BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was a victim of identity theft in XXXX of this year. At least one other bank account was linked to my Bank of America ( BoA ) credit card account in my name and my previous two payments in the amounts of {$1800.00} and {$810.00} were " refunded '' to the account ( s ) in question. Pursuant to section 609 ( e ) of the Fair Credit Reporting Act, I requested from BoA all documentation relating to the fraudulent transactions including bank account numbers and all records of phone numbers used to activate or access the account. With my initial request, I included a copy of my driver 's license to verify my identity, a copy of XXXX Police report no. XXXX, and a copy of FTC Identity Theft Report no. XXXX. One month ago, XX/XX/22, I received a BoA customer service agent XXXX, who informed me that she could not provide any of the requested information and that BoA would only provide that information to law enforcement. I brought to her attention that the victim is entitled to that information directly. They have had more than 30 days to provide the requested information and are now in violation of federal law by refusing to do so.

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 2023-11-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Lakeview Loan Servicing purchased my mortgage from XXXX XXXX XXXX XXXX XXXXXXXX of XXXX. All communication I received stated that everything would be transferred automatically and I just needed to take note of the new account number and the method that I use to pay my mortgage payment. Both my taxes and hazard insurance were part of my escrow from the day I obtained the original mortgage. In XXXX Lakeview paid my annual property tax from my escrow. In XXXX of XXXX they notified me that my hazard insurance was lapsing and they were going to bill me for insurance. My insurance did not lapse nor did it change. It was renewed in XXXX of XXXX just as it was in XXXX. When I reached out to Lakeview they said that my hazard insurance was never paid through escrow, that I paid it. I explained that was not true and I could provide documentation of XXXX payments through escrow. They did not care. They told me that I had to request my hazard insurance be added into escrow in writing, which I complied with. When I called to follow up on XX/XX/XXXX I was told that everything was received and should take effect on XX/XX/XXXX, however my insurance company may not get the check for premium that quickly. Since I had been communicating with my insurance company this entire time, XXXX XXXX XXXX, they allowed a grace period as they were also trying to reach out to Lakeview to help get this resolved. Today is XX/XX/XXXX. XXXX XXXX has never received payment. My account has never been updated. I now have to pay out of pocket for my premium. Lakeview can not be reached. Their automated system simply states that they apologize if you receive a message during business hours, please call back tomorrow. XXXX XXXX has reached out to them as well with no luck. I am furious that this company was allowed to purchase my mortgage and alter my previous choice to have my hazard insurance deducted from my escrow account. This was never discussed or asked of me. I can provide documentation to show that XXXX XXXX XXXX paid my hazard insurance and property taxes out of escrow in XXXX before Lakeview purchased my mortgage. They should not be able to do this to unsuspecting consumers.

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 2019-03-15
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:
On XX/XX/XXXX I deposited a {$9400.00} check from my payroll company, because I was laid off. I deposited the check in the ATM. Not until after the transaction was completed did the receipt tell me a Hold was placed on the whole deposit, not just a portion. And the Hold was placed for over 7 days until XX/XX/XXXX. Without this money or a portion of this deposit it has caused my family and I a hardship, bills have bounced and more will bounce. I asked the bank can they make a portion available and they give me a scripted answer they are waiting for the check to go through a 3rd party verification, and maybe I should have direct deposit. And I explained I was laid off and this was a check given to me from the payroll company, and I previously deposited a check for a lessor amount a week and half ago from the same company and my direct deposit every week from my previous employer was from the same company but they would not budge. Furthurmore I asked if they would refund any fees associated with any bounced payments and they said " No ''. I even asked If I call the Payroll company and verify if the check has cleared their acct could they release the funds they said " No ''. If I had known a Hold was going to be placed I would have tried to cash the check before depositing in the ATM, I even asked the bank teller minutes after if I could get the check back and she said " No ''. As you can see from my attached receipt I was trying to make sure I cover my bills that were set to go through!! I bank with Bank of America

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 2020-06-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have sent dispute letters time and time again to update my report and dispute inaccuracies. Company is not updating or responding to any of my request.

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 2023-11-30
Company: CL Holdings LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately ( attached in doc ) Also, please add a promotional suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Fidelity National Information Services, Inc. (FNIS)
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX XXXXf customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.

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 2021-04-08
Company: EQUIFAX, 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've disputed the same accounts to all 3 credit bureaus multiple times and the incorrect and unverified information remains reporting inaccurately on my credit report. 
I've just recently dispute the information once more. Along with my correct name, date of birth, and address. That's been reporting inaccurately by Equifax and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please update these items. 

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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last two years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, J Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXXXXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2022-07-22
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans are being inappropriately and I believe illegally serviced. My loans have been illegally serviced so severely in the past they lost coverage by their guarantor and are now being self-serviced/guaranteed by PHEAA. They have repeatedly inappropriately applied deferments and forebarences. Now I found out that during the COVID pandemic when I was supposed to be getting payments deferred without interest penalties... They illegally were continuing to charge me interest the entire time and capitalizing the interest on the account ( so they've now collected interest on top of interest ). Additionally, I work for a non-profit and even after applying multiple times for the forgiveness program, they continued to intentionally make the process challenging, complicated, and nearly impossible. PHEAA has been predatory and abusive throughout the entire length of time they've serviced my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, XXXX XXXX reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score XXXX points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called XXXX XXXX on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with Experian on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of XXXX homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in XXXX charges. The XXXX XXXX must pay for this cost.

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 2023-11-30
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX  I received an email from Regions bank offering a {$200.00} bonus for new accounts opened by XX/XX/. The terms for earning the bonus were to deposit at least {$2000.00} within 15 days of opening the account and maintain that balance for 60 days. 

On XX/XX/2023 I opened a savings account with regions bank. On XX/XX/XXXX  I made a deposit of {$2000.00} into the account. I maintained that balance until XX/XX/. According to the terms of email I received, the bonus should have been paid out into the account no later than XX/XX/. 

On XX/XX/XXXX  I called the customer service number for Regions bank. They stated they could not find my account information and said I would have to visit a branch in person. 

On XX/XX/XXXX  I again called the customer service number for Regions bank. This time they were able to locate my account information. They stated the deposit I made into the account did not count toward earning the bonus since it was made from a Regions checking account. The email I received on XX/XX/XXXX  did not mention that internal transfers wouldn't count towards earning the {$200.00} bonus. I pointed this out to the customer service rep. They did not budge. A copy of this email is attached.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR 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 2023-05-04
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 my XXXX was hacked from someone in GA I tried finding the phone number on XXXX but couldnt find it so I XXXX it. I thought it was legit but doing all the steps they told me to do they scanned mine out of my acct I sun realized something wasnt right so I hung up I disputed the money on the XXXX XXXX and the bank. They have the money back but today I got an email stating they investigated and were taking the money back out of my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief