BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have XXXX inquiries on my Trans Union that do not belong to me that I demand be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/23 I received a letter about a check that was deposited didn't go through. No warning just your normal check did not clear letter. Go to check my account XX/XX/XXXX  can't access my account. 
Was told due to this check being deposited my account is closed I can't open an another bank account for 5 years. How is this fair. Due to people like me who was getting supposedly paid but now I have no bank account. What happened to a phone call. Or better yet some kind of communication. Or has banks gotten so greedy they don't care about the little guys money anymore. This was with bank of America

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 2023-04-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to buy a car and I have requested to remove the freeze or Alert from my credit report. I have requested that my freeze be removed permanently for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX, SS XXXX PHONE XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Aldous & Associates, PLLC
State: IN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Sensible Auto Lending, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i had a XXXX XXXX in XXXX XXXX XXXX i was place in a XXXX i offer to pay something to keep the loan update to pay until i return back to work matter fact i paid the car note for 3 month until i got done with XXXX i ask them to sent me a 1099 E because the account is showing up on my comsumer report i just want this company to give a 1099 form because it shows ( profit and loss )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX XXXX XXXX in Utah sent me a invoice and note about a past due invoice saying that I had until XX/XX/XXXX to pay {$1000.00} amount in full or else they will send the debt to collections. A few weeks ago I received a letter from MLC collections dated XX/XX/XXXX thar they were attempting to collect the debt from XXXX XXXX. Same debt that I was just told that I had until XX/XX/XXXX to pay. They also added on {$300.00} worth of interest and fees. I called XXXX XXXX and was told that if I paid them by XX/XX/XXXX that they would take off the fees. I called XXXX XXXX today, XX/XX/XXXX, to pay the amount in full and I was told that they wouldn't take my payment because MLC already had the account. I spoke to a XXXX XXXX and told her about the letter I had that said I had until XX/XX/XXXX to pay and at first she told me that she knew nothing about a letter as I insisted I had it in writing she then started in on other excuses, honestly confusing herself from time to time. She wouldn't let me pay her or talk to anyone else, telling me she was the highest I could go. I then called MLC and they were concerned about the letter and told me to email their attorney but it could take 30 days for them to resolve it and they would be charging me interest daily while I wait. I asked if I could just pay the balance without the fees and she said no, it wouldn't be paid in full until I paid my balance and the fees. I spoke with XXXX. I asked her to put in the system that I did not want to be contacted by phone and about XXXX hours later I had someone else from MLC call me trying to collect the debt, after I asked them not to call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America has taken two certified government checks of mine. The first one was on XX/XX/2023, I went to the bank to deposit a business check into my business account but was told i couldn't and that I needed to open a personal account, I thought it was strange but did it because I was talking to the XXXX. The day the funds were to be available, was the day they closed the account. I assumed they closed it due to a business check being deposited into a personal account but they said something about fraud and that they would send the check back to the IRS but they did not, {$13000.00} just gone and never seen again! 

Present day, XX/XX/2023 I went to deposit another check for {$21.00}, XXXX into my business account, the funds were suppose to be available on XX/XX/2023. On that day I woke up to not having a bank account again but this time it's my business account. Once again, I did not receive any notice or warning concerning my account closing. I literally have nothing now that they took all of my money. They claim fraud or an invalid deposit but they never gave me a valid reason, just that were they're going to send it back to " the maker '' but they never sent the other check from XXXX back, so I knew that was a lie! 

After speaking with several different representatives from Client Protect, I've never felt so unprotected and confused in my life. I received so many conflicting answers to my one and only question " WHY DID YOU CLOSE MY ACCOUNT? ". I was told I needed to contact then IRS because the check is fraudulent, so I did 3 times and each time I was told that every check sent to me was good and my business is good, NO fraud, NO investigation, NO red flags NOTHING which is the complete opposite to what Bank of America keeps telling me. I have not done anything wrong and Bank of America stole my money and refuses to return it to the rightful owner which is me! 

I have XXXX children to take care plus XXXX business to run to make living, My rent was not paid for this month due to them closing my account and not willing to return my money.

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 2023-09-29
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My monthly payments are due on the XXXX. I am being harassed every month by Tower Loans because XXXX XXXX, an office assistant, calls to ask for money BEFORE or ON the day it is due. She does not even give me the time to make the payment when it is due. It has never been late and is usually early. 

I understand XXXX is unhappy that I declined to accept an additional loan offer a few months ago because I refused to fake collateral. I am not going to lie about collateral just so they can create loans. 

On XX/XX/XXXX XXXX called for payment and I told her she needed do her job and look for it because I already made the payment and asked her to stop harassing me. She said she was " following up '' on my payment. How do you follow up on a payment BEFORE the due date? I asked for her manager and found that this business has no manager or finance person. She has no boss. When I stated she is just making up rules each day and doing whatever she wants she remained quiet. I would appreciate someone making her stop harassing customers BEFORE the due date and if need be, CLOSE DOWN THIS LOCATION in XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent certified letters on XX/XX/2023, and XX/XX/2023, to XXXX, Transunion and XXXX. However, the credit bureau said they completed the investigation, and everything was 100 % accurate.

According to the law 15 U.S. code 1681a - Definition ; rules of construction The term ''investigative consumer report '' means consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbor, friends or associates on the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. 

I would like to know who they talk to. 

How did they complete this investigation?

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 2023-03-09
Company: Bridgecrest Acceptance Corporation
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received an alert on my credit report statement saying I am 30 days delinquent on my account in the amount of {$590.00} from Bridgecrest car loan company so I called them about it. When I called I asked why this was being reported I was told that I had a amount pass due of {$65.00} that is why it was reported. Even though my payment are not due until the XXXX of each month and was reported on the XXXX of XXXX but did not receive alert until today about the late payment being reported. I have never be 30 days late if my payments at all and in the app it does not say I own or anything is going to be reported if I dont pay no warning was giving in anyway. I also ask why would they report it to be {$590.00} and have my credit drop over 60 points for {$65.00} and I also ask to speak with a supervisor and was told they dont have one but can put this in as escalated and transfer me to someone else and when they did XXXX said that the call was being recorded and I said they I am recording on my behalf as well and she refused and said I dont agree to being recorded and would not help me if I was recording and I can just hang up the phone so I said that I will be sue if you all do to a lie on my credit report. The {$65.00} could have been paid with the other payment that was paid on the XXXX of XXXX if it was such a big deal be I did not receive a call or notice or anything saying that I still own for the month of XXXX I that I was paid up until my next payment on the XXXX of XXXX. I would like for this to be removed off of my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I call XXXX I even set up online account trying to dispute, this fraudulent inquiries that I didn't do continue XXXX & XXXX of same name company I call I was told get credit bureaus correct all 3 credit bureaus XXXX Exfax XXXX. I'm tried of trying correct my credit by my self it got be removed I don't go out here trying get credit back to back with same company inquiries of my credit how can I get new social security number. I can't do this for ever this is stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, I sent an international wire transfer to my sister in XXXX, XXXX. The amount was {$1700.00} debited from a savings account that I have with Citi Bank. The delivery was promised on or before XX/XX/2023. 
I want to note that this is the type of transaction that I have conducted via this institution for at least years, so I was surprised that the funds never arrived. 
I contacted the company by phone to notify it of the situation. I finally received a letter informing me that research was underway. I waited about 30 days, no answer. I called the company again and requested that since the recipient never received the funds, the amount should be refunded/credited to my account. 
I reminded Citi Bank that I hired it to perform a specific task and it failed me. If it sent the funds as it claims but they were never received by the beneficiary, they must recover the payment from the entity they use for their transaction, said entity/department has no relationship with me whatsoever. 
Instead of refunding/crediting my account, I received a letter stating that they made the payment without proof. My sister never received the {$1700.00}, my account has not been credited. 
I did not expect Citi Bank to fail me this way and now claims that I must pay for its mistakes, it failure to conduct the transaction as promised.

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 2023-12-09
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Out of the blue, debt collector TrueAccord sent THREE emails to me collecting THREE separate debts from the SAME utility company, XXXX XXXX, with whom I have not had an account for over seven years. TrueAccord also alleges that one of the debts was from XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX where I have never even lived. One amount is account number XXXX for {$210.00}, another is acct # XXXX for {$160.00} and the last is account number XXXX for {$430.00}. I have no idea where they got my name or email address from but I have asked for proof of the debt and have heard nothing back. I am fearful that TrueAccord will or already has marked my credit for a debt I do not owe and will continue to bombard my email address with unwarranted debt collection notices, or even escalate their attempts, as it is not possible to dispute the debt using the link they provide in their email, without providing one 's phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
This is what I sent to board and staff of BB & T now Truist Bank I am reaching out in an effort to correct a wrong that was done that has negatively impacted in numerous ways that I will elaborate on later. I was a BB & T ( Truist ) customer due to condo mortgage being transferred to them. 

I was given the option of a payment plan, which would require me to pay {$5700.00} to bring my payments to the appropriate status, and then I was have the remaining amount added to my mortgage payment divided over 6 months. I choose the repayment option and paid the {$5700.00} payment at that time over the phone. 

I want to stress that I take my credit very seriously, worked very very hard over the years to ensure I kept my credit high and never late or delinquent on any of my accounts. I check my credit on all three credit bureaus daily to ensure payments are being received and things are being reported accurately. Within 48 hours of making that payment ( {$5700.00} ) and choosing the repayment option, I started getting notified that my credit has significantly dropped. I log into my credit monitoring apps and discover that my credit had dropped XXXX points. I called back to customer service and informed that the last representative I spoke with reported that my account was 180 days delinquent on accident and it was a mistake. 
To say this was very disappointing and frustrating was an understatement. The representative states she was sorry and would send documents to the credit bureaus to get the status changed and my credit would go back up. Well things continued to spiral out of control because of this. I checked my credit again for two days and finally saw my credit score go back up XXXX points. That damage had been done though. One of my credit card accounts check my credit monthly to ensure I am maintaining my credit worthiness. By sending the wrong status that showed I was delinquent to the credit bureaus the credit account pulled my credit when it had dropped XXXX points. This resulted in them reducing my line of credit and that reduction caused my credit utilization to got up by 23 %. So right after my score went back up by XXXX points, it went right back down by XXXX points because my credit line decreased. Most importantly, because of this mistake that was 100 % on your employee my available credit was reduced on one of my personal credit cards that I need to have access to at this time for my family. I have continued to get notification that my credit score had dropped due to the huge error made by your employee. I have also not been able use my XXXX business cards because of a reduced credit limit. The impact this has had on me and my family is unmeasurable. 

Regards, 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 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
XXXX Credit card was removed per cfpb and then it was reinserted on XXXX. I also have an inquiry from XXXX that I have no knowlwege of or have given permission. By law it has to be removed.

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 2023-10-30
Company: EQUIFAX, INC.
State: IL
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 have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief