BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, someone fraudulently transferred {$2100.00} through XXXX from my Bank of America checking account. I prepare taxes for a living ( so I was very busy on XX/XX/XXXX ), therefore I didn't discover the fraudulent transfer until XXXX XXXX on XX/XX/XXXX. I immediately called Bank of America about the fraudulent transfer. They put a " freeze '' on my checking account, gave me a claim number, gave me a new online ID and temporary password, told me that it would be 10 business days until they would/could give me a temporary credit. My husband and I went to a local Bank of America branch on XX/XX/XXXX to open a new checking account. The local Bank of America employee had me look in my phone at my email account, and we discovered in my trash email folder, an email ( that I had NOT AUTHORIZED ) confirming that " I sent {$2100.00} to XXXX, XXXX ''. He said that they most likely hacked into my XXXX email account through my cell phone. I changed all of my passwords, filed a police report and FBI report, put a freeze on my credit with all three credit bureaus per their advice. So on XX/XX/XXXX, I called Bank of America 's digital fraud department because that was the 10th business day, and they said that the claim was denied per the " investigator '' because the device that was used to authorize the fraudulent transfer, had been used to access my online banking back in XXXX and was also being used to access the BofA mobile app since the freeze took place. That is because it is MY cell phone that was hacked into! They reopened the case with the " new '' information and said that it would be resolved no later than XX/XX/XXXX. We have been customers with Bank of America for over 24 years with NO issues in the past ... ..I also never use XXXX transfers to send any money to anyone! My husband and I NEED this {$2100.00} back to cover our XXXX federal tax payment and additional bills! This has been RIDICULOUS!!! We were stolen from and now BofA is accusing us of being negligent and authorizing the fraudulent transfer! 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 monetary relief
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA XXXX Balance {$3200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: IL
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:
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 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 2022-05-25
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX FIN Account # XXXX, XXXX Account # XXXX, Bankruptcy Account # XXXX, 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 a account without my written instructions

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 2019-09-19
Company: EQUIFAX, INC.
State: CA
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: SC
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 sounding the alarm on Equifax, XXXX, and XXXX! This is the case because Equifax continues to hold my credit reports hostage by refusing to send me my own credit reportswhile they illegally monitor, manipulate, and intentionality, maliciously, and recklessly expose, conspire, and disseminate my confidential identifying information to like-minded perpetrators to use and misuse continuously! It is time to take action against Equifax for its targeted, intentional efforts to use the credit bureaus as a tool to discriminate and oppress the XXXX American community! It is time to investigate Equifax and ENFORCE THE LAW under the Fair Reporting Credit Act! Our democracy is at stake, as credit bureaus hold important identifying information that when placed in the wrong hands can do significant harm. Therefore, I am demanding that the Consumer Financial Protection Board, The Federal Trade Commission, and local, state, and federal law enforcement agencies take IMMEDIATE action against Equifax for its ongoing intentional, breach of consumer information. 

XXXX XXXX XXXX is suspected of working with Equifax to target the credit of XXXX Americans, who may be in the process of buying a home or attempting to get the best rates on insurance, etc., by intentionally reporting false and inaccurate information. For example, when I applied for credit in XXXX at XXXX XXXX XXXX, the store XXXX, who ran my credit, stated that I had good credit. However, I learned shortly thereafter that the store XXXX had reported a false address, XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina, and another XXXX XXXX person falsely reported late payments for XXXX and XX/XX/XXXX. However, there was only ONE late payment in XXXX, XXXX ( Please see attached evidence ). I demand, based on the laws under the Fair Reporting Credit Act, that this false and inaccurate information be deleted from all three credit bureaus immediately! I find it VERY strange that the store XXXX stated that they only report to Equifax, but XXXX JUST ADDED the fraudulent 30 days to my XXXX report AFTER the last Complaint I filed with the Consumer Financial Protection Board. Also, XXXX is reporting the fraudulent 30 day late payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: ALLY FINANCIAL INC.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
All of my XXXX accounts were deactivated on XX/XX/2022. After XXXX calls and XXXX hours on the phone with Ally and XXXX, this issue remains unresolved. I was told that one of the people who sent money to me was suspected of fraudulent activity and consequently my account was also deactivated. As a consumer, at no point was I asked for information or provided any opportunity for discourse, refute or evidence. Furthermore I'm notified that I'm no longer able to use XXXX NOR ACH transfers.

How a transaction from one party to me can effectively shut down my usage of online banking is ridiculous. Am I now being restricted to technology from the XXXX XXXX, wire transfers to move money and not to mention, the sweet fee 's that banks charge for that type of transaction? Where are my consumer rights?

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 2019-12-13
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Closed (paid off) my FHA loan XX/XX/2019 (have an escrow account refund due within 20 business days) First Freedom Mortgage sent it to the old address so I was told I have to wait 30 days before they can reissue another check. After 31 days, I called them to reissue the check. They stated it'll take 10 days for the process. Called them 11 days later as I hadn't received my refund check. They said they didn't have the right address (even though it was already provided). They said they'll reissue, I'll have to wait 10 days again. Again, no check, called them, their notes indicate they don't have the correct address and I'll need to wait another 10 days for a reissue (correct address has been provided MULTIPLE times with reps validating it each time I called. I demanded an escalation and rapid refund to over night a check to correct this issue. Was told "policy" is 10 days. It's been 43 business days, 64 calendar days for an escrow refund which has to be refunded within 20 business days. This is unacceptable.

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 2021-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BANK OF AMERICAN IS TACTICALLY DELAYING AND OFFERING MISINFORMATION OF DEBTS AND CREDITS ON ITS CONSUMER PORTAL IN ORDER TO CHARGE THEM A OVERDRAFT FEE. BANK OF AMERICA IS TACTICALLY DELAYING THE POSTING OF SECURE FUNDS FROM OTHER WELL ESTABLISHED INSTITUTIONS SO THAT THEY CAN MISLEAD CUSTOMERS ABOUT THE BALANCES AND CHARGE THEM A FEE. 

ALSO BOA HAS INCREASED ITS FEE WITHOUT PROPER NOTICE OR EMAIL NOTIFICATIONS OF UPDATE FEE SCHEDULE

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 2023-11-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: CA
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:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with XXXX report and driver license for them to remove inquires that were not authorized by me which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my XXXX  credit report and noticed a collection account that does not belong to me from Transworld Systems for an amount of $XXXX. I am in the process of refinancing my home and this derogatory item will hinder my chances of obtaining a fair interest rate on my loan. I have never had a collection account or owed any company anything in the past, so this process is new to me. Please remove as soon as possible this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Account name is XXXX Bought a new apple computer under Goldman Sachs XXXX XXXX Apple 's XXXX % for XXXX months deal. Received the computer around XX/XX/XXXX. Problems with the computer, and Apple told me I needed to buy a better more expensive one. To buy the new one on Apple card, they told me I needed to add money to the Goldman Sachs account since I did not have a high enough limit. 

Called Goldman Sachs, with the Apple rep on the phone on or around XX/XX/XXXX. Paid using ACH in that phone call.Here is that transaction record for {$3300.00} Posted Transactions XX/XX/XXXX APPLECARD GSBANK PAYMENT XXXX XXXX XXXX XXXX {$3300.00} Details Category : XXXX XXXX Credit Card Payments On or around XX/XX/XXXX, Apple had me return the laptop, and rebuy it using cash. Therefore, my entire {$5000.00} original balance became available to me, plus Goldman Sachs still held the additional {$3300.00}. I called Goldman Sachs on or around that same day. Goldman Sachs XXXX Apple Card call center ) promised that it was refunding me the {$3300.00}. 

The money has not arrived. I called Goldman Sachs again today. They admitted that in fact they had not taken any action to return the money. They admitted that it is my money. Although there is no dispute, they said that they are initiating a " dispute '' and that the soonest they will return the money -- which they essentially borrowed from me for no reason -- is XXXX days from now. 

At this point, they are holding my money that they admit is mine. That is stealing. I told them they are required to send my money back right now. 

All the Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Harris & Harris, Ltd.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received multiple phone calls from a number a did not recognize. When I answered I was asked to verify my address. I refused to do so and asked for the purpose of the call. The agent did not answer. I asked which company and was told, Harris and Harris. I asked what type of company and told " a financial institution ''. I was asked to verify my name on a recorded line and I hung up. After I XXXX Harris and harris and saw that it was a debt collection agency I called back and spoke to Ms. XXXX. She said they had been calling to collect a debt on behalf of XXXX  for XXXX. I had already discussed this with them in the past and had in fact made the payment directly to XXXX  on XX/XX/2019.

After she consulted with her manager she said they could see I made the payment and she did not apologize and just blamed it on XXXX  not reporting the payment to them - even though she could clearly see the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ) and Fair Debt Collection Practices Act ( 15 USC 1692 ). Pursuant to federal law 15 USC 1692g, I have requested in writing a validation of debt from Wells Fargo. Wells Fargo has received mail from me, via USPS certified mail, requesting validation of debt, including name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, alleged account #, amount of debt, data ( this alleged debt became payable ), date of original charge or delinquency, was this debt assigned to a debt collector or purchased?, amount paid if debt was purchased, commission for debt if collection efforts are successful. Additionally, I am requesting a signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector, any agreement that bears the signature of debtor, wherein agreed to pay creditor, all statements while this account was open, and have any insurance claims been made by any creditor regarding this account? In addition to the validation of debt requested, I am also requesting the GAAP audit trail. Please see the attached form for what was mailed to Wells Fargo. Wells Fargo also received colored copies of my SSN #, copy of Passport ID, and electric utility bill showing address. It is my hope to settle this prior to proceeding with legal action. However, if this is unable to be resolved, I will proceed with legal action.

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 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked Transunion,  XXXX  and   XXXX   to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected  my credit score and a bility to obtain a home mortgage.

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 2022-09-15
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citicards with a PERFECT payment history and less than half of my utilization lowered my credit limit from XXXX to XXXX with no rhyme or reason and said and I quote we did a bankwide review of all accounts and many peoples lines got lowered!!!!! That's XXXX!!!!! I'm sorry but I paid those people on time in good faith. There needs to be more laws with these cards I have a perfect history with this company where they gave me a certain credit line I pay all my cards on time every time yet these people WITH NO WARNING slashed my line by half that's unreal! This type of stuff needs to be illegal what they're doing. There should be a demonstration of bad history with a company before this type of stuff can happen. I'm also contacting my congresslady and my senators about this activity that citi did with no cause. I have no reason to have my lines cut. This whole credit scoring thing needs to be looked at too I pay my bills on time but yet have low score. Their system is proprietary but I've worked in credit trust me it's evil what they're doing! There needs to be laws or an appeals process or something where cardholders can stand up for themselves. Citi offered me credit with not much difference in situation in like 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 2019-09-19
Company: The Law Offices of Gerald E Moore & Associates, PC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i was a minor living with my mother not workin and attending school i turned XXXX and was told by apartment complex that i had to be added to the lease now my mother broke her lease and was charged XXXX dollars in her name i'm now XXXX and haven't been living with her since i turned XXXX i went to an apartment to sign my very first lease and was denied cause the debt of my mother is now stuck on my name as well for the same exact amount of XXXX dollars i should not be responsible for a debt that belong to my mother if i was the one who who initiated the debt i would of been obliged to pay it but i was a minor in school and i never initiated that debt i shouldn't be hindered by her negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently been harassed and called by multiple debt collectors in an attempt to retrieve payment for a debt that I have never had prior knowledge of or gave consent for anyone to open on my behalf. Ive notified the creditor of the debt that I have no responsibility to the account and that it was opened fraudulently and needs to be removed but I have not had any success in resolving this matter thus far.

Company response to consumer: Closed with explanation