BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

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 explanation
Consumer complaint received 2019-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been getting letters from Bank of America account with them it's from XXXX Florida and I never open an account with Bank of America I'm very very very sure of it it's been going on for about 6 months I sent him a letter saying that I would report them to the Consumer Finance fraud Bureau and a month later they emailed me another form saying that I am going in - {$8.00} Every time I try to reach out to them on the phone I get a recording asked me for my social security number and my bank account number I give them the bank account number but I do not get in the social security number and it will not let me go any further past that this is starting to bother me and worry me I'm afraid it's going to affect my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
wells fargo bank is blocking me access to my account/money & has since XXXX. 
XXXX store manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX she blocked all access to my own money after i reported her for not knowing how to activate an instant debit card. she retaliated against me for reporting her, and told me to call loss prevention & therefore, they told me they she told them to block my from getting my money out of the bank. me & my children have been starving and without for 2 days now because of this banks actions. i want access to my funds immediately! Also, yesterday they printed my balance & i have a paper receipt of : {$4400.00} Open XXXX ( R ) Savings Total {$4400.00} Activity Summary Current Posted Balance & today my account went down somehow by balance of : {$4300.00} ANONYMOUSLY, AND WHEN I DIALED THE XXXX THE OPERATORS WERE ASKING FOR MY ONLINE BANKING USERNAME & PASSWORD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo has delayed the review of our re-finance of house. Application was submitted in XXXX and we just found out they denied. They constantly asked for the same info over and over again. 
I was constantly calling them with no response. The manager said she was sitting at different desk that 's why she never replied!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to ERC and requesting information in which I have yet to receive a response. ERC is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSWORLD SYSTEMS INC
State: KS
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:
The company reported to my credit without notifying me first. I called them and confirmed that they sent to initial demand letter to an old address. I asked them to delete the information off my credit report and then send me the initial demand letter so I have time to take care of the balance without anything hitting my credit. The acknowledge it was sent to the wrong address but claim since they received that address from the originator that they followed all the rules. I disagree, I was never allowed time to take care of the accounts before they hit credit. They said they also had phone communication with me but during that call they never talked about credit reporting. This is very unfair and violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with USAA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XXXX, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a flight on XX/XX/2020 to XXXX from XXXX XXXX. The flight was scheduled for XX/XX/XXXX to XX/XX/XXXX. This was before COVID was on the radar in the US. 

COVID was then declared a world-wide pandemic in the middle of XXXX. I chose to cancel my flight when XXXX offered a flight voucher as compensation for the cancellation. 

I initially tried to purchase a flight using their voucher in XXXX and was given an error message that said " Error : The travel credit that you are attempting to use has no remaining balance available for use ''. I figured the site could be down that day so I tried again a different day I was given the same error message. As of today ( XX/XX/2020 ) I am still unable to use their voucher. 

I initially filed a claim with Chase stating this issue, but Chase sided with the merchant claiming I knew XXXX 's non-refundable cancellation policy. The cancellation policy is not the issue. The issue is that it is literally impossible to use the XXXX voucher. The voucher also EXPIRES at the end of this month ( XX/XX/2020 ). I have tried multiple times now to contact XXXX customer support team and every single phone number on their website says that the number is no longer in service or gives you an error tone. I have sent them an email via their complaint portal and never heard back from a customer service representative. 

XXXX STOLE {$560.00} from me. This is completely unacceptable and I am beyond disappointed in Chase that it was even denied the first time. 

I have exhausted all of my options. I have tried to use the voucher multiple times. I have tried to contact their customer support multiple times. I am at the breaking point where I really need my credit card company to back me on this. 

I would be more than happy to provide additional proof upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.

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 2015-08-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WellsFargo is the ONLY lender that requires a subordination agreement from a XXXX mortgage. After being underwater and Foreclosured for a few years I have finally been offered a Modification and I started making payments in XXXX 2015 just to find out that the Modification ca n't be final unless this subordination is signed by XXXX XXXX ( my XXXX mortgage ). My XXXX is not agreeing to this subordination and this will cause my modification to be cancelled and therefore to lose my home. 
These mortgage practice is denying many homeowners like me the opportunity to keep their very dear homes. It is a practice that should be banned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT AND GAINED ACCESS TO MY PERSONAL INFORMATION TO HAVE BEEN ABLE TO DO SUCH DAMAGE TO MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO 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 2019-05-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I m trying to access my online account I called multiple times and reps keeps giving wrong information. I keep being on hold long periods of time not getting help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I was given a deposit from a customer in the amount of {$4400.00} and before depositing it ( I could have cashed it at his bank ) the teller informed me that it would take 2 business days to clear and that {$200.00} would be available the next business day. So after getting a receipt saying the same thing I made arrangements with the customer to start Monday. Now I 've been informed that they put a security hold on my deposit and took back my {$200.00} deposit on this check so now they added 6 days to the time my check will clear with no reason why and wo n't do anything to expedite it. I 've called the customers bank to verify funds and now I 'm at risk of looking unprofessional for not showing up on the day we originally agreed to. What if anything can I do to take legal actions for the misinformation I was originally given which has lead to bad business practice at the hands of boa? I will be closing my account and changing banks as soon as my deposit clears I 'm just glad I did n't open a business account through them that would have been a huge mistake

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 2020-06-17
Company: Experian Information Solutions 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$19000.00}

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 explanation
Consumer complaint received 2019-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/19 I opened an account online with Bank of America, I received several emails confirming that the account had been approved, an account number was provided, and then another email was sent stating that a debit card was sent. Then on XX/XX/19 when I received the debit card in the mail, I attempted to activate the card but was unable to so I called customer service to find out that the account is being closed. Because I received the emails that the stating the account had been approved and that all I needed to do was fund the account I setup my payroll to be direct deposited into this account and the representative that I spoke with wasnt helpful at all, she simply said that Id have to wait until Friday to see if they can see if the funds in the account. I have other obligations that I have to take care of for Bank of America to make the decision to close the account without reaching out to me via email, phone, or mail, I find that to be very unprofessional and not good customer service.

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 2021-12-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Medical Data Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this company placed a collection on my credit file in XXXX of 2021 for roughly {$1300.00}. The collections was for a medical bill that I do not owe and knew nothing about. I never received a call or letter from the company concerning any debt owed. I called the company and explained that this debt is not mine in fact the debt originates from a medical facility I have never even been too. I asked the company to provide me with anything that substanciates that I owe this debt and they couldn't provide me with anything. I also sent the company a debt validation letter to demand a response and I have yet to hear back from the company. MEDICAL DATA SYSTEMS XXXX MEDICAL REVENUE SERVICE is clearly a fraudulent company and should be investigated by the proper authorities.

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 2018-07-16
Company: Experian Information Solutions Inc.
State: IL
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:
I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 2015-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Approximately XXXX weeks ago, I went into the Bank of America, XXXX MD, branch to make a deposit. Upon making the deposit, a bank executive, XXXX XXXX, gave me a sales pitch that I qualify for free checking accounts, and a visa card. My history with this Bank was for a HELOC which I recently paid off. Now, with no debt, XXXX XXXX advised me that I should take their visa card which would give me XXXX percent interest for 12 months, and up to 3 % cash back on purchases. I agreed, and applied. The next thing I find out that my credit rating dropped XXXX points because of this Banks queries, and the credit they offered was a measly {$2500.00}. Once I received the card, I immediately went into the bank and demanded they withdraw their query - which they did not. I returned the card ( which I never activated ). My complaint is due to the fact that my credit rating dropped XXXX points because of their query. I need they to retract their query, so that my credit rating can return to the XXXX is was before

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation