BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX my bank acct was taken over by fraudsters - they had access to my account and they XXXX  me ( I didnt get funds ) {$3500.00} but immediately changed it to {$3400.00}. They changed the card, phone # and email I already had on file. I did not do this transaction! There is NO WAY or reason why I would XXXX myself and change all my account info! I dont understand how BOA ruled this as an authorized transaction on XX/XX/22 They are also showing that this fraud wasnt reported until XX/XX/22. NOT TRUE. It was reported within XXXX mins at the local branch who put me on XXXX  phone with fraud division. I was beyond hysterical that day & honestly could tell no one what had happened so I expected a follow up phone call from BOA. Didnt happen & they called it authorized approx 45 days later. How can they make such a determination without further questioning me about the circumstances???? 
I reported my phone to XXXX care as acting suspicious on XXXX and XXXX. My phone was infected giving these fraudsters access to all of my sensitive information..Due to my mental states, I did not have the opportunity to explain this to BOA branch on XX/XX/22

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Referenced account is not in collections for XXXX XXXX XXXX XXXX XXXX and the agency of McCarthy, Burgess, & Wolff is not licensed to collect a debt in my state. I visited the website and entered a reference number that was left on a voice and the records were not found in their system. I believe it may be a revenge tactic for my business receiving a recent trademark registration. Or, Imposters/hackers were trying to steal my business credentials and certifications and company website, and line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My Business XXXX XXXX XXXX account mailed a check for {$5500.00} to U.S. Treasury. The check was deposited into a Bank of America account. 
I filled a claim with XXXX on XX/XX/2023, XXXX submitted claim for fund reimbursement. To date Bank of America has not responded to XXXX request of claim.I have sent 4 emails directly to Bank of America fraud claims with no response. 

The check for {$5500.00} was made out to US Treasury, The check was deposited into a Bank of America account, which is clearly not the US Treasury. It has been over 90 days now. XXXX claims that BOA is responsible for the funds. 

My claim number is 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 2023-09-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have contacted Wells Fargo several times for the information I was provided by Wells Fargo lawsuit against them. I am concerned I have some one in the company my personal information and I still have not received my lawsuit money from them yet. Please help and tell what I need to do

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 2023-01-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am a natural human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I do not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction.

Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
As of XX/XX/XXXX There was a balance of {$6.00} left on my account, I'd left a small amount on my account and stopped using it however I did not close the account. Overdraft had been opted out since XX/XX/XXXX. On XXXX and XX/XX/XXXX Bank of the west allowed my account to overdraft and applied related fees to the total amount of XXXX. I did not receive any notices that my account was over drafted and did not see this until it appeared on my credit report and crashed my score that I'd have been working on improving for the last XXXX years When this appeared on my credit report I tried to contact bank of the west XXXX different times and was hung up on in both instances. My account should have not been allowed to overdraft as the feature was turned off.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is blatantly breaking the law. AND XXXX XXXX XXXX IN THE SPECIAL HANDLING DEPT HAS REFUSED TO FOLLOW THE LAW.She even blatantly lied and said hard inquires are indisputable. THIS IS FALSE! I have reported identity theft with ftc and have sent information to Transunion including two pieces of documentation of my theft and they have REFUSED to block any information on my credit report that was a result of the identity theft.

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have had no transactions with with any of these hard inquiries or accounts that are on my identity theft report.

transunion sent a letter back saying they denied the block because " i have obtained possession of goods, services, or money. " This is a lie and they have no evidence that i have obtained ANYTHING nor have i obtained anything from these accounts or inquiries.

According to 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I ask that Transunion provides factual evidence that I have received possession of any goods, services or money with wet signature giving any of these hard inquires or fraud accounts permission to report on my credit report OR for Transunion to deny blocking this information WITHOUT EVIDENCE.

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 2023-12-04
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
15 usc 1605 was violated. 15 usc 1662 was violated. 15 usc 1635 violated. the company is exter fiance. once we get in contact i will have more info. for you guys thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
When I opened the Home equity line of credit at my local XXXX Bank in XXXX Michigan, I was told that before the 1st year ends, I could call and lock in the 1.99 % year one promotional rate for {$50.00} fee. I called today to lock in that rate and was told that is not an option, that I can not lock in a promotional rate, that I could lock in a rate of XXXX0.24 apr for {$95.00} dollar fee. I was told when I opened the account to take advantage of this year 1 rate by spending now and locking in the rate. I was lied to, and the company could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: FREEDOM FINANCIAL NETWORK
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Freedom has long known that certain creditors have policies against negotiating with debt-settlement companies such as Freedom.

18. For example, in late 2011, XXXX XXXX XXXX XXXX XXXX, a local XXXX XXXX XXXX XXXX, aired a story about two Freedom customers who complained about Freedoms inability to settle debts they owed to XXXX XXXX  confirmed to XXXX XXXX that it does not work with debt-settlement companies. So as early as 2011, Freedom had notice and knew or should have known that XXXX would not negotiate as a matter of corporate policy. 
19. Freedom has actively sought to reverse creditors policies against negotiating with debt-settlement companies. For years, it has maintained a team I was charged a total of {$6500.00} to date to settle XXXX worth of debt. Freedom debt relief is still negotiating with XXXX knowingly not able to settle the debt. They claimed that they paid XXXX 3 times because of a one time failed payment. They lied about the time frame of the settled debt. They mislead me by not informing me of the fees and time frame in which the debt will be resolved.

Freedom did not disclose to consumers before they enrolled in its program that they might be required to negotiate with creditors on their own, including by deceiving their creditors, in order to settle their debts. Freedom also did not disclose to consumers before they enrolled in its program that Freedom charged consumers its fee, usually in the thousands of dollars per enrolled debt, even when consumers themselvesnot Freedomnegotiated the debt settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
JCMCB Card Services denied a Chase Sapphire card and sent me a denial letter. I did not apply for this card and transunion did a verification with them. They provided transunion my info with the phone number XXXX which is not my phone number and has never been. I called that number, its not a valid number. I can not get an accurate number for JCPMB that gets me to a representative to file a complaint. Its fraudulent, was not me and needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: In progress
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from Frist National Collection Bureau Inc. on XX/XX/2023. I wrote a dispute letter that has a receiving time stamp of XX/XX/2023 on USPS tracking website. I did not receive a response from the company with 30 days. As of XX/XX/2023, I called the company to see if a response was sent to my home address. The agent confirmed the company had not received my disputed letter in addition, I was no reply was sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRUIST FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been blocked for two weeks. It has been no fraudulent transactions.

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 2023-08-18
Company: Experian Information Solutions 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:
Dear Recipient : I am writing to ask for assistance in a matter in which Experian ( regarding a collection from XXXX XXXX ) Has refused to properly communicate with me, ignored written request for documentation and in clear violation of the law has reported inaccurate information to my credit file. I have enclosed several copies of letters that I have written to try to resolve this problem. I have also forwarded all the information which I sent you to the credit bureau proving the debt is not mine and asked the credit bureau ( Experian ) and XXXX to Validate the debt by SS #, DOB, and a copy of a written contract or electronic contract bearing my signature and all refuse to do this or provide competent evidence which shows ownership of this acct.

I am Asking that the CFPB intervene as they have made no attempt to provide the documents I have asked for in numerous written attempts. They also failed to provide me with a written Method Of investigation, showing how the company and credit bureau came to its decision. I have placed a formal written complaint with the XXXX, FTC and the CFPB. If the acct. in question is in fact mine the documents, I have asked for should be readily available and the bureau ( Experian ) and XXXX should have no problem producing these documents. They can not provide them because the account in question is not mine, and I did not open the account or sign into any agreement with XXXX for this acct. Please understand I am asking for Validation of the ownership of the account ( proof ) not verification of my name and address which is public information and can easily be found on the internet. The only resolution to this matter is that XXXX XXXX and Experian remove the account from my credit file. No other outcome will be acceptable. I have disputed the account with The bureau and no acceptable outcome has been reached. 
The credit bureau is in clear violation of the law, both the FCRA and The Fair Debt Collection Practices act. I have provided numerous documents which show competent evidence on my behalf, and I am now demanding action be taken to correct this matter as it has now cost me the ability to buy a home using my VA home loan, as I am a XXXX Vet. I ask that a complete and thorough investigation be done in respect to the violations of federal and local law by the credit agencies and XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
You're violating my consumer rights. You do not have permissible purpose to furnish anything in reference to me to the consumer reporting agencies without my consent. Im demanding you to cease communication with me through all mediums, including consumer reporting agencies! Pursuant to 15 USC 1692c ( b ), you did not have my prior consent to communicate with any third party, in connection with the collection of any debt, with any person other than the me! You're damaging my reputation with these unfair and deceptive practices along with affecting my credit worthiness with this unauthorized reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Someone open an account with my information without my permission, I didnt check my emails for a long time, once I noticed that debt I tried to fixed it, changed my password but it was too late. This was around 2018 been trying to fix it for a while now, trying to get rid of a debt I didnt acquire, I dont think its fair to pay a debt its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to TransUnion and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.

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