BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is additional letter that Im attaching to the current claims that are pending investigation. Please attach this document for Claims ID : XXXX ( {$11000.00} ), Claims ID : XXXX ( {$8900.00} ), and Claims ID : XXXX ( {$10000.00} ) The charge is in error because the items werent delivered. I ordered XXXX orders of the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX orders of the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, and XXXX orders of the XXXX XXXX XXXX XXXX on XX/XX/2023, exclusively release in XXXX. The seller promised me to deliver the items to me on XX/XX/2023, but I never received the items. Upon checking with my seller, my seller informed me that the items she received to her house were not the cups that we were expecting it to be therefore my seller agreed to send me the refund on XX/XX/XXXX because she called me stating that the cups, she received were not the cups that I placed the orders for. She made me look like a fool into thinking that all my orders were fully secured. For 2 months, she keeps reassuring me that everything was secured and on the way. I had a feeling that she did not secure because I asked her why the package barely ship now from the other province when the release was end of XXXX. She did not reply. I have done business with my seller multiple times, and this is the first time that she has not provided me the merchandise. She even has my bank information to process the refund, so I dont see the hold up from her. 

I am requesting that the errors be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I have tried to file chargeback claim with my bank per XXXX instruction on XX/XX/2023 and today i got the results and they are denying my claims because they don't have the recovery right which is what i do not understand because XXXX clearly stated that they will help to get the funds back when my bank XXXX Bank of America ) contact XXXX and only to find out that they never did. They just contact XXXX 's bank which is XXXX XXXX. 

I absolutely do not feel protected, depositing my money with Bank of America anymore. I will be closing my account effective immediately because of the way Bank of America has been handling dispute claim and it is truly disappointed. I've been a value member for 12 years now and this is the second time i filed dispute and Bank of America decided AGAIN not in my favor Enclosed are the copies of documentation ( screenshot from my seller ) stating that she agreed to send me the refund supporting my position and experience. I will be attaching written statement from XXXX that they have my back and will work with my bank. Please correct the error on my account promptly

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 2023-06-02
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited a cashier check from my XXXX account into my TD  account. I was not made aware of a hold being placed at the time of deposit as it was a certified check governed under reg cc. 

On XXXX I logged into my online banking and noticed that the check was put on an extended 6  day hold. 

I called into customer service and they said that this was a regular check and they had the right to hold the check for 6 business days. When I informed them that this was a certified check from XXXX and per reg cc on the XXXX XXXX  website item # 7 clearly states they can not legally hold a cashier check for more than 2 business days. Some verbiage around cashiers checks stated that under XXXX  must be made available on the next business day. The rep put me on hold came back said the supervisor put a request in to release but it may or may not happen and the hold would have to stay on for 6 business days. 

I again referenced the XXXX website and provided the specific article number the rep told me I was wrong and that is not TDs policy. I asked to speak to a a supervisor who said the same thing and that TD policy supersedes that. When I stated ive worked as a branch manager for over a decade for a bank and that every bank teaches there associates about the basic rules and regs primarily XXXX XXXX the supervisor XXXX indicated that she was not going to get into legal stuff with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2020-10-13
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-05-22
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received a bill from the hospital because the address they have on file is not associated with any address that I have lived at. I have called AWA collection agency and provided my daughter insurance card and the claim # to a processed and paid claim several times Since 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX Bank NA account number XXXX, XXXX XXXX XXXX account number : XXXX, XXXXXXXX XXXX XXXX  account number : XXXX, Total XXXX account number : XXXX, XXXX XXXXXXXX XXXX account number : XXXX, XXXX XXXX XXXX  account number : XXXX, XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX, account number : XXXX, XXXX XXXX XXXX, account number : XXXX has violation my rights. 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 1681 ( 5 ) they are supposed to modify account that aren't reporting correctly.

15 U.S.C 1681 section 602 A. states I have the to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can't furnish a account 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 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Aspen Yo LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I have not received an accurate mortgage amount from my new loan servicer, Gregory Funding. 
My n2 previous servicer have never adjusted my payment from my post XXXX XXXX discharged bankruptcy. 
XXXX, my previous servicer never adjusted my 24 month escrow shortage after we satisfied their agreement to make up their admitted miscalculations of my escrow payment during my 5 year, 60 payments to satisfy my XXXX XXXX terms. The servicer then changed to XXXX XXXX and they did not adjust my payment that should reflect my XXXXXXXX XXXXXXXX and the subsequent 24 additional monthly payments to satisfy the 5 year escrow shortage on behalf of XXXX 's mishandling of my escrow account. 
it has been over 7 years of exorbitant payments which i have worked 7 days a week to keep up with. 
i recently have satisfied a 3 month trial that was originally with XXXX XXXX, that Gregory funding honored. 
I am asking that my mortgage and interest rate, which has never been refinanced, and no equity loans or adjusted interest rate since the start of the mortgage in 2006. 
i have sent Gregory Funding an extensive e-mail with 21 attachments of legal agreements and additional previous relevant mortgage information. 
looking for some relief after 7 years, paying my original mortgage payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHNX FINAN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX- I have been a victim of identity theft and should be receiving free credit monitoring which XXXX has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my trans union and XXXX reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I fell victim to the Bank of America Scheme. I filed a report with fed agency that oversees banking. I deposited a check into BOA and they released the funds then placed a hold on it and I overdraft the account. The check showed cleared so I began to pay bills then the next day I look and the check has an additional 30 day hold on it and overdrafted my account forcing me to pay. The check was a certified check from my lawyer from a settlement I had won. I called the bank of the issuing bank and it had cleared the account but yet Bank of America withheld my funds for 30 days. They even charged me overdrafts.

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 2022-07-21
Company: Opportunity Financial, LLC
State: NV
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:
I have filed a XXXX report about my situation already and my issue with this company/account was not resolved. I am filing this report about an open account with Opportunity Financial as they are in violation of the FCRA. In pursuant to 15 USC 1692c, ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. Also in pursuant to 15 USC 1692g, I am the original creditor and only I am able to validate a debt. I demand that this account is updated to payed as agreed and that the company ceases all further communication that isn't by mail and to desist the alleged debt. If there is no changes in the next 30 days I will be taking further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
fraud was initiated on my account in which i asked for IP addresses and XXXX addresses and no one was able togive me info or reinstate the accounts to be opened for good faith use while still benefiting from all titles rights and interest in my accounts insured by the fdic

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation