BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: OH
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:
HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}

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 2020-02-14
Company: EQUIFAX, INC.
State: OH
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:
HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, a transaction of XXXX was taken out of my bank account and also it made a charge back fee of {$12.00}. I wanted to know why I was not informed about this reverse on a check that I deposited. Was it a bounced check on XX/XX/XXXX? It was reimbursement check. This had nothing to do with selling not sold to merchant. It stated 'return item charge back ' in the line on XX/XX/XXXX in XX/XX/XXXX bank statement.

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 2021-04-15
Company: Michigan Mutual, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please find below a true and copy of a complaint I sent today to the Attorney General 's Office State of Illinois. Please find attached copies of statements dated 3/4/21 from Michigan Mutual verifying escrow balances and copies of refunds dated XX/XX/21 from Michigan Mutual with a total of {$1100.00} missing. 

On or about XX/XX/21 I refinanced and paid off loan # 's XXXX and XXXX with Michigan Mutual Inc. The balances in the impound accounts was {$1300.00} and {$1400.00} respectively. On XX/XX/21 I received escrow payment checks of {$760.00} and {$950.00} respectively. On XX/XX/21 at XXXX P.M. XXXX XXXX XXXX Extreme Loans current lender ) and I called Michigan Mutual on a conference call and we spoke to XXXX XXXX no title or contact information given ) who could not explain the discrepancy ; at XXXX XXXX XXXX no title, initials XXXX ) told us that the missing money had been used to pay my property taxes ( she did not provide any transaction or check numbers for verification ) the call ended at XXXX XXXX At XXXX XXXX  I called and spoke with XXXX at the XXXX XXXX XXXX Tax Assessors office who informed me that my property taxes were paid on the aforementioned properties on XX/XX/21 by the title company. No other payments have been received. Previous complaint : Ref # : XXXX File No : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made money transfer from my Bank Of America account using XXXX to a person using their phone number who claimed to be a travel agent. I made 3 transfers, 2 on XX/XX/XXXX for amounts of {$1100.00} and {$600.00}, and third on XX/XX/XXXX for {$500.00}, totaling {$2200.00} for 2 flight tickets. After the money was transferred, the person was unreachable on phone but was active on text messages and that my flight booking was in progress. He also sent me couple of temporary booking on airlines for the flights requested, and one including his credit card payment of a small nominal fee to HOLD the reservation for 3 days before confirming. Since then, there have been only email exchanges and reservation was never made. After I made my own reservation, email thread started in regards of returning my money but that has not happened till date either. I filed a complaint with my bank and they went to the extent to tell me the recipient has a " US Bank '' account where the money was transferred but can not file a fraud or refund the money since it was initiated via XXXX by me. 

I ended up paying {$600.00} more for the same tickets ( since the price went up in the time being ) and never got my original  {$2200.00} back.

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 2018-05-10
Company: EQUIFAX, INC.
State: FL
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:
I'm looking to have XXXX XXXX CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 

BK OF AMER XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-02-14
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:
THE ACCOUNTS THAT ARE BEING DISPUTED WERE NOT AUTHORIZED BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS LISTED. IT HAS BEEN BROUGHT TO MY KNOWLEDGE THAT THOSE ACCOUNTS HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FOR QUITE SOME TIMES AND I HAD NO IDEA HOW THIS HAPPEN. PLEASE IF THERES AN INVESTIGATION THAT CAN BE DONE TO HAVE THOSE REMOVE OFF MY CREDIT, PLEASE HAVE IT DONE TO CLEAR MY REPORT OF INACCURATE ACCOUNTS.

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 2018-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been submitting complaints since XX/XX/XXXX. Wells fargo is well aware that the vehicle I have is part of a massive XXXX Airbag recall. My vehicle has a double recall and has had that since XX/XX/XXXX. The last response from wells fargo said to file for a hardship refi and that the parts were available. We contacted the same person at the local XXXX dealer, XXXX, as was told the parts are not available and they did not know when they would be available. Furthermore, they are not completely replacing the airbags, they are only changing the inflator. The vehicle is on non-op and is a threat to safety and is deadly. All of this information has already been sent. Wells Fargo says that we have a loan with the which in fact we do not. We have a retail sales installment contract with the dealer. When wells fargo purchased this contract they changed the original terms which we did not agree to. A letter was received from wells fargo to the fact that they denied the original contract and changed the terms. Wells fargo has refused to help in any way since my initial complaint in XX/XX/XXXX. I just called the office of the president and was told they couldn't help and was transferred to someone named XXXX, and of course got a voicemail. I will not apply for a hardship because this is not the case. THE CAR IS DEFECTIVE AND DEADLY, IT IS ON NON OP, THERE IS NO FIX FOR THE AIRBAGS, WE DO NOT HAVE A CONTRACT OR LOAN WITH WELLS FARGO, I WILL NOT PAY FOR THIS CAR BECAUSE IT IS DEFECTIVE. WELLS FARGO CUSTOMER SERVICE, OFFICE OF THE PRESIDENT AND COLLECTIONS DEPARTMENT IS A JOKE. THEY THINK THIS IS FUNNY AND DONT CARE ABOUT ANYTHING BUT TAKING PEOPLES MONEY AND XXXX THEM OVER. HOW ANY TIMES DO I HAVE TO COMPLAIN TO GET SOMEONE WITH SOME AUTHORITY TO GET ON WELLS FARGO ALREADY?

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 2022-08-16
Company: Experian Information Solutions Inc.
State: TN
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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2017-08-21
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit report and noticed a collection account from Enhanced Recovery Company. I have no knowledge of this debt and never received a notice of right to dispute. I did send a dispute letter as soon as I was made aware of the account. I have note received a response from the company.
In the letter I am asking for proof of ownership of this debt and proof bearing my signature or contract with ERC. I do not want bills sent to me but tangible proof that would be upheld per my rights under the fair debt act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My checking account was compromised at the end of XXXX. I filed a complaint and opened a claim the beginning of XXXX. There should have been two parts to the claim - debit card transactions and a wire out of my account to an individual. When the credit union opened the claim they forgot to do the wire of funds claim. So a month and a half later I called and they did the claim at that point. The amount was XXXX, I was not given a provisional credit so this is XXXX of my money they have been holding from me for almost 3 months now saying its under investigation. The person that wired the money out of my account had his name on the wire. So why am I being punished for them not doing their job right the first go round. XXXX is a lot of money and I need my money back. They shouldnt take 3 months to do this investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
My account with Suntrust bank was closed on XX/XX/2021 with XXXX inside legally earned and when I contacted the bank their response was that it would take 90 days for them to mail me a check since they were conducting an investigation on my account. After the 90 days went by I contacted them again and they told me they mailed me a check the week following my account closure and that the check was cashed on XX/XX/2021 on the Suntrust branch located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. After that, I Immediately contacted the bank and created a dispute and another investigation was issued for the check that I was owed for the amount of XXXX $ since it was cashed by another person that it wasn't me or my son since we are the only authorized users of the previously mentioned closed account. The fraud case number for the bank is XXXX and it's been more than one month since this started and they told me they would check the surveillance videos with the bank and no advancement has been made on their part to return me my money. I already filed a police report and reported the issue to my condo management office in order for the process to be completed.

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 2017-08-21
Company: Experian Information Solutions Inc.
State: CO
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 tried to unfreeze my credit report. It could not be done online, and asked that I send in documents. I sent in all documents. They charged me the XXXX $ fee, but have not unfrozen 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 non-monetary relief
Consumer complaint received 2017-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
hi my name is XXXX XXXX XXXX ; i have a continuous problem with my bank account with chase, i been dealing with this issue for two long ... in XXXX i deposited a total amount of 20 thousand before the year ended the bank cleared my funds the overall occurrence was due to a settelmnt for a law suite in the state of XXXX XXXX ... XXXX from there i do reside in the state of XXXX XXXX as well the refferianceibility of my current account is different due to i receive direct deposit from the state of XXXX XXXX due to disability.. 
from their i do n't have my account number but i have my replacement debit card number .... I 'm not sure if that could be sent but ill use phone number format inorder for you to refferiance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from there the association of what is the fluctuation with unnessisary garnishments, which innitially would of been the discrepancy i have put in claims and went through the process but, mainly my issue is within the relevance of my mother who is upset with me at the moment threw all of my property out and i ca n't get access to my bank in formation due to the inability for me to use my benefit card for an id even with a picture on the card as well I 'm unable to receive information from the bank because as well with is a discrepancy they wo n't allow even my personal brach with that incorporated with a receipt for state or drivers license id my mother threw out both ... XXXX from there what is applicability to how i could attain my information pertaining to what is route of your ability to locate my claim as well continuous extractions over 40 thousand would be relating my disability applicable checking account with direct deposite ... ..i also contacted the deposit insurance assessment fund and soon ill contact the inspector general.. first account refferianceable opened in XXXX ( XXXX XXXX the XXXX ( XXXX XXXX XXXX XXXX XXXX.. swell ... XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) ... ..from what information they provided me .... 
humbly I 'm extremely destitute as well homeless at the moment I 'm dealing with the XXXX. still and iwould be attempting a way to get shelter but due to the harassment i stay on XXXX XXXX ... what iwould like is an expedited way to get my money returned to me as soon as possible unfortuinitly my phone was stolen so i ca n't give a number as well an email i ca n't give because XXXX as well as XXXX so ill search for this contact number and once a reference number is given i would applly that or if not contact and inquire please help me as soon as possible thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: WA
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 reached out to Equifax in XX/XX/XXXX and spoke with associate ID XXXX, XXXX, and explained to him that XXXX XXXX, a collection on my credit, is reporting incorrectly and I have submitted evidence that I do not owe this debt by providing emails from the company stating I do not owe the debt. XXXX advised me to file a complaint with FTC and to send a letter, copy of my complaint and copy of my drivers license and social security card. I did as requested and mailed it to the address they provided me the middle of XX/XX/XXXX. XXXX advised me that once the reporter documents are received, the collection will be removed from my credit. I called back two weeks later and spoke with associate ID XXXX  and she advised me that nothing received and she was unable to find my mailed in documents. She advised me to fax it in and provided me with a fax number. I faxed all the required documents in XX/XX/XXXX and have confirmation the fax was delivered. On XX/XX/XXXX, I called back and spoke with another rep and he stated the fax had not been received and he was not sure why. 

I have been disputing this collection for 4 years and Equifax has not deleted this from my credit report even after I sent supporting documents stating I do not owe the debt. They asked me to mail my FTC complaint with a detailed letter and then they advised me I fax it, which I did. I was told the collection would be deleted once my mailed documents and/or fax is sent in. It was mailed and delivered and Equifax continues to tell me nothing has been received and are giving me the run around. 

I called the today and the associate is telling me to dispute it again. I advised him I have since XXXX and they refuse to delete it, even after I was advised it would be once I mailed in what they asked for. I have spent countless hours on the phone with them with no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter addressed to the EXPERIAN Credit Bureau requesting to conduct an investigation and correct the information being reported. The Experian credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$7300.00}

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