BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am beyond sick of Bank of America. I have had soo many issues with this bank and the latest is extreme long holds on checks. They continue to do this and I'm a preferred rewards member ( 27 years ) but they treat me terribly. They have no rhyme or reason or a clear explanation why they hold your hard earned checks for 10 to 12 days. Absolutely ridiculous how can you pay your bills with type of relationship. BofA is fraud scary and suspicious of every move you make. I don't want to have a relationship with a bank like this. They are very spooky and they transfer that over to me ( a customer ) as if I'm scammy or doing shady business. They once held a business check for 12 days a few months ago and I said I would never trust them again. But I went on ahead and deposited my real estate broker commission check and the teller never indicated a hold. Then I saw an email saying they are holding the check until XX/XX/XXXX. This is horrible because I have to pay my mortgage today or I'll have a 30 day late on my credit report. I was counting on this money to catch up on my bills. So now! 'm scrambling to see what I can do. BofA has created this pressure on me worrying about paying my bills. I spoke to the check maker and the funds have cleared their account and the funds are more than good. BofA still refuses to release my funds or any of my funds. XXXX bank has a glaring difference in philosophy, they give you a portion of your check deposited immediately and the balance the next morning. This is with business or personal accounts. I need this check hold released immediately so I can pay my bills. If I receive a 30 day late on my credit report due to BofA over reaction, I will never forgive them. I worked 4 months to earn that commission check and I deserve my funds right now. I made a grave error depositing this check into a BofA checking account. Please release the funds!

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX {$0.00} XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$170.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1100.00}

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 non-monetary relief
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Case Number : XXXX Account Number ending in : XXXX Consumer Financial Protection Bureau, Case Number XXXX XXXX XXXX XXXX first let me say thank you for responding to my concerns. However, I do not feel that this matter was thoroughly reviewed and that my issues have not been properly addressed. I will explain why below : About the claim : On XX/XX/XXXX, claim number XXXX ( Reference Number XXXX ) was created to dispute the transactions totaling {$1500.00}. The claim was denied and unpaid. The Claims Assistance Center determined that the transactions were authorized or that a processing error did not occur. The provisional credits of {$500.00} and {$1000.00} were reversed from the account ending in XXXX on XX/XX/XXXX and on XX/XX/XXXX. Were you aware that when the dispute was first filed that my funds were initially reversed and returned to my account? Should the funds have been reversed at that time ( XXXX ) if the investigation was still pending? It was not until XX/XX/XXXX and XXXX of XXXX that the funds were then reversed and deducted from my account for the reasons you gave above. Can you advise as to why 3 months ( XXXX ) and then 5 months ( XXXX ) funds were deducted from my account from a dispute I filed in 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 2021-12-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JC penny sends me a statement of an account I do not owe or authorize or open. I called the company but was told I am still responsible for the amount.

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 2018-08-28
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: Their investigation did not fix an error on your report

Complaint:
I Sent several letters to XXXX and Experian stating that I did not owe XXXX or XXXX XXXX Hospital XXXX dollars. I disputed the debt and I requested that XXXX and Experian investigate the matter and remove off my credit. I requested a copy of the application and any documents with my signature to validate the debt. I have sent letters but did not get any responses to my request. NOTHING. This has been going on for more the 5 months. 

1 ) They failed to respond within 30 days ( it has been more than 5 months ) 2 ) They failed to provide any documentation ; 3 ) XXXX gave me at of Service date of XX/XX/XXXX ( 6 ) yrs old beyond the state of Louisiana ( 3 ) year statue of limitation 4 ) XXXX XXXX XXXX Hospital is closed down since XXXX XXXX ) XXXX does not Respect the 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 explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-27
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 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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy 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 explanation
Consumer complaint received 2023-07-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent 3 Certified Mail to this unscruplous people, requesting for ; 1. proof/ legal right to collect this debt, 2. original contract with my wet signature and 3. Itemized bill. 4. I have no contract with them, they keep sending me the same thing over and over again, which is absolutely not what I requested. 5. I have disputed this debt as well with all credit bureaus, upwards of 3+ times, no resolve! 6. Validate this debt. 
I have recorded conversations with them which will prove my utterance. it's perfectly legal in Texas to record conversations, this is a one party consent state. I am now reaching out to my Congresswoman, my Senator 's office and DC. I am also starting a petition on XXXX, my hope is to get enough signatures to stop this people. Judging from all this complains, that will be a walk in the park. Enough is enough.. 

Desired settlement : Delete this apparent joint debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX my mum made a cash deposit to my checking account at BOA bank of America for XXXX. To help out with my rent. She was told rude employee at XXXX location in Colorado that she could not deposit cash that she should get a cashier 's check or money order she went and got a cashier 's check from Us bank for XXXX returned back to BOA and was told my funds would be in my account right away. My mum relayed that message back to me. XX/XX/XXXX passed with no funds available in my account I called BOA and asked what the hold up was I was then told it will take XXXX days. So I waited because it was deposited thru the weekend. I get a text notification on my account XX/XX/XXXX letting me know funds are now extended out XX/XX/XXXX. I called and talked to several people and I was given the run around with no reason as to why a cash deposit from a cashier 's check could get released. I called XXXX and was told I can try to reach out to a manager at my local branch because they couldn't authenticate my information over the phone at a XXXX  teller branch I would have to call customer service or visit my local BOA. I did just tat XX/XX/XXXX with no resolution the manager could even explain why and didn't understand why my funds weren't being released I've been with BOA for XXXX  years.

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 2023-11-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home 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:
I received an email on XX/XX/2023 from my Loan Servicer Mr. Cooper in a form letter that was also sent to thousands of others stating that on XX/XX/XXXX Mr. Cooper became the target onf a Cyber security incedent. the letter went on to state that Mr Cooper took immediate steps to lock down their systems in order to " keep your data safe ''. 
The rest of the form letter went on to state that as a parent company they are working as to fix the issue as quickly as possible ; and that I would not in cur any fees, penalities, or negative credit reports. There was a link alsop given and I was encouraged to visit the site. 
Today however they have released a memo stating that one can make their mortgage payment via phone mail one-time web payment XXXX XXXX or a XXXX 
Due to my age ( XXXX ) a fixed income and all of this inconvience I am relunctant to do anything other than use the US mail and write a check ... ... .will there be anytype of retrobution to all of us that were affected? What about mine and all others personal information ie credit and bank accounts that may or maynot been compromised? 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Costco Visa rewards for travel, restaurants etc. do not mention that each type of business has to bill using a special code or number. If the do not use that, the consumer does not get the points they should. Nowhere does it mention that one should ask each business how they bill and what numbers they use before going out to dinner! This is false advertising. Even on inspection, my bill lists restaurants not some restaurants only! There are rewards for transportation yet ferries do not bill with special numberstherefore they are not included.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-11-06
Company: NCB Management Services Inc.
State: NC
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:
a car loan i had 4 years ago bout to be going on 5 years keep harassing me for money and my information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX A ) 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 2020-12-15
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, Loan care, LLC received a partial payment which was applied to principle only opposed to the regular payment, when I proceeded to make a following payment due to COVID-19 and worried I would not be able to pay, which was processed on XX/XX/2020. This was again processed incorrectly. Fast forward to XX/XX/2020 when yet another payment was misapplied to principle only. I got first " past due '' letter in XXXX, I called the same day it was received to have this corrected, due to this being an issue in XXXX which I believed was corrected only to have the exact same problem 24 hours later, Which I was not aware of. I have been trying to rectify this issue for two months and now they are stating that they can not go back and correct this because it has been longer than 6 months since original transaction. They are now reporting that I have a past due payment when I have paid for XXXX and XXXX leaving my next payment for XXXX, which has completely tanked my credit, one dropped 119 points and the other 121 points. I have filed a dispute with Loan Care, LLC along with the 3 major reporting entities, however, they refuse to correct this issue with the misapplication of the payment. This is not only a major issue with their policy and their lack of customer service, but it is negatively affecting my credit without any real grounds. They have the payments ; they refuse to correct this issue and they expect me to come up with two months mortgage in one month when I am already living check to check due to being unemployed because of COVID-19. I want this issue to be corrected and for these individuals to treat their customers like human beings, one call or e-mail could have prevented this from happening. This has caused hours of phones calls, extreme XXXX, XXXX, XXXX, and XXXX along with triggering my ongoing battle with XXXX, which has made it impossible to find employment. I have attached a spreadsheet that clearly shows the misapplication highlighted in red. On the far left is my billing information when it was sent out, cleared, etc. and to the right shows when Loan Care, LLC received the payment, how the payment was applied incorrectly and the month it should have been applied to. I am happy to walk someone through this if needed, I just need this issue fixed immediately, due to my declining health over this situation. I have been extremely patient with the employees, but this is unacceptable behavior and treatment from a company. Loan Care, LLC acquired my loan, I did not seek them out and never had this issue with the previous company, which was XXXX. I want the billing to be corrected along with my credit being completely restored to its prior score.

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