BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Case # XXXX Claim # XXXX A check in the amount of {$2000.00} was fraudulently cashed on XX/XX/ from my account ending in XXXX. I contacted BOA in XXXXXXXX After repeated calls they assigned me case number XXXX. On XXXX XXXX XXXX I was told that they were unable to locate any information under the above-mentioned case number. They repeatedly told me that they can not open a claim unless we can verify the signatures on the check. They finally sent us a copy of check at the end of XX/XX/, which did not bear signatures of the payee and was not deposited into payees bank account. Finally, they opened a claim on XX/XX/ and assigned me claim number XXXX. They then asked us to request an affidavit, which we did and returned the affidavit to BOA. 

On XX/XX/, BOA sent me a letter stating that they can not process the claim because the claim was filed more than a year after the unauthorized transaction, which is incorrect. 

On XX/XX/, BOA sent me another letter stating that they can not process the claim because the claim was filed more than 60 days after the unauthorized transaction, which is incorrect. Call logs show that I contacted BOA well within the 60-day time-frame. 

BOA has yet to process my claim and credit my account for {$2000.00}. I have been getting a run around and keep getting transferred to different units. I have talked to reps from their main customer service department, claims department, digital fraud department, check fraud department, and official items department. 

Calls to BOA under personal account XX/XX/ from BOA branch XX/XX/ XXXX min call. Requested stop payment on bill pay check as the payee had notified me that they had not received the check. Rep put in a request for image of the check to be sent to me. 
XX/XX/ multiple calls, transferred to several different departments XX/XX/ call transferred to bill pay department Calls to BOA under business account XXXX  Again requested image of check as I had yet to receive it Calls to BOA 's Fraud Department XXXX  Spoke with customer service rep. Case reopened. 
XXXX  - Spoke with customer service rep. Gave him the dates of telephone calls to BOA. He reopened the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX, XXXX, and Equifax concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX someone hacked my phone sim card and email address and was trying to reset my log in information with coinbase. I was able to catch this in time and block any transactions and changed my email and phone on the account. Coinbase suggested i immediately disable my account which I did. Till today I am trying to recover my account that has my own money and i have no response from coinbase at all. The initial tickets i submitted has a auto reply that it will be fixed in 4-5 business days. After couple weeks passed i lodged a compliant and the auto reply said i will hear back in 15 business days and if they can not resolve someone will contact me to ask for extension. That deadline has already passed and no response. I am very frustrated as my money is tied up in the account which i can not access. I hope you can help. This company is not helpful at all. I wonder how they can go public without any customer support. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03
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:
To begin i routinely transfer funds from my XXXX  banking account to Citi bank. XXXX  receives all my direct deposits from my employer because of the early direct deposits. I got paid on the XXXX the usual 2 day before payday on the XXXX. 

- On the XXXX I initiated a {$1000.00} transfer from XXXX  to my citi savings account. Because it was a holiday the amount did not appear on the " on deposit " tab it still remained the current balance. So i tried to initiate a transfer with my checking to see if the " on deposit " amount will be added and nothing showed up. I assumed because it was a holiday it wont appear that day. That Wednesday i thought to check in and see what's the status because I received a 2 notification that 2 transfers were initiated. The first on went through to my citi bank savings and the savings account showed the on deposit amount {$1000.00} higher than the available balance which is usually what happens then after I wait a couple days and the full amount will be available. Unfortunately .I forgot i did the saame thing with my checkin and that day my balance was a negative {$970.00}. That second notification from XXXX  was an alert that the transfer was declined as i usually only put whatever amount i want to transfer from that pay period. I was unsure on how to cancel an initiated transfer so I thought nothing of it and it resulted in this. 

- This morning on XX/XX/02 I woke up to an email that my account will be closed in the next 60days saying " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX Account account, we found that you have violated the terms of your account per the client manual. '' I was on the phone with different people for 4 hrs. all telling me the same thing no real information and that its in investigation and once its closed they will mail a check within 60days -.I then found an number for their executive response team and opened up a case with them but no real answers today. They just said they ; ; have a response within 15 calendar days. 

- I don't know what to do. All of my money over XXXX is in my Citi savings with no access. I don't know what's going on and I don't have any real answers at the moment just being told to wait. I use this account to live my everyday life and pay bills i can not survive waiting i am extremely stressed and worried and would love any help on this.

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 2023-06-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX has been hired by Hyundai Capital America dba Kia Motors Finance to collect a debt of {$6600.00}. XXXX XXXX has repeatedly called me and my relatives regarding this debt. I have expressed that I would like to communicate via mail and have continued to receive calls from XXXX XXXX. 

XXXX XXXX and XXXX XXXX do not currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

All communications should be made out to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL 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 2018-05-03
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This case started in XX/XX/XXXX when I received a bill from GM Financial ( Acct # XXXX ) stating that I owe a Miscellaneous Receivable of {$90.00}. After calling GM Financial and asked for explanation, I received a copy of a collection bill from XXXX XXXX XXXX, XXXX from GM Financial ( Exhibit A ). After receiving numerous bills for the {$90.00}, I sent a letter to GM Financial ( Exhibit B ) dated XX/XX/XXXX requesting validation per Fair Debt Collections Practice Act. GM Financial continued to ignore my request by sending more bills in request of payment of the {$90.00}. To avoid any negative marks on my credit report, I paid it. Now it is XX/XX/XXXX, and GM Financials process has started again. In XX/XX/XXXX, after a phone call asking for verification of a {$230.00} Miscellaneous Receivable bill, I received a package from GM Financial of three statements from XXXX XXXX XXXX, XXXX totaling the {$230.00} ( Exhibit C ). On XX/XX/XXXX, I mailed a Certified Letter to GM Financial asking for validation of their validation process ( Exhibit D ) in relation to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. As a result, I received a regular bill dated XX/XX/XXXX stating a Miscellaneous Non-Taxable bill stating the same {$230.00} and no explanation to certified letter sent ( Exhibit E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently checked my credit reports with XXXX, XXXX, and Transunion and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on Trans Union : XXXX TransUnion Account # : XXXX Duplicated twice on credit report XXXX TransUnion Account # : XXXX Duplicated twice on credit report I have recently checked my credit reports with XXXX and have found an account without an original creditor is listed. I am not aware of the allege debt and this reporting ' is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on XXXX : XXXX Acct : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor did I authorize these companies to pull my credit. There are names on my credit profile in which I do not recognize.

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 2023-06-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The response from the bank did not address the missing amount of XXXX XXXX in my account that is owed to me via a check or ACH payment. 
So am providing an address that is not in their system to receive my check via USPS delivery Should they have problem releasing my funds to me. 
I authorize them to return all funds to the sender. 

At this time they are accountable for the specific amount Plz I need a full explanation to my email address from the bank, which I did not received. 
About the amount since the account was locked. I was told that no funds could leave the account 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 2020-04-09
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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was not behind on any prior Pymt before, Forbearance months of XXXX, XXXX and XXXX total of {$1300.00}. In XX/XX/XXXX received a call for Suntrust on Pymt. Paid {$440.00} on XXXX XXXX XXXX paid {$890.00}. Paid XX/XX/XXXX th of {$440.00}. Received my annual esrow statement shortage of {$590.00} on XX/XX/XXXX. Per statement I had to opinion 1 ) {$48.00} for 12 months added to new Pymt on XX/XX/XXXX of {$540.00}. or 2 ) pay {$590.00}. 
I have live in this house for 25 years my esrow has can short more time and my mortgage has changed. I paid XXXX {$440.00} and XXXX {$540.00} have the statement showing mortgage change because Esrow .After I paid the {$1300.00} XXXX Suntrust keeps saying I behind on my mortgage will not post any my Pymt to my account. I have called them 7 times but no one can not explained why and per the represent its noticed on my account to return my Pymt if dont bring my account up. I have log in Suntrust see where they post my Pymt then reverse puts its in XXXX applied funds. I printed out list mortgage Pymt from XX/XX/XXXX through XX/XX/XXXX its showing all my payments and I was never behind of payment. I have a copy of my statement from XX/XX/XXXXthrough XX/XX/XXXX. 
And they fees and charges me {$10.00} when I file forbearance from someone to go out inspection my house. 
This has been nightmare. I know its more Suntrust customer are going the same things.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MI
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:
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 : # XXXX, XXXX XXXXXXXX : # 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 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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I keep unenrolling from electronic statements ; however, their systems reenroll me in electronic statements. I've contacted customer service for the card multiple times. I really want to use ebill through my bank and to do that I can't use estatements.

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 2019-06-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Bank Account with HSBC on XX/XX/2019 with {$10000.00} ending in XXXX. 

The had a promotion that keep {$10000.00} in account for 90 days and receive {$350.00} Bonus. now it has been 126 days since I opened the account and still haven't got {$350.00} bonus in the Account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error and unauthorized. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: DC
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:
Can transactions be reported on Credit Report? 





XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

All Late Payments, All Collections, and All Inquiries. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( 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