BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Re : Uncorrected Void Transaction on Bank of America Prepaid Card I am writing to you today as, a recipient of California State XXXX benefits who utilizes a Bank of America prepaid card for my financial needs. I am writing to express my deepest concern regarding a recent voided transaction on my card and the subsequent, unacceptable failure to credit the funds back to my account. 

On XX/XX/2024, XXXX transactions of {$50.00} occurred on my card issued by Bank of America. However, this transaction was subsequently voided by Colorado Secretary of State, a government agency. Despite this, the funds have not been returned to my account, leaving me in a precarious financial situation with limited access to the essential resources my XXXX benefits provide. 

This delay in rectifying the error constitutes a violation of several state and federal regulations, including : * **California Civil Code 1749.45**, which states that prepaid cards must be credited with voided transactions within 48 hours. 
* **Regulation E of the Electronic Funds Transfer Act**, which guarantees consumers the right to dispute unauthorized transactions and have the disputed funds credited back to their account within 10 business days.

* **The Consumer Financial Protection Bureau 's Electronic Fund Transfer ( EFT ) Rule**, which reiterates the requirements for prompt crediting of voided transactions and emphasizes the vulnerability of XXXX recipients relying on electronic benefits transfers. 

Furthermore, Bank of America 's inaction has caused immense hardship for me as I am out of town in Colorado. As a recipient of XXXX benefits, every dollar is vital for securing her basic necessities and maintaining my well-being. This uncorrected error has left me facing : * **Financial distress : ** The missing funds create a significant burden on my limited budget, jeopardizing my ability to afford essential expenses like food, medication, and transportation. 
* **Emotional distress : ** The uncertainty and stress surrounding this issue, particularly for someone dependent on these benefits, can significantly impact my XXXX and emotional well-being. 
* **Loss of trust : ** This episode erodes my client 's trust in Bank of America as a reliable financial provider and leaves her questioning the security and effectiveness of the prepaid card system for XXXX recipients.

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 2024-01-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
When BMO bought by bank, Bank of the West, my loan was in default. Because it was in default, the HELOC was never put into my online banking profile ( this was confirmed by HELOC servicing personnel ). I was told that when my loan was current it would display. I confirmed today when I called BMO that my loan is current. However I still do not have access to it in online banking.

While this may seem trivial, it is not. When I call in to get service for my loan, I am bombarded by a litany of questions about my loan. Today, XX/XX/XXXX, I was asked what my current interest rate is. I have my statement dated XX/XX/23 that says it is 10.0000 % but apparently between this statement and my call the rate has changed. I told the representative that I had only received my XXXX statement so she suggested I look up the information online. But obviously I can't do that ( see above ). 

Since I could not look up the information online, she could not further help me with the call because I did not pass all of the security questions. This includes not being able to transfer me to a supervisor. 

At this point I am unable to manage my loan. I do not have online access and representatives at BMO will refuse to help me. 

This is no way to treat a customer who is trying to service their loan.

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 2024-01-02
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a business checking account with Truist bank in XX/XX/. I opened the account here because of the current promotions that the company was offering. If I opened a business checking account and deposited {$1500.00} within the first 60 days I qualified for a {$400.00} promotional credit. Additionally, if I got approved for a business credit card within 60 days I qualified for an additional {$300.00} promotional credit. I opened my account in a physical branch with the branch manager, XXXX XXXX. She validated the current promotions being offered and I was approved for $ XXXX line of business credit while I was in the branch on the day of opening the account. For some reason ( that was never shared with me ), a month later in XXXX I received correspondence that my credit application was denied? I'm not sure why, I contacted XXXX, and she was supposed to handle that for me as she was confused on the rescinded offer as well. 
Not only did I not receive the {$300.00} promotional credit for the credit approval I also have not received the {$400.00} for depositing {$1500.00} within 60 days ( which I did my transferring my business earnings from my personal checking to my business account which XXXX assured me was acceptable. ) This situation has been ongoing for 7 months now with no resolve or clear communication as to what is going on and why. I even contacted corporate and they also had no resolve. This is completely unacceptable.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
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 provide a summary of the issues I have encountered with Experian, as requested. For privacy reasons, I have excluded personal information such as my name, account number, address, and Social Security number. 

On XX/XX/2023, I engaged in a conversation with XXXX representatives from Experian XXXX identified as a manager and the other as an agent in the fraud department. During this discussion, I raised concerns about the verification process of the information on my credit report. The agents were unable to provide details on how the data was verified and asserted that Experian is not obligated to furnish such information. This lack of transparency has led to allegations of negligence and noncompliance. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to maintain accurate and verifiable information. Despite my request, Experian has failed to provide any documentation, such as a consumer contract with my signature, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The conversation on XX/XX/2023, left me with the impression that Experian may be intentionally reporting inaccurate information on my credit report, a clear violation of my right to fair credit reporting. 

As outlined in my previous letter, I have informed Experian of my intent to pursue legal action under FCRA provisions, seeking relief and monetary damages. In this correspondence, I am demanding the immediate removal of specific accounts from my credit report due to continued violations of the FCRA. 

The listed accounts include billing errors and inaccuracies that have significantly damaged my credit score. I have attached a copy of the letter sent to Experian, outlining the reasons for these demands. I have also notified Experian of my intent to file a formal complaint with the Federal Trade Commission and use the provided information as evidence in pending litigation. 

I am reaching out to you to bring this matter to your attention and to request your assistance in ensuring a thorough and expedited resolution. The situation is of utmost importance to me, and I am prepared to take further legal action if necessary.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing a copy of my consumer report, it has become evident that your company, as a consumer reporting agency, and the alleged " creditor '' have unlawfully provided my information without my written consent, as required by 15 USC 1681B of the FCRA. It is crucial to emphasize that I do not consent to the unauthorized furnishing of any of my information by any means, pursuant to my rights under the FCRA. 

Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as per the provisions of 15 USC 1692a ( 2 ) of the FDCPA, it is clear that the transmission of information regarding a debt, directly or indirectly, through any medium constitutes a " Communication. '' The term " any medium '' encompasses various forms of communication, including oral, written, electronic, and more. Thus, the furnishing of my consumer report, which contains information regarding the alleged debt, would fall under the definition of " Communication '' under the FDCPA. 
In accordance with my rights under 15 USC 1692c ( c ) of the FDCPA, I am hereby providing you with formal notice to immediately cease any further communication concerning this account. This includes, but is not limited to, telephone calls, emails, social media interactions, or any contact made through a Consumer Reporting Agency. 
Please be advised that any further contact or communication from your agent or company, except for a communication acknowledging receipt of this letter, will be considered a violation of the FDCPA. Please take this notice seriously, as I intend to enforce my rights under the law. 
By disregarding this cease-and-desist notice, you leave me with no choice but to initiate legal action against your company. Any ensuing legal action will seek the appropriate remedies and potential damages available under the FCRA and the FDCPA. 
I kindly request your prompt attention to this matter, and I trust that you will comply with this cease-and-desist notice without the need for further legal intervention. Please acknowledge receipt of this letter in writing to confirm your understanding and commitment to comply with the provided instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
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. 

Account XXXX : XXXX XXXX  Account 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 explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
IMPROPER REPORTING

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 2024-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
Today, Friday, XX/XX/year> at XXXX XXXX, I received a message from Banco de Amrica, arguing that I owe a debt on their company. I currently do not have an ID, I am in the process of being granted asylum before immigration. Subsequently, I went to the agency to report the fraud of the message. Then to the police agency in XXXX, he told me to only block the number that the fraud attempt is feasible. I attach the message sent to my cell phone. 
I attach the message sent to my cell phone : CA EDD ACH created a group in XXXX XXXX with you and 10 other participants. Reply to chat or # help for tool tips. 

Adding this contact card to your contacts will help you identify the group profile. 
D :, XXXX XXXX.. eddpreactiveprocessing.glitch.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 2024-01-26
Company: HGREG.com
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
PLEASE SEE ATTACHED. 

THIS IS DOCUMENTED EVIDENCE TO BE USED IN LEGAL PROCEEDINGS. 

THE AUDIO WAS RECORDED IN A PUBLIC ENVIRONMENT, THUS LEGAL. 

THIS IS THE 3RD ATTEMPT TO RESOLVE THIS MATTER.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I previously reached out on XX/XX/XXXX with a minor inquiry on the payment process and ease of making payments with them as they stripped the app and made it more difficult to access your account right after acquiring Great Lakes. I never received a response to this email still 2 months later. I reached out to them again as I logged in to my account to set up my XXXX payment and found out that my XXXX payment was declined and my account was past due. I've never missed student loan payments until having to deal with Nelnet. I reached out and asked for information as to why my payment was declined as they provided no information as to what was wrong with the payment method. Nothing showed as a transaction with my financial institution indicating a payment was even attempted by Nelnet. I have yet to receive a response other than automated reply they are very busy and apologize for the delay. How far behind are you that my email from 2 months ago still hasn't been responded to? I'm hoping the next payment goes through because otherwise I don't know how else I'm going to pay this loan back. My account is already past due and Nelnet is unresponsive to offer any assistance in what is going on. I can't fix what I don't know is wrong with the payment method and haven't had issues with this in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I got an email on XX/XX/scrub>XX/XX/24 saying I applied for a JetBlue credit card and that I was approved. I got another email saying the will send me my card in the mail, and the last email I got was saying thank you for going paperless. I never applied for a JetBlue credit card.

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 2024-01-03
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report. I seen an unauthorized debt/collections of {$1200.00}. Reached out to ALLIED COLLECTION SERV to dispute. I let them know the debt didn't belong to me and ask for it to be remove. I've sent the dispute to creditor and bureau. The result came back verified. I filed a report with XXXX XXXX XXXX with case number XXXX because I am a victim of identity theft.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: IN
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX Date of Inquiry 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 explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have 4 hard inquiries on my Transunion report that are not showing on my other 2 reports from XXXX  nor XXXX. I have identified the inquiries below and request that transunion remove them. They are not mine. 

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 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a small business loan to open a line of credit for my small business. I was declined because of my personal credit and its for my small business not me. I cant run my company at 100 % without funding. 12 usc 1431 are required by law to fund small business with XXXX with out documentation. I had to show funds and run personal credit. I feel like my equal credit opportunity and consumer credit protection was violated by doing so. I just want funding for my small business. Everyone I talk to did have an answer and they just bounce me around the phone. I have my LLC and ein information what else do I need to get funding for my small business.

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