BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
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:
Back on XX/XX/XXXX, I contacted Bank of America after I found that my account had been emptied. They opened a fraud claim in the amount of {$6300.00} as that is the amount they determined was unauthorized and it was denied on 3 different occasions when I tried to resubmit. When the claim was denied for a 3rd time, I contacted the claims office and got a supervisor on the phone who told me I needed to file each transaction individually. I was able to get 3 claims submitted out of over 60+ transactions that took place from XXXX. I was told to wait on the outcome of those claims before trying to submit any additional claims. 

Those 3 claims had all temporary credits made permanent as of XX/XX/XXXX. I contacted BOA on XX/XX/XXXX and explained the situation to a manager named XXXX. She sat on the phone with me for over 90 minutes and went through all of the transactions to get filed. She submitted the claim and we got off the phone, but her last comment was that the temporary credit should be applied quickly, and there should be no issue getting it after all this trouble. The total amount of the claim was {$7100.00}. 
We received temporary credit of {$300.00} that night and {$3900.00} the next day by noon. When I called to inquire about the rest of the money as those were not the amounts I was told. I was informed on Wednesday XX/XX/XXXX that the temporary credits on the other two claims were a " courtesy '' and there was no guarantee that they would be handled the same as these were submitted individually. One claim for {$300.00}, one for {$3900.00} and one for {$1800.00}. The problem was that there was {$1100.00} still missing that hadn't even been filed. 
After many calls in, I was told that the {$1100.00} in claims would need to be filed on one of the original claims that was filed incorrectly by BOA and that the research department would have to make the determination if it can be reopened. This to me was unacceptable. On 4 different occasions up to this point, BOA has messed up the filing each time. Had this been done correctly in the first place, we most likely would not be having any conversations. But the claim was escalated for review and temporary credit on XX/XX/XXXX and I was to have a response with in 2 business days, and as of right now at XXXX XXXX on XX/XX/XXXX, I have received the temporary credit for the {$1800.00} claim, but no response at all on the {$1100.00} claim.

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for several rental properties and was denied because of Transunions Rental Screening report. Transunion was reporting inaccurate information affecting my ability to find a home. I spent months trying to find a home and was constantly denied becasue they said my Transunion Rental Screening Report was reporting an eviction on my consumer report. Ive tried reaching out to Transunion and theyve denied me access to my rental screening report. I have been damaged by this trying to find a home but was constantly denied because of Transunions Rental Screening inaccurate reporting on my consumer file saying ive been evicted when ive never been evicted before.

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 2022-12-12
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Commercial Recovery Systems
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019 I was contacted by a supposed private courier that said that they had a certified letter that was to be delivered to me by Friday XX/XX/2019. If I needed to reschedule the delivery they advised me to call CRS XXXX XXXX and provided me with a case number. 

I called CRS XXXX XXXX and the person that answered claimed to be a paralegal and said that the case that was against me was from an old XXXX XXXX account that was overdrawn 10 years ago for about {$500.00} and that CRS XXXX XXXX  was sending a court summons for the amount of {$1500.00} but I was given the option of making a payment plan or paying a lower amount before XX/XX/2019.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
im a victim of identity theft my information was steal I made police report and I send it, all information about these collection is false plz block these inf from my credit report pursuant to section 605b of the fair credit report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I can not pay my mortgage for the month of XXXX and XXXX due to both myself and my wife have lost our jobs in New Jersey Covid19 pandemic. I called Selene Finance to ask for a deferral for 3 months until I can get back to work after the dates shutdown ends. They responded that they dont do deferrals only offered me a repayment plan which I could never afford to pay the regular payment of XXXXand additional XXXX per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
EXPERIAN IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT THAT IS NOT ACCURATE, THEY STATED THAT THEY RECEIVED THE INFORMATION FROM XXXX XXXX. I HAVE A STATEMENT FROM XXXX XXXX STATING THAT XXXX XXXX REMOVED THE BANKRUPTCY AND EXPERIAN NEEDS TO DO THE SAME.

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 2023-02-03
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a similar problem a couple years ago with PayPal/Synchrony where my payments would not go through even though I had the funds available and PayPal had my banking information. I was just informed by the Office of the President of Synchrony that PayPal has taken over all transactions, and that in XX/XX/2022 they disenrolled me from automatic payments for my XXXX. I have been paying my PayPal credit account via check since the first issues, but the XXXX payment was able to be paid via automatic payments. Now none of my bank accounts are available on the PayPal website and I am unable to add them. I have tried unsuccessfully on multiple occasions. When I call, they refuse to help me. This problem has been aggravating and detrimental to my credit. I have had the bank accounts linked to PayPal for at least 20 years without any problems until they became associated with Synchrony. Now Synchrony states they don't have the ability to link bank accounts to a credit card they fund and PayPal indicates they can't and won't help. I want all late funds reimbursed and payments due held without fees or delinquency until they have properly linked the bank accounts. I have spoken with PayPal and Synchrony on the following dates. XXXX XXXX and 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 monetary relief
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, at XXXXXXXX XXXX, I made a transfer of {$110.00} to a friend trough XXXX at Babk of America application. The money disappeared from my account and my friend never got money. When I click on the transaction it says it is pending review. When I click on this information it says bank of America placed a hold on this transaction and it is reviewing and I dont need to do anything now. Once they are done they will complete the transfer or get in touch with me. 
I called the bank and told them to cancel so I could get the money back they says they couldnt and I needed to wait. I asked XXXX XXXX they says they didnt know, I said well that I needed to pay my friend who bought tickets for XXXX XXXX XXXX XXXX. They kept saying the same recorded script. I want my money back or the transaction to be complete. Now. Bank of America can not HOLD your money.

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 2021-05-18
Company: Self Financial Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This is my complaint regarding XXXX XXXX Bank AKA XXXX XXXX Account number XXXX. I opened this account specifically in XXXX with my own money to better my credit since it's being reported to the three credit bureaus. My checking account was compromised With my bank by a scammer. Neither the bank or XXXX XXXX Bank AKA XXXX has notified me but the monthly {$25.00} were not received.I never received a notice in the mail that this account is not being paid. Because of the negligence of self.inc my credit report is being 90 days late reported As of XX/XX/XXXX. I am not even sure how many payments I made to This bank. They took my money and destroyed my credit and never notified me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-10-09
Company: Resurgent Capital Services L.P.
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, this creditor has violated my rights. Under 15 USC 1681 Section 602, states I have the right to privacy. Under 15 USC 1681 Section 604a Section 2 states that a consumer reporting can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account as late for any purpose.

I have asked that this derogatory error be corrected and removed from my credit file immediately. Failure to do so when show malice intent to continue to violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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:
I believe Equifax is not conducting reasonable investigations. They are reporting unfair and unverifed accounts on my credit report ; they did not provide me documentation how they verified the accuracy of these accounts and I have asked them to reinvestigate and they failed again to remove the accounts. 
These are unduly accounts. 
Account. XXXX XXXX XXXX and XXXX XXXX were not able to verify these accounts and they quickly removed them. I have provided the deletion documentation to equifax and they are still " verifying '' these unfair and unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX I called first process to see what they had not removed my XXXX XXXX payment from my account yet. The representative advise me that they had just updated the system to accept payments and that its a possibility my payment would not process until I went back in and added my routing number. I advise the first progress representative that on my end it does not show that the payment was declined or not processed. So not because of the system error on first progress end it shows on my credit report that my account is late and credit usage is high. I advise the representative that is I would of knew or been notified or could see it on first progress website that it didnt go through I would of found another way to pay it so that it was paid on time. I made that payment on XXXX the credit card company reports on XXXX. So if I could see that it wasnt processed on XX/XX/XXXX that still would have gave me 4 days to make the payment on time. I will attach screen shots where on their website it is showing that my payment is still showing pending on their site. It has no information saying it was declined or didnt process. While on the phone with the representative he told me to make the payment again which I did and send it a goodwill consideration letter explaining that the website is messed up and that my payment history should not show past due and the amount should be updated as it was out of my control. I didnt all this on XXXX XXXX I have attached copies below where it still shows my {$190.00} I paid on XXXX XXXX is still pending. So this is proof I had no idea it declined or did not process I have attached my payment history so you can see where it still does not show that the payment for {$190.00} declined or did not process nor does it show that I needed to update my routing number The attachment below also shows proof that while on the phone with the representative on XXXX XXXX I did go ahead a make another payment of {$220.00} and paid a extra {$10.00} fee so it could reflect immediately as the first progress representative advise I do in order to request a goodwill consideration This attachments are proof that I have done everything I was supposed to do but the ball was dropped on first progress website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For over 2.5 years I have been trying to get FedLoan to correct my payments for the PSLF program without any success. They payments have been incorrectly not counted after multiple attempts at resolution. Finally the counts were corrected, the issues is that I could have applied for PSLF in XXXX of XXXX, but the payment number was not corrected until late XXXX of XXXX. I received a payment count update in XXXX of XXXX which was missing around 17 months of payments. I then received another updated payment count in XXXX of XXXX, showing the correct number of payments after almost three years of regularly communicating with FedLoan and getting nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The problem is with Experian and that I do not remember my PIN, so I can not log in. I have called every phone number on their web site and can not get a human being. I even googled " how to get a human at Experian '' and tried all those phone numbers. I typed a letter and mailed it - No reply! 
I filed a complaint with the XXXX  and finally got a phone call from a XXXX XXXX XXXX, who left a voice message with a direct dial number. I called him back an hour later, on XX/XX/2020 and got his voice mail, and left a message. I did not receive a call back, so on XXXX I called again, and again got vmail and left a message. No call back. On XXXX the same thing, and today XXXX the same thing. 
All I need is for them to reset my PIN and tell me what it is, so I can log in. 
I don't understand how such a large credit bureau could not have a human being answer the phone or have some way to get to one. Not even and email address for customer service.

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 2023-03-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by XXXX and XXXX, while Experian reported it as a credit card account. Moreover, XXXX reported a {$0.00} monthly payment, while Experian and XXXX did not disclose it. XXXX and XXXX also reported a balance of {$0.00}, while Experian did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to Experian and XXXX. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, 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