BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On Mon. XXXX XXXX XXXX XXXX XXXX withdrew {$1400.00} cash in XXXX XXXX dollar bills from my checking acct. From XXXX the bank teller. In order to pay my rent of {$1400.00} a month. A week later on Mon. XXXX XXXX after making the deposit of only {$1300.00}. Since XXXX of the XXXX dollar bills were counterfeit. It is poss. Bank of America overlooked or missed it, possibly given me the counterfeit XXXX XXXX dollar bill. My landlord says the {$1400.00} I gave her ( XXXX ) was put in an envelope. And deposited with no other bills other than the {$1400.00} large bills. Again making only a deposit of {$1300.00} minus the counterfeit XXXX XXXX dollar bill from B of A. I spoke the Bank Branch Manager XXXX who was overworked due to being understaffed. And was of no help or organization toward policy & procedure witch was none to this concern filed. Although XXXX did not deny the possibility of this counterfeit from her branch. But the personal banker XXXX did deny it, mentioning it 's not possible. I would like to know what is possible if there is a future for this matter maybe I 'm not the only one who has experienced this from a reputable bank or this branch itself. I 'm curious to find out where justice is served in receiving my hard earned money back. Surely you would think the counterfeit bill could be traced or leave a paper trail right, just not being washed along the way & no one taking responsibility of it legitimately. Thank you for ur time & have a powerful day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I contacted XXXX  about Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. Wells Fargo 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 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: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LCI which is a third party company is report Bankruptcy on my transunion report and they have violated my FCRA ACT, Privacy ACt and Gramma Leach Bliley ACt.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act. 


The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

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 2016-05-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
American Express XXXX failed to issue a credit from the XXXX XXXX, CA for {$34.00}. American Express opened a Dispute and promised a resolution within 72 hours. It has been over one week and the credit has not been posted to my account even though I downloaded the XXXX statement with the credit adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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: Credit inquiries on your report that you don't recognize

Complaint:
pulled credit which is a very thin file and i came across 9 inquires on my credit report that i did not authorize and did not sign a contract or agreed to pulling my credit i have contacted experian on several occasions and stated by a worker name XXXX that they do not dispute inquires and i have gotten any where with 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 2017-05-22
Company: EQUIFAX, INC.
State: CA
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:
To whom this  may  concern, I write this complaint to seek clarification regarding information reported to my Equifax credit report. Quite illogically, my Equifax credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report.     Specifically, as can be seen in the attached document, accounts with the   XXXX   XXXX   XXXX  / XXXX  and   XXXX   XXXX   XXXX   XXXX   are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please see attached files for inaccurate amount reporting, reporting fraudulently, and without I, the consumer 's consent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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 the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 2021-01-19
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have been trying to solve this problem since it occurred on XX/XX/2020. I was attempting to loan my son money because his car was repossed and he and his girlfriend needed transportation to get back and forth to work. I was attempting to cash app his girlfriend XXXX dollars not knowing that she had two cash app accounts. One an old one which she had no access to because her phone number had changed and her email address which she did not remember. I have explained that over and over again since this happened to cash app, which you can never talk to them and it is done only by email which in itself is frustrating. The person I sent the money to whose name is XXXX XXXX has also contacted them to tell them she doesn't have access to the account but they keep giving her ways to access it which have not worked. I just ask them to send the money back to where it came from and they keep telling me she has to and she can't because she can not access her old account. No matter what I tell them they will not release my money. The money was to be refunded to me by my son and girlfriend but they never received it. Now my bank account is overdrawn because I am no longer employed. I am XXXX years old and unmarried and unable to let XXXX dollars go up in thin air. I want my money and as far as I know this company has it stored somewhere. If it is still in this old account I would think after 30 days if no one claimed it it would go back to sender especially if there are complaints about neither party getting the money and then just close the account. Or let the person who should have received the money know there is a problem with the transaction and if they receive no reply close the account and refund the money. There has got to be a better way than the way this is being done. I am not going to lose XXXX dollars and not know where my money went. The person I sent the money to is XXXX XXXX, she lives XXXX XXXX XXXX XXXX XXXX, Ohio and her number is XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio phone number XXXX. Thank you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft. I have never given NATIONAL CREDIT SYSTEMS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any type of documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Merchants Acceptance Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company constantly calls me even after payment is made. I have advised that I have made payment with my debit card and they dont stop calling even after XXXX. They call and ask for my social and date of birth when I dont have to release that information. Ive asked for copies of my agreement requested autopay which they say will start in XX/XX/2022 but never did. I make payments on their portal or with a rep. The agent advised me tonight that theyre going to keep calling and it doesnt matter if they got my payment or not. Im being harrassed by merchants acceptance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. XXXX XXXX XXXX, XXXX and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account XXXX had purchased that was originally a credit card from HSBC XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` gangster-like '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.

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 XXXXXXXX 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 2020-04-10
Company: Experian Information Solutions 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, and I also didn't authorize these credit inquiries. My name is also incorrect and is not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I just tried to send & XXXX Us dollars to my Mother in XXXX via Western Union only to be met with a whopping transfer fee of {$69.00}. As recently as XXXX 2017, this transfer fee was {$37.00}, to send the same amount to XXXX and for several months before that {$32.00}. I use the service for convenience sake only, because when you go to a Western location here in New Jersey the transfer fee is {$12.00}. 

I am home sick today with XXXX XXXX, and persistently XXXX XXXX, so I thought I would use this service again for the convenience, but I can not in good conscience pay this new transfer fee. This is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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 the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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 2020-04-10
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: Investigation took more than 30 days

Complaint:
I contacted Equifax about XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Crow Creek Sioux Tribe
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The amount that it says I borrowed, XXXX, was not the amount deposited to me. And I was not aware of the finance charge of {$5000.00}. Was not present when borrowing the money. Appeared after.

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: NY
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:
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 following accounts listed below are stillreporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-04-04
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage being serviced by Ocwen and they have failed to reduce my principle or offer me any relief as ordered in the CFPB agreement dated XX/XX/XXXX. I have received legal foreclosure papers to appear on XX/XX/XXXX at XXXX district court XXXX XXXX XXXX XXXX. XXXX Michigan XXXX XXXX number XXXX. I feel Ocwen is not abiding by the order.

Company response to consumer: Closed with explanation