BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
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 had money stolen out of my account and they've yet to put it back they said they investigated and they come to the conclusion that I was the one that took it but that's not true the reason it's not true that it's supposed to have a two-step verification on money transfers and I never transferred any money or did anything

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 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX I made a XXXX transfer from my Bank of America account. 
On XX/XX/XXXX I received and email saying the transfer was on hold because it was being investigated. They told me to call a number provider within 15 days. I called immediately. I was told my transfer was being investigated due to the description. I was asked if I was sending money to XXXX, which I let them know I was not. I stated the money was for fundraising for a funeral of a family friend who passed away in XXXX, Florida. The agent proceeded to tell me that the investigation would take XXXX to XXXX days and that when the funds changed from processing to deducted from my account it meant the investigation had been completed. 

That very night, XX/XX/XXXX, the funds changed from processing to deducted. Yet, the recipient has not received the funds and it has already been XXXX days. 

I called Bank of America today and they completely changed their timeline. They are saying they have no timeline for this investigation. 

I asked that they place the money back in my account and they refuse to. They have been holding on to my {$300.00} for over XXXX days now and I needed this money to go into my family friends bank account immediately so she could help pay for funeral services.

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 2021-07-26
Company: EQUIFAX, INC.
State: TX
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:
I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
J.J Marshall & Associates Co., Inc. Is attempting to collect on a debt that has already been tried to paid by the insurance company but they refuse to take the money and now reposted it under my own personal credit report. I have attempted to communicate with them via certified mail to clarify and verify this debt and they have failed to do so within the required 30 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 2023-10-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the inaccuracy of this bankruptcy with Experian three times. First back on XX/XX/2023, they claimed that time that the information was sourced from XXXX XXXX. I contacted XXXX XXXX  and they deleted the information from their records and even provided me with a letter which I will attach here, as soon as I have a chance. When I got the letter from XXXX XXXX, I disputed the information again with Experian back on XX/XX/2023 and the bankruptcy came back again as " remains '' because they claimed they never received the proof I had submitted which was the letter provided by XXXX XXXX and they wanted me to dispute the information again which I refused because at this point I knew this was an strategy of theirs, to stall and keep me in a loop and never really address the issue and remove the inaccurate information according to Fair Credit Reporting Act 15 U.S.C. section 1681 which there are not in compliance of. After so much back and forth with them, I agreed to dispute the information again on XX/XX/2023 and they assured me on the phone that, because I had provided the letter this time and they could confirm they got it, they would certainly remove the inaccurate information. They just completed the investigation and the disputed information came back ( once again ) as " remains ''. I feel powerless because these credit bureaus abuse and violate our rights. One more thing, they never on their last investigation who was their source for the bankruptcy, as a matter of fact, they never disclosed it in any of their investigations I had to call and ask. 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 explanation
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXXhave reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-01-21
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I paid on my loan for 10 years. I learned about the loan forgiveness and switched to this plan. I was informed that they prior 10 years would not satisfy the plan since I was not officially on the plan. Thus, I changed to the loan forgiveness plan. 
As I was beginning to monitor the 10 years to repay, I noticed that there was nowhere to see the end date of the loan forgiveness plan. XXXX XXXX told me the years I had paid since XXXX were not being counted toward the terms of the loan forgiveness. To date, I still have not had this reviewed and an answer provided as to why my payments since XXXX have not been added to the 10 year forgiveness plan. 
When I re-applied this year ( IBR ), my payment increased due to my income. I stated that I needed a lower payment and I was told I had to resubmit my application. This was resubmitted. Since XX/XX/XXXX I have not had resolution, continue to get emails stating the I am overdue on payment. I have documented all phone conversations and submitted these conversations in writing to my account under 'uploads '. I am told I do not need to make any payment and that the issue is going to be resolved within 24-28 of today ( XXXX/XXXX/XXXX ). At this point, I want these 2 issues resolved and my account brought current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Submitted a Claim in XX/XX/2023 for incorrect charge from a merchant ( charged too much ) to my bank Wells Fargo. I received a provisional credit. 

Wells Fargo submitted a claim to the merchant, but as of XXXX, XXXX  I discovered that Wells Fargo submitted the wring information/wrong claim to the merchant. 

Wells Fargo representative advised me that I would not have my provisional credit taken back from me, because they made an error. The calls were recorded to mention that and the femal agent was adamant that I wouldn't have my provisional credit reversed for Wells Fargo to take my money back. 

I received a call from a representative of the bank named XXXX who advised me that she was looking into this matter and would mail me a response in 10 days and then in the same sentence said she would mail me out a letter on Friday, XX/XX/2023, that's not 10 days. 

Wells Fargo is doing what they can to reverse my provisional credit when they made the errors. They are also going back on their word. I've continued to be charged fees against my account and as a result of this and more I am submitting my formal complaint in writing. Please help 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 2019-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
On my Credit reports Capital One Bank, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my Capital One credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: CO
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 just want equifax to straighten out my credit report. Was told I had a mixed file the other day when I called and they always need me to send in some kind of document to verify me and update my information properly and also my phone number keeps changing on that fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}

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 2021-09-03
Company: Aldridge Pite, LLP
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
CLEAR RECON CORP with XXXX  and XXXX are engaged in CRIMINAL ACTIVITY : CONSPIRACY, HARASSMENT, EXTORTION, and FRAUD ; against the consumer. 

In XX/XX/2019, the consumer rescinded an unsecured loan with XXXX XXXX due to a breach of trust. Accordingly, all trust relationships were legally terminated under the Void ab initio and fraud vitiates everything Doctrine. See Exhibit-1. 

There is No loan - legally rescinded ; There is No lien - legally released ; There is No deed of trust - legally terminated ; and There is No controversy with the deed - legally re-conveyed. 

FRAUD : 1. This account was opened without the consumers knowledge and without the consumers consent. 

2. The consumer DID NOT request to open this account and the consumer DO NOT have a written agreement to open an account with CLEAR RECON CORP ( no communication ; no signature ). 

EXTORTION 1. The consumers first contact with CLEAR RECON CORP was a fraudulent notice of default. 

2. CLEAR RECON CORP claims to be a Trustee, but the consumer is not aware of any appointment of this fraudulent creditor/trustee. 

The consumer is seeking relief from the ongoing conspiracy, harassment, extortion, and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, received a supplemental tax notice that will need to be paid. Called Mr.Cooper and told them about the notice. They confirmed that since it is a new construction and they have not paid any taxes for the whole year as it is new construction they will pay the supplemental tax bill and asked to forward the notice to mrcoopet tax dept ( sent on XX/XX/XXXX ). Received the actual bill from the town in XX/XX/XXXX and again called Mr.Cooper and told them about it. They told they will pay it and to send the copy of the bill to the tax team. The copy was emailed to their tax team on XX/XX/XXXX. Called again in XX/XX/XXXX first week to find the status of the payment and was told it will get paid on XX/XX/XXXX ( though it was due XX/XX/XXXX ) and was told mr Cooper will pay any addnl fines. Called again on XX/XX/XXXX to get the status as the bill was not paid and was told that Mr.Cooper will not pay the bill and will need to analyze it further. This has caused a delay in paying the supplemental tax bill and would put the responsibility on Mr.Cooper to pay it and for all delays. Have not seen a servicer being so irresponsible and not providing correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
To Whom This May Concern : I have an account with XXXX XXXX. The manager was reaching out to me to speak about a payment on the account. When she could not contact me during the day, she pulled a report and found my grandfather 's information and contacted him. Information, according to my grandfather 's significant other, was given out in regards to an amount of time the loan could be behind. The manager mentioned, " she has been trying to reach me for over a month. '' Feeling skeptical about the information given to them, I filled out a Cease and Desist letter informing the company they may not contact me or my references over the phone due to the issue. I also stated that any correspondence would need to be provided through the mail. 

On XX/XX/2018, months after the incident, I received a text message about my account on my phone. I contacted the company and informed them of the issue. I was informed by the branch manager that I would need to call home office. When I contacted home office, they insisted in taking my information, to have a manager call me back, even though I mentioned they could not call.

The branch manager at the XXXX location makes people feel intimidated and requires they must stop by the office. She raised her voice with me and insisted on making a payment arrangement when I contacted over the issue of receiving the text message. 

Please feel free to contact me if you need any further information. 

( If more dates are needed, I will gladly provide them XXXX This company should have the Cease and Desist on file, as I physically took it into the XXXX office and watch the manager fax/scan it over. 

Thanks again for your help! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX XXXX breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, Transunion didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2019-10-18
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Specialized Loan Servicing is reporting incorrectly a balance of {$150000.00} to XXXX ; XXXX and XXXX on the SPEC LOAN SV partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from Specialized Loan Servicing. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from Specialized Loan Servicing. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit 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
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX Date Open : XX/XX/2005 Balance : {$25000.00}.

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