BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: SC
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:
XXXX IS IN VIOLATION OF MY CONSUMER RIGHTS. XXXX XXXX WILL NOT REMOVE FRAUDULENT ITEMS OFF MY REPORT AND HAS ALL THE EVIDENCE. I H AVE SENT IN PROPER DOCUMENTATION TO RMOVE ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRIES AND XXXX XXXX HAS VIOLATED MORE LAWS. XXXX XXXX IS IN VIOLATION OF : 1 ) 42 USC SECTION 408 - PENALTIES 2 ) 42 USC SECTION 405 ( c ) ( 2 ) - EVIDENCE, PROCEDURES, AND CERTIFICATIONS 3 ) 15 USC 1601 - TRUTH AND LENDING ACT 4 ) 15 USC 1602 ( g ) - DEFINITIONS AND RULES OF CONSTRUCTIONS 5 ) 18 USC 1028 A - XXXX XXXX XXXX  XXXX ) 15 US Code 1681a ( 2 ) ( B ) - XXXX XXXX XXXX, XXXX XXXX ) 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT XXXX ) 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 9 ) 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 10 ) 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 11 ) US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 12 ) 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 13 ) 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 14 ) 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 15 ) 42 USC 408- ALSO ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN XXXX INFORMATION THAT DOES NOT BELONG TO ME. YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! I WILL BE SEEKING {$1000.00} PER VIOLATION, DAMAGES AND PAIN AND SUFFERING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to express my deep concern and frustration regarding the unexplained closure of my XXXX business checking accounts with Bank of America on XX/XX/2023. As of now, it has been two months since the closure, and I am yet to receive any concrete information or release of my funds. 

The total balance in both of my accounts amounts to approximately {$250000.00}. I have exercised considerable patience, expecting a prompt and transparent process for the release of my funds. However, the lack of information and extended delays in resolving this matter have left me in a state of distress. 

Each time I have reached out to Bank of America customer service for an update on the status of my check, I have been informed that my case is under an unknown investigation. Regrettably, there seems to be no specific timeframe provided for the completion of this unknown investigation. The uncertainty surrounding when my funds will be released, coupled with the suggestion that it may take months or even years, is deeply troubling. 

I would like to emphasize that I have maintained accounts with other financial institutions concurrently, and I have never encountered such a situation before. The lack of transparency and urgency in addressing this matter has severely impacted my confidence in Bank of America 's commitment to its customers. 

I am reaching out to request immediate and transparent communication regarding the status of the investigation into my closed accounts and the subsequent release of my funds. I believe that a resolution to this matter should not be subjected to an indefinite timeline, and as a valued customer, I expect a more proactive approach to address my concerns. 

I kindly request that Bank of America expedites the investigation process, provide a clear timeline for resolution, and ensure the prompt release of my funds, as the continued delay is causing significant financial strain and distress to my business and me personally. 

I appreciate CFPB 's prompt attention to this urgent matter and look forward to a swift and satisfactory resolution.

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 2023-08-10
Company: EQUIFAX, INC.
State: SC
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 received a copy of my credit report on XX/XX/23 I recognized XXXX accounts that violate XXXX  XXXX XXXX XXXX ( XXXX ) ( XXXX  ). XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX I requested an investigation into this matter no one contacted me with any evidence to validate these accounts. Furthermore the information is inaccurate as well. I have included evidence that will show how these accounts are furnished improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a transaction was placed to XXXX for XXXX. A balance of XXXX plus was in account. 
After no delivery 5 to 7 days. A check with XXXX customer service automated service stated material shipped. Looking further into date for delivery a customer service rep. Stated payment authorized on XX/XX/2021, declined on XX/XX/2021. Navy federal Credit Union was contacted today XX/XX/2021, teller stated XXXX did not accept transaction in 3 days and money was not returned to may account. I would like the return of my monies to purchase medically necessary material. 
Can I get help with this theft?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: Information belongs to someone else

Complaint:
I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the item was never mine, they never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account permanently : 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 2022-10-12
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$120.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$110.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.

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 explanation
Consumer complaint received 2021-05-22
Company: Earnest Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Earnest overcharged me by {$370.00} on XX/XX/XXXX. This was after repeated back and forth to try to customize the amount I would pay ( I wanted to pay off my loan on an accelerated schedule ). 

I asked XX/XX/XXXX and received confirmation on XX/XX/XXXX that I would be charged the monthly minimum gong forward starting with the next payment on XX/XX/XXXX. I was billed twice that day, once for monthly min. of {$730.00}, then the additional charge of {$370.00}. 

This was after months of aggravating back and forth with their support team. Not blaming the support team so much as a lack of proper investment by management in their systems ; it's a highly antiquated system they force on their customers that lacks even basic features like same day verification of payments being received, or an ability to set auto-payments in a specific amount ( the amount must be coordinated through support, which can't take any action with less than about three weeks notice - yet they are dependent on you adjusting the payment schedule from bi-weekly to monthly ... which almost guarantees a misalignment if you desire to adjust the payment amount and cadence at the same time! ) I would have long ago abandoned their auto-pay ... yet they force this to obtain the lowest interest rate ... and then make it nearly impossible to manage. 

In my opinion, it's an egregious failure to provide a basic level of service to enable customer to pay what they want, when they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have contacted my bank to let them know I'm still having the same issues about the lender taking payments from my account. 
I have initiated a stop payment with the bank and was charged {$99.00} for the service but the lender/merchant is still taking payments from my account. 
I contacted the bank to let them know but every time I call no one picks up. I've left several voice messages but still they never got back to me. I want my money refunded from the day I initiated the stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to 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 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 2020-07-31
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea why this company is negetivly affecting my credit reports with their false reporting. I do not Know them or owe them anything!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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:
When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, 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:
Ive disputed Bankruptcy with XXXX XXXX Equifax and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Securities documents sent to WELLS FARGO as remittance transfers are not being credit to the account.Based on Truth on lending, WELLS FARGO is using my credit as well as making money from my signature by securitization but refused to accept their securities document and credit the account properly. This put me in a bind to want to research for company for XXXXXXXX XXXX for fee in the future if a solution is not being provide to notify SEC and IRS with the report about their security fraud and money laundering. If needed, they need to forward the securities to their XXXX XXXX XXXX XXXX  since that's their indenture trustee and provides a time frame when all the credit will be reflected to the account. They also need to train their employees that are telling me only money order, cash, check, cashier check are acceptable for payment. They signed their XXXX and XXXX but still do not want to follow law : securities act 1934 and security act of 1933 along with Title 12 CFR 360.6 ( a ) ( 2 ) and failure to perform : Title US code 83 ( a ) and title 16 CFR 433.1 ( d ). They are not providing their quarterly 1099s. 

WELLS FARGO issued a monthly Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. WELLS FARGO 's refuses to honor their note, despite the actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon the WELLS FARGO to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, WELLS FARGO unjustly benefits from the security.

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 2023-08-10
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedDEPT OF EDUCATION/OS XXXX  and DEPT OF EDUCATION/OS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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: Was not notified of investigation status or results

Complaint:
When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.

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 2023-08-10
Company: Frontline Asset Strategies, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just noticed that there is a charge from a collections group that I have no knowledge of. I need this removed immediately. Also this debt collector has no authority legally to even give information to the credit burea with out my consent. This would be an invade of privacy and certainly against the law. Now I ask this gets removed immediately because I have zero knowledge of this account.

15 U.S. Code 1681- Congressional findings and statement of purpose *There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/2022, I mailed a dispute to EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I informed them that they were reporting inaccurate information in my file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This item is inaccurate because the Payment History, The Date Last Active, and The Account Status are wrong, I am requesting this item be removed from my file immediately. 

I also supplied supporting documentation.

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