BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
State: SC
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 verification to Experian from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( Experian ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.

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 2019-07-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Respected CFPB Officer, My previous employer sent a wire transfer on XXXX XX/XX/2019 through their XXXX XXXX ( XXXX ). The details are listed below. 

Sender reference : XXXX XXXX Transaction Reference : XXXX Payment amount/currency : XXXX Payment value date : XXXX ( XXXX XX/XX/2019 ) I called my bank ( TD Bank ) XXXX XXXX, XXXX, XXXX of XX/XX/2019 to enquire about the status of the incoming wire. Since customers do not have the option to talk directly to the wire department, the TD Bank 's phone agent interfaced with their wire department and told me that the wire will be returned as TD records do not have my middle name and the wire is addressed to my full legal name. Since I gave my official records during the creation of the TD bank account, I asked the agent whether I could run to a TD local branch with my passport and correct the name instead of they rejecting the wire transfer. The TD executive apologized and said the wire needed to be returned and the sender had to reissue the funds again. 

I have been following up with my former employer and their bank ( XXXX ) ever since to reissue the funds but they say that they don't have the returned fund from TD. It seems that XXXX and their intermediary Bank ( XXXX ) reached out to TD via several messages to return the funds but they claim that there was no response from the TD wire department. 

In XX/XX/2019, I went to my TD local branch and when the branch called the TD wire department, they seem to have no record of the incoming wire and rejection. 

The Sending Bank ( XXXX ) launched another investigation and finally concluded that the money is still with TD and they continue to not respond. 

My problem here is that no Banks ( Sender : XXXX, Receiver : TD, Intermediary : XXXX ) are taking ownership of the missing amount. I have severals emails ( 40+ ) showing the correspondence/follow up and I am attaching few key ones here with this complaint. 

Could you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$430.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please correct my personal information on my credit report. Attached is a copy of a bill along with a copy of my drivers license displaying my correct address. The only address that is valid on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
The correct spelling of my name is : XXXX XXXX XXXX My employer information should be : XXXX XXXX ALL OTHER ADDRESSES OTHER THAN WHAT IS LISTED ABOVE AND STATED ON MY DRIVERS LICENSE ARE INCORRECT AND NEED TO BE REMOVED ACCORDING TO THE FAIR CREDIT REPORTING ACT AND : 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2017-10-19
Company: Experian Information Solutions 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:
Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Experian " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. There were specific things requested that the company furnish to validate and they failed to. None the less Experian responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Experian removed it and they to only furnished a bill as validation. So now I do n't understand how Experian ca n't validate on one collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Experian is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws. After searching the Secretary of the State of Connecticut, this collection agency is not registered or licensed as a business in the state of Connecticut and is not accredited by the Better Business Bureau.

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 2017-06-29
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX, XXXX and Experian has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each  company involved. XX/XX/XXXX - XXXX XXXX XXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX  ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX date ALL on XX/XX/XXXX -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's XXXX , XXXX and Experian has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX XXXX when I came in as I am trying to buy a house, On XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX they ran with 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 from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''

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 2019-07-21
Company: RoundPoint Mortgage Servicing LLC
State: AE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company is Roundpoint Mortgage.

In XX/XX/XXXX I accidentally double paid my mortgage for the month. Shortly after, I requested a refund for the second mortgage payment. Once I realized the refund wouldnt be another direct deposit, I asked for the cancellation of the refund and to have the funds applied for XX/XX/XXXX payment instead. At first, the request was noted, however another agent already processed the cashiers check and therefore voided the initial stop refund request. This incident is what initiated my problems with roundpoint mortgage.

Once the cashiers check was issued, I requested for customer service reps to void the check and apply the funds to XX/XX/XXXX payment. I requested this process more than 10 times. Each time, I was told it would be done only to find out my request was never documented or initiated on my account.

To make a long story short, roundpoint held on to XX/XX/XXXX payment for 115 days. Within those 115 days, roundpoint gave me a {$75.00} late fee, and added a delinquency notice on my credit report which made my credit fall by more than 100 points.

It wasnt until 90 days in to my problem, that roundpoint finally acknowledged their error, fixed my credit and removed the late fee. They even sent a long apology letter ensuring the issue was resolved. However, the company still took 3 more weeks to actually apply XX/XX/XXXX payment. Therefore, ( to my current problem ), Im dealing with another -150 point hit to my credit report, and foreclosure warning letters from the company.

I once again asked the company to dispute the company error with the credit bureaus, but as far as I know, my request is being disregarded again.

Ive had my loan since XX/XX/XXXX, every mortgage payment has been made on time since then. Ive tried almost everything I can think of to get the company to resolve these issues and close out the account but the company neglects my complaints and refuses to expedited resolving my concerns.

I am afraid I may have to take more extreme measures to fight this company.

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 2017-06-29
Company: CITIBANK, N.A.
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:
There is two XXXX XXXX account that are NOT mine, one was open X/2016. This needs to be removed it is fraud and again NOT MINE

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1692 C. 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 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 2019-11-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was under an agreement with a merchant to purchase tickets to an event. I submitted payment via PayPal under " Personal Payment '' on accident, it was supposed to be sent as " goods or services '' The merchant 's contact information all of a sudden became " undeliverable '' or " unavailable '' when I attempted to contact them in order to reverse the payment so I could correct the transaction. 
I contacted PayPal, they stated they are unable to reverse the transaction and directed me to file a dispute with my bank via https : //www.ic3.gov/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Here is the letter I wrote to Bank of America that explains the issue. Today, XX/XX/XXXX, I was again denied any relief from the nine overdraft fees due to family hardship : XX/XX/XXXX Dear Bank of America, I just got off the phone with Customer Service Supervisor XXXX, id number XXXX. He refused to refund any of the nine overdraft fees ( {$310.00} ) we incurred during a recent family crisis. The fees were charged on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found him particularly unsympathetic and unempathetic. I was in Minnesota with a mental health crisis involving my daughter and was completely distracted regarding personal finances. I was surprised that not even one of these nine fees could be refunded, particularly as in recent years I have found BoA to be willing to help us out and assist with fees. He referenced the numerous recent fees that the account has incurred and recent fee refunds BofA has provided. With the overdraft protection that we have, my research comes up with the followingfee refunds in the past two years : ( Image here of a total of {$250.00} in fee refunds XX/XX/XXXX-XX/XX/XXXX. ) A total of {$250.00} in two years hardly seems excessive. I would ask that this situation be reconsidered and that some if all of the fees are refunded to provide us a small bit of financial relief in these difficult times. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2022-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX 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 2022-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I deposited 2 {$1000.00} XXXX money orders via the BOA mobile App into my checking account ending in XXXX. On XX/XX/XXXX my account was debited for both of the checks by BOA claiming that the checks were duplicates. Today I made a 3way call with XXXX # XXXX of BOA and XXXX XXXX of XXXX. XXXX advised that the 2 money orders were Honored and paid on XX/XX/XXXX. BOA claims that the funds were returned but XXXX has not received the funds and BOA refuses to provide any proof that the funds were returned to XXXX so that XXXX can then send me replacement checks to deposit. BOA also claims that the funds were debited because the money orders are not able to be deposited via the mobile app but this is not true. I have attached copies of letters from BOA clearly showing that their response is not true. The reason for the debit as indicated in BOA letters is Duplicate Presentment yet they claim they have no record of the letters. Both XXXX and I believe that BOA has the funds and they refuse to credit my account or provide proof otherwise. Tried to speak with Supervisor but unable to do so.

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 2019-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This charade of a so called PROTECTION agency is beyond comprehension to honorable people. You do not even read the reports and if you did you have the same problem as the company does- people who claim to speak English that can not comprehend it. The company sends an alert explaining my score went down. Even after I have paid off and down a number of debts. Unauthorized users continue to read my credit score freely because their so called security freeze by their own words does NOT WORK and by their own words the data is months behind because banks have no mandate to report real time or even timely! Opinion by experience- How sad this farce continues yet why would it not. There is money to be made on false information- higher rates, different terms ad frankly in my opinion the CFPB is complicit and an accomplice as is Congress and The Honorable XXXX XXXX and her so called finance committee- ha- do nothing. Rhetorically one wonders how many millions screwed daily by these " honorable '' people? 
And here is the big joke by your own admission you do nothing- get a lawyer- yea right HA " The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals. '' Really amazing how about giving We the People a fighting chance instead of being ripped off? 
Experian Membership ID # XXXX Member Sign In XXXX, please review your alert FICO Score Your score decreased. 
OH and by the way- do you think while your at it yo can get one of your non america software engineers to grasp XXXX XXXX a female and t FIX their error- she is not a senior! Your contact information 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 2022-04-12
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 paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. Experian and XXXX returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.

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 2019-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On saturday morning as i was walking out of my apartment to go get the metrorail i was physically assaulted and was dealt multiple head traumas, which left my unconscious and my personal belongings were stolen. I contacted bank of america immediately when i regained consciouness as i saw that around 1800 dollars was taken from my bank account ranging from transactions locally to some 3 hours away. After explaining the situation to bank of america they denied my claim in 5 days saying that i'm the one who used my debit card.

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