BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax does not report accurately. Its the only credit reporting agency reporting numerous inaccuracies with my credit. Also they dont even update or report accurate last time that reported was XX/XX/2021 it is XX/XX/2021! They have a repo from XXXX wasnt mine everyone else deleted but them. They have not update all my cards and XXXX  balances. They have inquiries in my account I have sent letters asking to remove or provide me proof they havent. I have only received 1 generic letter from them out of the 5 I have sent. They are reporting 2 address that arent even mine nor not even on my other reports! They need to be held accountable. 
This is my final ask for help and I am taking it to court. I have rights and they are in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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:
I did not give any of these companies permission purpose for run my credit. These accounts/inquiries are not verified. I have no knowledge of these companies. See attached letter. I demand that this be removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Back on XX/XX/2021, I contacted TransUnion & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX XXXX I informed them & provided documents stating that this account needed to be removed as XXXX XXXX XXXX is committing several FCRA violations. Thus far, TransUnion has refused to remove that account. At the same time that I contacted TransUnion, I also contacted XXXX XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX XXXX  via mail dated XX/XX/2021, that this account does not exist. Therefore TransUnion immediately needs to delete / remove this fraudulent account from my consumer report within their database.

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 2017-10-10
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:
I have contacted XXXX and Transunion regarding student loans from XXXX that are 13 yrs old and 8 yrs old that are showing closed on my credit file. I have dispute a number of time explain that this information is old/outdated and should not report on my credit file as this information is outdated. on XXXX/XXXX/XXXX I have spoken to US Department of XXXX  and Transunion and XXXX Regarding this outdated account and Us Dept of Education tell me that this account is no longer in there office and has been forward to a outside collection agency.They tell me that this information should not even be on my credit file since it so old and outdated. Transunion and XXXX are tell me its on a 30 day cycle to be investigated and then they already tell me twice back in XXXX XXXX and XXXX XXXX that I dispute this information that it has been investigated as accurate. The fact is that these several account are way over 7 years old and are in Violation of the 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 2021-08-12
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: Account status incorrect

Complaint:
This is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but heir inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and remove incorrect information from my report. By two monitoring website XXXX and XXXX XXXX I have no late payment on accounts bellow, but at the same time XXXX sent me letter with stating that I have late payments on these. 
1. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2017-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XXXX XXXX, XXXX, Bank of America asserted a " right to offset '' against my account to pay off an Overdraft amount of {$150.00} associated with my son 's Bank of America account because I added my son to my account as an " authorized user. '' I am not a joint owner on my son 's Bank of America account and therefore asserted that they should not take my money to pay any account that I am not owner nor part-owner. 

I 've been member of Bank of America since XXXX, opened in XXXX NC. I added my son as an authorized user in XXXX. I have had my payroll directly deposited into my account since 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 monetary relief
Consumer complaint received 2021-08-12
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: Their investigation did not fix an error on your report

Complaint:
Hello, I have sent in the requested information and the item is still appearing. Why is it not removed? I have sent in everything that was required from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/XXXX, I opened an account with Bank of America with a check in the amount of {$5300.00}. The check was a distribution from my Roth IRA written out from XXXX XXXX and drawn against XXXX XXXX. 

On Saturday, XX/XX/XXXX, I could no longer access the account. 

Upon contacting Bank of America on Monday, XX/XX/XXXX, I was informed that the XXXX XXXX had flagged the checked as counterfeit and that Bank of America was taken the action to close the account. At this time, the account had {$2100.00} in it. 

I immediately contacted XXXX XXXX and informed them of the situation. They, in turn, had contacted XXXX XXXX to determine what had happened. XXXX XXXX called me on XX/XX/XXXX to inform me that XXXX XXXX had NOT deemed the check counterfeit. They had cashed the check and provided the funds to Bank of America. 

On Wednesday, XX/XX/XXXX, I called Bank of America to inform them of the information from both XXXX XXXX and XXXX XXXX. Bank of America informed me that they wanted XXXX XXXX to tell XXXX XXXX to request a " return of funds '' from Bank of America to XXXX XXXX for the remaining {$2100.00}. Bank of America was not going to reopen my account and they were waiting for XXXX XXXX to return the " counterfeit check ''. 

On Wednesday, XX/XX/XXXX, I called XXXX XXXX to inform them of Bank of America 's request. XXXX XXXX requested that Bank of America provide them said request in writing so that they could look into what was being asked. I called Bank of America to request the information be faxed to XXXX XXXX in writing. Bank of America refused to do this. 

On Thursday, XX/XX/XXXX, I called Bank of America to figure out what exactly we could do to release the {$2100.00} currently in their possession. They informed me that the Bank of America Fraud Department would open an investigation into the circumstances of my account closing and the remaining money. I was told it would be five business days to complete the investigation. 

On Wednesday, XX/XX/XXXX, I received a letter ( date XX/XX/2022 ) from Bank of America informing me that they decided to close my account. I also received a letter form XXXX that they received negative information about an account I am associated with ( assuming this to be the Bank of America account ). I called Bank of America to inquire about the status of the investigation since it had been almost 3 weeks. I was informed that there had been no status updates on the investigations and that there was no time line to start the 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 2017-08-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I 've had a Chase credit card for a few years, never late. I opened a checking account 2 days ago and they now have closed the checking account and my credit card account. They did this a few years ago too. I can get to answers as to why. I have not defaulted, I have not deposited cash, I am not money laundering or gambling or overdrafting or anything else. I have 2 other checking accounts but there is a Chase close by so for ATM purposes it would have saved me . It was fine that they closed my checking, I had never had the chance to even use it but to close my credit card too ... rude. Please help, it 's been years and I 'm blacklisted by Chase and can get zero answers from the company ... only that they have the right to close my account ( s ) with no explaination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
On XX/XX/XXXX I attempted to get a new card from XXXX credit card services and 3 weeks later it NEVER came. I called and requested another card on XX/XX/XXXX and still has not come thru the mail. Also, I had not used my XXXX credit card since XXXX of this year and I paid it every month, and ON TIME, yet a few times that i attempted to use it at the checkout, the individual would say, " its been declined '' and that is the reason why I had NOT used it since XXXX of this year. 
A similar occurrence happened with my Barclay credit card. And on another event I received my statements from Barclay credit card with the numbers on the pages missing, for instance I received 6 pages, in which, several pages were missing. They were numbered like so, 1 of 1 ... 2 of 2..3 of 3 and so on ; however, 3, 4, and 5 were missing from my Barclay credit card statements. Not only that but the several times that i called in to make a payment, with BOTH Barclay credit card AND XXXX credit card, it was not usual protocol that I'm normally used to and the individuals on the other line sounded very suspicious ; also in the way they handled the phone call. Not protocol. Tell your XXXX that are on your team running the show behind the scenes in America, that I said, " XXXX XXXX XXXX!!!!!!!!!!!!!!!!! '' Thank yoo, sincerely yours, 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 2017-10-10
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:
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX  of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
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:
I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : 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 2021-08-12
Company: Experian Information Solutions Inc.
State: MO
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:
The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts.

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX

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 2021-08-12
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have send over 5 requests to Transunion They are not updating my report or removing inaccuracies- They have not given me a copy of my report. They sent 1 generic letter!

They are the ONLY reporting agency reporting these!

Reporting inaccuracies XXXX - says Im a co-signed on a count never provided proof of debt validation XXXX XXXX Ac

count- has a person same name with a totally different sob and social from me and still reporting the fraud XXXX- states a late payment it it was paid off early in full never was late ever!

The inquires attached were done without my consent. Signature or acknowledgment and they wont remove after contacting them three times they have failed to protect my rights by law and harming my score and credit account with inaccuracies they also have not update XXXX XXXX on accounts that have XXXX XXXX since XX/XX/2021 I want them held accountable

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 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I open the account made a deposit then when I made a deposit they said they can identify me and then close the 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 explanation
Consumer complaint received 2016-10-24
Company: Caliber Home Loans, Inc.
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted XXXX complaints to the CFPB, called MANY times, then I gathered all of the information I was told was necessary for the CFPB to review the Lies and crimes that Caliber Home Loans has been committing, and is CONTINUING to commit on my mortgage loan. I NEED a status update on the submission I MAILED to the address provided, to ensure the CFPB received and reviewed the information I mailed. Caliber does NOTHING but Lie, and Lie more. I mailed almost XXXX pages of proof of this. Please contact me with the status of what I mailed to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: PA
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've Reached out to Experian, about an account I believed that was reporting inaccurate information on my credit report. 

Account Name : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ... 


Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.

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 2017-10-10
Company: Weinman Acquisition Group
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This conmapmny WEINMAN ACQUISITION GROUP is calling saying they will sue me and take me to court, for a deb i dont have, they say i open a account wirh XXXX XXXX, XXXX never have. and they keep calling and the have my information, we dont know this account, we dont open any credit card with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX XXXXXX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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