BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
-- on XX/XX/2020 a check was issued by a company to my mother. 
-- My mother passed away soon thereafter. 
-- As her power of attorney, I deposited the check, electronically, to her Bank of America checking account on or about the day she died in XX/XX/2020. 
-- The check cleared the bank of the issuing company several days later. ( also from a bank of america account ) -- My mother 's bank account was locked by Bank of America as of the date of her death. 
-- A successor trust account was established during XXXX, 2020 ( a lengthy and difficult process due to the Covid restrictions ) -- in late  XX/XX/2020 Bank of America transferred the balance of funds in Mom 's original account to the new trust account. 
-- The amount transferred was short exactly the amount of the electronic deposit. 
-- Over the next several months I spent many hours on the phone with Bank of America who refused to provide any information on this deposit, refused to investigate, and refused to provide any avenue for resolving this matter short of going to court to compel their cooperation. 
-- The check issuer has provided me with an electronic copy of the cancelled check proving that the funds were withdrawn from their Bank of America account. 
-- I am seeking a return of the funds that Bank of America has fraudulently removed from my mother 's checking account, and any reimbursement for the many hours spent attempting to retrieve these funds from the bank.

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 2022-11-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Beginning, Of this year XXXX I Started Checking on my personal credit. Upon Requesting a annual credit report, I discovered numerous negative derogatory reporting on my personal credit report. It was clear to me that someone committed fraud by using my name and personal information without my knowledge and authorization to obtain three separate student loans in the amounts of {$44000.00} XXXX, {$30000.00} DatedXXXX, {$10000.00} Dated : XX/XX/XXXX. All Unauthorized, Unrecognized, And Unknown. I immediately contacted the company NAVIENT I spoke to several Acct. managers and informed them that my name and information has been compromised by fraudulent activity and this loan was not authorized by me. They didn't seem to be concerned about my alert to the fraud. I requested proof of all signatures and documents They sent me a fraud package to fill out and return back to there fraud department and wait for a response. After, receiving there bogus false loan documents with Someone else name on the documents with other information on the person crossed out I was furious. I made numerous back and forward heated calls with this company it was apparent that they had no clear intention on assisting me with my issue. They where only using the opportunity to communicate to just collect as much information in conjunction to what the already had to only use it to update there system. My fraud report fell on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is attempting to collect for a security system, I cancelled the service with the company and then they sold their business and the new company started collecting on my closed account even though their was no service on the 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 2023-05-21
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 an 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 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I initiated a XXXX transfer of XXXX to a person. Bank of America processed my charge and sent me a confirmation email saying that the XXXX had been confirmed. The XXXX remained processing the XXXX was inaccessible for me to use. Bank of America did not tell me there was a banking error with XXXX and proceeded to send the money back into my account without my knowledge and then proceeded let processing charges be taken out of that XXXX dollars. On the the XXXX of XXXX that same XXXX transfer was processed without my consent or knowledge sending my account into the negative. There was not notice from Bank of America about the changes to my 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 2022-11-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent a dispute to Experian requesting removal of the following incorrect name and addresses on my credit report. The incorrect information is listed as of XX/XX/2022 via the Experian provided credit report : 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 2020-07-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I need to filed a complaint about my citi master card, i contacted them and told me to send the necessary paper work and i did step by step but they still have denied it. education that i had never received they guarantee for me to get my money back. The company is been shut down by the FTC. I paid for this training and paid it off the credit as well. i will like to get my money back.

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 2022-11-10
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello, My name is XXXX XXXX, I purchased a XXXX XXXX XXXX XXXX  on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX, it's now XX/XX/XXXX and I haven't received my car title. 

I have contacted Hyundai Finance in writing in XXXX of XXXX, and I have called multiple times, in writing, I have contacted XXXXXXXX XXXX by phone and in written ( XXXX of XXXX ) for my title to no avail. I have recently ( XX/XX/XXXX ) conversed with Hyundai Lease Titling Trust directly to resolve this issue to no avail. Since XX/XX/XXXX of XXXX I have been calling and requesting every intity involved to aquire my title, as of XX/XX/XXXX I have yet to receive my car title. I have also visited my local tag office in XXXX, Georgia to aquire my title, I was informed the title hasn't been released from Hyundai Lease Titling Trust. 

It is my understanding, by law, a company has 30 days to issue the consumer their title. 

Please contact me on how to pursue this urgent matter. You may email at XXXX, or, you may contact me by my cell number at XXXX Cordially, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-10
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
I submitted a request to refund about {$7000.00} of my Aidvantage student loans on XX/XX/22. I have yet to have my balance update to reflect that, or hear any word ( well past the initial 6-8 week timeline they gave me ). I have called several times and continue to hear different estimates in terms of how long until I will receive this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Lists current creditor : LVNV Funding LLC NEVER dealt with this XXXX  company NEVER SIGNED ANYTHING NEVER GAVE THEM MY INFORMATION FRAUD INVOLVED Original CREDITOR NEVER DEALT WITH XXXX XXXX DO not have an account number ending in XXXX Charge off sate? during COVID XXXX XXXX XXXX full blown covid Are they stealing information from XXXX XXXX XXXX XXXX 

Have not paid XXXX since charge off date I have no such account never signed up with them never allowed any company to make them my creditor They are a XXXX  XXXX  company incorporated under different names How do you allow them? 

resurgent XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX .XXXX XXXX XXXXXXXX XXXX. 

Shut these XXXX  people down They call during off hours they swear at you they illegally use my home address they intimidate they are prejudice they are XXXX they think they hit on senior citizens stop the XXXX  from buying our data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: IL
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 received a correspondence from the major credit bureaus that these accounts were verified via phone, email, or fax. 
SOC SEC ADMIN OFFICE is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX US BKPT CT IL XXXX is fraudulent on my credit Account The credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
These are fraud, I didnt benefit, apply for, and authorize these accounts. Please remove them under the fair credit reporting Act of 1970 under 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]

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 2023-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter to Equifax, XXXX, and XXXX on XX/XX/2022 in regard to late payments being reported on XX/XX/2022 by " XXXX '' and XXXX, and XX/XX/2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-10
Company: Continental Finance Company, LLC
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment in the amount of {$200.00} was made on XXXX to XXXX XXXX, account ending in XXXX, does not show posted or pending as of today. XX/XX/10. I've checked with bank, payment does not show posted on their end or in pending status.. There appears to be an error on end of XXXX XXXX aka Continental Finance Company regarding this payment.

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 2018-10-29
Company: EQUIFAX, INC.
State: TN
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 have contacted Equifax on several occasions about information that is incorrect on my credit report. I called on XX/XX/18 spoke with XXXX and XXXX the supervisor. I called on XX/XX/18 and spoke with XXXX. I called on XX/XX/18 and spoke with XXXX. I mailed in copies of my drivers license and social security card on XX/XX/18. on XX/XX/18 when I called I was told there were at three 3 credit files under my name. they combined all the files and the inaccurate information as well. I have several accounts on my file that do not belong to me. I requested disputes on the following dates XX/XX/18, XX/XX/18, XXXX, XX/XX/18, XXXX, XX/XX/18 and XXXXI requested an incorrect address be removed from my account. On XX/XX/18 I received notice that the address of XXXX XXXX XXXX XXXX Mi XXXX was removed from my credit file but this address remains on my file. I have mailed Equifax at least ten copies of my address and social security number and every time I call they claim they can't verify my identity. I have asked several times how did they verify an account that is inaccurate if they can't verify my identity. The last time I called they asked me ten questions to verify my identity and finally on the 11th question they asked me what was payment on a credit card account I closed over two years ago and once I could not answer the question they told me they were unable to help me. I went directly to the website requested a dispute, I was asked four questions answered them correctly and was able to obtain the information I needed after the customer service rep told me they were unable to verify my identity and told me to send in another copy of my address and social security number which is the same address and social security number I sent in just one month ago. There are accounts from XXXX XXXX XXXX XXXX on my credit file I called XXXX XXXX and they have no information with my name and social security Equifax continues to report these accounts on my credit file. There are several collection accounts on my credit file such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have contacted these collection companies they also have no information with my name and social security number. I have disputed these items and followed up my dispute with a request to verify and validate these accounts with Equifax. Equifax has failed to fulfill my request. I have received no information on these requests. My last dispute was on XX/XX/18 regarding these collections, I never received any type of verification but Equifax reports on my credit file in the comment section " consumer disputes account ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid my mortgage using 2 separate checks from 2 separate bank accounts for years without issue. Round Point mortgage starting servicing my account a few months ago. The refuse to apply my payments. They have my loan listed as past due. They are charging late fees. The due date is the XXXX of each month. The full payment has been in their hands by the XXXX of each month but they refuse to apply it. I've spend more than 1 hour on the phone trying to fix the issue.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Account # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 report to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-09-14
Company: EQUIFAX, INC.
State: OH
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX  is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 2023-05-05
Company: EQUIFAX, 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 submitted a complaint last XXXX, XXXX and XXXX, XXXX. The companies involved responded. Some got deleted but there are still fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation