BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
**SECOND DISPUTE** This dispute is a follow up to my previous communication regarding the inaccuracies on my credit report, I received a response from BANK OF AMERICA XXXX XX/XX/2023. Regrettably, the response provided is alarmingly general, and the lack of specific details indicates that a thorough investigation was not conducted. The ( ATTACHED ) reply essentially confirms the accuracy of the reported account information without addressing the concerns I raised. 

It is imperative to note that the inaccuracies in my credit report have far-reaching consequences. Not only do these inaccuracies impact my credit score and financial standing, but they also have a damaging effect on my reputation and hinder my ability to access credit. The inaccuracies essentially constitute a form of defamation of character, as they unfairly tarnish my financial reputation. Such consequences are in direct violation of the spirit of fair and accurate credit reporting. 

Furthermore, the failure to conduct a comprehensive and good faith investigation is not in compliance with the legal obligations set forth under the Tennessee Consumer Protection Act ( Tenn. Code 66-28-516 ), which prohibits deceptive or unfair practices in trade and commerce that adversely affect the public interest. 

Given the gravity of the situation and the implications for my financial and personal well-being, it is imperative that Bank of America conducts a thorough and diligent investigation into the inaccuracies in my credit report. Failing to do so may necessitate further legal action to rectify the harm inflicted upon my financial and personal well-being.

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 2018-10-23
Company: EQUIFAX, INC.
State: TN
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. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Equifax and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the second time, this company has appeared on my credit report out of thin air. This time on XXXX with the same amount of {$1200.00} from XXXX XXXX XXXX XXXX as the original creditor. In these critical financial times with COVID 19, I don't have time or the inclination to be playing games with credit. I have yet to receive anything from this company detailing these alleged charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX account debit card and account signer ID was stolen. I reported the incident in person at at Wells Fargo Branch the same day and was advised of several XXXX XXXX transactions totaling {$3400.00} and {$49.00} were pending on the account from that afternoon. I told the banker the transactions were fraudulent. The banker advised me that the account would be restricted and the debit card deactivated. A police report was filed in addition to placing a credit freeze on the signer 's SS # and a fraud claim was processed. We received a phone call on XX/XX/XXXX from an investigator who asked a few questions. On XX/XX/XXXX I went to my local bank in XXXX Colorado requesting an update and was told no one could give me information. On XX/XX/XXXX I received an e-mail advising the claim was under review. I called the XXXX Colorado Wells Fargo on XX/XX/XXXX requesting information and requesting a complaint be filed. I was advised someone would call me back. As of today XX/XX/XXXX - XXXX business days since the claim was filed I had not received any information- and no one from Wells Fargo contacted me to advise of the status of the claim or my complaint. I called Wells Fargo fraud Dept. who advised me the investigation was closed on XX/XX/XXXX and the claim was denied finding no activity of 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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
hi Im XXXX XXXX and my XXXX is XXXX. I'm just writing to make a follow up on my disputes. Its been over 3 months since I sent you a letter but I haven't heard anything from you. according to FCRA section 611 ( a ) failure to investigate within 30 days gives a reason to remove the negative items but unfortunately, there's also no changes on my scores and I know you received my letter because it was sent via certified mail. I am reattaching my dispute letters so please take action.

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 2023-09-02
Company: American Credit Acceptance, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To whom it may concern In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for o 47.4K purpose.

532

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I was a victim to XXXX fraud and now I am being charged by the vendor ( XXXX XXXX ) for something they have already received via bank transfer from my Wells Fargo checkings account. I disputed the charges with my bank and somehow they weren't able to close the case in my favor. I have verbal confirmation from three different account specialist and upper management that the funds did in fact leave my bank account and were not credited back. I also have the bank statements to confirm this. 

According to XXXX, these transactions were reversed, but that is impossible because I never received the funds back and I have hard proof. I tried reopening the dispute, but Wells Fargo keeps telling me that I can not longer dispute the transactions and I have to handle this outside the bank. I also tried disputing it though XXXX and they have told me repeatedly that I have to come up with the funds one way or another if the bank can not assist. I'm basically left with no other choice than to seek legal action, but I'm hoping you can help me, so I don't have to go through that trouble. XXXX has already liquidated my XXXX holdings without giving me a fair shot to resolve the issue and they don't intend to stop there. The total amount being disputed is {$1200.00}. 

XXXX from XXXX below : On XXXX your Wells Fargo bank reversed a charge of {$210.00} for your attempted deposit on XXXX for {$210.00}. The reference code for this transaction is XXXX. 

On XXXX your Wells Fargo bank reversed a charge of {$1000.00} for your attempted deposit on XXXX for {$1000.00}. The reference code for this transaction is 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 2023-10-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a debt with this company and I made a payment arrangement with them. They did not honor the arrangement and still reporting a balance.

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 2023-05-22
Company: Debt Recovery Solutions, LLC
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b2. The XXXXebt Recovery Solutions Company also has NO permission to report ANYTHING using my info. pursuant to 15USC 1681 4.

I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX You are required to do what I am asking and block these transactions from being reported to m consumer report within four days from the date of the receipt of this notice. I look forward to your response. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hi there, Im writing in regards to my loan # XXXX for property located at XXXX XXXX XXXX in XXXX, KY XXXX. 

I have multiple payments which have been incorrectly applied and this appears to be a reoccurring issue that Id like resolved and a permanent solution in place. All of my former servicers offered an automatic bi-weekly payment feature. For this, I chose the day of the week and how much Id like to pay each transfer, or each month. My regular payment is just under {$700.00}, so Id always simply round up to {$700.00} total each month, with each bi-weekly transfer being for {$350.00}. 

From my understanding with your ticket # XXXX, the only bi-weekly automatic payment is for the day code of Friday with the 3rd transfer in a month being allocated to principal. I do not agree to these terms as I simply want to make a {$350.00} payment every other week, totaling 26 payments, or 13 months

worth of payments in one years time. I also do not want the day to be on Friday.

Currently I have an automatic bill p
ay setup through my bank, where {$350.00} is electronically sent every other week. However, doing this it appears each of my payments are not correctly being applied as half payments, then after the second payment, being applied as that months payment. 

Please advise how we can accommodate my request to make bi-weekly transfers that are applied correctly, either with my bill pay payment, or with your transfer form/system. 

Thanks so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: GA
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:
on XXXXI sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring 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 explanation
Consumer complaint received 2019-04-28
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: Problem with personal statement of dispute

Complaint:
I have sent multiple letters to each credit bureau with supporting documents that other CRA 's have deleted creditors off my report that were not able to be verified. Please see attached letters to show proof that I made attempts to resolve the matter. XXXX XXXX creditor does not have proof of signature or any documents of my account because I have called multiple times and they can not locate me on the system. XXXX XXXX keeps sending the letter attached repeatedly, after I have asked for verification or what documentation they have on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2023-02-25
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card was comprised on XX/XX/2022 heres the complaint Id XXXX totaling XXXX $ I filed a police report and my belongings were taken after 3 months of waiting relia bank denied my dispute with no evidence how they reach that agreement I am highly upset

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 2019-07-08
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by 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 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting AcXXXX XXXX ACT # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-10-23
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: Account information incorrect

Complaint:
reporting an inaccurate account balance of {$11.00} and i do not owe that amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and there we're two credit card accounts that was opened in my name with XXXX and Bank Of America. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX { last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX CrossCountry Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-04-05
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: Was not notified of investigation status or results

Complaint:
on XX/XX/23 I sent a letter regarding inaccurate I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring 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 2020-07-19
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I used XXXX app which utilizes XXXX to connect to my PNC bank account to send me money when my funds are running low, but apparently theres an issue between XXXX and PNC currently and i need the funds

Company response to consumer: Closed with explanation