BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I am XXXX years old and Merrill Lynch refuses to grant me access to my XXXX account without the former custodian 's ( my father 's ) permission. This is against the law. Now that I am over 21 years of age, the account and all assets should be mine : XXXX XXXX XXXXXXXX. Not only would I like access to this money, but I also need access to the account information to file my taxes. 

My father is XXXX XXXX and will not cooperate by transferring " ownership '' of 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 2017-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
my name is XXXX XXXX XXXX XXXX im XXXX person XXXX supplment secuity and socail secuity payments account with bank america XXXX routing number XXXX for payment XX/XX/2017 ssi and socail secuity XXXX asme account my socail secuity adriminartion inpute account above payments account person renting motel room left XXXX were XXXX jumping trains without fare paid geting tickects need to go to room rest XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX want cfpb contact bank america of my senstive information related this matter summitted your cfpb

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 2022-04-13
Company: EQUIFAX, 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:
The Credit Bureaus never did a proper ''Investigation '' according to the FCRA The term ''Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledgeable concerning any such items of information. 

They did not do this, Also they have violated my rights even more In accordance with the fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate the date last active is inaccurate and date last reported is not accurate this is ground for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy,15 U.S.C 1681 604 A section 2 it also states a customer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: PR
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, has violated my rights. 

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

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 2017-10-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I signed up for XXXX so sometimes the people email me about working for them and XXXX or being a my for their child. I had received a email XX/XX/XXXX saying that someone wanted me to contact their sister because she 's interested in me being a XXXX for her child. I emailed the email she had gave me giving them info about who I am and my experience in XXXX XXXX. I received a email back the same day and it said they 're interested in my working for them and being XXXX for their child and that they are on vacation in pureto rico right now so I would n't be XXXX until they came back. I was told I was going to receive a check they wanted me to cash and take my first weeks pay and send XXXX to the " landlord '' for Their house. When I received the check in the mail the next day I went to the back to cash it at Santander and I was told it would take a couple of days to go through. I went back the next day and met wit a lady there and she told me the check was fake so I texted the number I was given in my email and said that the check was fake and the person kept denying it and while I was texting the person I was still with the lady and she told me to prentend like the check went through and lie to the person so that they would send me the account number and so the person can send the account number so they could track who sent me the fake check. But the person did n't send the number so I told them I will be reporting it and I hope they have fun getting locked up. I 'm on here because I go to XXXX XXXX XXXX in Vermont so I 'm nowhere near XXXX XXXX in XXXX where I was when the incident occurred.

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 2016-11-26
Company: Guidiville Indian Rancheria
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
i am receiving threating calls from a company called XXXX the person contacting me name is ( XXXX ) he is stating that XXXX is trying to press criminal charges on me if i dont pay back this payday loan and they are coming to my job and house to summit paper for me to go to court and go to jail. there phone number they keep calling from ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: CA
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has been calling me about a XXXX XXXX  XXXX XXXX credit card that was opened in XXXX  as a result of identity theft. 

I had a relative living with me that used my information to open this account. I have disputed this several times with Portfolio Recovery and they continue to call. I have told them that I will not pay this and to stop calling. They will stop calling for a couple months and then start calling again in the same cycle. This has been going on for years. 

I have spoken to at least 15 reps at Portfolio Recovery and I tell them the exact same thing. Each time I disputed it comes back as a valid debt but I did not open this account. My aunt had access to all of my information and she did this. I have a police report to show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I the consumer am not a third party but acting on behalf of myself submitted a request regarding some fraudulent inquiries that I do not recognize nor did I authorized. My personal information was exposed in a data breach and may have gotten into the hands of the wrong person. I have yet to receive any response to my dispute from any of these credit agencies and its been more than 45days. From what I read on the FTC website when I submitted my request for these fraudulent items it stated 4 business days so how does that turn to 45days?

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 2015-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I ran my credit report with trans-union and notice this XXXX account is still showing on my report. I 've spoken to XXXX and received a refund, for not only not having a balance but also because I overpaid for my procedures. Please contact Customer service Suspervisor XXXX XXXX phone number : XXXX XXXX XXXX XXXX. I will attach the emails where she states I was owed a refund and this account should of never been opened for that amount in the first place. XXXX has been paid in full satisfactory. Please contact her to confirm and remove or change the status of my account to " close paid in full ''. THank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Since well over Ten Years Equifax is using the same incorrect statements in the Credit reports of my wife XXXX XXXX XXXX as well of mine, XXXX XXXX XXXX. 
These are the wrong statements : XXXX Time of Delinquency is too recent or unknown. In Fact we do not have any Delinquency. 
XXXX Number of Accounts with Delinquency. 
XXXX Proportion of Balances to Credit Limits Is too High on Bank Revolving Accounts. These are the Facts : My wife and I have XXXX Credit Cards : No. 1 is a XXXX XXXX XXXX card for XXXX Purchases. 
No. 2 is a XXXX XXXX XXXX XXXX card for all our daily purchases/expenditures No. 3 is a XXXX card we have since 20 years, is rarely used, except when traveling abroad. 
No. 4 is a XXXX Credit card. 
No. 5 is a XXXX XXXX card with a 2 % rate for 18 months. 
All of the Balances of these credit cards are being paid off fully on a monthly basis or when otherwise due! 
Based on these facts the a. m. statements in the credit report are unacceptable for us. 
The same is true for the statements in the reports of XXXX and XXXX. 
They seam to feed on each other. This kind of poor/lousy business practice is hurting and has to stop. 
We like to get detailed explanations how the Credit Reporting Agencies collect their information and where they got these wrong statements from. 
Thank you for your help also in the name of millions of people who are negatively impacted, do not know and do not have the means to fight these unsolid business practices. 
This kind of " easy '', unsolid and lousy way to do " business '' has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
B of A refuses to correctly report my loan as paid in full and closed. The loan was paid in escrow on XXXX XXXX, 2015. I have requested several times through variouschannels yet as of today they still report the account as open with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 - We deposited an {$18000.00} personal check and a {$920.00} XXXX XXXX XXXX check into our joint checking account. The deposit was held pursuant the three-day restriction stated by ALLY bank. 

XX/XX/2022 - We made a {$300.00} XXXX payment and were subsequently notified that the payment wasn't received, wherein it was cancelled and a replacement payment of {$300.00} was made on XX/XX/2022 to replace the original transaction. 

XX/XX/2022 - We receive notice that the {$18000.00} was available, and we ordered a wire transfer for {$17000.00} to pay court awarded attorney fees. Informed that this would take two days. 

XX/XX/2022 - Received an email of a banking PIN change, which I attempted to respond to only to be locked out of our joint account and my Social Security direct deposit. Subsequently, contacted by ALLY Fraud security interrogating me as to the deposit of the {$18000.00}, requesting proof that the wire was being directed to attorney 's fees and questioning the XXXX payments of {$300.00}. Despite providing this data contemporaneously, ALLY continued to block access to our joint account and my Social Security direct deposit. 

XX/XX/2022 - I was directed to contact ALLY due to suspicious activity they had detected on XX/XX/2022 and they locked all my accounts and refused to release my Social Security direct deposit. 

XX/XX/2022 - My wife was contacted by ALLY fraud prevention demanding personal contact data as to the individual that had issued the {$18000.00} check despite having his banking data in hand before agreeing to release our accounts. The party that had issued us the {$18000.00} check reported that ALLY had contacted him by phone requesting not merely if he had issued the funds but inquired as to the nature of why the funds were issued. 

XX/XX/2022 - ALLY finally released the holds on the account and issued the wire transfer and we were able to gain access to our joint account and my Social Security direct deposit. ALLY was notified on the call from Fraud Prevention that we would be filing a report with the CFPB regarding the matter and notify Social Security of the restrictions it had posed upon my retirement benefits. 

XX/XX/2022 - ALLY Customer Service issues a statement acknowledging their unsatisfactory service while misconstruing the facts as supported by the correspondence evidence in email and facsimile formats. No explanation and exception were at any time provided regarding ALLY 's restriction to my unmingled Social Security direct deposit funds, which is a violation of law and SSA and US Treasury Regulations.

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 2022-09-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I was approved for a trial loan modification on XXXX XXXX, 2015 with my XXXX trial period payments ( TPP ) scheduled for XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The amount of each payment is $ XXXXXXXXI made the XXXX XXXX payment of {$1800.00} by calling BoA customer service over the telephone using the funds from my XXXX account on XXXX XXXX, 2015. The transaction was completed the same day as the money was taken out of my account and deposited with BoA and I was given credit for the XXXX TPP payment of $ XXXXXXXXI called on XXXX XXXX, 2015 to BoA Customer Service to make the XXXX TPP ofof {$1800.00} using the funds available in my XXXX account. The transaction was completed. However, BoA made XXXX transactions instead of XXXX and attempted to withdraw {$1800.00} on XXXX occassions totalling {$7300.00}. Our account is overdrawn and XXXX charged us {$34.00} each for the transactions for non-sufficient funds as only XXXX payment of {$1800.00} was accepted. Also, we have written XXXX checks for water, telephone and gas that will be returned because the account is overdrawn. Upon calling BoA Customer Service on XXXX XXXX, BoA representatives said that there was nothing that they can do and that BoA might send a check for {$5500.00} within 10 business days. However, we ca n't wait XXXX business days as our utility companies may interrupt service by then. Also, we need to get reimbursed for the {$34.00} overdrawn NSF fees that will total {$200.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
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:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.

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 2022-04-13
Company: EQUIFAX, 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:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I previously contacted a creditor listed twice on my reports ( XXXX XXXX XXXX ) after I had disputed the listings on my report ( significant errors on listing, conflicting information, incorrect reporting ). I used the address listed on my Equifax credit report to contact XXXX. My letter to XXXX came back as undeliverable, that the address was no longer valid. I contacted Equifax and disputed the tradelines as a result, including copies of the certified letter which was returned and the certified slip from mailing. Equifax purported to investigate the dispute in a week 's time, and advised that they confirmed that the listing are correct. They also advised me to contact XXXX directly AND PROVIDED THE SAME INVALID ADDRESS shown on my credit reports to contact XXXX ( the address from which my prior certified letter was returned ). Clearly they either ( 1 ) did not investigate the dispute in any real fashion, or ( 2 ) XXXX continues to submit incorrect information to Equifax. I am uploading ( 1 ) a copy of my dispute letter to Equifax , ( 2 ) a copy of the letter sent to XXXX which was returned to me as undeliverable, ( 3 ) a copy of the letter I had written to XXXX ( which was undeliverable ), and ( 4 ) a copy of the dispute results provided by Equifax. This has been a frustrating endeavor which has harmed me and resulted in the denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 follow up to my original letter dated regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX   XXXX XXXX. 
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

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 2022-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation