BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: COLUMBIA BANKING SYSTEM, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I got an email from my bank a statement that I asked after my husband died on XX/XX/XXXX on XXXX and we found 51 transaction ACH on 7 months for a total {>= $1,000,000}. 
After that we called to the Bank to ask what happened with the money they said sign that you didn't recognized all those tracaction and I did and resend 2 pages signed by myself, the bank said take 45 to 90 days to find what happened. My husband and me the last time that went to U.S.A was on XXXX of XXXX and left on XX/XX/XXXX to XXXX. 
On XXXX XX/XX/XXXX we got an email that there isn't an error and the investigation is completed and no error not occurred. now they received the compliant on XX/XX/XXXX and concluding an investigation on 11 days? On that time the account wile they are investigating was blocked, on XXXX XX/XX/XXXX we got an email to call to the bank and unlock the account and we did the balance was {$13000.00}, the strange or a mistake that the bank did was that they accepted 10 transaction of a small amount less than XXXX dollar each one and those trastastion were almost a similar or the same numbers to the high amount, but the bank didn't gave back the small amount, I worked an entire life to have that money and never my husband used a computer to do that, he just write a normal check and cash here in XXXX. We found that those translation you must be on U.S.A to do that. I will attach all the statements, the decision of the bank that was so poor giving just a date the amount and a combination of number and letters but not a receiver. WHO WAS A RECEIVER I ASKED TO THE MANAGER HE SAID I DON'T KNOW. 
I trust that the bureau will be so honest with me. 
Notice that on some transition of {$3000.00} were received by a company called XXXX company????

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXXXXXX ( 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.

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 2022-11-29
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called m & t bank 2 days before the fraud took place which means by federal law us code 1693g i am liable for only up to XXXX $ they denied my claim and gave me NO reason. They said there wasn't much details. they didn't provide the info they had to by federal law again us code 1693g a Photo ID, fingerprint, or signature proving it was me who made the transaction someone stole XXXX $ using my card at an atm And no I did not have my card when this took place and notified them 1 day after the fraud took place. I need my money back this is corrupt.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: GA
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 fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Portfolio Recoveries listed a collection account on my credit report. I contacted them and we settled the account and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The account is paid in full, but 2 days after it was paid the account updated with a balance. It was not deleted, and the balance due was updated to {$200.00}. 
They need to stand by their word and delete the account not update the account/ balance. 

I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I received a notice from Southwest credit LLC. 

Stating XXXX has placed your account with a balance of {$1000.00} Our client has advised us that they are willing to resolve your account in full for 40 %. Please contact us to see what other terms can be worked out to resolve your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
A loan ( line of credit ) was established with BANK OF AMERICA in XXXX XXXX shortly before the housing crisis in XXXX. Many went under through no fault of there on and others managed to struggle on. I am one of the strugglers who never really recovered but, refused to quit. Some how through the years all of the vendors, creditors, and people owed we were able to pay, except BANK OF AMERICA. Minimal payments were made and multiple request for a payment plan or interest reduction or something that would remedy the situation. Even though they were bailed out they would do nothing to remedy a situation that they helped to create. Now, almost 12 years later XXXX in interest on a balance that remained the same I/WE ask for your help. ACCOUNT XXXX XXXX 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 2022-09-20
Company: EQUIFAX, 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:
These account are inaccurate and in violation of my consumer rights under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, Dept of Ed/ 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, Dept of Ed/ 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

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section 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 explanation
Consumer complaint received 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
This complaint is NOT ABOUT A CREDITOR/VENDOR... IT IS ABOUT THE CFPB. 

As you are aware... I have submitted several complaints about improper/illegal use/entries and negative information being applied to my credit reports by certain " creditors '' ... 

The results of these complaints have been ... instead of you, the CFPB INVESTIGATING MY COMPLAINT... YOU SIMPLY HANDED OVER MY UPDATED PERSONAL INFORMATION, CONTACT PHONE NUMBER TO THE VERY COMPANIES WHO HAVE VIOLATED MY RIGHTS ... THEREBY ALLOWING THEM TO VIOLATE MY RIGHTS AGAIN BY CALLING ME AT MY HOME AT XXXX PM TO TRY COLLECT ON SO CALLED DEBTS FROM NEARLY SEVEN YEARS AGO. 

When I discovered the above, I called your organization to inquire about this and I was appalled ... when I asked the representative on the phone ... '' why didn't you investigate my claims? ... she stated ... '' WE ONLY ENFORCE THESE CREDIT LAWS IN SITUATIONS WHERE MANY COMPLAINTS ABOUT THE SAME VIOLATOR HAVE BEEN RECEIVED '' ... THEN, I ASKED THE REPRESENTATIVE... WHY DO YOU ALLOW THESE CREDITORS/VENDORS TO POLICE THEMSELVES? ... her response was... ( SILENCE ON THE LINE ) ... NO RESPONSE TO MY QUESTION. 

SO now I ask you, the CFPB, " WHY DID YOU VIOLATE MY PRIVACY BY ALLOWING THESE CREDITORS TO POLICE THEMSELVES? '' I WANT AN INVESTIGATION COMPLETED BY YOU, THE CFPB INTO MY FORMER COMPLAINTS AND A RESPONSE BY YOU, THE CFPB TO MY COMPLAINTS. 

I BELIEVE THAT YOU, THE CFPB HAVE VIOLATED MY RIGHTS UNDER THE FAIR CREDIT LAWS AND HAVE CERTAINLY VIOLATED MY TRUST IN YOUR ORGANIZATION... WHO IS SUPPOSED TO PROTECT MY RIGHTS. 

I await YOUR INVESTIGATION INTO MY FORMER COMPLAINTS ( WHICH YOU SIMPLY ALLOWED MY CREDITORS TO INVESTIGATE/POLICE THEMSELVES ) AND WRITTEN RESULTS OF SAME.

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 2022-09-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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 XXXX XXXX am filing a complaint on XX/XX/XXXX for disclosing my information to multiple third parties such as Chex systems and XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 XXXXXXXX XXXX  and XXXXXXXX XXXX and chexsystems is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.not able to open up a account to cosign for my XXXX son. 

Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from earning warning services, Chex system, XXXX. My social is XXXX date of birth XX/XX/XXXX Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX CLOSURE DATE XX/XX/XXXX XXXXXXXX XXXX XXXX CLOSURE DATE XX/XX/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 2022-09-20
Company: Early Warning Services, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX I submitted letters to Early Warning because they have me listed for checking account fraud I requested XXXX  it has been well over 60 days with no response I feel like I'm being taken advantage of this is a violation of the FCRA act by failing to provide accurate disclosures to a consumer when they have an active fraud alerts on their accounts I am repeatedly denied bank accounts because I have fraud notations on my Early Warning report I ordered XXXX and there is no mention of fraud Early Warning is failing to provide me the same information that they are providing the banks they're hiding the fraud designation in the XXXX I've spoken with someone at XXXX XXXX XXXX and they informed me that no money was taken I'm being misled by these disclosers and I demand that these checking account fraud notation be removed or I will le litigation due to the stress they caused me my information was also impacted by XXXX data breach and may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021, I purchased living room furniture from XXXX XXXX XXXX, I received two emails one dated XX/XX/2021 one stating thank you for your purchase the second email dated XX/XX/2021 stating we have processed your order, I was never contacted with a tracking number or estimated delivery date as website stated, by XX/XX/2021 after several emails, and phone calls, finally someone answered a resident whom claimed that the number I called belong to her residence she don't know why or how this company got her phone number, people keep calling her number, that's when I realized this was fraud, so I contacted Bank of America , on XX/XX/2021, spoke with XXXX who file initial claim over phone, ( claim number given XXXX ), Bank of America has fraud protection on my account so when my money wasn't credited back I call Bank of America again on XXXX XXXX, 2021 spoke with XXXX was told they contacted merchant and money will be credited back on XX/XX/2021 at XXXX. on XX/XX/2021 money was not credited back to my account called Bank of America again spoke with XXXX who said the same thing still nothing called back again and got XXXX, who tells me oh its going to take 45 days we are waiting to get the money back from the Merchant than we will issue you your money back, I begin to ask how is that if I am telling you the company does not exist, So I make appointment at the branch I opened my account at hoping to get somewhere, Mrs./Ms. XXXX XXXX assisted me on XX/XX/2021 called the fraud department spoke with XXXX from Arkansas, who assured me my money would be credited back to my account XX/XX/XXXX, or XXXX they had file the wrong claim thus the reason for the two different claim numbers : XXXX, Mrs./Ms. XXXX assured me that this will handled due to she was putting it in as escalated, Well I sit here today still without my {$1800.00}, and was told today by XXXX from XXXX she saw they expedited it but they have to get the money back from the Merchant 's bank and it shouldn't take 45 days, but if it did it will be issued by XX/XX/2021 this is well over 45 days, my initial file date was XX/XX/2021 therefore 45 days would be XX/XX/2021 and I am only counting business days. this is not fair any other time there's fraud or I purchase something and never received the merchandise I always receive a temporary credit until the claim is resolved. Bank of America advertise that your not responsible for fraud to your account they will cover it, well why is it not applying to my account.

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 2022-06-27
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought 3 XXXX XXXX XXXX at the local grocery store. 1 of the cards worked fine, the other two had " no balance '' ( 1 was for {$50.00} and the other for {$100.00} ). I called the customer service number on the back of the cards : XXXX on XXXX XX/XX/XXXX and was told that the 2 cards with no balance not " properly loaded '' by the grocery store personnel and the ONLY way to resolve the problem was to FAX to : XXXX the following documents : Copies of the Gift Cards ( front and back ) ; copy of my DL ( front and back ) and copy of the original receipt. I did that at XXXX XXXX  XXXX  on XXXX XX/XX/XXXX. I called the same number above on XXXX XX/XX/XXXX and spoke to XXXX at XXXX XXXX XXXX and was told that my documents were received and that their " off-line '' team had the request and was " coordinating with the merchant '' and that I should receive info on replacement cards or activation within 2 weeks. I called back in XXXX ( did not record date/time ) and was told the same thing... I asked to speak to a supervisor and was told there was not one on duty. I called back on XXXX XX/XX/XXXX ( on every occasion, the people I spoke to had XXXX or middle eastern accents ) and was told that I needed to file " a dispute '' and to wait on the line and my info would be taken. I waited over 30 minutes ... someone picked up the phone after 30 min ( I could hear voices ) and as said as I said " hello '', disconnected me. I tried to find " XXXX XXXX XXXX fraud '' help on-line and came across this number : XXXX ... it was a recorded message about emergency phone numbers, unrelated to anything XXXX. I then researched your organization and spoke with XXXX on XXXX XX/XX/XXXX who encouraged me to submit a complaint thru you and FTC. I still have the original gift cards and original receipt is needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: GA
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 fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX has violated my rights. 



15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section 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