BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 a charge in the amount of {$27.00} was made at a XXXX via the counter. Immediately after the same person attempted to make two cash withdrawals from the ATM machine located inside the same store. First two attempts were declined, Im assuming due to having a transaction limit of {$160.00} on my account to protect myself from having things just like what happened next. After two failed ATM withdrawals, their 3rd attempt was allowed to go thru for {$260.00}, well above the protections I had set up for myself. When I noticed the charges the very next day, I immediately file a fraudulent claim in regards to the two charges. At that time B of A alerted me that a person had made a duplicate copy of my card and THATS how it had been used. This investigation was completed in a very timely manner and Ive got the letter explaining a permanent credit and no further action from me would be needed. Well to say the least, further action has been consuming my life each and every day with lies, turnarounds and completely opposite statements from day to day. A month last Im still waiting on my {$290.00} to be credited to my account. Im told each day that the investigations team who lost my permanent credit is now investigating themselves as to how/where my permanent credit actually went. NONE OF THIS IS OBVIOUSLY MY FAULT WHATSOEVER. B of A only says it can take up to 30 days to get your money thats rightfully yours. I dont have another minute to wait. I have filed multiple missing credit claims as well as hardship claims. None of which I have done a damn thing to get anyone to even blink an eye at my claim.

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 2018-02-21
Company: Fidelity National Information Services, Inc. (FNIS)
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:
CHEXSYSTEMS COMMITS FRAUD BECAUSE THE BANK IS A TOTAL FRAUD THEY THEY CO-CONTRACT WITH ; ; ; ; ; ;,,, SEE EVIDENCE HERE,,, XXXX WANTS TO XXXX ME AND THEY USE XXXX TO EXTORT THE FUNDS,, XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something 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 explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I was alerted by Experian on XX/XX/2021 that a hard inquiry was created on my credit report from XXXX/XXXX  I XXXX who the company was and I don't own a pet. It's a pet store. It was done in error or fraud. Help me to get this false reporting off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
can you please help me out my account was closed recently I really apologize if Ive done anything wrong I do not know what Ive done I have been a customer of since 2006 Bank of America they kept my money and I dont know how long is gon na take to send me a check Can you please help me out to get it in the branch I need to pay my rent I have XXXX kids That's all the money I had my name please help me out I need to get it in a branch. I do not know how to pay my rent how to buy a food For my kids please you guys don't do this to me I need my money that I made it with my own Hinge working hard Day-and-night to support my family Please that's what I have I'm struggling right now Please help me GET MY {$4000.00} MY MONEY PLEASE God-bless

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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and Transunion are reporting that my credit score is  being impacted by the credit inquiries on my file. The inquiries were part of mortgage rate shopping when I was buying a home in XX/XX/XXXX/XX/XX/XXXX. 

I called XXXX complaint line and the representative suggested that they can not do anything about it and that I need to wait until they fall of my report in XX/XX/XXXX / XX/XX/XXXX. 

Its unfair that mortgage rate inquiries are reported to be impacting my credit score and staying on my file for 2 years and affecting my credit score negatively. This is detrimental to the dream of being a home owner.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent multiple dispute letters for couple of months and still haven't received a response from the credit bureaus regarding this account : XXXX  XXXX Account # : 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 2018-06-15
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm unable to use my XXXX checking account as intended. There is a problem where I can't make transfers inbound or outbound and randomly get locked out of my account. When I go to call in, support says they will look into it but never call me back. I want the issue fixed with a fully functional account or the account closed and a check mailed. This " suspension '' is causing ripple effects with other Banks and I have no idea why.

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 2018-06-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today ( XX/XX/2018 ) I was trying to purchase tickets for a concert on XXXX and I got scammed twice. Both scammers requested I sent money through XXXX.

1st payment to 1st scammer was {$100.00} ( for one ticket ). I have a phone number and email address.

2nd payment to 2nd scammer was {$300.00} ( for two tickets ). I have a phone number, email address, and Driver 's License.

Wells Fargo uses XXXX   so I thought I was protected and this was a trusted platform. Unfortunately I didn't receive any tickets from both scammers and Wells Fargo refused to help but recommended that I file a police report, which I did and I have the case number. I also emailed XXXX support but I don't expect to get any help from them based on what I was reading. I also filed a complaint with XXXX.

Can I be advised on what consumer protection I have in regards 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 explanation
Consumer complaint received 2018-06-15
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
Finance company are false reprting informstion on my credit report. This is the second time and as you can see from my credit report I havent made any payments late. I recently spoke to an associate by the name of XXXX  and he had a very unprofessional attitude and immediately after I got off the phone my vredit score reported something negative.

I have proof of my payment history and also me not having any late payments but all of a sudden after I contact tbem for a payoff on the vehicle this happens.

I kmow that thid is related to my telephone conversation because I received an email alert this morning pertaining to a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX .Please remove delete all others they are not mine. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a checking account with TD bank, last year, I discovered there's a {$3100.00} fraud check written by another person, and the bank handed the money to them. I contacted the bank, and after about a month, the money was finally given back to me. Now my account looked over the book more carefully, and found out there's another fraud check for {$1000.00} posted in XX/XX/XXXX. I contacted the bank, filled out the fraud check affidavit, and to my surprise, the money didn't come back. I received a letter from XXXX XXXX, Their Sr. investigator. Telling me since I didn't report the fraud within 30 days of that happening, they're not giving me the money back. How is that possible, the bank made the mistake, and they are blaming me for not keeping an eye on my account? I have written to the bank 's chairman hotline email, there were never any acknowledge or response. This is bank fraud, plain and simple.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: VA
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 been contacting the bureaus since XX/XX/2020 about three unverifiable bankruptcies reporting on my credit profile. XXXX  advised I need to send them information from creditor/courthouse. Equifax claims they received information from a third party and XXXX  claims the bankruptcy is verified. I have sent all 3 bureaus a letter advising that the courthouse advised they did not report the information. I have also contacted the third party company XXXX XXXX in which they were not able to verify the information and sent the letter to all three bureaus but yet the three bureaus are STILL showing the bankruptcies on my credit profile violating FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: NJ
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:
These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX  XXXX  Account # XXXX and XXXX XXXX XXXX Account # 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 2021-07-14
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: Investigation took more than 30 days

Complaint:
I have filed disputes with the credit reporting agencies and it has been over 30 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-02-04
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: Information is missing that should be on the report

Complaint:
Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX  XXXX never delinquent, XXXX  not mine.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Bank of America account shows delinquency between XXXX and XXXX of 2019. This information is incorrect. The account was closed prior but due to yearly fee, it continued to show a balance. This was worked out with company and we received letter from company saying there is no delinquent history. Yet it continues to show up on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 Bank of America ( BoA ) deducted {$1200.00} from my Personal Checking account with authorization, nor informing me. When I discovered the deduction, I called BoA to find out why it was removed. BoA employees refused to tell me what the charge was for, and eventually hung up on me after 1 hour and 3 different employees refusing to tell me what happened.

I later received a letter from BoA stating that the funds were taken from my Personal Account to apply payment to a Business Account Credit Card ( Setoff ). The Business and Personal accounts are separate, yet BoA felt entitled to steal money from the personal account for a Business account credit card payment. 

This has resulted in me being unable to meet bills for this month, and likely the loss of my residence.

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 2018-06-26
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, So I had a XXXX shipment about a year ago have stopped. The shipment never left the store. However my account had a weird billing issue and I was still charged, rather than it being automatically reversed. Well I tried to dispute that charge and my bank said I had to sort it out with XXXX. Well with XXXX they said they couldn't refund me the balance. Here is my entire conversation with the disputes team. I've given up with the bank so I'll try and reach out to XXXX   to seek a refund again. 

This is our chat convo with them XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an update from my previous complaint from XX/XX/XXXX. Rushmore Loan Management Services did give me another Single Point of Contact person at the end of XX/XX/XXXX. His name is XXXX XXXX which I spoke with him on the phone XX/XX/XXXX. He was very demanding and had a sarcastic attitude and was asking for the full amount in past payments. Also he mentioned that my rental income wasn't included twice on one of the properties when I applied for a Loan Modification.  XXXX XXXX mentioned that I was done and the next time he would only be speaking with my housing counselor on the phone. Then on XX/XX/XXXX I received a XXXX XXXX  XXXX  envelope at my front door which included a letter dated XX/XX/XXXX from Rushmore Loan Services it was a special Loan Modification offer which I did apply for and I was rejected. I was rejected because Rushmore has a lock on my account and that I can not apply anymore for a Loan Modification which I was told that on the phone XX/XX/XXXX. This is unfair business practices by Rushmore Loan Management Services and the denial was inappropriate. Also my income was taken incorrectly by Rushmore Loan Management Services for the Loan Modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Equifax regarding the bankruptcy shown on my Equifax credit report. I received Equifax 's dispute result as of XX/XX/2018, confirmation # XXXX. The Equifax response was that the " Consumer 's dispute not specific '' and that Equifax used a third party vendor called XXXX to verify the bankruptcy information. Regarding the " Consumer 's dispute not specific '', this is a FALSE statement. With my dispute submission, I included a letter specifically identifying 6 different discrepancies regarding the bankruptcy along with 2 supporting documents. The most disturbing item from Equifax 's result is the fact that Equifax states they used a third-party vendor called XXXX to verify the bankruptcy. This is a major problem because I have obtained an official letter from the U.S. Bankruptcy Court that  SPECIFICALLY states that they DO NOT report ANY information to XXXX. I have uploaded the U.S. Court letter and the Equifax response from the dispute.

Company response to consumer: Closed with explanation