BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
It took an excessive amount of time to clear up all of the addition and incorrect fees that had been put onto my account. But in XXXX I was finally able to speak with a customer service rep and they agreed to take off the fees. I paid off the credit card immediately and they agreed that they could not report me payment as 30 days late, because # 1 it was the fee amount that I had been disputing that made it late and # 2 I had in fact made payments. The credit card only had and available charge amount of {$250.00} and they had accumulated fees even after the account was closed. They agreed to clear up my credit back in XX/XX/2020. 
I am trying to buy a house and that issue STILL appears on my credit report. I tried to call to discuss the matter and was told that the only way to reach that department is to mail a letter to the PO BOX and that it may take several weeks to get a letter back from them. I do not have several weeks. I believe that it is unfair that they will not allow someone in customer service to address the issue. It is also unfair that it has not been corrected since XX/XX/2020. Lastly, it is extremely unfair that my mortgage is hinged upon a store credit card that charges outrageous fees and does not have a way for members to remedy concerns. They will not allow a payment in store, and if you pay by phone they charge a fee. 

I need this off of my credit score as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
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: Personal information incorrect

Complaint:
There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my has gotten into the hands of the wrong person.

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 2020-09-01
Company: EQUIFAX, INC.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$500.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: M&T BANK CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I attempted to transfer funds from my M & T Bank Checking account to my accounts at XXXX XXXX and XXXX between XX/XX/2020 and XX/XX/2020. 

On XX/XX/2020, I logged online to check the status and the system informed me that my access was suspended. 

I contacted customer service at XXXX eastern time on XX/XX/2020 and spoke with XXXX, and supervisor XXXX. 

They informed me that M & T blocked the transfer, and is demanding that I provide them with full, unredacted copies of bank statements for the other banks in order to unlock my account. 

I offered to provide them the statements with the transaction details redacted, however their customer service supervisor, XXXX, refused and stated that M & T will not unlock my ability to complete external transfers unless I send in these statements. 

I consider this a major privacy violation and will not send those statements in unless I am able to redact my personal transaction information for other banks.

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 2018-04-04
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I`ve applied for a " Secured Card '' Credit Card service With the Wellsfargo Bank on XX/XX/XXXX ; It was explained to me by the banker on this occasion that this card will receive as a transfer from my checking account a amount of {$300.00} in 3 to 5 businesses day after I receive the card, but actually this happened the other way around, yesterday XX/XX/XXXX, the Bank charged me the {$300.00} already, I went to my mail box to check if the card has arrived and instead I got a letter from them telling me my information was still being verified, I called them and went to the branch to talk to the banker and I was told twice I got it wrong and that the process is charge first then send the card later, now, because they did that My account reached {$0.00} Today and I was left with nothing ; I asked them to cancel the card then and give my money back and I was told that this process would take 15 business day to reimburse me ; they also fail in confirming that the card was send, they only told me I " Should be good '' meaning I should receive the card in 5 Business Days because the money was already taken from me ; so long history short : they offered me a credit card charged me before I had it, won`t give back my money and I was left with a " Should be good '' answer.

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 2017-12-21
Company: EQUIFAX, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
I have not gotten an up to date report showing information has been corrected by Equifax. Nor have I gotten a free credit score showing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Ability Recovery Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a follow up complaint, as prior complaint was closed without addressing actual issues. In the attached documentation it is clear that inaccurate information is being reported and illegal duplication accounts being reported. 

No validation response has been received from ability recovery. The documentation attached to the response to the complaint does not provide any justification for incorrect and inconsistent dates, or the illegal duplicate reporting. Again, the information reporting is false and defamatory and needs to be removed immediately. 
The response is incomplete at best and provides false information. Stating that I have been provided documentation is an absolute lie, I have never received any documentation from Ability Recovery. I provided proof of the dating inconsistency and duplicate reporting, which is illegal.

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 2023-06-16
Company: ADP Inc.
State: WV
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:
My entire bank account was wiped out a day after my payday, and when I tried to dispute it through wisely, which is through XXXXXXXX XXXX XXXX they denied my dispute because they said I recognized the transaction, however, never once did I authorize a payment, let alone a withdrawal by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America is stopping me from opening a bank account anywhere i go the XXXX report states XX/XX/2014 ( suspected fraud activity ) i had overdrawn a big sum of money from my checking account. They pocketed my check for 3 week with false hope of being compensated after it all cleared, with no money to pay my bills after 3 weeks of hard work i left the account as is and also had to begin work for another company after feeling so helped and used a coworker helped me out with some " coins '' i had to pay back after this mishaps. I still hav n't got a XXXX of the money i worked for. I also had been having XXXX siphon back the loan that i had got from school which was a long 3 year process which I let happen so i could avoid that being on my credit if thats through Bank of America i dont know, which one is stopping me from opening an account but neither should be.

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 2018-07-15
Company: Experian Information Solutions Inc.
State: MS
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:
Between the years of XX/XX/XXXX and XX/XX/XXXX, my parents ( XXXX and XXXX XXXX XXXX : address XXXX XXXX XXXX XXXX, GA ) ( the police report upload has it a few items mistaken like the name on it has XXXX not XXXX ) took out many student loans under my name without my permission with themselves as co-signers. The disturbing part is the fact that the XXXX has paid for my entire schooling and I have proof of that. I had contacted all of the credit bureaus ( Experian, XXXX, XXXX, etc. ) to let them know what had happened with a police report and proof. But they are still reporting the student loans with incomplete/omitted information, that is bottom line fraudulent. Also after contacting them discovered that they were not keeping up with the right information anyway, like my home address. And if it was changed, my parents did so by using the return address on the gifts I would send my baby brother, never by me. They never tried to do research to find the paper trail, because if they did they saw the paper trail they wouldve seen that the money went into their private accounts and never used for school. The companies that Ive found so far are as follows ( all amounts are approximate ) : 1 ) XXXX/XXXX- {$3400.00} 2 ) XXXX XXXX XXXX- {$10000.00} 3 ) XXXX XXXX- {$17000.00} 4 ) XXXX XXXX XXXX- {$16000.00} 5 ) XXXX XXXX XXXX- {$10000.00} 6 ) XXXX XXXX- {$3400.00}

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 2017-12-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed

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 2020-05-27
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:
Transunion, XXXX  credit freeze I applied for XXXX  settlement which they said was $ XXXX $ XXXX I never received my settlement check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, and my wife name is XXXX XXXX. We obtain a Mortgage loan with Bank of America N.A in XXXX to purchase a town house in New Jersey. The property address is XXXX XXXX XXXX XXXX NJ XXXXWe are so current in our payment until year XXXX. Unfortunately I lost my job in year XXXX, so also my wife lost her job. We seek for help from Bank of America N.A. for loan modification but we were denied. Due to the hardship we were defaulted in payment for 2 years ( XXXX XXXX ). Then we filled a Bankruptcy through NJ court, and we were discharged from financial obligation of the property in XX/XX/XXXX. Also we filled a notice of abandonment which was approved by NJ court. We moved out of the property. We request for a short sale of the the property from Bank of America through the loan servicing company ( XXXX XXXX XXXX. ) The short sale was approved by XXXX XXXX XXXXXXXX, but was denied by FHA/HUD. The FHA/HUD ordered that the property must be foreclose and advised that Bank of America N.A should initiate the foreclosure. Bank of America N.A. through their representative have taken possession of the house since XXXX, and they put 3 locks to secure the property. We have no assess to the property, our request for short sale was denied and the foreclosure process that we did not object to was never completed. The Condominium Association of the community has taken us to court twice to get a judgment in the amount of {$8000.00} in the XXXX and {$29000.00} in XXXX. They claimed that the property title is still on our name even though we don't live there, and also for the fact the Bank has taken over the property by securing it with their locks. 
Bank of America N.A. through their representatives : XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX NJ XXXX. Tel : ( XXXX ) XXXX have failed to complete the foreclosure process to get the property off our name for 6 years. We contacted FHA/HUD about this matter, and they condemned the action of Bank of America on the foreclosure process and described it as EXTREME DELAY OF FORECLOSURE PROCESS. We are stalk as a victim between the Bank and the Condominium Association to keep paying the association fee for the services that we do not benefit from. We are soliciting for your help to let Bank of America .N.A through their legal representative ( XXXX XXXX XXXX XXXX XXXX XXXX ) to please either complete the foreclosure process or sell the property to get our name off the title. 
Thanks XXXX XXXX & XXXX XXXX Tel : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX MD 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 2021-08-09
Company: EQUIFAX, INC.
State: VA
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 have sent a certfied latter and police report to Equifax about inquiries on my report i have no idea about and here today XX/XX/XXXX i get my results back and it says all inquiries i disputed are factual .... And may i add they took 1 day to do this i see it clear XXXX  day on my Equifax. Com i want a re investgation its the law to remove all Fraud inquiries that i have not approved here are all the inquiries ... XX/XX/XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX .... XX/XX/XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... XXXX.. XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX .. XXXX XXXX XXXX .. XXXX XXXX ... These are all FRAUD INQUIRIES PLZ fix and remove with 30 days or i will take legal Action ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX  XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion, XXXX, and XXXX continue to deliberately report inaccurate and fraudulent accounts on my credit profile. I've submitted dispute letters as well as an FTC report to have this situation rectified. To no avail, the inaccuracies still remain. Under FCRA US 1681 b ( XXXX ) this is a complete and utter disregard of my rights and will be addressed in litigation if not verified, validated or deleted immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, I have Apple card, it is issued by Goldman Sacks.

2 weeks ago, on XXXX os XXXX, Apple put restrictions to my card and did not explain anything. they do not allow any transactions, and I got several subscription services in jeopardy because of non-payment. my credit score is XXXX. 

I chatted with apple card support several times and tried to get any information about what is going on - they ignore me. they only write " we investigate the matter ''. I paid in full before the monthly statement to avoid any hassle and decided to close this account out. 

They never responded what kind of matter they investigate, and worse - they do not allow me to close my account out. 

two days ago XXXX refunded XXXX USD to this card and current balance is negative, technically, they owe me money, but they ignore me anyway. they do not respond to chat, they do not provide a call number for a call and they keep my money. 

I want to get rid of this nonsense card, but they do not allow me to close it, although it is they who owe me money. 

Apple card is a fraud.

Company response to consumer: Closed with explanation