BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 Almost midnight, I received the notification from the BOA app, and it indicated my account is locked. 

XX/XX/2022 I came to the local BOA nearby and asked the associate for assistance and help. But the system can not respond to related questions on weekends. So, the associate decided to make the call on Monday. 

XX/XX/2022 XXXX helped me make a call to clarify the situation happening on my account. But the company responded there is nothing to say. And the associate try to withdraw the money from my bank, but she couldn't. Because it is closed. 

XX/XX/2022 The associate made a call again to the system and ask to withdraw the money. But the status is still under review. No one knows what's going on. 

XX/XX/2022 I came to the same branch of the bank again and wanted to make sure I can withdraw the money. The associate still worked on and the XXXX try to make a call to the upper supervisor to solve the problem. I still don't have the answer. I can prove any transaction that is clear and be done by myself. If I can not withdraw the money, I can not pay the rent and tuition, even the food. 

XX/XX/2022 I went to the same branch again and asked the XXXX for help. The XXXX XXXX called the services again and try to get approval which withdraws money immediately. However, the request is denied. 
In this situation, they can not give me the chance to withdraw money and the time frame. I just want to withdraw my money. I am a student and need to pay rent and tuition.

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 2020-01-05
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hi my name is XXXX XXXX and I want to make a dispute about my credit score. In the past few years I was applying for a lot of banks and credit unions because I have no god experience with everything that Involves with credit back then now I have know about credit. So I writing this to help me fixed my credit score back to normal and have good advice to keep a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In 2017, I had an business checking account closed by BBVA ( now is PNC Bank ) and issued a check for the remaining balance of {$650.00}. I've never received that check and never cashed it. I've told by a BBVA representative about the check was deposited in FL at some credit union. I have been emailed the Affidavit for forery-negotiable instrument form to BBVA at XXXX a few times never heard back from them Thanks so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion disregarded my dispute stating that they need authorization when I provided them with all the documents. I am not a third party company. I am myself. I provided proof of my ID, Utility Bill, and a notarized letter stating that it is me that sent the complaint through the Consumer Financial Bureau. I will upload all of this documentation along with my letter citing all the violations of the Fair Credit Reporting Act, Fair debt collection practice act, and the XXXX XXXX and need to be removed expeditiously from my credit report for these violations. I have cited the violations in the letter I uploaded along with all my other supporting documents.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I filed an identity theft affidavit with a police report number around XX/XX/2023 to show i was a victim of identity theft the company did not take the proper steps by law to resolve 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a bank statement from Bank of America. I never opened a Bank of America account. I called customer service and was told they closed the unauthorized account and flagged it for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Netspend Corporation
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently tried to get a refund on my MasterCard but No matter what card I tried to put the refund on it wouldn't go through because the merchant told me that MasterCard and visa companies want to charge for the transaction of the refund itself so because I had a XXXX balance I couldn't get the refund all because there was no money in my account for them to take. Talk about some money grubbing XXXX. That is the most ridiculous thing I have ever heard in my life just so the banks could XXXX people out of more money then they already do when it comes to interest on loans XXXX. The merchants can't give the refunds back to people who have a XXXX  balance on there cards because of this issue and it's not like the bank needs the extra cash that bad to make a rule like this. They make enough money for closing on good people 's homes and property that they buy when the owners can't pay there ridiculous fees in time. If I had it my way I would shut the whole banking system down plus these card companies for doing this XXXX to people. Some people actually have to bust there XXXX making a living while others sit behind a desk and come up with new ways to take there money.

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 2022-12-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-01-05
Company: Forest Recovery Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/XXXX from Forest Recovery Services, LLC, that I owed {$20000.00} to XXXX XXXX XXXX and that I had 30 days to dispute the validity of the debt before the debt was assumed " valid ''. I immediately asked for validation ( sent certified mail ) and on that same exact day XX/XX/XXXX, I was notified by XXXX that the negative data had been entered onto my credit file. I then disputed the account with XXXX asking them for validation and they quickly validated the account. On XX/XX/XXXX I received a questionable " Account Transaction History '' printout, a lease and a " Move Out Calculation '' report. This was not substantial evidence proving that I made such debt. I then sent a certified letter to Forest Recovery Services, LLC, requesting further investigation. I also sent a certified letter to XXXX making them aware and they continue to report the debt, without proper validation. What proof was submitted, because the proof I received does not conclude I made those charges. If you take a look at their evidence, it is inconclusive. Yes, that is my name and yes I did once reside at that said address but nothing was submitted proving the charges were made by me. No receipt nor invoice, a certified letter or email to me nor checklist provided. Taking a look at the " Move out Calculations " printout, it states that I " vacated '' this unit on XX/XX/XXXX but if you look at the lease, written note states " XX/XX/XXXX Keys on counter. '' If XX/XX/XXXX is when they assessed the charges, other tenants or vandalism could have occurred to cause such charges as XX/XX/XXXX is 5 months after XX/XX/XXXX. 

Forest Recovery could not provide any substantial information suggesting this debt of over {$20000.00} is mine therefore this account should not be reporting on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi, I signed in : https : //www.coinbase.com/ in this month, all fine, i put pays methods and i bought a lot of money in XXXX, around {$3500.00} mxn, and then, today i tried to extract my money and i can't because XXXX says that my account is restricted ( without any reason ), and for that reason i can't add a withdrawal method. 

i tried to contact coinbase without success, i looked for information in internet and i applied some " Methods '' to fix the problem and unsuccessful, and for that reason i'm here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX I looked at my consumer report and I see law offices mba on my consumer report. PER federal law 15 USC 1692 E ( 3 ) States that false representation or implication that any individual is an attorney or that any communication is from an attorney. The first communication I have is noticing this law firm on my consumer report with the name of law offices mba. I never had any written communication stating anything of this item that is on my consumer report per 15 usc 1692 c. I have never given this company permission to falsely place this item on my consumer report and by looking at this alleged debt this is a hippa violation due to the fact I do not know who this debt belong to because it does not belong to me. This is why you are to communicate the alleged debt to me by written notfication because this is clearly identity theft and a hippa violation. This company is false and misleading I have never went into any contracts with this company. per the privacy act of 1974 I never gave this company permission to purchase this debt and I opt out of this company reporting to my consumer report per 17 cfr 248.125.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 no knowledge of any accounts with XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good 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 2020-01-05
Company: Nelnet, 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:
XXXX Fraud Department unfortunately has not corrected errors in my XXXX Consumer report. Netnel/Department of Education was a loan that was fraudulent opened by a closed school and opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXXXXXX  I wrote TransUnion to investigate hard inquiries on my credit report. Today is XX/XX/XXXXXXXX  and I have yet to receive a response. The inquiries are a violation of 15 U.S. Code 1681b and I want them removed from my credit report with them. They were not initiated by me nor did they result in any sort of account on my credit report. I did not give the below companies authorization or permission to check my credit file with TransUnion XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  XXXX  Date of inquiry : 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 2022-12-10
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} ), XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, High Balance {$540.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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.

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 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 non-monetary relief
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: TX
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 have been struggling to lift my freeze with Equifax for the past month. I can easily lift with XXXX & XXXX, but Equifax is the worst. I am currently trying to get a mortgage approved, but they can not access that bureau. I try to log on the website and get an error message. I call in to the automated freeze lift and it always hangs up on me. I talk to someone, who by the way barely speaks English or understands me and then they tell me that they can not verify me for whatever reason and then they tell me to fax my information in ( drivers license & ss card ). Well, the fax number they provide and any found online and on their automated system are ALL incorrect. Sending by mail, you don't get a response or hear anything back. The last rep/supervisor I spoke with hung up in my face. I am extremely annoyed and over all of this. I need my Equifax unfrozen immediately as I am in the home buying process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have reach out to XXXX and transUnion amounts of times reminding them that per the fcra fair credit reporting act any items on my credit report such as the XXXX inquiries on XXXX and the XXXX inquiries on transunion must be removed if unverified or unauthorized

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