BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is what I sent the bank. They have not responded helpfully by any other means and don't really show any interest in stopping this. I'd like to close that account and more importantly recover my money. Thank you. 

Hello, I'm sorry but I did not make these charges. I've blocked the card, it was thrown out because it wouldn't work for me. I reported some other charges already. What should I do? Is it to late to reverse these? It looks like someone else has is using my card, I think my info must've be sold online. Please cancel my accounts. ally account # - XXXX I didn't make any of these charges : XX/XX/2022 XXXX XXXX, XXXX- {$800.00} XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV, XXXX - {$1800.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV, XXXX - {$15.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$140.00} XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$2200.00} XX/XX/2022 XXXX 'S # XXXX XXXX XXXX XXXXXXXX, NV, XXXX - {$43.00} Thank you. 
Best, XXXX XXXX I was scammed somehow I do not know how. It's no one I know. I haven't given my pin or card or anything other than normal shopping but nothing so expensive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, {$15000.00} was taken out of my Bank of America XXXX account via XXXX. This happened as I sat in the bank lobby waiting to talk to a banker and after a teller confirmed that I was talking to Bank of America XXXX department on my phone. By the time I saw the banker, my savings account had been drained. Both Bank of America and XXXX refuse to refund any money because I authorized the transactions. I did under their direction. I have filed a police report and have filed complaints with both Bank of America and XXXX. Ive already received the rejection letters from Bank of America. I just want my money 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 monetary relief
Consumer complaint received 2018-05-25
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was taken by ambulance to the emergency room at XXXX XXXX hospital in XX/XX/XXXX with XXXX   XXXX XXXX from a XXXX to do my XXXX XXXX. I was sent directly to the XXXX XXXX. the dr. claiming this bill / never sent me a bill to my address until XX/XX/XXXX claiming it was still owed. all bills were sent to the XXXX XXXX va. billing dept. with a pre approved authorization # and all drs. agreed to be paided by the va. its not my fault XXXX. XXXX XXXX did not submit his billing in a timely matter to his agreement to be paid by the va. since I am a XXXX vet with a hardship below the poverty statis. and I made clear to all drs. who treated me that I could not pay these bills and I even asked to be transferred to the va.to see my own drs. and they told me the va. agreed I should not be moved. this is an ongoing habit at XXXX XXXX hospital of not hearing what the patience is saying to them and XXXX. XXXX XXXX put this bill against my credit report without notifing me first in fact its been on my credit report for some time now. I was also contacted by the billing dept at XXXX XXXX and they said I fell under the hardship forgivness program. if you can help me with this complaint im complaining about. XXXX XXXX XXXX phone # XXXX XXXX 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 2022-08-20
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The lease XXXX XXXX XX/XX/XXXX signed was the name of the account opened. I was added as an extension to get a parking pass for guests. The lease ended in late XXXX between XXXX, and was not eligible for lease renewal. The debt was transferred inaccurately to the wrong XXXX. There was a qualification for the lease I wasnt there for & a background check that I didnt do to open an account with the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like XXXX, Experian and XXXX have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither XXXX, Experian nor XXXX has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to XXXX, Experian and XXXX never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, XXXX, Experian and XXXX are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to maintain " reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ( 15 USC 1681e ). 

However, XXXX, Experian and XXXX are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of XXXX, Experian and XXXX reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.

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 2022-06-22
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A collection company XXXX XXXX XXXX ( XXXX XXXX managing member/owner ) used their Inhouse attorney XXXX XXXX XXXX to file a time-barred debt collection law suit against me. The original creditor is CASHCALL INC who sold the debt to XXXX XXXX XXXX and the collection processes continued. 

The partner law firm of XXXX and XXXX law firm thereafter proceeded to file various documents, some of which without serving me, until they obtained a Judgment. 

XXXX XXXX XXXX do not have a permissible reason to run my credit report. The neglectful actions of this firm has caused me furthermore financial harm. Due to my seriously distressed financial condition, it has been quite difficult to progress in a new line of work that I need.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I'm using paypal account for online freelancing since XX/XX/XXXX and it was permanent limited last XX/XX/XXXX and has a small funds stuck in it. My account : XXXX with balance of XXXX XXXX, I'm hoping that my account will restored as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NJ
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:
This is criminal. 

I have an old XXXX XXXX XXXX account ( XXXX ) showing on my credit reports with inconsistent and inaccurate information. I will attach a a picture for reference. You can see on the 3 credit report attachment that the following information is inconsistent across the three credit agencies : 1. Account Status 2. Date Opened 3. No of Months ( Terms ) 4. High Credit 5. Payment Status 6. Last Reported 7. Date Last Active 8. Date of Last Payment The payment history is also inaccurate. Equifax had the account in Charge Off Status for over a year after it was legally settled. I obtained a car loan 13 months ago and my interest rate was affected by this fraudulent information ; meaning I have monetary damages due to this illegal reporting. I disputed multiple times and the information is still there, the only thing Equafax did was change by last few payments to " On Time ''. IF IT WAS A CHARGEOFF HOW CAN IT SUDDENLY BE PAID ON TIME THE LAST 6 PAYMENTS. Please look at the attachment and see how insane this reporting is. I will be seeking legal advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX 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. 

On XX/XX/2022 I received a notice that my credit score had dropped XXXX points due to three late payments involving XXXX XXXX XXXX XXXX had been reported. The months reporting late were XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted all three credit unions, and provided them with copies of my on-time payments for the following months. In XXXX  I made an on-time payment to XXXX XXXX XXXX XXXX in the amount of {$350.00}. In XXXX  I made an on-time payment of {$350.00}, and in the month of XXXX XXXX, I made an on-time payment of {$350.00}. After a few weeks all three unions wrote me a letter informing me that all the information reported on my report was correct, and that they found no errors. This is incorrect, given I provided documentation proving that I indeed made on-time payments for the following months ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like these items to be corrected/and removed to report correctly.

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 2022-06-22
Company: EQUIFAX, 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:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.I believe information in your file results from identity theft, I have the right to ask that a consumer reporting agency block that information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXXL XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Requested XXXX transfer of all assets ( All cash ) to XXXX on XX/XX/XXXX & from my other XXXX account on XX/XX/XXXX. 

Both XXXX  were rejected by XXXX, I then submitted multiple times ( I have proof of each attempt ) XXXX one time distribution pdf form ( with Driver License photo and wet-Signature ) for them to close my accounts ( CMAs ) and wire my holdings to XXXX XXXX XXXX XXXX. 

Every submission ( certified mail was rejected as no one of authority available to sign for it ), secure document uploads on multiple dates prior to their account closure and wire out before they locked me out of my accounts, as well as my plethora of phone calls, in-person meetings with XXXX XXXX of their XXXX, CA branch XXXX he would call and get dead-ended in front of me ), hour-long on-hold calls to them. 

Finally, they mail me their official account closure notice ( as though I have not been constantly requesting as such for over a month now ). 

I went in to their XXXX, CA XXXX again to be told that I am not allowed to wire out my own money which they have been playing keep-away from me for the past month. 

Instead, their letter details their audacity to ask me how I want my money & that they would distribute a check on XX/XX/XXXX if I did not indicate that I wanted my money now. 

This whole process has been a proverbial and literal slap in the face, I realize other firms operate with a semblance of professional integrity and so I feel compelled to report their blatant mishandling of my assets I made the mistake of entrusting them with. 

Everything is documented, including on their end, so I ask you, the regulatory body that can compel them to be held accountable for such blatantly unacceptable behaviors- to make sure they are held accountable and that this happens to no one else. 

As of XX/XX/XXXX, XXXX XXXX of their XXXX, CA branch was able to get their central processing division/team to supposedly approve an incoming ACATS transfer to either my XXXX brokerage accounts or my Vanguard accounts XXXX why I am bound to these limiting conditions they conveniently placed onto me ( ignore all my account closure+wire requests, and ultimately provide me with such a limiting and inconvenient scope of accessing my own money ), befuddles me. I hope you guys can figure that out, as clearly I, as I, as an individual investor, mean absolutely nothing to this corporate giant.

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 2022-06-22
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 submitted a request for a follow suit on a collections account. I sent the information to Experian and the collection account came back verified through Experian. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH 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 explanation
Consumer complaint received 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear Sir/Madam, On XX/XX/XXXX, BOA froze my checking account ending in XXXX. I reached out to the BOA and found out that it was a business decision they took to freeze my account but they wouldn't close the account and release my money ( tax refund and stimulus money ) till the issue with my other checking account ending in XXXX is closed. Basically keeping my money XXXX in the account XXXX. 

Regarding XXXX, we suspected fraud activity on this account on XX/XX/XXXX and the account has been in the credit only state since then i.e. XX/XX/XXXX. The balance in that account was {$190.00} before it went into credit only state. Now the balance is XXXX cents due to all the BOA holding fees. But BOA is not able to close this account due to fraud transactions ( XXXX XXXX  ) always in the pending/processing status. I have spoken to Fraud dept multiple times in last XXXX months, they just not able to block these fraud ACH transactions but told me not to worry about it as the account is in credit only state, the transactions wouldnt post but they wouldnt be able to close this account with transactions pending. 

I have been calling literally everyday since XX/XX/XXXX. On XX/XX/XXXX i was told there was no pending transaction on XXXX account yet the risk and closure dept wouldn't close the account due to pending review. Risk and closure dept keep giving me tentative closure dates and then push the dates out. When I ask, I just get told they can do that its per the contract I signed before opening the account. 

At this point, I'm out of sorts and frustrated. Your immediate attention regarding this issue will be highly appreciated. 

Thanks, 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 monetary relief