BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XXXX of XXXX, ONLINE, I opened a Merrill Lynch checking and brokerage account.

I made a few deposits into the account. I received an ATM card and rarely used it. I little over XXXX in what Merrill calls a CMA account. 

I recently moved from XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Ar XXXX. 

I called Merrill and updated my new address, verified my full name ( XXXX XXXX XXXX ), my social ( XXXX ) my date of birth ( XXXX ) and phone number ( XXXX ) XXXX. I was then told I needed to visit a branch to put some documents on file. 

I did not have to visit a branch to open an account or have money deposited into the account. 

While an office is about XXXX miles from me, I work in the opposite direction and my work location is about XXXX minutes one way. 

I offered to send whatever they needed via email, text, or secure message and the representative simply stated I had to come to a branch. 

I was told several lies on the call, which I recorded ( Arkansas is a one-party state ), and will be filing consumer arbitration, however, I want this complaint on the record also. 

Merrill is refusing to release my money that was lawfully placed with them. They did not put any restrictions when I opened the account only when I want to take money out.

I even tried to close the account and was told I could not ( again on a recorded line ). Obviously, this is not correct.

I told them to send the money to the address on file and was met with " no '' I would have never opened the account if I would have been told to withdraw money I needed to visit a branch.

I am enclosing my XXXX tax return which shows my social security number. It does have my old address, but I am submitting my paid-in-full renters ' policy that shows my current address, along with my latest pay stub. 

I simply want the money that is in my account and not the run-around. I will handle the " run around '' via consumer arbitration which I am intimately familiar as the documentation shows. 

I do have a copy of my social. It's with some older ID but it is a copy of my social security card. Odd how they now want a copy but not when I wanted to deposit. A great question for the arbitrator. A complaint is also being made to the Arkansas Attorney General. 

Thank You! 

On a side note, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so using XXXX or XXXX XXXX XXXX as the city will get any correspondence to me.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Recently attempted to get a vehicle for my business and found out my credit was an issue. 
Upon pulling my credit to review it, I noticed issues with the amount of addresses on my report that do not belong to me. Possibly ID theft or mixed up with someone elses information. 
I sent a letter to have the information removed from my credit report. 
I received a letter from XXXX XXXX whom I placed a freeze on to prevent my information from being misused and are now saying they are investigating my information. 
I didn't ask XXXX XXXX to investigate. I asked the credit reporting bureau to remove this information from my file.

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 2021-01-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.

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 2023-11-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against EQUIFAX located in XXXX, XXXX  ; XXXX located in XXXX, XXXX  and XXXX located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 have a mortgage with XXXX. The account was on a forbearance during XXXX and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. XXXX agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on XXXX XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NJ
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:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Tribal Lending Enterprise, Inc.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2017- Turned my debt over to XXXX XXXX XXXX ( Debt Consolidation ) XXXX XXXX sent my Power of Attorney and Cease and Desist letter to XXXX XXXX but they continue to call my work repeatably. They may call my cell phone but not my work place. Last Call XX/XX/XXXX XXXX XXXX central XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2017-04-10
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I worked diligently to make 12 monthly on-time consecutive payments ahead of applying for cosigner release. Navient denied my application stating that I had not made the necessary on-time consecutive payments when in fact, a look at my statement clearly shows the payments were made as required. A representative for Navient tried to tell me it was due to how I made my payments ( I have my payment go from my bank to Navient in XXXX installments each month, both completed before the due date ). They further claimed that a couple of my payments were less than required. At this I asked if it was the case, then whey did I not received a late notice or fee. I shared with representative I spoke with that the payments were smaller in the cited months because the interest rate was lower. Still I received no acknowledgement that the payments were on time. 
Further, in my communication with Navient, they said they had only looked at one criteria for the denial and had not even looked at others such as credit score, etc. yet. My question is if there is an application submitted, why not weigh it against all criteria at once. Why tell me no, then if I get over that hurdle, tell me no again for another reason. Navient painted a rosy picture misleading me that the cosigner could be released, but instead have put up tons of roadblocks. Clearly, Navient has no intention of releasing the cosigner and will continue putting roadblocks to prevent this from becoming reality. 
Morever, there was a time when I was experiencing hardship and called Navient to ask that they reduce my payments. I indicated that I could pay {$50.00} a month. Navient steered me into deferrement ultimately increasing the overall cost of my loans. I 'm not in the business of quoting Donald Trump, but " These are some very bad people ... '' Even today, my loans are strangling me. I do n't even bother to call anymore, I just pay and sacrifice the rest of my life. Another quote " Sad! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been told by a man I met on social media for 6 months that he can teach me how to invest into cryptocurrency. So I opened an account on Coinbase on the XXXX XX/XX/XXXX under his guidance, and directly deposit {$1000.00} and wire transferred {$5000.00} US dollars through my bank account into Coinbase, then immediately purchased XXXX  and transferred all of them out right away to an cryptocurrency website account that the man told me about for investment. And later on with the same tricks, he soon induced me to wire transferred another {$25000.00} US dollars to Coinbase and purchased XXXX, and again, I immediately transferred all of them out on XXXX XX/XX/XXXX. With the same way for a third time, I transferred another {$16000.00} US dollars of XXXX to the defraud account through Coinbase on the XXXX XX/XX/XXXX. I have made XXXX wire transfer and XXXX direct deposit to Coinbase for a total of {$47000.00} US dollars! And immediately purchased and transferred all of my XXXX  through Coinbase to the scammer 's website account. After a couple weeks, I decided to withdraw all my money out including the profit I earned from trading cryptocurrency which was nearly {$98000.00} in total, under the man 's guidance. But the fraud website customer services told me that I have to pre-paid over {$21000.00} tax in order to withdraw my money out. I then realized that I got scammed. I reported this to the police immediately on XXXX XXXX and called Coinbase customer service for help and they told me that cryptocurrency transactions are irreversible. But I know Coinbase, as one of the biggest cryptocurrency trading platform, has the responsibility to alert and monitoring large transactions in a new account over a very short period of time. I have never traded cryptocurrency in my life before and all of this had happened within the last half months. And with my newly opened account, I have never received any alert or warning about my transactions to the fraud account. True, I am too stupid to believe a stranger that could teach me how to make money. But I am also a XXXX XXXX XXXX XXXX XXXX XXXX and a single mom. I need that money in order to survive! That was all my savings from the past 8 years, and I also had to borrow some from my friends. I am desperately hoping that Coinbase could help and refund my money back. But after several time of calling and file complaints, they refused to do anything and closed my case. They also block my account from trading cryptocurrency after I told them what happened to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2023, I received a letter from Citi, who I had been with for 40 years, that they were closing my checking account. I have never bounced a check and keep a substantial amount of money in my account. They can not give me an explanation why. In XX/XX/2023 Citi cancelled my credit card. I have paid it off in full each month and never missed a payment. 

I have never been overdrawn. I pay off my credit cards in full monthly. The source of my income is my equities at XXXX. The transfers always were sent from my XXXX account directly to the bank. I am perplexed as to why this is happening and very concerned. The most frustrating thing about it is that they cant give me any explanation. 

The banker at Citibank said that an outside firm, XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX analyzes the accounts and makes recommendations and once the bank is told, they shut down the account and they can not change it. But no explanation of the reason why!

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 2019-08-05
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I used to bank with wachovia bank ; wells fargo bought them out in XXXX. My interest rate of 8 % fixed, wells fargo advised me that the terms will never change everything will just transfer over. As of XX/XX/XXXX I noticed my interest rate went up because I was paying more on my monthly payments. Then in XX/XX/XXXX my interest went up higher than normal and I decided to look into it. When I did the terms of my APR changed from fixed to variable. I contacted Wells Fargo and no one cant tell me why my rates changed and its been over a month.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX Account # 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.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX ; XXXX XXXXXXXX ; 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: CA
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:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
To Equifax, After reviewing my consumer report today XX/XX/2023 i noticed your company is reporting an alleged medical debt from XXXX XXXX XXXX. This is direct violation of HIPAA privacy rule as i never gave XXXX XXXX XXXX any written documentation to release my personal medical information to you or anyone else. 

I request this account be permanently deleted immediately. 
Or Provide me documentation within 30 days of this notice, showing my written request to release my medical information to your company. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to Equifax, XXXX, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation