BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I went to Bank of America to make a deposit into my savings I put in my ATM card press my pin the ATM slot open and I inserted XXXX inXXXX dollars bills the ATM accepted some of my cash and push out some bills it did n't accept I inserted some different bills to add into ATM.the atm began to malfunction the ATM push my card out with no receipt of proof of deposit and went blank.i called the number on the ATM and a claim rep ask me what happened and for the number I 'd of the ATM while I was on the phone with the claim rep I told her I was gon na check my account on the second ATM to see if my transactions was success upon checking the transaction did not go threw.while I was on the phone with the rep I wanted to deposit money into my checking account so I told rep I was gon na deposit {$600.00} into my checking and ask her to monitor transactions from her side in case I have trouble with the second ATM the deposit went threw successful i wanted to leave evidence in the bank and completing my transaction in the bank while claim rep on the phone.when claim rep told me they will have some one there between 24 to 48 hours to check ATM and I was gon na get a temporary credit into my savings account.i left the bank that night and return the next day and spoke with the bank manager she told me give it some time and to follow up with her if i did n't hear anything by Wednesday I waited to Saturday XX/XX/XXXX I spoke with the same manager XXXX and I told her is been a week and I have n't heard anything she said that good news I told her I was n't satisfied with a temporary credit I wanted my deposit found and a final resolution then on XX/XX/2017 Bank of America denied my claim.there reason was no ATM deposit overage was reported I requested for a more thorough investigation to check both ATM and video footage and check ATM history of my deposit into my savings account there should have been some evidence from machine or video the bank escalated my claim and this time within 3 days they comeback with same decision when I ask for a more thorough investigation it took a shorter time than the initial investigation please look into this matter for me and let me know what i can do next

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 2022-05-06
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : 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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}

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 2016-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have a XXXX Mortgage with XXXX XXXX XXXX and a XXXX Mortgage with Bank of America. I refinanced the XXXX Mortgage with XXXX XXXX XXXX with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with Bank of America through the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). As I was starting to realize that I was in need of the XXXX Mortgage with Bank of America Modified also, I received a XXXX loan through my XXXX Mortgage with XXXX XXXX XXXX which changed the account number. I did not request this new loan. XXXX just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with Bank of America Modified due to the now new mortgage was no longer the HAMP mortgage. I feel that XXXX hurt my situation of have the much needed XXXX mortgage modified. I have worked with XXXX and Bank of American since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by XXXX and they are working hand and hand with Bank of American to block me from having my XXXX mortgage with Bank of America from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). I have been trying to resolve this refinance issue of the XXXX mortgage since 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 2017-09-25
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I run a grocery store in XXXX XXXX XXXX, PA. Recently I had taken Western Union agency to provide money transfer services. 

On XXXX/XXXX/XXXX, Western Union withdrew {$1500.00} from my bank account though we did n't do any money transfer transactions. 

When I contacted WU, they found out that fraud has occurred and the money was taken. Since we did n't do any transaction, it appears that someone hacked into their system, made transactions on our name, for which we are not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX  Received goods back in XXXX. 
Was immediately unhappy. Returned goods how ever was told it was decided I did not? I continued to pay as I m always trying to improve. Then I find two amounts identical on my report. One XXXX XXXX who also sur me in court as well collection actions unlawful in ca. I submit activity to all bureaus and get one of two removed on Experian 6 years later but XXXX get serviced to court to find it was just fake. Sent a person w fake badge to my home to harass me Both XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX customer number XXXX should be XXXX as per the return policy and just posting two amounts for six years It was returned immediately dissatisfied no bureau will remove it its like they only listen to them I ended up submitting a dateline credit claim and it very well processed by Mrs XXXX Why did they not honor safeline I spent months on these issues to be harrassed

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 2022-05-06
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-09-15
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:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2022-09-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried several time to inform the credit companies ( XXXX, Equifax, & XXXX ) about unauthorized hard inquiries ( 1 ) XXXX XXXXXXXX  ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( 3 ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( 6 ) XXXXXXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX ( 9 ). XXXX XXXX XXXX ( 10 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried several time to inform the credit companies ( XXXX, XXXX, & TransUnion ) about unauthorized hard inquiries ( 1 ) XXXX XXXX  ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( XXXX ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( 5 ) XXXX XXXX XXXX XXXX XXXX ( 6 ) XXXXXXXX XXXX XXXX ( 7  ) XXXX ( 8 ) XXXX  XXXX XXXX ( 9 ). XXXX XXXX XXXX ( 10 ) 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 2022-05-06
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 the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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 the Fair Credit Reporting act XXXX XXXX Account # 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 an 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 2022-05-06
Company: Experian Information Solutions 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:
I have never received a fair investigation for this fraudulent account reporting on my consumer credit report. XXXX XXXX XXXX is known for fraudulent activity and Experian is an accomplice. All information about the account is false, never been proven and must be deleted from my credit report. Please see attached police report, FTC report and other previous disputes.

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 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America and their cohorts will wrongfully auction off my home and property via Trustee 's Sale at public auction on XX/XX/XXXX at XXXX - and knowingly so. 
As no determination by an Appeals Specialist of the Bank of America Appeals Department has generated a written decision upon completion of an appeal review and the issueance of the Appeal Report of XX/XX/XXXX granting Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Trial Payment Plan ( TPP ) to date and since recoding a Notice of Default ( NOD ) of XX/XX/XXXX publically beginning the foreclosure process, Bank of America has been engaging in dual tracking and stonewalling practices for years including, but not limited to, park and stall tactics designed to hold their customers indefinitely in limbo until separation from the mortgaged property occurs. 
To date, I have not been informed of any cancellation of Trustee 's Sale, NOD or the Notice of Trustee Sale ( NTS ) of XX/XX/XXXX by way of the recording of a Rescission withdrawing both the NOD and NTS. 
78 ) Vexatious Solicitation. 
79 ) Negligent Solicitation. 
80 ) Fraudulent Solicitation. 
81 ) Loss of consortium of real property. 
82 ) Loss of consortium of a private home. 
83 ) Civil Rights Violations ( right to exist freely and naturally without fear of retalliation ). 
All previously mentioned resolutions are desired and mandatory.

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 2020-04-10
Company: CITIBANK, N.A.
State: FL
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 contacted XXXX  about CITI on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. XXXX XXXX never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.

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 2015-09-23
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The adverse account on my credit report is from AFNI and it is for the original creditor XXXX. I never received any contact information from XXXX or AFNI regarding this delinquent account. They are now claiming I owe {$230.00} which I was uninformed about from 2013. I contacted AFNI to ask them about it and they claim they sent out some letters in the mail. I asked if they were certified because I never received any such letter from them and do not believe they sent them because I never received a single one from them or XXXX. They said they do n't send certified mail because it cost too much. I informed them all I wanted was the account deleted and if it was correct I would not mind paying it off as long as it was deleted, but I felt it was unfair to report that to the credit agency because I was unaware of it and never received any information about it up until this point in time. I have an excellent credit history and they now refuse to delete it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2022-05-06
Company: Experian Information Solutions 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:
In accordance with Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
N accordance with fair credit reporting act XXXX  account # XXXXXXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXXXXXX XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A, Section 2 : Its 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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$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