BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I found out that there was a withdrawal of {$2000.00} from one my Bank of America account that wasnt approved by me either my girlfriend. I quickly called the bank to ask hows that money came out of my account they werent able to tell me if it was a check or depit card withdrawal. They decided to file a check claim fraud. On XX/XX/XXXX the funded my account with a {$2000.00} temporary credit. And on XX/XX/XXXX they decided to get {$2000.00} back from my account stating that I approved the {$2000.00} check fraud to be withdrawn from my bank account. Thats not true, they cant even provide me any details about the claim process. Please help me!

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 2021-09-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My PPP LOAN was deposited into the account on XX/XX/21 they closed on XX/XX/21 My money has been missing for quite some time now so I finally reached out to USAA and they filed a dispute to find out where the funds went. They responded today saying that {$6100.00} was deposited and those funds were applied to an outstanding balance and the remainder sent by check however I had no outstanding balance whatsoever and Ive never received a check for any amount from USAA. Theyre telling me to reach out to the lender which Ive done XXXX times which is why I reached out to the bank because all my lender knows is that it was funded and with this new information it in fact was funded just not to me! Im asking that they immediately return those funds!! Also my account was closed with zero warning for no reason they claimed its as because no recent deposits and claimed they sent a warning guy they never did that either I would like that investigated as well. Ive had so many issues with this bank including fraud which Ive never gotten my money back from which is why I stopped making deposits into that account in the first place. Now this! I have attached proof that my account was closed with no balance and that those funds were deposited yet Ive never received them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
my vanilla gift card was hacked on XX/XX/22 for {$190.00}., I filed a complaint with them on XX/XX/22 and recieved case # XXXX. I submitted the form they requested and have a email confirmation from XX/XX/22. I was told this would take 90 days to resolve but when I call they have no information for me and today I was told I was emailed about this claim on XX/XX/22 and I have no email was recieved. they also state the case is still being worked on but have no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy 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 2022-05-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
We used a local mortgage company to pre-qualify for our home. Experian apparently shared our information with various lenders. I have been receiving non-stop, unsolicited calls for the last two days. I also received the following text. " Hi this is XXXX from XXXX XXXX wholesale division. I know I caught you at a bad time. Experian contacted us letting us know that your credit score is XXXX and you qualify for wholesale pricing on the mortgage. I can send you numbers here and will not bother you during the work day. Let me know if you were looking to take cash out or purchase a new home. Thank you. '' I did not authorize Experian to share my information with anybody. What I do should not be made publicly available or sold to any third parties. This is ridiculous. 

I tried calling Experian. Their IVR would not put me through to a person to enable me to resolve it directly with them.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hello this is a formal complaint to request all credit reporting agencies including XXXX, Transunion, and XXXX to stop reporting invalid information in my name. Listed account information XXXX XXXX XXXX # XXXX, XXXX # XXXX, CHAPTER XXXX BANKRUPTCY # XXXX, that are in no way mine. There is a public record for Chapter XXXX Bankruptcy on my report and I DO NOT file for bankruptcy. That is false and misleading and has stopped me from getting a approved for a home and much more. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2022-12-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}.

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 2022-02-04
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
Identity Theft. 
Applying for credit card or accounts, Im in aware of. 
Actions that were taken was not me. 
Hard Inquiries from numerous amount of banks. 
My credit score tremendously has went down. It needs to be disputed please. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -BARCLAYS BANK DELAWARE XXXX XXXXXXXX XXXX XXXX ( IDENTITY THEFT ) please fix!!

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 2020-10-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX. I work as a XXXX XXXX XXXX XXXX for XXXX XXXX. BMO Harris keeps calling my work landline for debt collection. I have no account or debt with BMO Harris. They are calling my work number in error. I have asked many times over the past few weeks for them to stop calling this number. Every time I call a " manager '' says they'll remove me from their " List '', but after multiple weeks they still haven't resolved the issue and keep calling.

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 2023-10-25
Company: EQUIFAX, INC.
State: TX
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 am writing to address a concerning matter related to an account listed on my credit report, which has far exceeded the permissible reporting period of XXXX years. According to the FCRA, this account should have been removed from my credit report long ago. Furthermore, it has come to my attention that this account was paid in full following a settlement, and the company has neglected to send the required 1099-C form, which constitutes a violation of tax reporting regulations. I am compelled to demand the immediate removal of this account from my credit report due to these apparent FCRA violations. This matter has been raised with your organization through a letter sent XXXX months ago, yet it appears to have gone unanswered. I want to emphasize that each FCRA violation carries a potential fee of up to {$1000.00}, and I am fully prepared to seek legal action should this account not be removed within the next 30 days. Please see the attached dispute letter which is dated and time stamped. Remove the following account from my credit report XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called numerous of times over a year period regarding XXXX performance of the cell phone as well as billing issues. I filled out complaints with the XXXX in regards to the numerous of times of billing errors and poor call performance. After speaking with an executive team the contract was supposed to be terminated. After several months I received an email for the return of the device for {$140.00}. This was not the agreed upon resolution by the merchant so I tried to contact the representative again. At that time they had transferred the account to Convergent Outsourcing , Inc . I contacted Convergent to let them know this is not a debt and provided them with the email showing of the debt in question was {$140.00} and not {$570.00} as they had suggested. XXXX which I believe is owned by XXXX through a recent merger and Convergent has ignored all attempts to resolve the issue and has continually reported negative collection balance of {$520.00} on my credit report as recent as XX/XX/2022. Any help in resolving this issue would be greatly appreciated. I have copies of complaints with the XXXX, emails, and phone logs for your examination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX Transunions This company to include Transunion has reported that I have a repossession on my credit report. I have been trying to get a car for months!! and # XXXX. XXXX XXXX is a credit card builder company. they do not have auto loans. # 2 I've asked multiple times for this to be resolved and NO ONE WANTS TO RESPOND TO ME # 3 this has determented my life!!! I can not get a LOAN i can not get anything done!!!! THIS HAS DEFORMED MY CHARACTER! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TAKE THIS OFF NOW

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX/XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX  XXXX  XXXX Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/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 2021-02-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I own XXXX XXXX XXXX company. I also own my home with SPS ( Select portfolio servicing ) Loan # XXXX In XXXX my company received forbearance from my banks regarding my mortgages on its commercial properties. I in turn gave my tenants six months of rent free months in order to ease the burden on their businesses.

The only business that refused my Forbearance request was SPS or Select Portfolio servicing. 

I began the RMA ( Request for Mortgage assistance ) in XXXX. They still have not reviewed. 

I have furnished them with - Mortgage statements - Mortgage verification letters - Bank Statements - Bank statements showing no deposits - Bank statements showing renters deposits - Leases on all the rental properties I own. 

I told SPS that I could not make a payment for 6 months and after those 6 months I would start making payments again as soon as I received income again. After 6 months I continued making payments again for the last 3 months. 

Despite this SPS send me no less then 2-3 letters every month threatening foreclosure, saying my account is in default and that they need more info. Every month I call speak with them on the phone and they explain what they need I prepare it and send it in. Then they say it's not enough. 

This is starting to seem like a predatory scheme where threatening and scaring me are the main job of the business as opposed to creating a healthy business environment. 

I have attached all the documentation asked for by SPS - Leases and renewals of tenants in XXXX Arizona # XXXX # XXXX & XXXX XXXX XXXX. 
- Most recent bank statements where rent was received ( highlighted and noted ) - A letter signed by myself of lack of income verification - XXXX, XXXX and XXXX tax returns - Mortgage verification for XXXX Arizona # XXXX # XXXX & XXXX XXXX. st - Mortgage statements for XXXX Arizona # XXXX # XXXX & XXXX XXXX XXXX. 



Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fair Collection & Outsourcing, amount of XXXX. I have sent Fair Collection & Outsourcing a debt  validation and Fair Collection & Outsourcing has not responded. Fair Collection & Outsourcing also reported this to all 3 credit reporting agency with validated the claim. I also have no knowledge of this account and I also have no knowledge of the 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