BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX my stolen identity information was used to open a checking account at Bank of America. I spent countless hours on the phone with them attempting to resolve it to no avail. I went in person to a branch on XX/XX/XXXX to get it sorted out and was assured it would be taken care of. Its XXXX now and I am still getting account balance statements from BoFA who have clearly not closed this fraudulent account. Going into a branch again I get stonewalled by tellers and managers who cant be bothered to help me get this done. Bank of America does not take identity theft seriously and should not be allowed to do business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: KEYCORP
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow set up. My property taxes were due XX/XX/XXXX. Multiple times in writing I asked that my property taxes be paid before the due date with no response until I filed a separate complaint on this site. Even then no response to my issues multiple times and I still have not heard from them. It was paid 13 days after the due date. I sent a notice of error to XXXX XXXX on XX/XX/2022. This is not acceptable. I pay all my bills early. I have an escrow account expecting that this company will not ruin me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: AR
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:
While reporting these accounts, the reporting companies are violating my rights according to the Fair Credit Reporting Act. My federally protected rights to privacy and confidentiality have been violated by reporting agencies according to 15 U S Code 1681.My rights have also been violated by the lender because they never gave me the option to opt out of this information being reported. 15 U S Code 6802 clearly state that any financial institution that share information with third party affiliates are required to give the consumer an option to opt out of their information being reported. That option was never giving to me. 15 U S Code also states I have a right to privacy, and going on to say that reporting agencies can not furnish reports without my consent. I have tried time after time to dispute these items but the continue to be reported by two consumer reporting agencies. 
Account # XXXX US DEPT OF ED/XXXX  Amount {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector is trying to collect a false debt, which was a result of identity theft and the official company removed the debt from my credit report. But my report is now damaged from an invalid debt trying to be collect which was already removed and deleted from my report. The account was deleted on XX/XX/2022 but a debt collectors is claiming false debt now in XXXX which is damaging my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Got pre approval for mortgage in XXXX XXXXWent under contract with new build in XXXX. Builder required commitment letter within 30 days. Fifth third never provided it. Close date on home expected in XX/XX/XXXX th 2022. It is now 1 week before closing and still no commitment letter from fifth third. They only look at case once a week and request additional info every Friday. I promptly provide info requested within 24-48 business hrs and they take another week to look it over and come back with additional info requested. I am now 1 week from closing, and builder is unwilling to push back closing date. I will lose the house, with no place to go. I am out {$16000.00} deposit to the builder in addition to application and appraisal fees fifth third has charged. I escalated issue to managers and supervisors, they are non responsive. Worse experience of my life. I bought a house years ago and never went through such a horrific experience. They are the worse. Worse of all lawyers wont take the case since even though they believe in my case simply because its not worth it to them. Something should be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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: Reporting company used your report improperly

Complaint:
On XXXX I sent XXXX A LETTER DISPUTING THE VALIDITY OF THE BANKRUCPTCY THEY ARE REPORTING ON MY CREDIT REPORT. THEY RESPONDED WITH A LETTER STATING THAT THEY " VERIFIED '' THIS ITEM THROUGH XXXX XXXX. I WENT DIRECTLY TO XXXX XXXX TO DISPUTE THE ITEM IN QUESTION AND XXXX COULD NOT VERIFY THIS ITEM SO THEY DELETED IT FROM THEIR DATABASE. 

I THEN. WENT BACK TO XXXX ON XXXX AND SHOWED THEM THE DELETED BANKRUPTCY FROM XXXX XXXX INFORMING THEM THAT IF THEY COULD NOT REVEAL HOW THEY TRULY VERIFIED THIS ITEM THEN IT NEEDS TO BE DELETED ACCORDING TO THE FCRA. THEY HAVE ONCE AGAIN REFUSED TO DELETE THIS ITEM WHICH IS IMPLODING ON MY ABLITY TO PURCHASE A HOME AND CAUSING ME TO PAY THOUSANDS MORE IN INTEREST EVERY YEAR. 

THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; TRANSUnion/XXXX XXXX XXXX  Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on ; XXXXXXXX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; XXXX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX TransUnion Inquiry Name : XXXX Inquiry Date : XX/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 explanation
Consumer complaint received 2022-06-24
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX  c/o Comenity bank reported my account delinquent after I closed the account. I closed the account on the XXXX of XXXX and they reported me late. I made payments XXXX and XXXX. Would not provide me with a payment history. They placed the a account and delinquent because I no longer wanted the credit card. This a fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
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 an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX  {$660.00}, XXXX XXXX XXXX  {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Valor Intelligent Processing, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been getting multiple calls from this company for a few months now and am requesting a cease and desist. I do not have accounts with nor owe anything to them for which they are seeking payment. I am asking for the contact to stop immediately. I have mailed and emailed them a cease and desist and they keep calling and harassing my ex-wife calling her as well as they assured me that they would not call her and remove her number and they are still calling her. Under the provision of Public law 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt or any other debts that you allege I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I currently have a Fidelity Credit Card and I cancelled my card due to fraud charges appearing my invoice statement in XX/XX/2022. Fidelity provided me a new credit card with a new Visa Credit card number. The same merchants recharged my new credit card number in XXXX XXXX I contacted Fidelity and I was told merchants can purchase a service from Visa to obtain a customers new credit card number without the customers or Fidelity 's permission. Fidelity stated many deceptive companies use Visa services to obtain customers credit card numbers to bill consumers fraudulently. 

I am now dsiputing the new charges on my credit card number. I was told by Fidelity there is no way to stop Visa from providing out my credit card and therefore I am being billed fraudulently a second time. Please have Visa to stop providing my credit card number out to companies in order to bill my credit card 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company. 

I called them and they said I owed half of that for a store credit card, but refused to delete from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was paid and yet this collector still reports the debt on all three reporting agencies. please delete info as it has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In this unfortunate situation, I had to report fraudulent activity on my old account after falling victim to a spoof email scam that compromised my account. Despite notifying the bank about suspicious transactions, the institution neglected to take immediate action, leading to further fraudulent activities. As a result, the bank decided to close the my old account as a precautionary measure to prevent additional financial losses and protect me from further harm. However, this closure has now created new challenges for the me, as I am facing difficulties in opening a new account with the same institution. I am understandably frustrated with the handling of their initial complaint and the subsequent account closure, making the process of seeking resolution and regaining my banking access a frustrating and cumbersome endeavor. To find a resolution, I consider contacting the bank again to discuss their concerns and explore options for opening a new account or alternative banking solutions and they stated that they arent allowed to discuss any options. -Account closure 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX  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 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 2022-06-24
Company: Experian Information Solutions Inc.
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:
Experian continues to violate my consumer rights and is committing fraud by reporting inaccurate and unverified bankruptcy. The court has said they did not verify this inaccurate information and I demanded XXXX XXXX remove the inaccurate and unverified information they were furnishing to all CRAs. Experian 's willful noncompliance is causing unnecessary anguish and distress.

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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
United States Department of Education continued to garnished wages for the amount owed for quite some time. If the debt is being satisfied according to DOE why the negative reporting? Reporting is a violation of FCRA. Requesting removal of negative reporting as this continues to decrease credit and creditworthiness.

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 2022-04-24
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may Concern, My name is XXXX XXXX. I had a credit card with Target. Target harmed me big time. I had an emergency trip back in XXXX due to my father in law getting XXXX XXXXXXXX XXXX. I called them from XXXX and I paid my balance. Apparently, they didn't note my account that I paid in full and took the money but didn't notate the account. After 2 months they called saying that I have late fees. I was shocked and asked them to send me statements and they never did. After few months a lady named XXXX called me and said your account is in collection and you owe this much but if you pay we will do a pay to delete. Being XXXX watching out for my father in law and not getting statements to know what's going on was for their favor. They harmed my credit. Never notated my account of payments made. When I came back to XXXX i saw that my account was not deleted as promised and when I called the lady was rude and she said oh XXXX left. I can't do anything for you. That's unfair. The ruined my credit, never notated my account that everything was paid. kept adding unfair fees and never deleted the harm of my credit report. I have faith in you guys and would really appreciate if you can help me with this matter. I spoke with Target and told them what had happened and they said call credit Bureaus and again credit bureaus say call Target. I'm really hurt and sick of this nasty game call so and so and call this and that. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: MS
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 : 1. XXXX XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2022-11-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the XXXX of XXXX, an individual contacted me saying that they needed XXXX dollars because they were unable care for their dog. They said they would pay back {$320.00} on the XXXX. After I sent this payment, she was very uncommunicative. On the day that she was supposed to repay me, she blocked me on the social media that I was using to talk to her and I am unable to communicate in order to get my money back. As it stands, she stole my money and had no means to ever pay me back. I filed a claim through XXXX, however, they said that the transaction in question didnt count as a service that they can refund me for. They told me to contact my bank and file a claim for the transaction. After filing a claim a few days ago, I wanted to check the status of it today, but when I called my bank ( Wells Fargo ) they notified me that the claim has been denied since the transaction was authorized on my part and they would be unable to help since it was a service. Im worried that I wont be reimbursed for this, since the money in question came from my savings. The screenshots in question show the chats I had with her, and the proof that I tried to dispute a transaction with XXXXWells Fargo 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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.

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 2022-11-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I paid off my account which had grown to 100 % usage. It took several hours over several days to access my account online, and now they're not reporting to the credit bureaus. This is hampering my getting a mortgage in three ways : total debt, credit usage, and resilience index scores. 

I emailed customer service and was told that they had a system upgrade in XXXX and we're not yet ready to update reporting. It is almost XXXX. I have registered complaints through XXXX of the credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief