BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
THIS IS A POD ISSUE I am the POA for a POD beneficiary. Bank of America has a copy of the POA on file in the Estates Unit. I went into the bank located at XXXX XXXX XXXX where my ID was validated and notarized and then the form was forwarded to the Estates Unit. The Estates Unit then mailed me the beneficiaries check made payable to the Beneficiary only. I took the check to the XXXX XXXX XXXX bank location and a copy of the POA to cash the check, I signed the beneficiary 's name ( by ) MY NAME, POA. I was informed I could not cash the check because the beneficiary did not have an account at BOFA. I reminded the bank manager that the beneficiary had been incarcerated for about 5 years and did not have docs to open an account. I was informed without the beneficiary having an open account, they would not cash the check. Therefore, with the beneficiary being locked up and no way to open an account, how does BOFA plan to issue the funds, if not to the POA nor will they wire the funds to Texas Inmates. I called the Estates Unit and was advised they would not and could not add my name as POA to the check in any way. When asked what could I do. I was told as far as they are concerned the matter is closed because a check payable to the beneficiary was issued. I explained if the check could not be cashed then BOFA would retain use of the funds which are not theirs. BOFA is fully aware that the beneficiary can't manage his financial affairs due to the POA they have on file. THEY SENT THE FORMS TO ME TO AUTHORIZE RELEASE OF THE FUNDS AS POA however, they will not allow me to CASH THE CHECK. PLEASE HELP! BOFA has developed a process to allow them take what is not theirs 's. One way or other ( via opening another account to deposit funds or issuing a check they refuse to honor. They will keep the money. The check issued amount is {$3400.00} check number XXXX, dated XX/XX/19. Remitter ID 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 2023-05-05
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:
To whom this may concern, In the year XXXX during the global pandemic there were 5 late payments published to my credit report. I sent in a Hardship letter to XXXX XXXX XXXX asking for my late payments from XXXX XXXX XXXX to be forgiven do to what I thought was the obvious as most of the world was not working and behind on obligations. I was not able to handle my obligations, however as soon as I was employed in XX/XX/2020 I quickly worked to diligently get back on track and handle all of my obligations as I have not had any late payments since then. I satisfied my obligations with XXXX XXXXXXXX XXXX  and they closed my account. I am a XXXX Veteran of the XXXX XXXX XXXXXXXX and I already have many other challenges on a daily basis with my body and mental health. This challenge I face here with these late payments on my credit report has hurt my ability to obtain credit and buy a home. I've asked for empathy and compassion to be given another chance to regain control of my life. Please and Thank You.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-11-16
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about early XXXX, Apex contacted me with regard to a debt alleged to have been owed. Exercising my rights under FDCPA I requested VALIDATION in a letter issued to them on or about XX/XX/2022. In that letter I also explicitly told them to cease any and all contact with me other than via mail. On or about early XXXX, they responded with information that a ) did not satisfy validation demand, and b ) made clear that personal medical records had been transferred to their possession a violation of HIPAA. I responded noting the violations, potential for fines of {$50000.00} per incident under HIPAA and demanded they cease contact. 
While the above was transpiring I continued to receive - and still to date receive - phone calls from one of their representatives, a " XXXX XXXX '', no doubt an alias, requesting contact. 
I explicitly in writing via traceable USPS delivery instructed them to cease contact with me via phone. In the XXXX letter, I explicitly told them to cease contact entirely. If they contact me again about this alleged debt that they did not remotely validate under the law, I will be filing suit and seeking damages for each and every phone call made in violation of my rights under FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-08-15
Company: ALLY FINANCIAL 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:
In XX/XX/2021 an inadvertent late posting was posted to my mortgage account, when I contacted XXXX XXXX Corporate they corrected the incorrect late posting, I subsequently reviewed my credit reports with XXXX, and I discovered multiple unauthorized and/or fraudulent inquires listed on my credit reports. I contacted the Credit Bureaus and explained I may be a victim of identity theft, these inquires are not mine. After contacting the credit bureaus, I discovered in XXXX the credit bureaus were now reporting me as deceased and froze my credit profile, now in XX/XX/2021 I discovered a new fraudulent account ( Ally Financial ) listed on my credit reports. I'm XXXX years old, this has been extremely stressful and emotionally draining. I'm reaching out to the CFPB for help, I've contacted the credit bureaus about the fraudulent inquiries and Ally Financial and they have not removed this incorrect/fraudulent information from my credit reports, also Ally Financial has been unresponsive to my disputes of this fraudulent posting on my personal credit profile.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: NJ
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:
I've had collections from XXXX XXXX  and XXXX XXXX XXXX that been deleted from my credit report and reinserted without notifying me at all and that is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly.

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 2023-03-07
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:
When I investigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to authenticate this account. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
On Sunday XXXX i noticed my credit had dropped by XXXX points, the charge was from a company called XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX phone number ( XXXX ) XXXX the were reporting for a company called XXXX. I have never heard of XXXX XXXX XXXX or XXXX and I'm pretty sure XXXX doesn't even exist i cant find it any where online. XXXX XXXX XXXX is claiming they did not report this charge to Experian they reported another XXXX XXXX and Experian made the mishap of putting it on my credit. which is either highly unlikely and XXXX XXXX XXXX is commiting fraud or a terrible mistake on Experian credit reporting part. i believe that XXXX XXXX XXXX is the culprit after looking up there company and finding multiple people going through the exact situation as I am. I would like to file charges against them for fraud and identity theft.

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 2020-06-15
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I currently have my PNC bank account set up with XXXX ( A brokerage to invest in stocks ) and I just recently created a new bank account with PNC and upon trying to connect the new account to XXXX I was informed that PNC has made changes that will not allow for accounts to be connected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/2022 an Affidavit of Fact was sent to Equifax Certified mail : XXXX with confirmed delivery XX/XX/2022. XXXX Certified mail : XXXX with confirmed delivery XX/XX/2022. 

This was a request for inaccuracies amongst the three credit reporting agencies to validate alleged debt accounts. The listed accounts below are negative accounts that are reporting on my consumer credit profile and causing great harm to me mentally and financially. 

Equifax and XXXX have failed to respond in the time allowed by the FCRA. 

XXXX XXXX XXXX Account # XXXX Amount : {$3900.00} ( both Equifax and XXXX ) XXXX XXXX Account # : XXXX Amount {$130.00} ( both Equifax and XXXX ) XXXX XXXX  XXXX Account XXXX : XXXX Amount {$9800.00} ( Equifax ) XXXX  XXXX XXXX Account XXXX XXXX XXXX Amount {$6400.00} ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: IL
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:
Had over XXXX taken out of my account sent to XXXX when my ameren acct said no payment due. This caused an overdraft of my account in excess of {$400.00} I asked wells to do a stop payment. Instead they did a fraud activity report which caused more problems to where my account again was overdrawn overdraft fees applied and account closed

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 2023-05-02
Company: EQUIFAX, INC.
State: MD
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 CARD : # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX G XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$65.00} XXXX XXXX CO XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance XXXX : {$29000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Ive sent multiple disputes and 605b letters to Equifax. Equifax refuses to block information from my report. These following 3 accounts are fraudulent. Ive never done business with these companies or entered into a signed contract with these companies.

1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$610.00}. This company did send a copy of a lease, but it doesnt have my signature on it!! It also has the wrong DOB XX/XX/87 is listed on the fraudulent lease. Bout XXXX  & XXXX  have deleted inaccurate information. Please Follow Suit And Delete!! Please see attached Ftc report and Lease page with wrong DOB.

2. XXXX  XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Please delete its been over 60 days its no way you still investigating this. Please follow suit of XXXX  and XXXX  and Delete. 
3. XXXX XXXX {$500.00} this account is fraudulent. Please follow suit and delete this account, XXXX  and XXXX  has removed inaccurate information from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2022 I was selling a bed on XXXX and I get a response asking if I accepted XXXX which I had never used before but I knew it was through the bank I use so I agreed. After that I get an email from XXXX saying I needed to activate my account. While I should have realized I shouldnt send money to XXXX at the time, I had also never used XXXX and trusted the email. After transferring XXXX dollars 2 times for a total {$400.00} it asked me they asked me to send another {$100.00} which I refused due to only having {$35.00} left in my bank. When I requested XXXX for a refund and stated I no longer wanted to activate my account they stopped responding. At this point I realized it was a scam and that night ( might have been the following day not sure if it was after midnight or not ) I filed a police report which I can contact the police department to get the report number and also as soon as my bank opened I reported fraud and they said they would look into it and get back to me which could take up to 90 days. It has been well over 90 days and I have still heard nothing back from the bank or the police. The police said there was most likely nothing they could do due to the fact most scammers are not even in the United States and the bank advised that XXXX will never send emails and both confirmed it was most likely scam Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My XXXX XXXX XXXX daughter lives in XXXX XXXXXXXX XXXX in XXXX, XXXX and her initial 6 month lease required her to have a co-signer which I acted as. After the first 6 months, my daughter elected to enter a new lease with a new roommate at the same apartment complex which I did not co-sign. Months passed after my daughter signed the new lease when I received an email from a Hunter Warfield, a Debt Collection company in XXXX, XXXX stating that they were attempting to collect on a {$4100.00} debt from my daughter 's lease in XXXX. No information regarding an amount owed to XXXX was ever received by me from XXXX nor the Hunter Warfield at any time prior to receiving this email and no information or details were provided by the debt collector other than the amount owed. 

Both XXXX XXXX XXXX. and the Hunter Warfield have violated a number of debt collections laws including failure to report the debt within a specified time frame and yet XXXX and XXXX refuse to remove the debt from my credit report stating that they verified that the debt information is valid. I also hired a lawyer to send a cease and desist letter to the Hunter Warfield threatening legal action if they did not remove the bad collections report from my credit record and since sending the letter, no action has been taken. 

I believe the XXXX XXXX debt to be completely false I believe that a number of debt collections laws have been violated in the process. I want to report both companies for their failure to follow federal and state debt collections laws and for not removing the collections report from my credit report.

Company response to consumer: Closed with explanation