BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I logged into my Bank of America accounts and noticed there had been multiple fraudulent electronic transfers out of four of  my accounts totaling more than {$15000.00} to an account I did not know title XXXX. There were several transfers that took place on XX/XX/XXXX and several that showed in process on XX/XX/XXXX. As soon as I discovered this I contacted Bank of America to try and stop the transfers. They would not give me any information regarding the account where the transfers were going. They did put a hold on the account so additional funds could not be transferred. I filed four claims for fraud with Bank of America and was told I would receive a temporary credit for the funds within 10 days and a resolution within 30 days. On XX/XX/XXXX I went in to my local Bank of America Branch and opened 4 new accounts. On XX/XX/XXXX I logged into my account and was asked to verify my contact information. The recovery phone number for my new accounts was a New Jersey number that did not belong to me. I contacted Bank of America to report this. 

After two weeks, I contacted Bank of America after receiving absolutely no communication via USPS, secure e-mail, through the Bank of America website or via phone. I was told my claims had been denied and that in order to have my claims reopened I would need to have my home computer taken in and have it forensically analyzed. I took my computer in and paid {$500.00} to have a company go through the computer and compile a report showing malware and a link to the dark web. I was also advised by the company to file a report with the FBI and IC3 which I did. I submitted the companies report and FBI report to Bank of America via fax. I still received no contact. I went into my local Bank of America branch and had the manager send the information to the fraud department via secure Bank of America e-mail. 

I continued to contact Bank of America every week and half to check the status. Each time I called I spoke with a new representative in the fraud department who stated they would reopen my claims and contact me in 24 hours, this never happened. Nearly two and half months later, I still have not received any contact from Bank of America or a return of my funds. I have called repeatedly and have never been able to be connected to the person reviewing my claims. I am simply promised that someone will reach out to me within 24-48 which has never happened. 

At this point ( XX/XX/XXXX ), I am left with no other option than to retain legal representation to go after Bank of America to recoup the money transferred out of my accounts.

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 monetary relief
Consumer complaint received 2023-06-08
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:
i have been a victim of identity theft, i have no knowledge of the accounts attached.

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 2023-05-12
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:
There is an account on my credit report that should not be reporting due to inaccuracies and unverified information. The account is XXXX XXXX  XXXX XXXX XXXX. I sent a letter 4 months ago to the creditor and they have not responded which is a violation of the FDCPA. The credit reporting agencies are also in violation of the FCRA due to the reporting of unverified accounts. Please see the attached letter that was sent to the creditor which is dated and time stamped. I am requesting the removal of the account immediately due to the company ignoring my requests and many FCRA and FDCPA violations. This should be removed from my credit report within 15 days to avoid further negligence. If this is not removed from my credit report I will proceed with legal 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 explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-02-03
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:
XX/XX/2020, I put a fraud Alert on my credit report with XXXX and Equifax. The fraud account have not been removed from credit report. I have submitted the Federal Trade Commission Identify Theft Report XXXX - Police Report number XXXX, Officer XXXX, Badge # XXXX. I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX by mail and phone with no success removing the fraudulent accounts off my credit report. I have reached out to Equifax and XXXX by mail and phone with no success removing the fraudulent accounts off my credit report. 

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/XXXX I filed a complaint with Navy Federal Credit Union regarding two purchases made. These purchases were made to buy airline tickets with two airlines ; XXXX XXXX and XXXX XXXX. Navy Federal Credit Union is failing to properly investigate my claim. When they resolve my claim, they indicate that I used the airline tickets when in fact I did not. 

The disputed transactions are : XXXX XXXX on XX/XX/2018 for approximately XXXX XXXX XXXX ( approximately {$100.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. 

XXXX XXXX on XX/XX/2018 for XXXX EUR ( approximately {$160.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. 

Neither of these two tickets were used. XXXX should ensure the airline is referencing these two tickets when disputing the transaction. 

I furnished documentation proving that I cancelled these two tickets and the airlines agreed to issue a refund. Nevertheless, XXXX continues to claim that I used the tickets. I believe their confusion may be that I did purchase two other tickets with the same airlines after these purchases were made, but they are either disputing the wrong transactions with the airlines or the airline is giving them the incorrect information on the used ( but not cancelled ) tickets.

To be clear, there were four tickets purchased. Two were used ( and are not disputed ) and two were cancelled. 

I have asked for a representative who handles the dispute to contact me, but I do not receive a phone call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have fraudulent inquiries on my credit report. I have tried to resolve the issues with the credit reporting agencies and they refuse to remove it. The fraudulent inquiries are with 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 2022-05-21
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: Account status incorrect

Complaint:
equifax credit bureau will not delete veridian auto loan off my credit report, XXXX and XXXX both have. The debt is paid, its XXXX XXXX XXXX and yet equifax still has it on my report. I have sent several letters to them and they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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:
On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate inaccurate accounts on my credit report, and respond within 30 days. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent certified dispute letters to XXXX  and Equifax on XX/XX/2020. I have not received any letters or any type of reply from either company. It has been much longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, 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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, DEPT OF ED/XXXX   XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 an individual was able to walk up to a teller in XXXX, MI and withdraw {$3000.00} from my checking account. I live in California and clearly did not make this withdrawal. Bank of America is claiming that they have up to 90 days to give me my money back. This is creating a financial hardship and I don't understand why they can't just look at the security video for the day and time the crime occurred and determine that it wasn't me. I filed a police report with the XXXX police. Either the teller is incompetent or they were in on the scam. In either case I should not be the one who has to wait to get the funds back. The bank is insured for these types of issues and it should not have to hold my money while they investigate. After 30 days they have been unable to provide any status on what they have been able to learn. That is totally unacceptable. 

I have missed time at work trying to deal with their mistake and have spent over 24 hours being on hold and being transferred to multiple people over multiple days. I also have an issue with a bill pay request that was pending during this issue when I had to create a new account. They also owe me {$140.00} for pulling the funds twice, once from my new account and again from my old 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 monetary relief
Consumer complaint received 2022-12-10
Company: WELLS FARGO & COMPANY
State: MD
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:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am trying to get a SBA loan for my XXXX XXXX The contractor told me he could not get a credit report from Experian. And the SBA only uses the report from Experian. So I went online and filled out the information for an annual free credit report with all 3 companies. 
The first one I choose was Experian. After I gave them all my information and they were verifying my information, the page stated OOPS Sorry. And that was it. No other way to contact them. 
I have tried over 30 phone calls using their automated system. And at the end it states they are unable to honor my request and that my information is incorrect. I tried resetting my username and then my password to no avail. 
I do not know what else can be done. 
How do you contact this company? I have tried every way possible to contact them. 
The SBA only allows 2 days until they make a decision. And Experian wants you to mail copies of your life history to a PO Box . How can they set up millions of consumers and not have a valid consumer email address to contact?

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 2020-09-12
Company: American Credit Acceptance, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2017 I reached out to American Credit Acceptance in attempt to resolve the matter of a late car payment. My car payments have always been on time. My car was stolen and I was unable to locate the car and made the company aware and they did not care they kept trying to seek payment on a vehicle I did not have and threatened to report payment history to credit bureau and threatened to take me to court. Again I told them the car was stolen, whoever stole it got it towed and the car had vehicle damage in which it was still covered under the GAP insurance so it was covered. This was made known to the car company and still they sought payment. We agreed on an amount and i paid them settlement offer and they still refuse to remove from my credit report and close account. It is unfair, I was a victim of car theft and identity theft!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$770.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXX XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on 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