BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a hold was placed on my Bank of America account by the state of Connecticut for back taxes from the year 2014. I had been paying on these and had neglected to use their automated system correctly. I called the state XX/XX/XXXX and worked this out with them and they sent a fax to Bank of America requesting the lien be released. On XX/XX/XXXX I again called the state of Connecticut as I realized they had incorrectly also charged me for two years I did not live in the state. They apologized and sent a second fax to Bank of America asking them to expedite the release on my account. I also called Bank of America XX/XX/XXXX and was told it would take XXXX business days for the hold to be released, and that any overdrafts in that time were my responsibility. I asked at that time to speak to Bank of America 's legal department as it did not make sense to me why it would take so long to release this hold. They assured me it took that amount of time due to the many holds they received and that I would, indeed, be responsible for overdrafts accrued in that time. On Tuesday, XX/XX/XXXX, I again called Ban of America and was told the hold would be released within XXXX hours. Friday, XX/XX/XXXX, the hold was still not released and I called and spoke to a supervisor in Texas. he called the legal department and assured me the hold would be released Friday at XXXX XXXX XXXX time. It is not Saturday, XXXX, and my account is still unaccessible. I now have accrued almost {$300.00} in overdraft fees, due to automatic bill payments, and will likely still accrue more this weekend. I am appalled at this practice. I do not believe it takes XXXX, and no XXXX business days to release a legal hold on an account, I believe this is yet another way for Bank of America to take fees from people who can ill afford it. They don't care if they lose my business, that is clear, their corporate accounts are all that matters. I have been with this bank for 24 years, and can not believe this horrific service.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/XXXX ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-09-15
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax reply meet FCRA requirement as and explanation under the FCRA consumer reporting agencies are required to provide consumers with information in own file upon request.to make a statement along meet FCRA requirement dose not necessarily mean the FCRA laws are being followed meet FCRA requirement is intended only as a general commentary any debt collect can report anything to Equifax File.as a consumer I should be able to see start balance -- -- - unpaid balance and reason for the balance with my signature on it I ask only that the information be made available to FCRA are to me as the consumer if Equifax is unable to provide the information they should not continue to report false information into one file account credit collection service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom It May Concern : The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

You are allowing a Fraudulent account to appear back on my credit report after you have already deleted it TWICE. The account placed a WRONG address on my credit reports as well! I never lived at XXXX XXXX XXXX XXXX, WY XXXX. Why am I still battling with you to delete the Wyoming address. I never lived in Wyoming!! I pay all of my bills on time and have zero negative items on my credit report. Experian has deleted this item on XX/XX/XXXX report # XXXX, Then again on XX/XX/XXXX report # XXXX. 

On XX/XX/XXXX, Experian responded to my CFPB complaint # XXXX that the account is not apperaing on my personal credit report. This is the THIRD time it has been deleted and still apperaing on my credit report! 

Experian responded : " According to our records, the disputed information does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. '' 1. The following account is not mine XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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 2023-12-07
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: AZ
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:
hard inquiries on my credit report with no permission, 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: IL
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:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2023-12-07
Company: American Credit Acceptance, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is charged off. If this account was indeed a charged off why didn't I receive 1099 C form from the creditor. They got a tax credit off and I should not have this debt on my credit profile. Please send me any forms and documentation that you have the right to report this a debt if you can not do that please remove this debt from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 currently have some unauthorized inquiries appearing on my credit 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 2022-05-05
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: FL
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:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over XXXX  days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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 2022-05-05
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-06-04
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:
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 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 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 an 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 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 2022-03-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Toyota Financial Services ( TFS ) has been attempting to draft payments for a vehicle that has been paid off/account closed for the last 3 months ( Pay off date XX/XX/2022 ). After consulting TFS, I canceled autopay, prior to payoff, and even closed my TFS online account as an attempt to resolve the continued billing on a closed account issue. Considering I have taken all available steps a consumer possibly can, I am referring this issue to XXXX, as well as the FTC and CFPB for review/resolution. 
Note : A review of XXXX  records will show this is a systemic issue with TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On multiple occasions I have disputed the incorrect account information reporting on my Experian credit file. Experian is showing a closed XXXX XXXX account that has late payments and a closed XXXX XXXX   account that has late payments. I have never been late on payments to any of these accounts. Furthermore, XXXX  and XXXX  have the exact same accounts reporting and they are reporting accurately with no late payments.

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 2021-03-03
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I was contacted by Quicken loans to do a refi on my new mortgage under the guise of saving me money on a monthly basis. The rep at that time stated that they were able to do an interest rate of 2.25 % with XXXX down. I said that sounds good but I need to think about it and requested the information in writing. The rep then emailed me the requested documentation with the loan information. The rep called back on XXXX and reverified the terms of the loan would be 2.25 with XXXX down, stating that my credit pull was needed in order to lock in the rate. I agreed with that specific promise of those terms. THe rep performed the credit pull and began to ready the load. The rep then returned to the call stating that the market had shifted slightly and the closing cost would be higher at XXXX. He stated that he wanted to wait a few days to get the closing cost back down and I agreed. He never called back, I left two voicemails for him and my calls went unanswered. In the interim another rep called me again stating that they could do a refi as if I never talked to the first rep. He then stated that it would be 2.5 with XXXX down and I advised thats not what I was told before. He said the 2.25 would be over 2000. I asked for a supervisor and he said one would call me back. I never heard back from a supervisor. I reached out to a personal contact in the compliance dept. who had a team member call me on XXXX she escalated the matter saying they could remove the credit pull. On XXXX I spoke with a XXXX who presented himself as a supervisor. He stated he would review and get back to me next day. He called on XXXX stating that the best he could do would be 2.75 with XXXX down. I advised this was unacceptable when I was guaranteed a rate of 2.25 with XXXX down which is the only reason I allowed my credit to be run. We disconnected our call. On XXXX I received a call from a XXXX with Quicken who again said he was calling to save me money and do a refi. He stated he could do 2.75 with XXXX Down. I advised him this was different from what was stated just last night at XXXX. He then stated we should look at conventional. He said he wanted to pull my credit to which I stated he was not allowed to do as they had already done so on XXXX. The rep did so anyway with me being immediately alerted that it was pulled. I questioned him to which he lies stating he did not do it. I disconnected the call. I was then called by a director stating he could do a different deal I told him this is crazy that they keep making up numbers and not honoring their original deal. I then received mail from quicken on XXXX stating that it was loan paperwork from XXXX with an interest rate of 2.25 % and XXXX due at closing. Quicken has now run my credit twice once to my detriment and the second without authorization. They have not honored their terms and have only proceeded by giving false information to drive a sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation