BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
we are just trying to pay our balance to XXXX. BofA has held our money for over 2 weeks, and no trace of it being returned or applied exists. they have threatened to charge us additional interest if we do not send them more money immediately even though we have sent them more than the balance of our payoff. I was yelled at and told that it was my fault that this happened because I don't know what their nomenclature is. 
BofA will not apply our payment BofA will not return our wire BofA is threatening us with additional interest charges and delinquent reporting if we do not send them more money. 
BofA has blamed me for this occurring on a recorded phone call with " XXXX '' XXXX sent {$67000.00} payment to BofA via wire to pay the majority or all of our balance on the HELOC XXXX made {$59.00} principal payment to BofA via online banking b/c no word on our wire being accepted. 
XXXX made {$410.00} payment to BofA via online banking b/c no word on our wire being accepted. 
to date we are {$320.00} over our payoff balance XX/XX/XXXX BofA sends letter demanding more money, or they will charge us more interest or report us as delinquent on our payments Please note- we made our normal payment, an additional principal payment, and {$67000.00} before the XX/XX/XXXX letter was penned. 
XX/XX/XXXX had discussion with " XXXX '' from BofA. she's in collections, and she confirmed that they have my money. however, they have not applied it yet, and can not send me anything in writing or via email to confirm this. She yelled at me and told me that it is my fault that they have held my funds for 2 weeks, and will neither return or apply them until they feel like it. I thanked her for the information, and informed her that she and BofA are influcting financial strain and emotional harm to me and my family as i can not afford to just let $ XXXX just vanish or go un-accounted for. and that i would be reporting them to the CFPB. 
I have received submitted multiple complaints to BofA via online banking, with no response. 

I am concerned about my money and my family 's well being at this point. BofA is engaging in incompetence at best, or an elaborate designed process that forces consumers to pay more interest than is necessary, or allows them to hold large sums of money without escrow, and without cause to bolster their short term balance sheet.

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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

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 2022-07-29
Company: EQUIFAX, INC.
State: AL
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  Account, XXXX XXXX XXXX XXXXXXXX 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 aconsumer reporting agency can not furnish a account withoutmy written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NY
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:
Over the past 6 months I had disputed XXXX collection on my three reports to being told verified. The first I disputed, second I asked for VALIDATION and third factual. I never once I got a validation from not one of these companies. If they would of actually validated this debt, they would learn it is NOT MY DEBT. You cant report something that is not mine in the first place! Second I am per consumer rights have the right for fair, true and accurate reporting. Not only is this not my account but it is being reported with different amounts. I am attaching proof to this.

Being I wrote to companies THREE times now and still have no proof of validation or even a investigation on their part other than the e-Oscar system I am requesting a IMMEDIATE DELETION. 

The law states a company must have a contract with my original signature on their letterhead with what I owe to be reported. I do NOT owe XXXX. PLUS ITS PAST XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Over the past 6 months I had disputed XXXX collection on my three reports to being told verified. The first I disputed, second I asked for VALIDATION and third factual. I never once I got a validation from not one of these companies. If they would of actually validated this debt, they would learn it is NOT MY DEBT. You cant report something that is not mine in the first place! Second I am per consumer rights have the right for fair, true and accurate reporting. Not only is this not my account but it is being reported with different amounts. I am attaching proof to this. 

Being I wrote to companies THREE times now and still have no proof of validation or even a investigation on their part other than the e-Oscar system I am requesting a IMMEDIATE DELETION. 

The law states a company must have a contract with my original signature on their letterhead with what I owe to be reported. I do NOT owe XXXX. PLUS ITS PAST XXXX XXXXXXXX.

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 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Debit card got charged on XX/XX/2022 for {$4900.00} plus {$140.00} related bank charges for international use, I filed complain to reverse the transaction and instigate it, the bank refused and asked to wait for 90 days, after reaching out to merchandiser they rejected to refund the amount, I already black listed this merchandiser from using the card illegally replaced both my credit card and debit cards to protect against bank security issue. I made many calls and finally filed a complain and again no feedback for weeks. The same problem happened before and reported here on XXXX XXXX and had to escalate to get my money back.My business account number XXXX Name of Account XXXX XXXX XXXX XXXX XXXX - XXXX XXXX My phone number XXXX, complain number 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 2022-12-04
Company: ERC
State: MS
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 I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I had an issue with fraud on both my online banking and also in branch withdrawal fraud. To begin someone was able to access my online banking and transfer funds from my savings to my checking account and then make two separate in branch cash withdrawals. On the morning of XX/XX/XXXX, I realized what had happened, so I immediately went and spoke to my local Wells Fargo branch. In doing so I took all precautions that I possibly could including filing fraud claims for the online transfers and also a separate one for the in-branch withdrawals. In addition, I also set up new checking and savings accounts to further prevent any additional fraud that may happen. One of the withdrawals what's for the amount of {$6000.00} and the second was for {$6500.00} for a total of {$12000.00} lost. Since the claims were filed, I have kept in almost constant communication with my local Wells Fargo branch and the online fraud help center. This communication has been reciprocated very poorly and I have learned a little on my situation.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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  Account, 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 aconsumer reporting agency can not furnish a account withoutmy written instructions XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00}

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 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX, I received a message from an in-law family member of mine that she had received a call on her house phone regarding my past due credit card information. The representatives name was XXXX XXXX from Bank of America. My in law has never dealt with or received any known information regarding my account information and I have never added their contact information to any of my accounts. I was also told that the bank was unsure how my spouses family members contact information was added to the account. It was told to me that I could not file a complaint, rather that they would make a note of this for the future. The mystery of how the in-laws number appeared on my credit card account is alarming and I believe to be negligence and a violation of privacy on the part of the 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 2022-07-03
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my father and I went into the bank at Citi bank to withdraw cash from his savings account. We noticed that the amount of money in his account did not match what it was supposed to be and after looking at my fathers banking and transaction history we saw multiple ATM deposits that were not from him. The money totaled more than {$24000.00}. We filed a fraud and identity theft complaint with them and received a new debit card for the account. On XX/XX/XXXX my father went back to the back wondering why his money wasn't returned to his account. They had not given us any previous updates even after we told them we wanted police involved because this was a large amount of money. The worker at the bank informed my dad that they did not find the case that we had to be a case of identity theft and fraud and told him that the multiple ATM withdraws were part of his normal banking pattern history. This statement is false because my father does not use ATMs and throughout his entire banking history it was shown that there had never been any ATM withdraws until the dates we told them that wasn't us. He filed for an appeal on XX/XX/XXXX and waited for results on that but were not updated. I opened up an online banking account on my phone so that I could help my father manage his money when I noticed that even after we had gotten a new card and filed a complaint these ATM withdraws were still happening and I immediately froze his account. The money totaled up to another {$15000.00}. We immediately went to the local police station to file and identity theft and fraud report. The next morning I called the number under Citi bank to again report the theft and fraud which we did and then I asked them for an update on the appeal. We were given the same answers which was that the ATM withdraws were a part of his normal banking history which I reiterated to them was not true and that our next steps are to file a lawsuit until we receive this money back. When money almost adding up to {$40000.00} is withdrawn from your account and its not you that is a huge concern to us as now the bank account is almost completely drained. We have opened up another appeal for the previous cases and are again waiting on an update which they have never been forthcoming in giving us.

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 2022-07-29
Company: EQUIFAX, INC.
State: MN
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 am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
In accordance with the fair credit reporting act, The account receiving this has violated 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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX XXXX XXXX, I initiated a standard transfer to my bank account from my Venmo account. When I initiated the transfer, I got a notification that the transfer was in a " review process '' that they do on all transfers. Roughly an hour later around XXXX XXXX  I got an email saying that my transfer has passed their review process, and that my transfer has been initiated. The expected transfer completion date shows as XX/XX/XXXX. 
The very next morning on XX/XX/XXXX I had gotten 2 emails from Venmo 1, stating that my account has been frozen and to upload a few documents to verify my identity which I've already done on the app once before when I opened the account. And roughly 45 minutes later I got another email saying that my account has been escalated to a specialist. the specialist informed that my account has been permanently closed. On XX/XX/XXXX the transfer wasn't in my bank account, and still to present day it hasn't been sent. I contacted Venmo support and they didn't tell me anything about what was happening with my money. I need my money asap or I'm going to be XXXX. I need this resolved immediately. 

I've searched online and this is a very common tactic done by Venmo, and I believe that their business practices are unprofessional, and borderline criminal for how much money they keep from accounts they close for no legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXXBalance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

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