BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a " Free for Life ''. checking account with the XXXX XXXX XXXX XXXX in the mid-XX/XX/XXXX's. The account was acquired by several different banks, ending up with the Bank Of America. The account has been with them for many years, since XX/XX/XXXX.
Every 3-5 years BofA has started to charge fees on my account and I call and, after BofA researches my account, the fees have been reversed. I have been told that notes have been included in my account so the problem will not happen again.
Last month BofA again stared charging fees on my account. When I called I was informed that they had " converted '' my account and that they have no products that are " Free for Life ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US 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 2022-07-15
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This item I demanding to be deleted immediately : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, 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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MN
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 contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX that was fraudulent there is 3 credit cards one from XXXX one from XXXX XXXX and one from XXXX XXXX XXXX that should not be there. There is an auto loan with XXXX XXXX and another company that should not be there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2022-07-15
Company: Apex Mortgage LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX Executive Vice President Apex Mortgage LLC NMLS XXXX I was the listing agent on a transaction where XXXX was acting as a loan officer. When confronted that he wasn't a licensed LO he said he's an attorney and doesn't have to be. Also, he is not a licensed atty in Maryland. Furthermore, he acted extremely unethically. When I asked why he didn't need an extension to the contract of sale he told me he just uses a blank one. There were 2 months worth of delays. He told me he was reimbursing the buyers agent some of his commission that the buyers agent agreed to give up. Additionally, the buyer in the transaction told me he wired XXXX $ to the mortgage company. When I told the buyer that the Sellers cancelled the contract 2 weeks ago the buyer didn't know and the XXXX, XXXX, told the buyer he would return his money and offered him more money to not report him because he had XXXX. This guy is a predator. The story goes on and on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Penn Credit Corporation
State: PA
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:
Hello. XX/XX/2022 contacted PENN CREDIT CORP about account showing incorrect information. Unwilling to help resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have sent SEVERAL LETTERS and submitted SEVERAL online disputes to have my Transuion personal statement REMOVED and fraud alert removed! I need ALL personal statements removed from my Transuion credit report. I also need ALL fraud alerts REMOVED from my transunion credit report 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 explanation
Consumer complaint received 2019-11-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed an account from WF in my credit report on XX/XX/XXXX. The account is a charge off account opened in XX/XX/XXXX that doesn't belong to me. I file the dispute with XXXX  and XXXX  in XX/XX/XXXX and I got the response on XX/XX/XXXX as verify, they didn't make any change on the account. Then on XX/XX/XXXX I submitted another dispute letter to XXXX  and XXXX  along with my USA passport, Social Security card, driver license and current bill showing my address and name asking not only to remove the account that in no mine but to correct my name that appear with a middle initial that I do not have and I did receive the response from the two companies, XXXX  and XXXX  in XX/XX/XXXX and XX/XX/XXXX with the same response that I have in the first request, account update and no changes made. 

For this reason I am appealing to you to ask for the investigation of this account in my credit report that is affecting my integrity : Account name : Wells Fargo Date Opened : XXXX Charge Off amount : {$4300.00} Charge off date : 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 2022-02-16
Company: Experian Information Solutions Inc.
State: NC
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-09-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS has been reporting a collection account to XXXX for at least the last year, regarding a medical debt to XXXX XXXX XXXX for services dating from XXXX. 

When I look at the address ARS reported as associated with the debt, it shows an address in XXXX, XXXX XXXX, where I have never lived. This debt is n't mine. And I have never lived in XXXX XXXX or used any address there. The item does n't show on my XXXX or XXXX XXXX credit report, it only shows on XXXX. 

So, I disputed the debt via XXXX several times. XXXX says they contacted ARS, who " confirmed '' the debt is mine, although I was provided no information how ARS made this confirmation. How did ARS determine this was mine? Especially when the billing address is XXXX miles from where I live? 

ARS does n't seem interested in checking basic facts before reporting to what can effectively ruin my chances of getting loans. Despite it not being on either of my other reports, and despite nothing else on my credit indicating I 've ever lived in PXXXX 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 2022-07-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am owed a refund of {$250.00} and I have not received the check. They say they have sent 3 times and it never arrives. I asked for them to send a trackable method and they refused. I asked for it to be sent electronically to my account and they refused. 

Need this resolved, been going since XX/XX/202XXXX 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 2022-07-15
Company: CITIBANK, N.A.
State: FL
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:
Dear CFPB, on XX/XX/XXXX, I bought the following items ( listed below ) under Order # XXXX from XXXX paying {$370.00} thru XXXX XXXX Citi Master Card, and returned them all on XX/XX/XXXX, due to many reasons like defective items and different stuff delivered ( one box had 3 packs of XXXX sparkling water instead of what I had originally ordered ) so I decided to send them all back : XXXX - XXXX XXXX Spotlight Cam 3 Pack ; XXXX - XXXX XXXX XXXX ; XXXX - Adjustable In/Outdoor Metal Wall Mount 3 Pack XXXX XXXX - XXXX XXXX Wired Video Doorbell. 

Since then, I have been dealing with Citi Cards and XXXX, fighting for my refunds which have been in and out, back and forth with disputes, phone calls, and e-mails to request their refund all in vain so far. 

On XX/XX/XXXX, XXXX finally sent me an e-mail stating they had deposited a final refund of {$230.00} on my XXXX Citi Master Card account but unfortunately until this date ( XX/XX/XXXX ) Citi Cards has not given me any response/reply to that. 

Therefore, I beg XXXX a sincere help to represent me in order to get what's mine back to where it belongs, my banking account. 

Thank you for your attention in this matter. 

Sincerely, 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 2017-09-07
Company: EQUIFAX, INC.
State: DE
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 contacted both the collection agency XXXX XXXX XXXX XXXX. and the creditor, ( XXXX XXXX ). The creditor investigated and then sent me a letter stating that this NOT my debt and will inform the credit bureau 's to delete this account, however EQUIFAX refuses to delete this account in spite the request to delete the account from the collection agency, which was also sent to them on XX/XX/XXXX, and me faxing them the same letter clearly resolving me of this debt from the creditor twice, once on Tuesday, XX/XX/XXXX and again on Thursday, XX/XX/XXXX. To this date,XX/XX/XXXXEquifax continues to say they have not received any contact or information from the collection agency and they can not use the information that they have finally received from me until it is " verified '' and that they are still investigating a dispute sent by me, I only requested one dispute and they state it has since been resolved and that it is still my debt. I do n't understand what they are still investigating when there is clearly nothing left to investigate, this is unjust, and unfair and this account needs to be deleted immediately. I have also filed a fraud report with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have called XXXX XXXX for a week and have not received a callback. I have not authorized this company to pull my credit. its for XXXX XXXX. when I call they say they have no information but yet they reported me to TransUnion credit report. I have an inquiry on XX/XX/2019 this not from XXXX XXXX. XXXX sent me a letter but yet solved this problem. I need help getting this removed TransUnion needs a letter from the company as to remove this from my credit report. am not getting any help I been trying for last few months to take care of this. please 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 explanation
Consumer complaint received 2022-07-15
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: Account information incorrect

Complaint:
I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( XXXX, Equifax and XXXX ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXXXXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXX XXXX Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Key Bank is refusing to return my funds, as held in a personal checking account. 

I opened the account on XX/XX/2022, and the account has been frozen shortly thereafter, per previous CFPB and XXXX complaints. Please find the previous CFPB complaint attached. 

Key Bank responded to my complaint on XX/XX/2022 by summarizing the situation, but there has been no resolution to the matter. My balance of {$1500.00} has not been returned to me, nor a timeline for this disbursement. 

I would also advise that Key Bank revise and update their antiquated business practices with regards to identity verification. Key Bank states this indefinite hold of my funds is because they can only verify my identity by physically visiting an out of state branch. Given the advances in technology with public knowledge databases like XXXX, a customer 's physical presence should not be necessary. 

Alternatively, if Key Bank does not wish to invest in modern technology, Key Bank can request further information from me to identify myself, but has not done so. I proactively called a branch and customer service offering to provide identity documents like my XXXX passport, drivers license, and/or utility bill, but was denied. Coupled with the risks of the COVID pandemic, this is a perfect opportunity for Key Bank to update their outdated business practices with regards to requiring laborious in-branch visits. 

I would appreciate immediate disbursement of my full balance of {$1500.00} via a trackable shipping method, like XXXX. 

Thank you.

Company response to consumer: Closed with explanation