BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I deposited a personal check from a friend for {$500.00} into my Bank of America checking account, utilizing a Bank of America ATM. On XX/XX/2019, I received a letter from the Bank of America dated XX/XX/2019 informing me that funds would be available on XX/XX/2019 and stating, A hold was placed on your check ( s ) because check specific information indicates that the item may be returned. Bank of America did not even make the first {$200.00} available on the first business day following deposit as required by law. When I contacted the writer of the check, he informed me that it had cleared his bank account. Nonetheless, Bank of America refused to make the funds available to me prior to XX/XX/2019 and to refused to contact the checkwriters bank to confirm the availability of the funds. In failing to make these funds available as required by law, I believe that the Bank of America violated Regulation CC ( 12 CFR Part 229, Subpart B ( 12 C.F.R. 229.10 et seq. ) By failing to enumerate the reason for its belief that the check is uncollectible, I believe that the Bank of America violated Regulation CC ( 12 CFR Part 229,  Subpart B ( 12 C.F.R. 229.13 et seq. ) which requires that, The reason for the banks belief that the check is uncollectible shall be included in the notice required under paragraph ( g ) of this section. '' As a result of Bank of Americas actions, I was denied access to funds needed for basic necessities, including groceries, toiletries, and gasoline. Accordingly, I am seeking all remedies available under the law.

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 2021-05-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Cardinal Financial / XXXX engages in deceptive business practices. During the closing process, Cardinal Financial attempted to raise my monthly payment by over {$50.00} per month. Then Cardinal Financial delayed my closing by two weeks and asked me to pay for the privilege of their delay. They attempt to draw out the process and trick unwitting consumers into paying the fees caused by their delay. Even more egregiously, the fees are to continue to lock the originally offered interest rate. Rates have gone down since my application. Not only are they trying to require me to pay fees, they are trying to do so in order to receive a higher interest rate than I otherwise would have. 

I would avoid Cardinal Financial / XXXX. I read the reviews like mine before I continued through their application process, but continued to pursue them as a funding option. That was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: FL
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, Also my personal information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: AMERICAN EXPRESS COMPANY
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:
I Have Filed A Dispute In Regards To The Incorrect Items On My Credit Report. it Has Been Well Over 30 Days And I havent Received Any Investigation Results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear PayPal Team, I am writing to express my disappointment and anger with your company regarding the recent limitation of my account. I have not received any clear reasons for why my account has been restricted, and the support teams seem to be composed of automated bots and clueless individuals who can not provide me with any meaningful answers.

I have heard similar stories from many other people, and it appears that PayPal often holds funds for 180 days and then transfers them into their account. This is a great cause for concern, as I do not want this to happen to me.

In order to clear things up, I would like to state that I have not purchased or sold anything illegal, and the only thing I have been doing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Despite this, my account has still been limited. 

I look forward to hearing from you soon and receiving a reasonable explanation for why my account has been limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
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 discovered I was enrolled in a financial service with US Bank XXXX XXXX XXXX '' on my checking account. I was not aware of this account and the actual cost related to this. I saw the line-item ; however I was not clear what it was. I thought it was just a bank benefit that would become active if used. Then I saw the line item on my statement Auto Payment XXXX XXXX XXXX and when I called US Bank, the Customer Service Rep confirmed it was an actual XXXX XXXX  Account and I was getting charged. Most upsetting was that I was not aware of the enrollment, and especially the XXXX XXXX interest rate. 

I never used the funds. I made an appointment with a banker with little response. I started the conversation early XXXX and by XXXX, he indicated there was nothing he could do. I paid the balance off as I felt I had no choice but now I see it's impacting my credit negatively.

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 2019-12-05
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Mercedes-Benz Financial Services, the lender, originated a loan in XX/XX/XXXX for me, the borrower. The loan amount is {$34000.00} with a term of 66 months and an interest rate of 2.99 %. I called the customer service department of the lender in XX/XX/XXXX and questioned the calculation of payments but was told that they were all accurate and correct. This month ( XX/XX/XXXX ) the loan has been fully repaid. In total, the borrower has made payments of {$37000.00}. Of that amount the interest payment is {$3200.00}. Based on the loan amount ( {$34000.00} ), term ( 66 months ) and interest payment ( {$3200.00} ), the lender has actually charged the borrower an interest rate of 3.28 % rather than 2.99 % of the loan agreement. 

I am here to file a complaint that the lender has misrepresented the loan and overcharged the borrower for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: American Financial Network Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX the XXXX  XXXX  XXXX in their wise wisdom because I share the same name as multiple members of my family to designate me as XXXX XXXX, of which my credit report now indicate and relate. In XXXX I originated a mortgage with XXXX XXXX XXXX titled in the name XXXX XXXX, respecting the name on my social security card. In XXXX I originated a mortgage with XXXX XXXX XXXX in the name that I respond to XXXX XXXX, and in XX/XX/XXXX in refinanced in the name of XXXX XXXX through XXXX XXXX XXXX, all were VA guaranteed loans. 

In XX/XX/XXXX, I applied for a mortgage, having processed and given documents and a specific document that indicate that in XXXX I was known as XXXX XXXX, with social security number as it is. In XX/XX/XXXX, American Financial Network INC . Upon asking me about mortgages my father, my brother, my son have taken out, I realized that I had been compromised, that another characterization of my name was being used other then the one applied under, and my identity compromised. On XX/XX/XXXX, I received a appraisal listed under the name of XXXX XXXX, of which per the social security administration I haven't used since XXXX, which goes along with the other requests. Additionally they in their efforts to create a denial ask for a bankruptcy from XXXX, which is outside the requirement for justification by the VA, in such its almost six years  old, the VA justification is at two years. 

This company compromised my name, without regards to my application, but based upon their own acts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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 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. 


Account - XXXX XXXXXXXX Account - XXXX  XXXX XXXX Account - XXXX  XXXX XXXX Account - XXXX XXXXXXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX XXXX  XXXX Account - XXXX XXXX XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights : Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX, XXXX, XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # 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 2023-01-11
Company: EQUIFAX, INC.
State: CA
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.

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 2021-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
BANK OF AMERICA, XXXX XXXX ( DETR ) UNEMPLOYMENT DURING THERE FRAUD INVESTIGATION REMOVED XXXX FROM MY ACCOUNT WHICH WAS PUT THERE BY B.O.A. MONTHS EARLIER. I HAVE BEE TRYING TO GET IT RESOLVED FOR ALMOST SIX MONTHS.. BOTH ARE DENYING THEY TOOK MONEY. AND BOA KEEPS TRYING TO CLOSE ACCOUNT, EVEN THOUGH I HAVE LETTERS FROM BOTH DEPARTMENTS SAYING THAT HAVE COMPLETED THERE INVESTIGATION WAS COMPLETE AND THERE WAS NO FRAUD AND THAT A CREDIT OF XXXX WAS NOW PERMANENT AND WOULD BE RETURNED TO 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 explanation
Consumer complaint received 2020-07-25
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of fraud and stolen identity. I contacted the creditors and the credit bureaus over a year ago to make them aware that someone is using my identity. The credit bureaus have failed to investigate and/or address the issues that I am having. They are sending out generic replies that they've investigated the fraud and have updated my file and have decided to leave the damaging information on my credit.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX | XX/XX/2022 PERSONAL IDENTIFICATION DISPUTE

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 2019-12-05
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: Information belongs to someone else

Complaint:
id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
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: Account status incorrect

Complaint:
Equifax has refused to update the status of accounts despite me providing information from the creditors agreeing to delete tradelines. Inquires deemed fraudulent by two other bureas, Equifax refuses to acknowledge. Any conversation ends with the customer service representative hanging up and the dispute status online never updates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TRIED TO REQUEST MY TRANSUNION CREDIT REPORT ONLINE AND IT FIRST SHOWED THAT MY INFORMATION WAS NOT ACCURATE AND IT COULD NOT GENERATE MY CREDIT REPORT. I TRIED A SECOND TIME AND IT SHOWED THAT I HAD ALREADY REQUESTED MY CREDIT REPORT AND COULD NO LONGER REQUEST IT UNTIL NEXT YEAR. 

FOR XXXX  AN ERROR MESSAGE POPPED UP THAT READ : Error code XXXX This request was blocked by the security rules XXXX XXXX XXXX Your XXXX XXXX ( ID XXXX ) Incident ID : XXXX IT DID NOT ALLOW ME TO EVEN REQUEST THE CREDIT REPORT. 

FOR BOTH COMPANIES I CALLED THE XXXX XXXX XXXX PHONE LINE AND REQUEST THROUGH THE PHONE PROCESS, REQUESTED BOTH TRANSUNION AND XXXX, HAVE NOT RECEIVED CREDIT REPORT BY MAIL EITHER.

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 2023-09-07
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : 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 2019-12-05
Company: EQUIFAX, INC.
State: FL
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:
These two closed fraudulent accounts XXXX XXXX # XXXX & XXXX XXXX XXXX   XXXX # XXXX keep reporting on my Equifax credit report, which i have disputed Eight times already with Equifax, i keep requesting that they remove these fraudulent accounts from my credit report. I sent all Three Credit Bureaus a Police Report back on XX/XX/2019. Concerning these two Fraudulent accounts, I also requested That XXXX XXXX & XXXX XXXX XXXX XXXX provide Me/Equifax Proof of the original contractual agreement and proper Documentation proving ownership concerning these Fraudulent Accounts in my name, which i have not received any information or proof of Documentation concerning these Fraudulent accounts thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to have them Deleted from reporting on my Crdit Report and they have not Removed them yet ... XXXX   and XXXX have deleted these same accounts from reporting on my credit report, I am writing and submitting this complaint for these Fraudulent Accounts to be removed from my Equifax Credit Report Asap. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, 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:
I was recently made aware of fraudulent information being reported on my credit report. After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id theft victim 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