BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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. 


1. XXXXXXXX XXXX Account Number : XXXX I have no knowledge of this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 2. XXXX Account Number : XXXX My credit report shows that this account is Legally paid in full and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 


3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX XXXX XXXXXXXX ). I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I requested documentation from the creditor and have not been provided proof. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with negative/chargeoff late payments that continues to hinder my credit profile. This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX XXXX XXXX Your assistance this pertinent is greatly appreciated, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Credit inquiries for XXXX XXXX XXXXXXXX dated XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XXXX XXXX XXXX are the result of identity theft, and They are not belonging to me.

Company response to consumer: In progress
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I am writing to file a formal complaint against Bank of America regarding a blatant violation of the Electronic Fund Transfer Act ( EFTA ). The issue at hand pertains to the handling of a fraud claim totaling {$7400.00} on my account. 

I, XXXX XXXX, was unfortunately hospitalized for an extended period of three months and was oblivious to the unauthorized charges made through XXXX XXXX during this time. It is crucial to note that I do not possess a XXXX XXXX account and, therefore, could not have initiated or authorized the transactions in question. 

Despite the immediate cooperation and the submission of all necessary documents requested by Bank of America, the bank has openly admitted to breaking the EFTA federal regulation by failing to provide provisional credit within the mandated 10-business-day period.

This delay in the resolution process has not only caused undue financial hardship but has also demonstrated a clear disregard for the consumer protections established under the EFTA.I deserve a prompt and just resolution to this matter, including the timely issuance of provisional credit as stipulated by law. 

Enclosed with this complaint, you will find copies of all relevant documentation, including the hospitalization records, and any other pertinent evidence supporting our claim. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action against Bank of America for its failure to adhere to the EFTA regulations.

Thank you for your prompt attention to this serious matter.

Company response to consumer: In progress
Consumer complaint received 2024-01-23
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2023-12-11
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX the CFPB entered a consent order in administrative proceeding XXXX, which paragraph 56 stating : All Debt Sale contracts and agreement to after the effective date must : b. Prohibit the Debt Buyer from reselling any Account included in the Debt Sale, except to the extent Respondent is repurchasing an account. 

On XX/XX/XXXX Citibank, NA. sold my account, according to the petition is XXXX XXXX Missouri Case XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX under Contract ID XXXX document id XXXX. 

The State Case petition is attached. 

However, on XX/XX/XXXX, that debt was resold, or assigned, from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which was transferred and resold, until XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which filed action against me on XX/XX/XXXX. 

Moreover, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX never honored the CITIBANK , N.A . arbitration agreement in the attached cardholder agreement and all attempts to get CITI to enforce that arbitration agreement in XXXX went unanswered. 

I made offer to settle this matter with CITI, but instead of settlement of {$2200.00} the bank is paying {$3900.00} to engage in arbitrations and so far has failed to make a timely payment to the 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 2023-11-29
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been locked out of my Coinbase account for approximately a year. I have repeatedly gone through their process of account recovery, but I am declined every time. My complaint has been elevated to a specialist department numerous times with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: AL
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:
I submitted complaint and the rep put in wrong personal information which made it impossible to follow up on because the other rep said identity problem. So that's what stopped me from providing what was needed to follow up. It's ok. They got me again and are allowing federal benefits to be garnished which is prohibited as well as bogus withdrawals posted days later from original as duplicate withdrawal. But no different than the other complaints filed nothing done and others not followed up on. Just wow. I don't even see this importance of this branch. Still leaves the consumer with no voice. Un believable to say the least. I'm disgusted because I was also told fdic handles this and not cfpb. Credit reporting agency keeps hanging up and won't follow guidelines set and make it impossible to even get through to a rep. Major problems in a consumers life just to be left with no rights as guaranteed by law of the land. I guess I will just try to cash out this business account wells Fargo opened without my knowledge. Just with one days there is at least a couple hundred thousand for that one day according to my check log provided to me for them to deny. I have proof from conversations with reps. System won't allow me to change phone number. Besides. The company keeps disconnecting after 2 weeks of being paid. So, no phone. But they sure be all on my darn credit report illegally

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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good evening, My name is XXXX XXXX. In XXXX of XXXX, I had my bag stolen with my wallet and phone. It seems the person was following me all night and saw when I inputted my pin code because the person did numerous fraudulent activities to my Bank of America account. The person stole XXXX from me and I have been trying to get help from Bank of America and they just refuse to help me. In fact, they barely even believe me. Every time I call, the agent makes me go through so many obstacles just to get the status of the claims. They're rude, they mock me, they even call me a woman and when I correct them, they giggle. It's extremely disrespectful. Bank of America wants me to go into a branch every single time I speak to them over the phone. I have verified my identity numerous times and have given mountains of evidence. It isn't fair that I am not being heard or respected.

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The bank has held my entire savings in what they have called a hold for over 83 days, which is far beyond what regulation state is allowed. The hold as I said is on the entire amount in my savings rather than from a transaction that has cleared. 
The hold was placed due to a transaction on XXXX  that moved {$15000.00} from my bank to another bank out of state. I disputed the transaction XXXXThe bank recovered the funds, however they have placed a hold on the entire account not just the transaction in which a bank may do for it to clear. I have called many times, not one person has been able to remove this hold. I was told to go into the bank to proove who I am with two forms of ID.

I went in with at least four and the hold is still on the account! I have called and had to wait on them to call back always a two day wait, never getting any resolve! They really have no reason or right to do this and they have no concern that I need to use my money to live! This has cost me well over XXXX XXXX XXXX XXXX  in fees and credit score ( if you can place a price on that ) I worked hard to keep my score above XXXX and to not be able to pay bills or borrow and have late fees when I have the money, but a bank is not allowing me to use it! 
This is my second time to inform on this, the first was responded with a letter that basicly restated all the information with no solution or a date as to when the hold would be lifted! I am really hoping that I can get real help this time.

Company response to consumer: In progress
Consumer complaint received 2024-01-17
Company: CreditNinja Lending, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Credit ninja is reporting seven inquiries on my check systems report and those should not be on there. I do not have an account or did I open an account with you guys? These inquiries are preventing me from opening up a checking account and this is having a negative impact on my life I want these removed immediately.

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 2023-11-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XXXX, Specialized Loan Servicing LLC, didnt accept our payment for XXXX mortgage in the amount of {$4000.00} and the for the amount we owe last XXXX in the amount of {$1000.00}. The total amount we paid last XXXX was {$5100.00}. They said they sent us a check in which I called them back before the month of XXXX and said I still havent received the check in the mail. They said they will re-isssue a check again so if I receive the first one just toss it. The next day, I went to the mail and found a lot of mail from their company and one of them is with the check issued by XXXX XXXX So I just kept it to show proof that they will be re-issuing me a check in that same amount. Days passed by, I called them again, messaging them through my email and messaging them using their online messaging system, but unluckily, they seem not to answer our question using the our email or their messaging system online. They just kept calling, but still no answer using the email we have sent them or their online messaging system. They kpt sending us mail stating that we are past due on our mortgage. We were past due because they didnt accept our payment to them last XXXXXXXX XXXXThey cashed our payment checks that was sent to them last XXXX. Our bank confirmed that our bill pay payment was cashed at XXXX XXXX by Specialized Loan Servicing. 
Now we wondered why they cashed the checks in XXXX XXXX and sending the payment back to us if they are not accepting our bill pay payment. They said onlyg certified funds. But they cashed our bill pay checks last XXXX XXXX 
Now, were still in waiting for that re-issued check. They said today, it was sent last XX/XX/XXXX. But in fact, another representative told us last Saturday, XX/XX/XXXX, that it was cancelled because it havent been cashed and that theres no re-issuance check yet that was mailed to us. So, this representative today looks like she didnt know what shes saying. She told me that she will send an escalated note totheir manager regarding this. So now, theres stillno check arriving to us. Our mortgage account is showing a past due of {$5300.00}. Our account shows an unapplied/suspense of {$3000.00} in which We didnt know what was that about. Our mortgage has been purchased three times already and Specialized Loan Servicing is the present servicer. They are the worst company. I dont know how they managed to still be in this industry wherein we have seen a lot of complaints about Specialized Loan Servicing , LLC . 
Please act asap!

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a mortgage with XXXX XXXX since XXXX. I fell behind and got a XXXX  XXXX in XXXX I didn't want to discharge my mortgage but my lawyer did. I was on time with my mortgage when I had the bankruptcy and after so they really didn't get anything from the discharge because I was on time. So I didn't want to leave my house and I made payments every month on time until forbearance happened with the code we got locked in. I was on forbearance twice because I'm sick and I'm still sick. The first time I came off they deferred it deferred the balance I owed. Second time I got a payment from HAF Grant and they paid 3 months worth I guess XXXX XXXX didn't Express to them that I still have the deferral amount which was the second mortgage and HAF XXXX XXXX, would have paid that. XXXX XXXX XXXX said they were transferring me to their service department well I didn't know they were selling me to it debt collector that was XX/XX/XXXX while still in forbearance. They also reported me delinquent while on forbearance to XXXX. I asked them after they sold me if they could update the credit report and let them know that I've been paying my mortgage all along and they refused which I think is illegal. I printed out 6 years of statements and payment information and since it's a XXXX  and they said they deleted their account from my site but it's still there it's closed and it still says delinquent I had them do an investigation twice to get rid of the delinquent and still on there. That's illegal according to the bankruptcy laws and the forbearance laws complaint about the new mortgage company. At my house for 22 years I always paid on it until the covid and I don't need to link one on my credit report and now it doesn't show that I paid my mortgage since XXXX. I really did a number on my credit and I couldn't get them to defer it and I couldn't get a equity loan either they refused equity loans before people went on forbearance and after.

Company response to consumer: In progress
Consumer complaint received 2023-11-22
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for a service I was suppose to get XX/XX/23 in XXXX of this month of {$520.00}. 
The vendor did not provide me service. As I had paid for her to come to me and do my hair and make up. She was not able to do this because her car broke down. I was alone with XXXX kids XXXX who has a XXXXXXXX XXXX I did not feel safe traveling to her home, she said she worked out of her home, not a business alone with kids and a child with a XXXX XXXX 
On the contract I paid {$150.00} extra for her to travel to me and she was not able to this due to her car issues. This was a breach of contract.

Company response to consumer: In progress