BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complaint Details I used XXXX Saturday XX/XX/2022 to transfer money ( {$1000.00} ) from my personal account at XXXX XXXX  ( my place of employment ) to another personal account at Bank of America. The money left XXXX XXXX  made it to Bank of America, and reflected in my account within seconds. Later that day, I checked my account and the money was gone. I immediately reached out to Bank 0f America to inquire about the funds and was told they do not have the money and that XXXX has it and I need to talk to XXXX. I spoke to XXXX and was told to reach out to my banks, they only service the transport of funds and do not hold them. I called XXXX, which is my place of employment and they provided proof showing the money transfer was completed and delivered. I was told by Bank of America I called Bank of America back, spoke to XXXX and got a different story. I was told the money is being held due to fraud ( Not sure why ). I was also told on Saturday XX/XX/XXXX, XXXX will take 5 business days for my money to post to my account. I told them I can provide proof of who I am. I just need my money. I called everyday the week of the XXXX  and still they are holding my funds. After visiting the banking center trying to get my funds deposited into my account I chatted with a representative from Bank of America who said the money will be deposited midnight XX/XX/XXXX. Today is XX/XX/XXXX, still no deposit. I am begging you to please help ke. I am a widow and only work 20 hours a week to survive in addition to my social security income. {$1000.00} is a lot and I need my money to pay my bills. Please help me. I would truly appreciate it. Thank you in advance. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
On XX/XX/2022 I submitted a CFPB complaint against Experian regarding the below account : XXXX Acct # XXXX Upon review of the account, Experian confirmed that all information had been verified with the furnisher. There are multiple inaccuracies on the account verified by Experian. Experian and XXXX are reporting different information in multiple areas on this report. Attached you will find those inaccuracies. 
Furthermore, I was not provided any signed documentation or other proof that this account belongs to me, as requested. 
THIS COMPANY IS IN VIOLATION

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: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act ( XXXX  Account number XXXX ) XXXX XXXX XXXX  XXXX Account number XXXX ), ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry XXXX XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ), ( XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/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 2019-02-16
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:
Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: IN
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 have been disputing inaccurate information with Experian, XXXX and XXXX over the past few months. I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX. XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor

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: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # 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 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 2022-04-23
Company: Experian Information Solutions Inc.
State: MO
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 U.S.C 1681. 

XXXX XXXX- account # XXXX Has violated my rights XXXX XXXX- account # XXXX has violated my rights XXXX -account XXXX XXXX has violated my rights XXXX XXXX- account 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 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

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: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has harassed me multiple times trying to press charges and take legal action the charges on my credit are incorrect my name is XXXX XXXX they saying XXXX XXXX they went against the credit act and they threating me Im honestly scared and want to get a lawyer theyre scaring me for something I didnt do 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

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: CMRE Financial Services, 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: Account status incorrect

Complaint:
I had XXXX different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( CMRE Financial Services ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX. 

I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ). 

I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed. 
2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
I am submitting this complaint regarding the fraudulent information being reported on my file. I am a victim of Identity Theft and I have reported the Theft of my Identity to the FTC and attached a copy of FTC 's ID THEFT REPORT. It has been drawn out into the open that Transunion is 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 things 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. The account listed below is resulted from the Identity Theft and must be eliminated from my file : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
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 submitting this complaint regarding the fraudulent information being reported on my file. I am a victim of Identity Theft and I have reported the Theft of my Identity to the FTC and attached a copy of FTC 's ID THEFT REPORT. It has been drawn out into the open that Equifax is 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 things 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. The account listed below is resulted from the Identity Theft and must be eliminated from my file : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo has closed two of my accounts without my knowledge I have banked with their company for over 20 years and they have failed to comply and inform me of my account status and communicate with me to discuss my banking relationship and dangers of me being at risk of losing my account. XX/XX/2022 I received a direct deposit to my account which had been overdrawn for about 60 days, which covered most of the funds owed to Wells Fargo leaving a balance of {$17.00}, on XX/XX/2022 I had another direct deposit of {$960.00} that Wells Fargo rejected and closed my account the same day, they did not inform me of the closing of my account, I have written checks to pay bills because I knew the funds were going to be available XX/XX/2022 my tax check to be exact, I waited all day Friday checked my online account and it still showed the negative balance of {$17.00} get up Monday XXXX XXXX check my account I can't log in so I call and that's when the rep informs me the account has been closed, I don't understand how they can do this and not inform me now my bills are going to be delinquent and lights are going to be turned off tomorrow, they rejected my direct deposit on XXXX XXXX and closed the account the same day to tell me to was because the account had been overdrawn 55 days in which a direct deposit had been made XX/XX/2022. XXXX a single mother struggling everyday to make in this world and for Wells Fargo to just not think about my situation and stop my money and take theirs is inhuman and wrong, this is going to cost me more than I can afford and lose my place because my rent check was one of items that's going to be returned and im going to look like im writing fraudulent checks on a closed account which can cause me to go to jail, all because I was not informed at all about the account being closed until I called to inquire about not being able to log in online please help me please im a risk of losing everything I have for this one small inconsiderate move on behalf of Wells Fargo .Thank you for your time. Be Blessed

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: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: NC
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:
Im accordance with the Fair credit reporting act 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 an account without my written instructions. 

Im accordance with the Fair credit reporting act 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 an account without my written instructions. 

Im accordance with the Fair credit reporting act has XXXX XXXX XXXX XXXX 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. 

Im accordance with the Fair credit reporting act 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 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 explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
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 ITEMS. 
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 XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX  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 non-monetary relief