BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I went to log into my Bank of America online banking and wasnt allowed. I reached out the financial institution and no information was provided, except the bank is closing your account for undisclosed reasons. I expressed that I had money in my account and a child to feed as well as bills to pay and transportation to get to and from work. They said theres is nothing they can do. I just have to wait.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management Services , Inc continuously tries to collect a false inaccurate debt by any means necessary. In the form of harassing phone calls to both friends, relatives, employers, letters, and credit reporting. On several  attempts NCB has been put on notice of this so-called claim to a false inaccurate debt in the amount of {$6800.00}. A debt they claim to have purchased from XXXX XXXX  that was discharge. Furthermore, besides being inaccurate as of todays date NCB is attempting to collect on a debt thats over seven years old. And past Five-year statues of limitations in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fidelity is not protecting me from fraudulent use of a credit card it issued to me. 

Furthermore, Fidelity keeps telling me different things when I call to address the matter. Fidelity has told me to submit my claim one way and assured my card would not be charged, only to later tell me my card will be charged. Fidelity has repeatedly told me I would receive follow up calls in the past, and then they would not follow through at all. 

In addition, Fidelity representatives continue to tell me, inaccurately, that I bought a purported ticket and used it and that the ticket was non-refundable. Therefore I have to pay it whether I like it or not. However, I did not buy or use this ticket. Fidelity keeps telling me to prove I did not buy it, but one can not show evidence for something such as this that did not happen. Their fraud reviewal process is flawed and nobody at Fidelity has been accountable. Their credit card operation is a rudderless ship. 

Fidelity markets and benefits from credit cards, but does nothing to help its consumers. They disassociate themselves from the credit card and tell their clients they have nothing to do with it when there is a problem. Fidelity is only interested in taking your money, not in protecting it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: AL
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 XXXX  And the three major Bureaus, XXXX XXXX, XXXX, and Experian because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC

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 2022-06-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I paid my Mortgage using my Credit Union account transferring funds to the mortgage account at Wells Fargo. The Wells Fargo account reflected that it was paid, but they did not pull the money from the credit union account until today, XX/XX/XXXX, when it was paid on XX/XX/XXXX. I called my Credit Union on XX/XX/XXXX, XXXX XXXX XXXX and they stated that nothing had been pulled from the XXXX XXXX account. When I called Wells Fargo they state that it had been paid and on the site it shows that it had been paid on XX/XX/XXXX. 
Now today they have caused my accounts with XXXX XXXX XXXX to have a negative balance because of them holding this transaction for 5 days. I am tired of Wells Fargo taking my money and doing what they want with it. 
In XXXX, Wells Fargo took XXXX XXXX dollars from my account and sent it to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Alabama without my authority when the money was clearly mine. I only called Wells Fargo to report what XXXX XXXX XXXX XXXX XXXX was trying to do to me and they took my money and sent it to them without my authority and came back and wrote something up as if I asked them to do so. It was founded by the Alabama XXXX XXXX that XXXX XXXX XXXX XXXX XXXX owes me {$10000.00} the same {$10000.00} that Wells Fargo took and sent to them. 
I am tired of being bound by Wells Fargo!! I feel obligated to them because they have my line of credit and mortgage and I don't know how to get out.

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 2022-06-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquiries I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Kikoff Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I pulled my credit report earlier this year, and notice XXXX was on my credit report, did research to find out how, why, even reported to my local police department, thinking someone was during some fraudulent activities on my credit. But, I was informed there's not much they can do. I have filled out a fraud report with XXXX, and they are trying still to make me pay for a service I have no knowledge of. I have called, contacted and tried to report FRAUD to this company, this is NOT MY ACCOUNT. I have filed a complaint with the XXXX  # XXXX in regards to reporting incorrect information. Please remove from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: DISCOVER BANK
State: FL
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:
On XX/XX/22 I received an alert from my bank concerning a new inquiry from Discover. I don't need another credit card and I went to my bank for guidance. They told me to call 1 of the credit agencies and I called XXXX to put a freeze on my accounts. I did and was told that he would alert the other 2 agencies as well. 
Today ( XX/XX/22 ) at XXXX I got a call from Discover ( XXXX XXXX ). She informed me that someone was using my S.S. # and my credit report to obtain a Discover Card in Utah. She gave me the application # ( XXXX ) and told me to file this report. She also told me that I needed a copy of this report and my I.D . to be faxed to Discovery ( XXXX ) in order to prosecute this individual. I don't know why? I'm the victim here. 
I was scammed for {$29000.00} on XX/XX/22 by a guy named XXXX ( XXXX ) and reported it to the FBI ( of which I haven't had and response from ) so I don't take any chances. I have changed all my passwords, scrubbed my computer, got a VPN for my devices and go to the bank as soon as I have a concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  account XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX XXXX account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT #, XXXX XXXX XXXX XXXX ACCOUNT #, XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received an email that a former employee of mine, whose employment ended more than 5 years ago, received a call on her personal cell phone from ARM Solutions, XXXX, advising they were trying to locate me to " collect a personal debt. '' This is wrong on many levels, as you know. 

I tried to call the above number, and had to leave an automated call back number. I emailed ARM Solutions at the " contact us '' email address on ARM 's website.

This is a former employee who often refers my business, and ARM 's blatant privacy violation could cost me business. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: LEXISNEXIS
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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


XXXX XXXX XXXX XXXX XXXXXXXX XXXX number # XXXX Has violated my rights. 
LEXISNEXUS XXXX XXXX XXXX. 

CFPB violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did a refinance on my home and was told that there would only be XXXX inquiry but in fact, my credit was pulled multiple times by a few different lenders. When I was presented with my credit report, I noticed other inquiries that I did NOT approve. This is my XXXX request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX 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 2022-09-19
Company: EQUIFAX, INC.
State: WI
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 Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXXt Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
See previously closed CFPB complaint - XXXX - that was closed without a satisfactory resolution. I am still owned {$72.00} in overdraft fees that should not have been charged. I have supplied my " actual '' records, detail and bank statements verifying my checking out balances at the time the overdraft fees were incorrectly charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started a deferment on a mortgage with XXXX XXXX in XXXX of XXXX. I have been furloughed from my job from the beginning of the pandemic until XXXX of XXXX. The accepted the deferment. Once I was ready to get off the deferment I was approve for a modification of payment with the company because I had a VA loan. The moment I completed my 3 payments of XXXX the sold my loan to Midland Mortgage and the problems began. I filled out documents because they said I need to resubmit everything in XXXX of XXXX. In that month they have me denied by the VA to modify my loan. They say I must be current. They say on XX/XX/XXXX midland mortgage says no worries we have all the documents to resubmit your paperwork. They dont. I call back on the XXXX of XXXX. Nobody resubmits. Midland mortgage expresses dont worry we will resubmit, they give me I dont know what happened. I pay XXXX, XXXX and XXXX! And then the say they need to stop taking my payments because they started the foreclosure. I get a letter from the attorney saying you have 10 days to pay XXXX. Midland mortgage can not supply with with record that they resubmitted my request the additional 2 times that they said they would. My credit score is to the point where I can not get a loan for the money nor do I have enough time to apply for assistance. The reviews for Midland Mortgage are mostly just like my complaint.

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 2022-09-19
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX Shellpoint Mortgage Services continues to falsely report delinquent payments to all 3 credit bureaus and move forward with foreclosure procedures. Company is incompetent at receiving loan payments and applying the payments to the account. I have XXXX mortgages with the company and they correctly apply the payments to one of the mortgages but continually do not apply payments to the other and leave the funds in a suspended funds account. This is my XXXX complaint through the CFPB and they say they are going to fix the issue but never do. Just received foreclosure documents in the mail again today. The mortgage servicer can not provide an acurate payoff statement. Statements provided to date are filled with incorrect charges and fees from failure to pay but payments are received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-06
Company: EQUIFAX, INC.
State: TX
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:
It all started after I got my purse stolen in 2021. Someone has been applying for credit and opening accounts in my name ever sine. I filed a Police report and a FTC report. Hopefully ya 'll can help me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted request to all XXXX, Experian, and XXXX regarding removing inaccurate items from my credit report. To date I have not received any response, and they are still reporting inaccurate information on my credit report, as they have not provided any information of them removing the inaccurate items from my credit report.

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report

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