BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I noticed 2 amounts coming out of my overdraft protection on my daughter 's bank account. {$1400.00} on XX/XX/XXXX and {$1800.00} on XX/XX/XXXX. I immediately called Bank of America to inquire about these charges. I opened a claim and which was closed 2 days later without my knowledge. Upon learning this, I opened a new claim having to start the 10 day investigation process over again. On the night on Day 10 my daughter received an email stating that the claim was denied. In the meantime, after looking through her account, which is tied to mine, there were multiple unauthorized transactions made. Including 3 checks immediately deposited then transferred out resulting in my daughter having charges for non sufficient funds building on her account. These transfer were all done on a mobile device. BofA did reimburse the fees, but has refused to honor my claim of fraudulent activity. I have been told to file a police report, get phone records, which I have sent to BofA. These records contain a number that is clearly fishing out my bank account and it located in Alabama. BofA has not investigated my claim just informed me that since these transactions were done through XXXX, which they contract with, there is nothing to be done. My daughter is in college and is missing {$350.00} as well as the 2 amounts above that overdrafted into my account. There were 3 checks that were sent to me via mail that had been deposited and then taken immediately out, 2 of which were " refer to maker '' and 1 listed as a forgery. Clearly BofA knew something was up if they stopped payment on those checks. I have done far more research than BofA. I have called the fraudulent numbers listed on the XXXX transactions and called the companies to which these " checks '' came from made out to my daughter and forged. BofA has her signature card. This should of never happened. I have called BofA continously since this process began on XX/XX/XXXX, and have had to contact the private banking division in order for them to even get me in contact with an actual person in fraud which I spoke to XX/XX/XXXX. At this point, I have faxed all the phone records and am waiting to see if the claim can be reopened.

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 2023-06-15
Company: EQUIFAX, INC.
State: TX
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:
Complaint XXXX was opened on XX/XX/XXXX due to XXXX XX/XX/XXXX and XX/XX/XXXX, I contacted Equifax by mail regarding an alleged bankruptcy being reported on my consumer report. Complaint XXXX was submitted on XX/XX/XXXX via this portal to Equifax regarding XXXX documentation to an alleged bankruptcy reported on my credit file. To date, no response has been received 35 days after the complaint was submitted and more than 180 days after the request was made by mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I applied for an XXXX XXXX. I was declined as they stated I had a past due payment. I do not. I was told to contact TransUnion which I did. They dont show a past due payment. My credit score is XXXX. I spent an hour on the phone with XXXX then XXXX XXXX. Another 45 with TransUnion. They sent me a credit report with no past due payment on it. XXXX and XXXX said there was nothing they could do about it. Im XXXX with an income of XXXX. Age discrimination is the only reason I can come up with for being declined.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
They closed my account with out notice after applying fees

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 2022-08-10
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: AZ
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:
The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : The XXXX XXXX XXXX, XX/XX/XXXX, {$360.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, and XXXX XXXX XXXX, {$7500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Student loans taken XXXX through XXXX have been in repayment and making payments per the graduate payment plan. Navient has placed the act in forebarrence on numerous occasions af a result of us not being able to make full payments. The balance continues to grow and now in wage garnishment. We tried to set up payments we're could afford and continued paying only to watch the balance continue to increase. My request 1. I would like copies if all loan docs with terms at time of disbursement. 
2. Account history from direct loans, to sallie mae to navient. As the act has moved a consolidation has occured. I would like the original paper work on that consolidation and the terms at the time. 
3. Reasonable repayment that will actually reduce principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: CA
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: Billing dispute for services

Complaint:
XXXX XXXX company, The company reported me to the credit Bureau for XXXX over 30 days missing payment. In fact that is not true I do have all the valid information on record from the company stated that no payment required for the month I was reported as missing payment. I have had contacted the company to address the issue with them, they didn't professionally handle the matter in the right ethical business manner. 
I do have all the calls recorded every day, and still did not reach someone that can help me to correct the issue. I'm reporting this company for the bad business practices and the Ethics. 

All supporting documents are available upon request. 

Thank you, 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 2018-07-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent letters requesting proof of my original application with my signature since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the company XXXX XXXX XXXX which has not been done, I have by law all the right to receive a copy of the original application where my signature appears, the obligation of them is to send them in case they fail to send them I demand eliminate that account from the credit bureau since they can not prove that it really is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX/XXXX XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is in violation under15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 submitted this inquiry several times to the credit Bureau, requesting the creditor to send me documentation baring my signature, or delet this from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the last 6 payments, from my payment on XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX all of my payments to my FEDERAL UNSUB STAFFORD LOAN ( Disb. date XX/XX/XXXX ) has not lowered the loan debt amount of {$890.00}. The loan required amount to pay is {$24.00} and {$32.00}. 

Why is it that even when I paid {$50.00}, that my loan debt does not go down? 

I feel like I am being robbed. I am paying the amount required on this loan month after month, even some extra at times, but the loan debt amount has not gone don one ( 1 ) penny! I sent an email to them but they have not responded. 

I need answers!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: TX
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 need the below items disputed and deleted. 

XXXX NOT MY BANKRUPTCY XXXX NOT MY BANKRUPTCY XXXX MY BANKRUPTCY CONNS XXXX UNVERIFIED ACCOUNT-DELETE IMMEDIATELY XXXX  XXXX NOT MY ACCUNT XXXX  XXXX NOT MY ACCOUNT XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/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 2019-10-31
Company: Experian Information Solutions Inc.
State: NC
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:
After receiving notices about data breaches with the credit bureaus I sent requests to get my reports and tried but was denied by all means including the free annual credit report. I feel as though all 3 credit bureaus have violated my rights to view my credit reports to see if there is any fraudulent activity that has occurred.

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 2021-09-01
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Madam or Sir, A fraudulent collection report was posted to my Credit Report Bureau on XX/XX/2021, on behave of XXXX  company for a charge of the amount of {$59.00}. 

I did not sign up for any services with XXXX  in 2021, and I've never received any communication regarding that charge. In addition, the collection report has an incorrect address. 

The company that reported the collection report is CREDIT MANAGEMENT - XXXX XXXX I have submitted dispute reports with the collection company and the Credit Bureau to remove the collection note from my credit report. 

Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. Transunion and XXXX have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.

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 2023-03-05
Company: Genesis FS Card Services, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : CB INDIGO/GF, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX  has created an extreme amount of stress in my life and are attempting to kick me out of my home. The received my loan via a loan transfer from XXXX in XXXX of XXXX. Prior to my loan being transferred to XXXX, XXXX gave me a modification in XXXX of XXXX. The modification deferred 30 % of my principal and gave me a 4.25 % interest rate. I was to make three payments and then XXXX was going to give me a permanent modification. However, after I made my first two modification payments for XXXX and XXXX on XX/XX/XXXX and XXXX XXXX respectively, my loan was transferred to XXXX on XX/XX/XXXX. I was not advised of the loan transfer and attempted to make my final modification trial payment due XX/XX/XXXX on XX/XX/XXXX to XXXX, but they advised me that the loan was transferred to XXXX. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX to make my final trial payment, but their representatives wouldnt take my payments because they advised that the loan hadnt transferred yet. XXXX  wouldnt take payments and I convinced XXXX to accepted the last trial payment at the end of XXXX of XXXX. Then XXXX sent me a letter and wanted me to make three more payments and offered her 6.375 % for the balance of the loan. XXXX said that the old modification fell through because I didnt make the last trial payment!!! I have tried multiple times to get XXXX  to fix this, but I am getting shut out and I see that ultimately I will lose my home through foreclosure. XXXX has set a sale date of XX/XX/XXXX on my property. I dont know what to do and am so frustrated and afraid that I will to lose my home. It is shocking that XXXX has done this to meand probably others. I am an elderly woman and there is no way I am going to let XXXX get away with this and take my home away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citibank Card Services failed to properly and diligently investigate a dispute. The company ignored documentations that I provided to them which were a clear and direct response to their requests. My dispute was closed twice in favor of the merchant by stating that they have not received any documentations. After my most recent attempt, the company refused to reopen the case. I have insisted to be contacted by phone by someone from their investigation team to explain their decision as to why the case was closed. No one ever tried to reach me to explain anything by writing or verbally. The only thing I received form the company were letters stating that the case was closed in favor of the merchant. It appears that the investigators of the company have biases that are partial toward their business partners and ignore all evidence provided by the consumer no matter how strong the evidence is. Such practices are unjust and unethical and it must be investigated. I have been a customer of Citibank for more than 30 years and I expect to be treated much better than this.

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