BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 went to physical Bank of America location in XXXX XXXX, TX and deposited a $ XXXX Parent Plus loan refund check from University of XXXX for my son 's college. 

I received notice and deposit receipt that the funds will credit same day and full amount would be available next day on XX/XX/2023 ( next business day ). 

At XXXX CT on XX/XX/2023 received an email that BOA placed a hold on my deposit because information told them the check would be returned and funds will not be released until XX/XX/2023. But within my account, it states the funds will be available on XX/XX/2023 at XXXX CT. 

After I received that message, I called BOA once I received that message and the representative said that email was inaccurate and I should get an update on Friday, XX/XX/2023 and there will be a shorter hold because of the large amount. 

I am filing this complaint because according to banking regulations, they should only hold funds/checks for a reasonable period of time. After verifying with the payee that the funds have been released to BOA and also that the Federal Government ( Federal Student Aid Loan ID # XXXX ) released the funds in my name on XX/XX/2023 to University of XXXX and XXXX XXXX ( Loan Servicer ) this loan is in my name and I am currently being charge interest on this money that I do not have access to. Bank of America has this money on hold illegally by not releasing funds within 1-2 business days.

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 2023-09-09
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is on my credit report and is hurting my reputation as and credit. 

15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I C SYSTEM Last reported XX/XX/2023 {$140.00} Open balance XXXX XXXX XXXX XXXX  Original creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Mattress Firm was a running a XXXX XXXX sale for 3 % back on a XXXX XXXX XXXX XXXX for a balance of about {$67.00}. I received my Synchrony card, activated it as instructed, and tried to use it at XXXX, however it could not be processed. When I called the automated number to check the balance again, {$22.00} had been deducted from the card even though it could not be processed at XXXX at checkout and I used my personal card as payment instead. I then went to the website on the card to see what was deducted as the {$22.00} and the website said the card was invalid and could not be found. 

After doing some digging on consumer message boards, I'm learning that the issuer of the XXXX XXXX XXXX, XXXX XXXX, is a scam. 

I tried reaching out to Synchrony multiple times with no response. 

This is not only misleading as a sales perk, but also fraudulent.

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 2022-06-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I fell behind on payments due to injuries suffered from previous accidents, both work and vehicle. I made attempts to pay, they refused payments. I tried to get a foreberance but they denied me. Then the pandemic came. XXXX XXXX I made contact again with the servicer, XXXX XXXX was my point of contact. I received an email from him stating they were working on it, never heard back. They barraged me with automated calls and automated voice messages to my cell phone in violation with FDCPA. I called the point of contacts, XXXX XXXX wouldn't help me because as she claimed, I am not her kind. Never heard back after that. They continued with letters and point of contacts, none responded to me as required. This pushed my balance higher. I applied for modification in XX/XX/XXXX, gave everything they requested, they denied claiming I requested a foreberance, I didn't. I applied two more times, each time they asked for documents already sent and received, claiming not to receive them, but i sent sent back checklist to confirm all received. They played the we don't have them game to avoid helping me, then closed application. They deliberately miss managed to avoid helping and continued to collect higher fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 an account without my written instructions Hard inquiry

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 2023-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Saturday XX/XX/XXXX I received a text message for my cash reward card ending in XXXX for a purchase of {$1900.00} at XXXX XXXX XXXX XXXX that was declined and asked if I authorized this activity which I immediately answered no and the card was canceled BOA sent out a replacement card, I had a family emergency that day when I got home and couldn't find either of my BOA card I freaked out and checked on my mobile app where I found the same charge with same merchant same dollar amount went through on my other BOA travel reward card ending in XXXX, I immediately called BOA over the phone and reported the unauthorized activity, explained that both cards were not in my possession along with the cardholder I kept them in, the agent filed the claim and replaced my travel reward card. It is ridiculous how the {$1900.00} triggered the alarm the first time but went through right after with another card, if I received the fraud alarm for this {$1900.00} charge on my travel reward card, this charge would never make it through! More ridiculous, on XX/XX/XXXX I received a letter from BOA saying they were unable to refund me because the merchant provided documentation that confirmed I received the merchandise & services. How is this even possible? I don't even know what this {$1900.00} have bought, how can I receive something purchased with a card that was not even in my possession that I have no clue what those were? It is unlawful for the consumer to be liable for unauthorized purchase, I have been a faithful client of BOA since XXXX, but if this is how BOA protects it clients, it leaves me no choice but take my banking elsewhere and take necessary legal actions to protect myself.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on Experian, XXXX both have my birthdate as XXXX  which is my father who is deceased. 
Also XXXX XXXX is reporting negative account and can not provide me with an original signed agreement, I believe to possibly be my fathers

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 2023-03-08
Company: EQUIFAX, INC.
State: NM
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Valor Intelligent Processing, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get repeated debt collector calls for someone named XXXX XXXX. It's all automated and I've gone through the process to have my phone number removed, stating this is an incorrect person. For months, still receiving calls that aren't for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As I viewed my credit report I noticed some inaccurate reportings on it from the creditor. This inaccurate information is hurting my payment history and in turn bringing my credit score down and blocking me from providing the financial freedom my family deserves.I emailed the creditor and asked for a payment history and for this to me resolved but i got no response.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022, I faxed a letter to the bureau asking for their method of verification. I have attached the fax confirmation along with a copy of the original letter. I want the information in question to be deleted immediately because it has taken more than 30 days to respond. I've also reported that my ONLY address is XXXX XXXX XXXX XXXXXXXX, NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This individual agreed to buy something for XXXX USD from me through XXXX XXXX. I then received a mail from XXXX regarding receiving XXXX USD from him however the mail stated that I couldn't receive the amount as I didn't have a Zelle business account the way he did. He then called me and said that he would be sending XXXX USD to me and that he would want me to take a XXXX USD and return the remainder of the total he had sent as said in the mail. He did this with me twice until XXXX USD was out of my account, and I kept on receiving emails that I would have to pay him even more to be able to get the amount I was sending him and a XXXX USD more. In total, I sent him XXXX USD in two different transactions of XXXX USD each through Zelle from my XXXX  XXXX XXXX Banking XXXX. His number used was ( XXXX ) XXXX, and his Zelle account id is XXXX, and his name is saved on Zelle as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: PENTAGON FEDERAL CREDIT UNION
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently made a payment of penfed gold card on XX/XX/XXXX, and my payment was due on the XXXX. I was extremely particular with this payment because our company is in the process of obtaining a business loan. I needed my balance to reflect the prior months balance and was told to make a payment of aprox {$300.00} and the balance would be the same. Instead XXXX, was reported to my credit report. On XXXX I reached out to penfed. I was told that {$8100.00} did not get reported to the credit bureau, and if that did happen that was an error. I was told they would have to dispute the report and it could take 30 days!!!!! This needs to be corrected right away or we will loose our loan!!! I asked to speak to a supervisor and got XXXX who was extremely extremely rude!!! He had kids yelling in the back and said there's nothing he can do!!!! Please review this call!!! I need the credit. Reported updated immediately! This inaccurate reporting dropping my score tremendously!!! I

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 2022-12-15
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX - my bank card and bank account were hacked. A XXXX  account was set up using my information and my bank card XXXX XXXX purchases were made through XXXX  totally {$1000.00}. 
I spoke to XXXX 2 times via phone and sent email to the complaint department. I have asked them to remove the account and remove my personal information from their system. They are telling me they can't because there is history there and pending charges. This is a fraudulent account that should be closed immediately to protect thieves from stealing more of my funds. XXXX should be more concerned about this but they are not. Send an email, call the complaint dept. All of which I have done with no resolution. Please help

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 2016-12-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After several phone calls, emails, mail, and faxes stemming as far back as XX/XX/XXXX, I have to date received no response from Ditech. I was told by a representative of Ditech formerly Green Tree that my supplemental tax bill would be paid out of my escrow account because there was a surplus in my escrow account. Long story short, I was continuously told that the installments were scheduled on time and they were not. I accrued {$420.00} in fees due to Ditech 's mistakes in not paying the tax bills on time, and was adamant in having Ditech credit me the fees that were accrued through no fault of my own. Several Ditech representatives indicated seeing my numerous faxes, emails, and calls documenting my diligence in providing them documents and following up on getting these issues resolved since its inception in XX/XX/XXXX -- to date no response has ever been received. In fact, I have now had my mortgage payment increased due to an escrow " shortage, '' even though they sent me a surplus check in XX/XX/XXXX. Yet when I asked why an annual escrow analysis was done in XXXX and again in XXXX, no one could answer my questions. This to me feels like I 'm being PUNISHED for wanting back monies that are rightfully mine. On XX/XX/XXXX, I emailed Ditech asking why they were issuing out Annual escrow analysis to me in 3 month increments? Well of course the account would be short in the computer, a payment would have just gone out in XXXX for XXXX regular property taxes! My regular payment at the beginning of the loan was {$2800.00} ( {$1900.00} in principal & interest, and {$940.00} escrow for taxes & insurance ), then in XXXX it changed to {$2600.00} ( {$1900.00} Prin & Int and {$710.00} escrow for taxes & insurance ) due to a " surplus, '' and now my XXXX payment went up to {$3000.00} ( {$1900.00} Prin & int and {$1000.00} escrow for taxes and insurance ) due to a " shortage. '' So, my payment went up {$350.00} due to an escrow " shortage, '' but no one can explain to me how, or will even call me back. I have been told for weeks that a supervisor will call me back -- not once have I ever been allowed to speak with one, even after several times of requesting to speak with one. I sought out legal advice and had an attorney write me a letter in the hopes that someone would call me back -- nothing! On XX/XX/XXXX was my final call to Ditech, again I was given the runaround. No supervisor was available for me to speak with, and no one could tell me why my payment went up or why an annual analysis was being done 3 months later from a previous one, or where my darn check was for the fees and penalties! 
It is blatantly obvious Ditech has no intention of paying me back my fees, and even went as far as increasing my payment as punishment for requesting those fees to be credited. To date no one has ever responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraudulent inquries appearing on credit report appearing on credit report. 1. XXXX XXXX  2. XXXX XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. 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 2023-04-07
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: Account status incorrect

Complaint:
Please review and I urge fallowing errors, inconsistencies, inaccurate and omissions I was able to find on my reports According to the FCRA you must have the most possible accuracy As shown clear is and apparent that this doesnt meet the standard required under the FCRA The data of last delinquency is required to be shown and is not showing in this report Please delete this account as it violation of FCRA The account field is inconsistent as although this is just one account credit bureau are showing different numbers TransUnion shows the account number with 4X appended to a number and XXXX is also showing an account with the 10 X appended As I can not validate the account or multiple accounts According to the XXXX you it is required field and should show the individuals complete and unique account information from the file This can not meet the requirement of maximum possible accuracy please delete the account The Last Activity Field is XXXX  XXXX this is just one account Credit Bureau are showing different dates TransUnion shows XXXX and XXXX is showing XXXX I am not sure how a single account can have different dates for the last activity field wouldnt any notation of last activity I dont think this is a stay well or meets the FCRA standards retro obtained maximum possible accuracy Please dele this account The high balance Field is inconsistent as although this is just one account the Credit Bureau are showing TransUnion shows XXXX and XXXX is showing Blank Please send me a explanation as how a single account can show different values Something called high balance should be the same Please delete the account The payment history information field needs to be investigated and either completely fixed or this account should be removed in its entirety TransUnion is missing All payments information from the date this account was opened in XXXX This means my account could miss 5 years of excellent credit history Your own internal and industry accepted guidelines both rely both all accounts to be reported at least one every 30 day Experian I noticed after you start reporting on this account there was a missing data Any missing data is a violation of FCRA as the information affects my score Please investigate the data for the following months that are missing information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Payment History is XXXX  I was 30 days late on XX/XX/XXXX I dont have any records showing this Please remove the account unless you can see me something proving I was in fact late on this account

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 2022-09-07
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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