BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: MA
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:
Due to a XXXX illness which took me out of the work force while waiting for my XXXX to be approved a XXXX month process without a check or insurance. Followed by the death of my Father in law and Mother in law who we shared a house with and the lay off of my wife after XXXX years with XXXX in XXXX I found myself unable to pay any of the bills I had incurred and until we sold our house in XX/XX/XXXX was I then able to work out settlements with all my creditors except XXXX. I paid around XXXX dollars worth of outstanding balances to bring my credit report back into good standing minus XXXX. They were unwilling to work with me and unfairly treated my situation due to the fact they repo my leased XXXX  with below the mileage which I paid XXXX down and made all payment until XXXX when I ran into money problems. I reached out to Equifax to have them removed from my credit report and in the process they took a dispute from XXXX and lowered my credit score XXXX points because I pointed out the issue with XXXX. All my hard work and time and effort to bring my credit score to XXXX and bam its lowered XXXX points because I disputed something. I have reached out to equifax and asked them to fix this problem but I also wanted to see if you could help me with this issue Any more information please let me know XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, I check my checking account and found that {$310.00} and XXXX amounts were withdrawn from my account without an company name showing who did the withdrawal. I call PNC customer service inquired they could not tell me why there was no company listed as to who took the money out of my account. I was given the runaround and no response to my question. On XX/XX/2023 the customer service relation agent picks out two companies on my checking account as the companies that took this money out of my account which had two total amounts then the two unauthorized amounts which was {$290.00} and {$320.00} and there was never a dispute file on these amounts nor the companies. PNC refused to assist me, they simply wrote a letter with no basic to the complaint and refused to assist me further. I wrote a complaint to the OCC and were referred to CFPB. Prior to discovering the {$310.00} and {$290.00} amount which I never filed a dispute on. On XXXX I filed disputes on monies that was taken from my checking account in multiple amounts. PNC put the amounts back into my account and supposed to have investigated but two months later PNC did an reversal of all disputes in the amount of over {$1100.00} ( See attached PNC response letter, it does not make any sense, see how they tried to make the two different amounts match the amount taken from my checking account. The two company that PNC used as the company I disputed offer to verify that I never filed a dispute against them nor had any problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It is abundantly evident that Truist Financial Corporation ( Truist Bank ) does not honor the rights of consumers or the law pertaining to debt collection practices. Truist Financial Corporation XXXX Truist Bank ) have been abusive, deceptive, and unfair while attempting to collect on an alleged debt. The most evident is the invasion of my individual privacy. I did not authorize Truist Bank to use my social security number or any information to create an account. I, XXXX XXXX XXXX, the consumer notified in writing to Truist Bank to cease communications and requested to validate this alleged debt, which was delivered certified mail XX/XX/2022. Pursuant 1692g ; I, the consumer hold the right to dispute the debt and make certain requests. During this period the debt collector shall cease collection of the debt, or any disputed portion thereof. 
Truist Bank violated my consumer rights during this period of validation of the alleged debt. Truist Bank communicated my information to another party ( XXXX XXXX XXXX and XXXX ) about this alleged debt. This party harassed, oppressed and verbally abused me by telephone communications. This party has sent repossession tow operators to my abode to collect a disputed portion of the alleged debt during this period. This drew attention to my neighbors ( persons ). Truist Bank failed to communicate to XXXX XXXX XXXX XXXX that the disputed debt is disputed. 
Truist bank continued to send notice of late payments during this dispute. Truist Bank continued to report inaccurate information to the Credit Reporting Agencies, ruining my reputation and effecting my credit worthiness as a consumer. The Banking system is dependent upon fair & accurate credit reporting. 
My identification and financial information have been used and transferred without my authority by Truist Bank.

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 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I became aware that a fraudulent card had been opened in my name through the Bank of America in the form of an XXXX XXXX  XXXX. I received a credit card statement in the mail from Bank of America, which I believed to be a false statement. Upon reviewing my accounts and credit history, I learned that this statement was factual and that there had been a fraudulent card opened. 

After speaking with representatives at Bank of America, I learned the account was opened on XX/XX/2022. 

The XXXX Department at Bank of America stated they would be closing this account and I would be receiving a fraud statement within 10 days, that must be signed and returned within 10 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Exeter Finance Corp.
State: LA
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 XXXX XXXX has vbiolated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: NC
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 has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX  XXXX XXXX XXXX of inquiry : XX/XX/2020 ; XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX : {$2800.00} ; XXXX XXXX Date of inquiry : XX/XX/2020 XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: The Aligned Company DBA Extra
State: LA
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 XXXX XXXX, has vbiolated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm not sure sure what's going on but I filed a dispute all the way back in XXXX of last year and have yet to hear anything back from the bureaus. It was XX/XX/XXXX to be exact. I understand we're in a tough time right now with COVID but it's been over 60days and that's unacceptable. The time to respond is 30 days according to law and again it's already been 30. Remove the incorrect information from my report please you are causing me and my family stress, COVID is causing enough stress as it is. Resolve this issue as soon as possible please. I will be attaching the original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, 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: Reporting company used your report improperly

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

Equifax is governed under 15 USC 1681. And they violated my rights several times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I had made a sizeable cash deposit to my account, several hours later that day, I received a notification through email that my account balances had dropped below {$100.00} on all XXXX deposit accounts in my name. There were multiple transactions including, phone transfer, ATM withdrawal, and counter debit. These attempts were tried on all accounts, about {$17000.00} in withdrawals and fraudulent transactions were successful. At that moment I called the Bank and informed them that these transactions in question were not me. I filed a fraud claim immediately and got claim numbers. I was told to open a new account the next day, so I could have any refunded funds moved to the new account, I was also told a hold on transactions would be placed on the old accounts. Since then, I received a letter saying that my claim was denied, I rushed to the bank and later that day I received a refund of {$960.00}, but the larger amounts or {$8000.00} and {$8700.00} are still pending.

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 2023-10-20
Company: EQUIFAX, INC.
State: NJ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX live at XXXX XXXXXXXX XXXX XXXX, MD XXXX, Phone number XXXX. I filed my income tax returns for the XXXX  tax year and my tax preparer accidentally entered the wrong account number. The money was sent to Bank of America ; state sent {$4500.00} on XXXX  XXXX and IRS sent {$7100.00} ( this is adjusted returned ) on XX/XX/XXXX. When i noticed the state refund did not show up after a couple of days, I called my tax preparer and went over the banking info and noticed the error. I called bank of America a few days after the state refund was issued and was supposed to show up in my bank account with 24hrs but did not. I was told to give a couple days and that the fraud detection system was going to alert the them and they will return the refund to the state. That could take up to 10 business days. After 10 bussiness days i called them and they said they still have not received my refund. I gave them the wrong account number that was entered, and they confirmed it is a legitimate BOA account but because of privacy reason, they can not discuss anything about this account. I was sent to ACH department, and it confirm the refund has cleared into the wrong account but i should call the statte and have them initiate a return of my refund. I called that state of maryand and was told the money was issued based on the information provided and according to the state, the refund has been issued and there is nothing they can do. The state advice that i go to a BOA banking center with my taxes refurn filing paperwork and my identification information. I went to Bank of America center in XXXX located AT XXXX Race XXXX XXXX, XXXX ( XXXX ) XXXX and spoke to the assistant manager. Her name is XXXX. I gave her my tax return and my driver 's license. She created a CASE WITH NUMBER XXXX and asked that I stop by the next week. When i stopped by, she said the complaint was closed and no reason was given for the closure. She doesn't know how else to proceed. I called BOA customer services and asked to speak to a supervisor and the person said, they can not help me and that what he is telling me is the same information the supervisor would tell me. So bank of America deposited {$11000.00} of my tax refund into someone else account and they do not even have the curtesy to alert that indivual, they are holding money that does not belong to them. PLEASE PLEASE help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX, XXXX. 2022 I asked TransUnion to investigate the below listed accounts for accuracies. On XXXX, XXXX. 2022 TransUnion responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate XXXXXXXX XXXX XXXX XXXX XXXXXXXX See report for inaccuracies XXXX XXXX XXXX XXXX Date opened. Inaccurate Date last activity. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof

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