BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
my check ( XXXX XXXX ) was intercepted with a payee change to an unknown person. Bank of America called me to ask if it was valid because they questioned the check, but it was still cashed after i told them it was not correct. I do not have a BOA account at this time now they will not refund my money after 90 days. the amount is {$6300.00}

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: General Motors Financial Company, Inc.
State: NH
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:
GM Financial XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, GM Financial, 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.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Kriya Capital, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've spoken to Credence several times about my financial situation yet they continue to contact me daily from several different numbers ( XXXX. ) On XX/XX/XXXX I was in contact with them stating I wouldn't be able to pay until XXXX. Several times they'd stated if I didn't pay they'd go ahead and harm my credit. Along with this they also continued to call after making an agreement that I'd pay the full balance in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 initially sent a series of letters to the credit reporting agencies over the last few months. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

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 2023-05-08
Company: PNC Bank N.A.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
PNC Bank OWES Me. 
CFPB Complaint # 's XXXX and XXXX and now this 3rd Complain on PNC.

# 1-PNC Allowed Fraud on both my accounts, checking and credit.

# 2-PNC did not honor A Stop payment I asked them to Not Pay.

# 3-PNC Did Not Honor All the Disputes I Had to File Because of the Fraud.

# 4-PNC Says It did Nothing wrong and expects Me to Pay Back {$2000.00} Plus, more dollars to satisfy recoveries. With all the fees, all the disputes, the {$700.00} stop payment. The balance would put money back into my new bank account.

And that's why I am now filing this third complaint against PNC bank. Because PNC Recoveries just called me asking for {$2200.00}.

The CFPB did not seem to help me with the case, because of the resolution. Because PNC bank was not held responsible for their errors in banking. Errors in allowing Fraud and errors in not honoring banking processes.

From The 1st complaint to the 5th complaint there has been zero dollars returned.

Complaint # 's 1 & 2 & 5 are complaints against financial institutions.

All 3 closed with nothing done wrong or true complaint and zero returned to me.

Complaint # 3 against the XXXX XXXX XXXX XXXX. 
Closed with nothing returned to me. Call Them Yourself Sir. 
Complaint # 4 against XXXX XXXX XXXXXXXX. 
Closed for me and without my knowledge. 

So, this complaint is against PNC. 
Not The CFPB. I was only reporting what has happened with my complaints at the CFPB. 
I hope that the CFPB Stops PNC bank from asking me for money and or collecting any more money from me and anyone else. Because of the banks own negligence. 
I hope that this CFPB process keeps improving and turns into a benefit for me. 
Thank You CFPB. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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:
This complaint is my follow-up process to make sure the disputed items that I've complained about in my previous complaint be removed immediately. Please remove the following items in my file for I believe heya are fraudulent : 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 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 2022-03-03
Company: EQUIFAX, INC.
State: PA
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 submitted an identity theft report to Equifax # XXXX. I have been incarcerated for 15 years, and have no knowledge of the fraudulent accounts on my credit file. I will attach proof of my incarceration. An extended fraud alert was placed on my credit file but the fraudulent accounts remain on my credit file. This is a direct violation of my rights as a consumer under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX updated on XX/XX/XXXX I don't recognize the accounts in question. I have no outstanding balance with any company or creditors and didn't sign or authorize any accounts with this company. I'm a victim of identity theft and have been since XX/XX/XXXX. Police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2023 I attempted to make a purchase using my Bank Of America debit card. Unfortunately it was declined. Which was odd because I know I had more than enough to make the purchase within my account. I called the bank to see what was going on. I was instructed to go to my nearest banking location with proof of my identity. I do so. Once there I was told the department that place the freeze was not open on the weekends and that I needed to call them Monday morning XX/XX/2023. To which I did. After spending more than two hours on the phone with the fraud department. They told me that did not have any reason on why my account was in review and why my account was frozen. I would have to wait until they are done with the review. I asked what are you reviewing and I was told they don't have any information outside of its in review and there is nothing I needed to do outside of just waiting which could take up to 30 days. I opened my new account online and I had to fund the account in person. The check was drawn from Merrill Lynch which is Bank Of America with whom I have my checking account. I cashed the check once it was verified and pulled out cash and left the remainder of my deposit in my account. No one communicated with me from Bank of America by way of email, call nor text message to let me know what was going on. They placed the account in review on the XXXX of XXXX with no communication to me at all. I have bills I must pay and they tell me that they are not responsible for my bills that can't get paid while my account is in review. I don't understand how they can just take my money with no explanation what so ever. There is no fraud on my account. There are not suspicious transaction on my account. I have not sent nor received any deposit from over seas or any foreign countries. My husband and I went in to our local branch today Monday XX/XX/2023 to speak with a representative to see if they could provide any additional information. She made calls and was told the very same thing we were told. The branch manager got involved and was unsuccessful in getting any other information as to why. She told us she had never seen this happen before because it was a cash deposit. This is very dangerous that a bank can just take your money and not give you a reason on why they did so. They did violate their own disclosure agreement. It states they have the right to place any account in a review status at any time however, they must disclose to the owner of that account why this action has happened. In which they refuse to do so. Can someone please help with this problem? After this we really don't trust the banks anymore.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Fraudulent accounts on my credit

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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, account number 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 2017-01-28
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To Whom It May Concern : This letter is in response to the letter I received from you on XX/XX/2017 a copy of which is attached herein. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is hereby disputed and validation is requested. Please provide me with the following showing that I have a legal obligation to pay you : 1. Identity of the original creditor 2. An explanation of how the balance of the alleged debt was calculated XXXX. A copy of any agreement between you and the original creditor showing you are legally entitled to collect monies on this account 4. A verification or copy of any judgment, if applicable 5. Proof that the Statute of Limitations has not expired on this account 6. Proof that you are licensed to collect in my state Failure to comply fully and completely with the above validation requests before continuing collection attempts, or reporting this account to any consumer reporting agency, is a violation of Federal law and will result in complaints being filed with the Federal Trade Commission, my state Attorney General 's office and your state Attorney General 's office. Civil and criminal claims may also be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: S.B.S. Trust Deed Network
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am contesting an alleged debt that was collected and untimely and negligently processed by SBS Lien Services on behalf of the HOA, XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. SBS Lien Services sent 2 ( two ) NSF checks to XXXX XXXX and XXXX XXXX Eventually, SBS Lien Services wired {$50000.00} ( HS # XXXX ) to XXXX XXXX There seems to be a complete disconnect between what has been posted on my HOA ledger account and what SBS Lien Services stated in their last communication to me on XX/XX/XXXX. 

MOST IMPORTANT DATES, AMOUNTS, and COMMUNICATIONS XXXX - I have paid, under protest, an alleged debt to my condo HOA, XXXX XXXX XXXX XXXX, using the HOAs hired debt collection agency, SBS Lien Services. I wired {$52000.00} to prevent the foreclosure of my condo. The wire was never returned to my bank. 

XXXX Received SBS Lien Services email acknowledging payment through XX/XX/XXXX. Lien on my property was removed days later. 

XXXX XXXX XXXX XXXX XXXX XXXX posted a {$50000.00} NSF check from SBS Lien Services on my ledger account and a NSF check fee. 

XXXX XXXX XXXX last day of services. XXXX XXXX transferred the HOA accounts to XXXX XXXX My transferred balance was {$37000.00}. 

XXXX XXXX day of new management company, XXXX XXXX 

XXXX XXXX 60-day late-fees grace period. 

XXXX XXXX XXXX XXXX legal fees '' of {$17000.00} to my HOA ledger account. How did XXXX know this amount was going to be for legal fees? 

XXXX XXXX posted a {$50000.00} NSF check XXXX # XXXX ) to my ledger account, along with an NSF check fee. 

XXXX XXXX finally posted a WIRE transfer ( HS # XXXX ) for {$50000.00} to my account. What information did SBS Lien not received from the HOA, which cause a delay in the timely disbursement of funds? 

XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX in Texas, requesting payment of a balance of {$55000.00}. The letter was sent via regular US mail. 

XXXX & XX/XX/XXXX I sent a certified mail to the HOA Board and XXXX XXXX requesting that they investigate the letter dated XX/XX/XXXX. I also sent a follow-up email regarding the certified letter. 

XXXX I called SBS Lien Services to request information about my account with them. XXXX XXXX advised me to send the specific requests via email, which I did on XX/XX/XXXX and follow up XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX from SBS Lien Services sent a brief response via email but failed to provide the requested information or answer my questions. She carbon-copied the president of the HOA Board on his business/personal email ( XXXX ) instead of using the HOA Board email ( XXXX ) or including the other Board members. It is inconceivable to think that SBS Lien Services had my money for over five months sitting in their bank without informing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I asked KeyBank to move a {$50.00} payment that was being held to a principle payment. The wrote me a letter saying they did it. 

In XX/XX/XXXX ( just this year ) they sent me a statement showing they did NOT honor my request and the {$50.00} still shows as held on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act ( The Accounts Listed Below ) has violated my rights. ( Just To Name A Few Violations ) 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S.C 1681 section 602 A : States I have the right to PRIVACY.

15 U.S.C 1681 section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

18 U.S.C 1028 ( d ) ( 12 ) It States ( Traffic ) To Transport, Transfer or otherwise dispose of to another as consideration for anything of value... 

( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with non-monetary relief