of America immediately release the hold on my deposit and expedite the transfer of the funds into my account as required by law. 

I request that the Consumer Financial Protection Bureau take appropriate action to investigate Bank of America 's violation of federal and state laws. I also request that the Consumer Financial Protection Bureau direct Bank of America to release the hold on my deposit and expedite the transfer of the funds into my account as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/XXXX, a e-checking account, Membership savings account, and credit card account were fraudulently opened under my identity through Navy Federal Credit Union. I was informed about this because Navy Federal Credit Union ( NFCU ) sent several items through the mail to my physical address, even though I did not open an account. I called them, and they closed the account and froze my social security number. However, in XX/XX/XXXX, a separate credit union attempted to open a new account under my name. Starting at this point, I started to do research, and I read about my rights under the Fair Credit Reporting Act ( FCRA ) section 609 ( e ). Specifically, that I have a right to access any business documents related to these fraudulent accounts under my name. In XX/XX/XXXX, I wrote a letter to NFCU, requesting any and all business documents. I provided them with a copy of my WI issued driver 's license, the police report detailing the identity theft, and the Identity Theft report taken from the FTC 's webpage. This letter was delivered on XX/XX/XXXX. The FCRA gives 30 days to comply with the request. As of XX/XX/XXXX, I have not received any documents, and the only time I get an answer is when I call them. They have informed me that they require a subpoena to release the documents. Via phone calls I initiated, NFCU stated that the application was done over the phone, so they can't release the application, or that the business records are owned by NFCU, and a subpoena is required to access them. However, the FTC 's stance on the FCRA is that a subpoena can't be required of an identity theft victim to access business documents related to fraudulent accounts created under their name. I have shared documentation with NFCU on the language of FCRA, and FTC 's stance. I have also shared with NFCU their own documentation taken from NFCU 's website regarding supplying documents to victims of identity theft with business documents within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went in person to close my account at TD Bank. I was told I need to withdraw my balance so there is a zero dollar balance in order to close and that I had to check off " close account '' and sign on the withdraw slip. I did exactly that. They now refuse to close my account and are even threatening me over the phone ( Branch Manager and Supervisors in their support center ). They are also threatening to send me to collections for overdraft fees that didn't exist until after I closed my account. I simply wanted to close my account with a zero dollar balance. They refuse to give me a copy of my withdraw slip which proves my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TMX Finance LLC
State: AL
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:
I have called InstaLoan multiple times and sent the company emails due to a charge off that is not mine. I have never used this company and I want it removed from my alternative lending report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern, I am writing this complaint in the hopes of helping to fix a broken component of the 3 credit bureaus reporting system. 

When consumers pay to pull a credit report when checking on an individuals credit history, they do so in the hopes of receiving accurate information. 
This supposed accurate information helps the consumer to make a decision as to whether to do business with someone, give them a loan, lease a car, or let them rent an apartment ETC. One assumes that the credit bureau themselves have done the proper due diligence for this information to be available. 

Truth be told, the 3 credit bureaus have a policy now to NOT allow the individual landlord, or in fact, any landlords that have less than XXXX units, ( or in the case of transunion, less than XXXX units ), to give any information about renters who have stopped paying their rent. The 3 unions refuse to take this information. Of course, tenants who stop paying their rent and even never pay what they owe the landlord at all, are the kinds of consumers that other landlords, loan brokers, and car dealerships etc hope to discover when they pay for and pull a credit report. This should not be the case. 

In fact, even when a small claims court judgement is rendered, they now will no longer notify the 3 credit bureaus as they have found it too cumbersome. So even with a court judgement and proof that someone has ongoing ( even years of ) unpaid rent, that information will not show up on their credit report. 

This helping the credit bureaus bottom line should not be allowed and should be rectified. 
The 3 credit bureaus are selling a service in good faith, whereby with their information consumers make meaningful and expensive business decisions. It is the credit bureaus ( legal? ) responsibility to do their due diligence and give the business consumer accurate information since when paying for the 3 credit bureaus services, that is what the business consumer is assuming they are getting.

If the 3 credit bureaus not care to fix this injustice, then a large capped disclaimer should be at the top of every single generated credit report stating all the exclusions of bad credit that the credit report WILL NOT REPORT. In the case of delinquent renters, these are massive in numbers as many of the rental units across the country are in buildings with less than XXXX units and XXXX units respectively. 

I hope and trust that this matter will not be passed over. 

Sincerely, 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 2023-01-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXXBalance : {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX / XXXX XXXX XXXX has misreported my mortgage with them as CLOSED to Equifax ( XXXX and XXXX are currently fine ), causing a XXXX POINT CREDIT HIT to my score. I have contacted them several times, including TWO disputes through Equifax, a XXXX complaint, and they keep reporting my mortgage as {$0.00} balance closed. I would like them to properly report my mortgage to Equifax as PAID ON TIME, Unpaid Principal of {$7400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
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:
Contacted Student loan debt collector ( XXXX XXXX XXXX Credit Reporting department in regards to reporting on my credit report. Requested under the Privacy Act, 5 U.S. 552a, to not disclose my personal information to any 3rd parties. Such as Affiliates, Non Affiliates, Joint Marketing, Credit Bureaus, any other companies. 

XXXX XXXX sent me an email on XX/XX/2023 stating Your XXXX XXXX loan listed below will be reported as delinquent to the consumer reporting agencies on XX/XX/XXXX, XXXX reflect on my credit report Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years. 

When I asked specifically for XXXX XXXX not to report it. Why are the laws set in place if companies can just respond like this after asked not to. Especially when i am the original creditor. Also sent the company a letter in regards to dishonored negotiable instrument violations, if the negotiable instrument is not accepted then XXXX XXXX is to discharge the debt, company refused both and no correspondence. Will be also sending this information to the IRS whistleblower.

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 2022-11-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested an " additional card '' on my existing American Express Account to allow an independent XXXX, XXXX XXXX to make business related purchases for me while I was attending other things. 

American Express had no right to tag her and hurt her credit score as a result of this " affiliate '' card, which should have never been construed to mean that XXXX was accountable for any of the debt existing at the time or for any new purchases. 

XXXXXXXX XXXX  credit score immediately reflected the high balances form XXXX XXXX and hit her credit score for XXXX points dropping below XXXX. 

I contacted American Express immediately by phone once I was notified by XXXX. AMEX did nothing to correct the problem. 
They sent a letter stating I should contact the credit bureaus, which I did in writing and copied to AMERICAN EXPRESS and XXXX. 

No corrective steps have been taken. 

I requested for AMEX to cancel the " affiliate card '' which was never ever used for a purchase and to correct the record in XXXX 's history that that card was never her responsibility to pay or otherwise be associated with. 

I feel that this issue is one that CFPB should get directly involved in and correct where it is likely affecting 1,000 's of people every year and it is a gross overreach by credit card companies and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: ALLY FINANCIAL INC.
State: FL
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 want them to delete that from my Credit that affects me my credit they request credit without my authority

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 2023-09-07
Company: Experian Information Solutions Inc.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-11-16
Company: EQUIFAX, INC.
State: MD
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:
They don't communicate with one another. 

XXXX, XXXX and Equifax report differently in term of the dates and some amounts. They have closed my complaint but I'm not satisfied with the result of their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Self Financial 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: Their investigation did not fix an error on your report

Complaint:
Creditor agreed to fix and update my 2 accounts with them after they were closed for months. I have been waiting 4 months for them to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Me and my wife have been going through a divorce process. I found out that she added me to a credit card as a joint user and she claimed on the divorce papers that I have been served to divide half of the debts which is not fair because I never authorized her to add me to credit cards or credit records including federal assistance. I would like to solve this with XXXX XXXX. I have even called XXXX to report that issue and that is still showing on my credit report/score. I would like all this removed including debts and credit report for the XXXX. I also don't have any knowledge if she is still using the card that's under my name.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've Sent Letters Made Phones calls to XXXX Experian and XXXX about some troubling items I found in my credit report I've begged for theses items to be removed immediately from my credit report. because it is affecting my creditworthiness and I feel like this is very unlawful and unconstitutional. listed below are the negative items affecting me. I've also included the letters i've sent to XXXX Experian XXXX that i know they received along with the ftc report their requested my proof of id and bill address are in the letters why are theses items being reported without my consent and knowledge. the companies job is to report fair and accurate imformation to my report and theses items are not. 

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

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 2022-04-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I used to live on XXXX XXXX XXXX XXXX and someone stole my laptop along with all my information such as social, Driver License, passport and also wallet. They opened savings account under my name and also cell account and loan. I reported to the XXXX police department and did a FTC my social was used and dont know who. Please be careful people called me saying from the social security also emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Ive been having issues with Goldman Sachs since the transition from XXXX XXXX. I was receiving paper statements since the transition. However they had my name wrong and when I went to change it to my legal name I have not received a paper statement since. I did not change that option myself. Numerous customer service reps have been unable to assist me and keep transferring me to another who doesnt know. I have at least 3 customer service reps written down that have failed to resolve this issue. I highly suggest actually using your recorded system to do a quality check on my account and unsuccesful attempts I have made with no results. Im sick and tired of getting " potential spam '' calls from this company and remaining unresolved. My monthly hardship agreement with XXXX XXXX prior to the transition is $ XXXX. Now its accumulated with fees probably and no one can help me. If I dont get a paper statement I do not know when my payments are due.

Company response to consumer: Closed with monetary relief