BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Friday at XXXX XXXX I went to Wells Fargo XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to withdraw {$1000.00} deposited into my checking account from a payroll check provided by my employer XXXX XXXX that same day. I was assisted by a teller and acting Branch XXXX Manager XXXX XXXX. 
I presented my Driver 's License and was wearing my photo ID XXXX XXXX work badge. I was told that my identity can not be verified because my address in their system is reflecting XXXX XXXX XXXX XXXXXXXX XXXX I informed the teller and XXXX XXXX, that isn't nor has it ever been my address. 
My address is what my Driver 's License accurately reflects and has been the same since XX/XX/2015. Furthermore, I never requested a change of address on my checking account. Nor have I authorized the bank to perform one. I then asked, " Why wasn't I notified of this change? '' I also asked, " Who authorized this Fraudulent change? '' and " Who made this Fraudulent change? '' I was told that I can't be provided with that information. I was then instructed to visit a branch that is open on Saturday. Due to the closed offsite back office, this branch will not release funds from my payroll check. I informed the branch manager that this Fraud, and a violation of the Gramm Leach Bliley Act, Community Reinvestment Act, Electronic Funds Transfer Act, and the ECOA.

To which the Branch manager replied, " I don't have time for all of that '' I do know that I can not issue funds without verifying your identity. '' I informed her that I have a copy of my US birth certificate in addition to my Driver 's License and work photo ID badge which I've already presented. 
She still refused to release my direct deposit payroll checking account funds. I require & deserve swift economic justice in the form of substantial punitive damages and monetary compensation. As a result of the egregious Federal violation resulting in pain & suffering, embarrassment, unfair deceptive, and discriminatory practices as a result of being a Low- income XXXXXXXX XXXX customer. Wells Fargo has also failed to uphold the Fact Act and identity theft Red Flag rules as an additional violation against me. 
The non-minority customers that I've observed in line being services ahead of me, experienced no such unfair, biased, discriminatory treatment. This Demand letter for XXXX XXXX XXXX in the form of substantial monetary compensation including punitive damages is being provided to the CFPB, OCC, FTC, and the XXXX XXXX XXXX XXXX, against Wells Fargo Bank XXXXXXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX of 2022, I applied for a Home Equity Line of Credit with Bank of America. 

The process was a display of sheer incompetence on behalf of Bank of America. Specifically, asking for the same documents multiple times, not communicating status, not returning calls when I wanted specific information, assigned loan officer didn't return calls, customer service reps providing conflicting information when I called multiple times. 

After several weeks of this, I lost total trust in Bank of America and asked them to withdraw my loan. To add insult to injury, after my cancellation request, they added themselves as a lienholder on my home insurance without my permission.

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 2022-09-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

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

15 USC 1681 Section 604 A Section A 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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

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

15 USC 1681 Section 604 A Section A 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 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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 719transunion has me at a score around 590. 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 n 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 explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm a living human being, a natural person. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 168XXXX. My rights to privacy have been violated, I did not give Equifax permission verbally nor did I give them written permission to display in private or in public, these accounts on my credit report. I need these accounts removed asap. accounts listed below. Thank you. 

XXXX XXXX XXXX, XXXX  ( tXXXX XXXX XXXX XXXX  ) XXXX XXXX Ct XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mortgage XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Account # XXXX, has violated my rights. 
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 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 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was informed that I didnt have any late payment on the record they stated the reimburse the late payment charge but didnt remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022 Truist checking account fraudulently opened in my name with my addresss

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 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Information on hard inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a letter from XXXX stating no service of loan ... I never had a mortgage or inquired I called XXXX XXXX said it is over the posting time on my report and readmit a dispute toCFPB 1. remove 2. I never inquired with XXXX XXXX XXXX. I am a victim of Identity Theft 4. Police reports have been filed. 

Time period on hard inquiry is past, rep said remove accordingly to the law

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 2022-08-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email that CitiBank closed my account for violating the terms of my account. I'm not sure what that means, I haven't done anything unusual. I received an email right before stating that there was unusual activity on my account and that I needed to resolve it. I've called the number and extension mentioned in the email, and was just transferred from department to department with a 45 minutes to 1.5 hour wait time each time. I spoke with many individuals who barely spoke XXXX, and none of them were helpful. I asked to speak with a manager, they then told me that there wasn't one, and that they were going to disconnect the call. No one could tell me why my account was being closed, or why I can't get my money. I no longer have access to my account online, and I can't transfer anything out via the automated phone system. I have a large sum of money in the savings and checking accounts combined that I can't touch. Please 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 explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: VA
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 into the open that you are not hindering records when I sent a copy of the 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 items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

I kindly request you remove this negative reporting information from the period XX/XX/2022, as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized XXXX XXXX XXXXXXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, 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 2022-07-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic. 

I kindly request you remove this negative reporting information from the period XXXX XXXX as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized due to XXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I applied for a savings account with XXXX  and was notified that they would not open an account for me because of information obtained from a credit reporting company called " chexsystems ''. 

After reviewing the report I discovered that they reported " no information '' for me on every item, which is incorrect. I checked and my information with all three credit reporting agencies is accurate. 

I contacted chexsystems and filled out the forms they required for investigation as to the misinformation and I received a case number. ( reference ID is XXXX ) It has been over 60 days and I have not received any information from checksystems regrinding my inquiry and complaint. 

Clearly chexsystems is in violation of the law by not responding to my complaint and not correcting the inaccurate information they reported to dollarsavingsdirect. 

I have attached : Bank Application number Bank refusal letter Report from chexsystems Confirmation of 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 2022-12-04
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX  XXXX XXXX on XXXX ; AMEX, XXXX on XXXX ; XXXX OF XXXX, inquired on XXXX ; XXXX XXXX NA, inquired on XXXX ; XXXX, XXXX on XXXX ; XXXX XXXX XXXX XXXX XXXX on XXXX ; XXXX CARD, inquired on XXXX ; XXXX XXXX XXXX, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: Amsher Collection Services, Inc.
State: GA
Product: Credit reporting 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 usc 1692 ( b ) account XXXX XXXX XXXX XXXX, Amsher Coll XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation