BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
Company: BBVA FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit a check at bbva & its still not available Im so frustrated because I need it for my bills I deposit it XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report 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 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2023 my credit score with Transunion was XXXX, XX/XX/XXXX my score was reduced to XXXX a XXXX point drop. In the mean time no payments were missed, 10 year loan paid off in 13 months. Looking at what changed there were 4 changes to my Transunion account 1. XXXX XXXXXXXX acc count increased from {$0.00} dollars to {$75.00} dollars ( which was paid off ) XXXX. XXXX XXXX  XXXX was paid in full and the account was closed ( Better than expected is what the bank stated about my payment history. 
3.As reflected I n bullet 3 the XXXX XXXX  XXXX account was closed 4. Between XXXX XXXX XXXX and XXXX XXXX, XXXX  the following remark was added to this account 'Closed '' Still my credit score dropped. 

I called TransUnion on XX/XX/2023 @ XXXX XXXX  I spoke with a representative who introduced himself as XXXX, and he stated the following -My mortgage was high.was a reasonable reason- XXXX XXXX XXXX account was closed. 

I stated that this conversation was recorded and that those reasons made no sense. 

XX/XX/2023 I went the the XXXX account to pay that month 's Mortgage, I initiated the payment however I forgot to authorize it. The next month I saw that my credit score had dropped XXXX points, I could not imagine why because at that time I had never missed any payment or had been late for any payment I owed in more than 15 years. 
I think TransUnion has been a little over zealous in I feel incorrectly compute my score. 

Everyl payments to all of my creditors has been paid on time, utilization is well below 10 % and with all of this effort TransUnion scores continues to rate my activities lower and much different than the other credit reporting a agency. A year ago my credit score was XXXX and my credit behavior and responsibilities had been exemplary I am requesting and investigation and an explanation of the standing of. my 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have opened a Secured Credit card credit limit {$300.00} dollars with Bank of America. I closed the account. however Bank of America shows the account charged off. I tried resolving this issue numerous times with bank of America and they have failed to attend to the issue. the have reported duplicate account one for {$160.00} dollars and one for {$160.00} dollars showing it as charged off. the question is this is secured account that means I have paid the {$300.00} dollars upfront and upon closing the account there should be nothing outstanding but bank of America think they can XXXX me because I am trying to rebuild my credit they think my resources are limited and I am not able to do anything about it. I want someone to explain one fact to me if this is in fact a secured credit card {$300.00} dollars collateral from my pocket what money do I owe them? and if I closed the account what fees duplicates slanding my credit for 5 years is crime that bank of america need to be fined and penalized under law. Bank of America is known to be a XXXX and a one of the most corrupted institutions in our country. I demand not only they remove their frivolous slanding accusations from my banking and credit report immediately as I demand that you would fine them for their reckless behavior

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 2019-04-30
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: Other problem

Complaint:
I disputed a charge on my XXXX XXXX-Bank of America credit card and they never followed up with me before they closed the claim. I called them to get a email or fax number to send my documentation but no one returned my call. 

I ordered a product online for {$49.00} and the company XXXX charged me {$180.00}. I shipped the product back to company and they would not guarantee me a refund. So I disputed this charge on the phone with Bank of America and after giving them all the information they assured me someone would follow up requesting addtl. information. 
They never contacted me and 60 days later they closed the claim stating they could not substantiate my claim because they didn't have proof the product had been returned. 
When I faxed them the shipping and tracking information the same day, the followed up with a letter saying it was not received by the specified date. 

I have contacted Bank of America customer service 3 times to let them know I would like them to reopen the case because this claim was mishandled by them.. Each time they have stated someone would call me back within 2-4 business days. It has now been 10 days and no one has followed up. 

Case number : XXXX Date opened : XX/XX/19 Amount : {$180.00}

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 2020-01-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I was involved in a car accident that resulted in my car being totaled according to the insurance company. At that point, I had only had the car for 2 months and was making on time auto payments through Wells Fargo. I was rear ended in the State of NJ, which by law automatically puts the other driver at fault, and was confirmed by XXXX. XXXX agreed to pay for what they valued the car at and I opened a case with GAP insurance to cover the remainder. This pay out process took months to rectify and all the while I received no communication or updates from anyone, including Wells Fargo. They continued sending statements but there was no indication of what was actually owed. Between XXXX and XXXX I received non stop calls from Wells Fargo claiming they were attempting to collect a debt and when I spoke with them on the phone in XXXX, they claimed GAP did not submit a payment. It was not until I called and spoke with someone at Wells Fargo on XX/XX/2019 that I was informed GAP did make their payment and I owed {$1400.00}. The woman I spoke with was extremely rude and did not attempt to offer me any suggestions to resolve the issue. When I asked to speak to someone else the only option I was provided was to set up a " payment plan '' that would result in an inquiry on my credit report. I felt this option unacceptable considering this entire ordeal has severely impacted my credit already. I then confirmed that there were no other options, to which the rep said no. I requested to speak to a supervisor and he told me she was " unavailable '' and that I should call back. That was the worst customer service I have ever experienced, and considering I work for a bank I did not leave that call feeling at all like a valued customer.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 2022-10-28
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: MI
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 have send letters to Experian on XX/XX/2017 to remove this bankruptcy that they claim its mine and also a XXXX account. Experian claims they have verified and say the accounts are mine. I send a letter certified to the XXXX XXXX XXXX XXXX XXXX that claim I have a bankruptcy with them. They responded with a letter stating that the United states Bankruptcy court for the XXXX XXXX XXXX XXXX does not report individual bankruptcy case filing data to credit reporting agencies, nor do the update information directly to the credit bureaus. I am attaching both letter for documentation on this. I also have contacted XXXX XXXX through a certified asking for verification on this account the claim I owe. They never responded. Its up to Experian to show me proof of the validation of the account. Its been 6 months and it is clearly a violation of Section 611 ( 5 ) ( A ) and show continue blatant disregard for Federal Law. I have asked them to give me the name of the person in there company who verified the accuracy of these accounts, but they ignored this request as well is another violation of Federal Law. I have asked them under Section 611 ( 5 ) ( A ) of the FCRA to promptly Delete all information which can not be verified. Experian claims that have a certified paperwork that the bankruptcy is mine. It is noted in the attachment I am sending you. I want to see the copy of it.

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 2017-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I had a account with USAA that i filed chapter XXXX on and it is still active. My wife 's credit report is showing 90 days late on this account, she was an authorized user only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am writing to ask you to remove the current fraud alert customer statement on my Experian and XXXX report. All issues were resolved a month ago and now Im trying to refinance my car and this alert is causing approval issues. Please remove this alert asap please. 
Thank you for your prompt attention to this matter.

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 2023-06-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 EXPERIAN. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I try several times to contact Equifax about only one item that i have problem on there file against me.They not investigate it look like they are part of collection agency even the report that they have on file is fully of errors The Equifax investigation was not done on proper way.They Part of Collection agency that they report me fully of errors.Operator suggest me to pay to avoid further law actions from the collection agency.They can't threat people like this.They was told to me that Equifax don't have a power to remove items only the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashier 's check for {$37000.00}, issued by Bank of America, into my Bank of America checking account. They reversed the entry and said the check was lost, despite me having a deposit slip with the image of the check deposited into the 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 2022-10-19
Company: EQUIFAX, 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 status incorrect

Complaint:
I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " A '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and XXXX keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. XXXX  also violated my right to privacy as pursuant to 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX has been charging me XXXXmo for something I have tried to cancel multiple times and can not talk to a person or sign in online. I continue to dispute these charges and chase continues to credit my account but XXXX will not stop charging my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: CT
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:
I disputed XXXX XXXX several times for incorrect information. On XXXX/XXXX/XXXX I filed a complaint with CFPB and on XXXX/XXXX/XXXX I received an email from CFPB with the result of Equifax investigation saying that as of XXXX/XXXX/XXXX XXXX shall be removed from my credit file. As of today it still remains on my credit file with all the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the 3rd time I have disputed a serious error with XXXX XXXX # XXXX over a lease agreement that was satisfied and completed before the said date yet was WRITTEN OFF AND STILL reporting as late payments over a year later even though the account was PAID IN FULL and CLOSED it is not accurate. I have spoken to a financial manager and requested several times for the account to be updated properly with no response. I have no other resolution but to exercise my right to a lawsuit, I am looking to avoid this action if it can be fixed today as soon as this is complaint has reached the credit bureaus. I still have issues with a fraudulent account showing from XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX. 
i HAVE FILE A REPORT AND AM WAITING FOR A UPDATE!

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