BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Starting In XXXX - Contacted XXXX XXXX concerning deceased mothers Traditional IRA . Informed them I was the executor of the estate and a beneficiary. They said a life services advisor would reach out to me. Never did. 
-Second call-XXXX  Informed me that I needed to contact other two beneficiaries concerning account. Pulled them onto 3 way. Gave all information. Then was told the account was frozen. Given my life services email. 
-Emailed XXXX XXXX XXXX waited another week then told the account was no longer frozen. 
- Called and emailed XXXXno response again- Waited another 3 hours ( over 18 hours at this point ) spoke to another customer service representative. This representative states he didnt have any information from the beneficiaries despite the call with XXXX XXXX Call lost - Next day- another 3 hour wait- spoke to someone again, we all gave him information. Stocks liquidated. 
- Email sent to XXXX again- distribution forms sent. 
-Early XXXX- forms filled out and faxed to XXXX and to company by all 3 beneficiaries. 
- XXXX XXXX called again- well over 80 hours of wait time : XXXX Forms  said to have been filled out wrong, one missing state tax despite copy that was sent with proof had state tax information. One last stock had to be liquidated. 
-XXXX  XXXX call made again- told all forms were there and correct that checks will be dispersed XX/XX/XXXX. 
- XXXX XXXX Call placed again. Told distribution center denied checks. Could not give a reason why and stated a supervisor would reach out the next day. No calls/emails/ or return emails have been made. 
- Spoke to XXXX stated he could not discuss account nor would he give me supervisor number

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 2022-06-18
Company: EQUIFAX, INC.
State: NC
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  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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
The promotion rate of my Bank of America Visa expires this month. I told the bank that I wanted to transfer the balance to a new card. I was told when I opened the new account that I should call to do the balance transfer when I get the new card. I received the new card today and called the bank to do the balance transfer as I was told to do, however when I called I was told that Bank of America can not pay off another BOA credit card. I was totally mislead. If they can not transfer the balance I want the account removed from my credit report and also remove the inquiry. BOA case # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Avail Blue deposited {$400.00} into my XXXX bank account on XX/XX/22 and they said that I applied for a loan with them. I told them that I never applied for a loan with them. They have all my personal info including my SSN, my address, my employer, my driver license number and my banking info which enabled them to deposit the funds. After a lot of back and forth that I never applied for a loan, I asked for the XXXX address they have on record from where the online loan application was made. I XXXX it and it's somewhere in XXXX XXXX. Avail Blue instructed me to have my bank reverse the funds and I did. The funds was taken out from my acct on XX/XX/22. XXXX actually told me that Avail Blue could have done it themselves since it's evident they have my bank info. I reported the matter to the FTC. Many calls still from Avail Blue as they claim the funds have not been returned. We did a XXXX call with XXXX and XXXX said it may take 45 days. Meanwhile, Avail Blue has been emailing and calling about payment due. I called Avail Blue on XX/XX/22 to tell tell them to stop emailing or calling me and that it wasn't my loan and it has already been reversed by my bank. They said that they will not stop collection efforts until they get the funds. The person I spoke with is XXXX who said she was from XXXX. The other Avail Blue staff I have spoken with in the past was XXXX who we did the XXXX call with XXXX XXXX and who was provided a case number by XXXX. I called FTC also on XX/XX/22 to seek advice and person I spoke with suggested that I file with Consumer Finance Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am disputing this account and need verification as to my correct address, time of opening account, last activity on account, excessive interest and fees, please investigate 100 % entirely. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 explanation
Consumer complaint received 2021-08-19
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: Old information reappears or never goes away

Complaint:
There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts WAS DELETED. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I did not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX/XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please DELETE the account below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX/XXXX  XXXX ( Reinserted into EQUIFAX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

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 2022-04-18
Company: EQUIFAX, INC.
State: TX
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 Account ( 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX we received a letter from XXXXXXXX XXXX  saying that there was a levy ordered by the CaliforniXXXX XXXX XXXX XXXX of {$760.00} on our account, and that this money will be removed from our account on XX/XX/XXXX. 

We were never provided any information from the debt collector on this levy. We have no idea what debt this could be. We recently purchased a home and this debt was NOT on our credit report during underwriting. We reviewed my husband 's credit report, XXXX XXXX, and found no reported debt, and our credit scores are above XXXX. 

When we call the number provided XXXX, they gave us minor details that XXXX County in California had placed a fine on my husband on XX/XX/XXXX - my husband would have been a teenager then, wasn't living in California at the time, and his driver 's license is still in good standing - which if this was a traffic violation his license should have been suspended. 

Again, we never received ANY notice until our account was already levied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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

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 2022-04-18
Company: Experian Information Solutions 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:
In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only XXXX and Experian. This has caused undue stress in trying to remove or validate this inaccurate information. This information appears from XXXX and keeps reappearing with different payment dates, payment amounts and even as a duplicate. 

In accordance with the fair credit reporting XXXX XXXX account # XXXX and XXXX XXXX account # XXXX are violating my my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and/or not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for these accounts to be reported nor should they be reported form XXXX. XXXX  consumer law prohibits reporting after 5 years. 

I demand that these accounts be removed from my credit reporting 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 2021-01-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports Experian XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?

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 2022-06-18
Company: Navient Solutions, LLC.
State: WI
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 XX/XX/2022, Navient reported to XXXX that my student loan account was more than 100 days past due. 
1. Navient, at the time, was not the servicer of my student loans, having been terminated by US D of ED for savaging borrowers ; 2. No student loans were due in the 100 days prior to, by order of POTUS ; 3. Navient, prior to their report, and due to # 2, denied me access to their payment portal because of # 1 above. 

My credit score moved from XXXX ( excellent ) to XXXX ( fair ) effectively walling me out of affordable credit. My credit score should not reflect late payments from a company that was not the creditor, for payments it refused to accept, and for a loan portfolio that is not theirs. Navient should be held financially liable for this malicious and capricious " parting shot. '' US D of ED advised me to work it out with Navient, a bit like going back to the mugger to beg your wallet back. XXXX advised that Navient has assured XXXX  everything is AOK. 

Navient, at the time, was not the servicer, no payments were due, and Navient had actively and deliberately blocked me from making payments for more than 100 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports XXXX XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?

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 2022-04-18
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2018-05-14
Company: Ditech Financial LLC
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ditech has refused to send statements on a monthly basis to cut down paperwork, they also have not reported my payments to the credit bureaus. Now I will no longer know if they have received and posted my payment or have any balance information given to me like they use to and I believe this is unfair. The company claims they want to cut down on sending paper statements. Now I will loose all track of payments and balance history unless I call them monthly or request a payment history which means they will have to send paperwork anyway so this is unfair and makes no sense. This kind of behavior with these companies has to be stopped. Consumers seem to have no more protection of our second mortgage debt and that should be against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXXThere is nothing erroneous about 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 2023-06-23
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX  XXXX Delete account for failure to perform an investigation per fcra regulation XXXX  XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

also in accordance with the fair credit reporting act convergent the accounts listed above have 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. 



Thank You, XXXX XXXX

Company response to consumer: Closed with explanation