BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have disputed a charge Claim XXXX it has been over 10 business days and the company is refusing to issue a temporary credit dispute me disputing the charge for a return I never got refunded for

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. I have been disputing with both Experian & XXXX for nearly a year, and both companies are violating my Fair Credit Reporting Act Consumer Rights on multiple accounts. I have also listed multiple sections of 15 USC 1681 in which the directly violate. Two of the most recent dates that disputes were opened are XX/XX/2023. XXXXXX/XX/2023 approximately. I have mailed in dispute letters for nearly a year now, as well as called and personally spoken with representatives from both Experian and XXXX, and still have not had favorable results. I have explained to them they are violating my consumer rights, but choose to ignore my grievances. 

They do/did not have Permissible Purpose to report these accounts, they illegally reporting TRANSACTIONS & EXPERIENCES on my consumer report, they are failing to reporting maximum possible accuracy due to the fact these accounts are tied to multiple address I was never associated with. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX*** 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. 
I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been very patient with them and trying to dispute with them in a respectful manner, but I have gotten nowhere with them. I know believe it's in my best interest the CFPB steps in and helps me resolve this matter. 

I have attached my most recent dispute letter.

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 2023-09-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX I spoke to a rep who transferred me to XXXX in online dept. On fixing my accounts to link properly. He told me Id have to close both my bank cards out & start over with a new log in to link my accounts correctly that truist didnt do right when I added a new checking account. He then told me to call the branch rep who linked the account named XXXX XXXX at the XXXX. XXXX branch was supposed call me back to link my cards on XXXX Im still awaiting her call. Then, I called truist on again spoke to XXXX XXXX XXXX XXXX. I had {$540.00} in my savings & truist charged me {$36.00} fee & they didnt transfer the funds over to business account like they automatically do my checking account. They setup my accounts wrong. I dont have overdraft on business account & then I can only see my business card under a different log in. I cant see my personal card at all. My card was lost & had to be replaced a week ago & I couldnt freeze my card. Someone could have taken all my money out & truist isnt available to speak to on the weekend but limited hours. Its sad I couldnt freeze the card when it was lost. The bank hasnt fixed it after numerous calls & transfers. Ive been trying to fix this for months & truist hasnt fixed. 
>>>>>Im requesting the {$36.00} fee be waived on my business account & they link both my cards under one log in like they should have did when it was open. Not to mention, I opened 3 accounts for my minor daughter & it was rushed by a XXXX rep who first didnt link the accounts at all. I spoke to supervisor, XXXX XXXX XXXX XXXX XXXX as a call back. Shed refused a courtesy refund & was rude about 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 2023-09-27
Company: Zions Debt Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I attempted to contact XXXX to obtain information and dispute a collection account that just showed up on my husbands credit report. This is the only collection item between the two of us, and we have excellent credit. XXXX referred us to a company called XXXX XXXX ( XXXX Zions Debt Holdings ). After confirming that XXXX XXXX purchased this account, I agreed to contact XXXX XXXX. I explained to the collections agent at XXXX XXXX why we wouldnt be paying this account, and I wanted to know what date this was purchased. The representative transferred me to a supervisor. The " supervisor '', XXXX XXXX, immediately sounded bored and disinterested and parroted back a few less relevant statements that I gave to the previous representative. Eventually, we came to a point where she was condescending, rude, and she loudly declared, You dont have a single piece of documentation that you dont owe this debt ( after I explained that we made numerous attempts to contact XXXX to cancel our contract ). She also said, If you dont want this on your credit then learn to pay your bills. We pay all of our legitimately owed bills and do not deserve to be treated this way when calling to obtain information. 

When I recently filed a complaint against XXXX XXXX with CFPB ( on XX/XX/23 ), it was marked " resolved '' because the company responded that XXXX XXXX isn't in business, and to contact Zions Debt Holdings instead ( even though the 2 companies are affiliates, and even XXXX doesn't seem to be aware of the name difference, since they're referring past customers to " XXXX XXXX '' ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: CT
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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. This company Equifax after requesting a investigation of the accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and dont conduct the proper investigation and violating my rights and be negligent in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo bank processed the same check in the amount of {$25.00} twice in two consecutive months, My account was debited twice. When I bought it to the bank staff they informed me that one time the check was processed via mobile banking and the  other time via a credit union.I inquired why the bank internal system didn't stop this action. The adjustment dept credited my account {$25.00}. However the resolution dept could not provide me with a sufficient explanation that they had a comprehensive system that would consistently prevent the same action from happening again. I informed the bank staff that I do not consider this matter resolved.

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 2018-01-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX reported to XXXX on XXXX XXXX 2017 that I owe the debt of {$220.00} to XXXX. I owe nothing to XXXX XXXX and do not recall having 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 explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX  Balance : {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$810.00} ; XXXX XXXX XXXX Inquiry : 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 2023-01-05
Company: EQUIFAX, INC.
State: MO
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 received i copy of credit reoport and found the following item to be " INACCURATE '' XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already sent disputes on these accounts and nothing was resolved. You have violated the United states code law 15 U.S.C 1681 a.1.a. Code 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXXXXXX XXXX XXXX  XXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX  XXXX and 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 2023-06-23
Company: Experian Information Solutions 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:
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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Royal Pacific Funding Corporation
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Royal Pacific Funding has been dragging their feet for over two years on our loss mitigation paperwork. Sent over 12 complete packets and thousands of pages of documents repeatedly and every time it is deemed incomplete and no notification until I call them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Between XX/XX/XXXX and XX/XX/2020, 3 fraudulent ATM withdrawals were made using my Bank of America EDD card, for a total amount of {$2900.00}.

The card was in my possession at all times yet someone managed to get its details, or rather forge it to get a perfect copy of it, as well as my PIN code, which nobody but me knew. As a result, my account had been drained out. They had withdrawn the maximum daily authorized amount. 
The fraudulent withdrawals were the following : - XX/XX/XXXX : {$1000.00} - XX/XX/XXXX : {$980.00} - XX/XX/XXXX : {$1000.00} I have called Bank of America EDD customer service number as soon as I noticed the fraudulent activity, on XX/XX/XXXX I believe, and a claim was instantly filed over the phone. 

A week later, I received in the mail a notice dated from 2 days after my phone call, stating that my claim had been closed, without any other reason, and without the money being credited to my account. 
I then immediately called them back to have more information, and was told that my case had actually been accidentally closed ... So I instantly reopened a new one. I kept calling and being put on hold for 2 hours at a time, until mid-XXXX I finally got to get an update, to be told that my claim was still pending, and that I should hang tight. 

I waited a few weeks and since there were no news, I called back again mid-XXXX, to be told that my second claim had in fact been closed on XX/XX/XXXX, without further explanation, or even notice received at the time. I was shocked, I had been told that work was still in progress when in fact my case had been closed, for the second time. 

It has now been over 3 months that this money was taken from my account and I still haven't received any update about the resolution.

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 2023-09-13
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
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: Information belongs to someone else

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation