BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2024-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a 401k loan with Bank of America. I called and spoke with a customer service agent from Merrill lunch about my 401k payments and had mentioned to the agent that with my payments coming out from my part time job I would have missed payments since I dnt work that many hours but I could link my payments to be deducted from my bank account for there to be a none issue. The agent let me know that was not an option. I had asked the agent if missed payments would effect my loan or if I would lose my loan or if interest would change or if it would effect taxes. She stated no they would send a statement asking for payment but I will not lose my loan or be penalized for my loan as long as I had paid the amount off by the agreed amount of time of 4 years. I then call a few months later and asked a customer service the same question and they stated missed payments would not effect my loan. Soon I notice on my pay checks that had the funds to collect for my 401k payment where not being deducted. I called and asked merrill lynch what was going on and they said my loan was now seen as a withdrawal and Im required to pay the full amount of my loan off by the end of XXXX or I will be sent a 1099 as my loan as viewed as a withdrawal. I told them that I was not aware of this and I had been informed as long as my loan was paid off by the agreed time of 4 yrs I would not lose my loan or my loan would not be effected by taxes or interest change. I told them I would like to pay what I am behind as I was informed by a customer service rep of different information. They said there was nothing they could do and they would try to see what could be done and call me with in 24-72 business hrs. I never heard anything back. I understand that customer service representatives make mistakes, but when Im being sent a 1099 and am having to pay taxes on my 401 k that I have worked hard for and would like to keep and now and being required to pay a high tax rate for a withdrawal of a 401 k that was not my error. I asked questions to make sure I understood my loan. I was informed with wrong information and Im being held accountable for this. Im wanted to pay what Im behind and have my loan reactivated.

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 2024-01-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian Credit Reporting does not seem to be in alignment with XXXX and XXXX ; the information is always so different. Experian does numerous " soft inquiries '', many emails offering credit, etc. I do not think they are legit and should no longer do business or have business representing consumers. 

Experian reflects negative information on consumers like myself that is victimized by their notorious and inaccurate reporting that hurts a lot of consumers and it needs to stop! This company is releasing -- sharing consumer information to third parties. Something needs to be done with this. They are truly hurting millions of consumers that are minority and low to middle consumers. Everyday there is an email from them offering credit options. There are many people that are homeless, jobless -- and completely in miserable situations because of these credit reporting agencies like Experian. It has to stop! XXXX XXXX, minorities and low income -- like myself have been victimized by this company that has been existing for years and continue to victimize and control innocent and decent citizens. 

After many years researching, this company has put many homeless. I pray you will investigate, research and delete this company as being a part of a legitimate " American credit reporting Agency ''! 

XXXX sees and knows All things.

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 2024-01-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Got XXXX fell behind on the mortgage

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 2024-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Beginning XXXX XXXX XXXX  there has been a string of fraudulent withdrawals from my California XXXX/Bank of America debit card . Upon the first instance of funds being fraudulently withdrawn from my account, Bank of America subsequently credited the funds back to my account on three consecutive occasions, as each time funds were deposited, they were immediately fraudulently withdrawn from the account. On the last claim, Bank of America has declined to make me whole on the premise withdraws occurred via XXXX XXXX. During the course of several different phone calls with Customer Service Agents at Bank of America, we discovered that the theft was coming from a breach in security from which thieves were able to learn/use my account ID, password, Driver License information, social security number, etc., which they then used to call XXXX XXXX impersonating me to request " emergency funds '' to be released from my XXXX/Bank of America account . To my knowledge B/A has not done any outside investigation upon which to base its conclusion that I was the one who made the request nor prove whether or not it was myself who picked-up/received the funds. On two separate occasions I have submitted documentation of my own investigation, the police report I filed and documented the conversation I had with a XXXX XXXX Manager in Fraudulent Transactions. This manager walked me through how someone via telephone can impersonate me to request emergency funds. This information was included within my report to B/A on XX/XX/XXXX and XX/XX/XXXX. I noted that all previous claims have been reimbursed with the exception of the last claim on XX/XX/XXXX. After submitting a second request on XX/XX/XXXX there was no confirmation, reply or acknowledgment from B/A regarding this request to review and reimburse nor has anyone from the department making these decisions reached out to me personally to discuss this fraudulent situation, where monies were stolen not only myself, but also from CA XXXX  and Bank of America . As of XX/XX/XXXX I spoke to B/A Fraud Complaints to reopen this case and have so been advised to wait a decision 4-5 weeks out.

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 2024-01-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/2023 I opened a Barclay 's Banana Republic credit card, which was supposed to be mailed to my home address within two weeks of the opening date. I did not receive the card, and as a result, I had to pay my initial bill over the phone. 

Since I did not receive my initial card, I have reported the card lost and have attempted to have a replacement card sent to my school address THREE times since opening the card. I still have not received my credit card, and as a result, I have not been able to create an account with the company, use my card, or view my credit score. 

Since I have been unable to use my card, my credit score is dropping due to low utilization. Each time I request a card over the phone, I am informed that I will receive it within 7-14 days, and the address I verify that the address they are sending the card to is correct, however, I have NEVER received my card. 

I would like to know what can be done about this, especially as this is impacting 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 2024-01-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian thinks by flooding the system with XXXX ridiculous explanations that have absolutely nothing to do with the problem, THIS PREDATORY COMPANY STILL WORKING ON THIS ISSUE WHILE CLOSING XXXX OTHERS THAT ARE THE SAME PROBLEM AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full on XX/XX/2024 XXXX, I paid the debt with my XXXX XXXX XXXX please see attached and on page XXXX of XXXX XXXX XXXX XXXXXXXX {$630.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 disputes experian lies and says are ready to view, lie lie lie lie lie lie lie lie lie, DO NOT FALL FOR EXPERIAN TACTIC TO GET YOU TO ENGAGE AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-28
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
This company has failed in the obligation of permissible purpose 15 U.S.C. 1681b.

They have furnished my account without the written insturctions of whom the consumer relates.

I did not give them permissible purpose to furnish my account nonpublic personal information they have invaded my privacy and had no regard for the privacy rule 15 U.S.C. 6801

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 2024-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Someone used my XXXX account debit card and took over {$22000.00} and Bank of America denied my claim. 

Someone made over 30 transactions using my debit card between XX/XX/23 to XX/XX/23, and BOA refused to investigate. I couldnt take out any money at the beginning of XX/XX/2023, so I called BOA to find out why my card was not working, and they said Because you used all your money your balance is {$1.00}. I was shocked, I told them I had not even used my card since XX/XX/2023 and I filed a claim with Bank of America. But the bank said, Since we found several transactions where your card was present and the chip on the card was read and since your card was in your possession your claim has been denied. And they refuse to investigate and give me my money back. When I asked them again they just sent me a copy of several pages of transaction activity that I never made. Then I asked help from XXXX XXXX XXXX XXXX  ( XXXX XXXX ) and they contacted BOA and BOA refunded {$5000.00} to me, but BOA dined the rest of my money which is XXXX. So please help me get back my money.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 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 explanation
Consumer complaint received 2024-01-30
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
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:
I am writing to file a formal complaint against KIA Finance for their gross negligence and repeated failures in handling my vehicle registration transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since XX/XX/2023, I have faced numerous roadblocks due to their incompetence, jeopardizing my compliance with legal requirements and causing significant financial hardship. 
The Issues : Incorrect Titling Address : Despite repeatedly clarifying that the title 's garaging address XXXX XXXX XXXX  differs from the mailing address XXXX XXXX XXXX KIA Finance continues to send the title with the incorrect address. This critical error prevents me from registering my vehicle in XXXX, where I have resided for nearly XXXX months. 
State Requirement Violation : New York law mandates vehicle registration within 30 days of establishing residency. Due to KIA Finance 's persistent errors, I risk exceeding this legal timeframe and incurring potential penalties.

Inadequate Customer Support : Despite assigning an Executive Customer Support representative in XX/XX/2023, communication remains abysmal. My attempts are met with lengthy response delays, conflicting information from lower-level support, and a complete lack of proactive updates on the title 's status. The last contact, in XX/XX/2023, was only achieved after directly involving the representative in a call with the MA  RMV to expose their consistent form submission errors. Since then, I have received no further communication despite repeated attempts. 
Financial Burden : KIA initially acknowledged their responsibility by covering the cost of re-registering the car in MA in XX/XX/2023. However, after this call with the MA RMV confirming their incorrect form submissions, they inexplicably retracted their admission of fault and refused to reimburse the resulting insurance overages I incurred.

My Request : I urge your immediate intervention to resolve this frustrating and costly situation. I request the following : Expedited Address Correction : KIA Finance must submit a corrected form to the MA RMV reflecting the accurate garaging address ( MA ) and mailing address ( NY ).

Investigation and Corrective Action : Conduct a thorough investigation into the repeated titling address errors and implement robust measures to prevent future occurrences.

Improved Communication : Facilitate effective communication with KIA Finance, mandating regular updates on the title 's progress and establishing a definitive timeline for its arrival.

Reimbursement : KIA Finance must honor their initial acknowledgment of culpability and reimburse me for the insurance overages they caused due to their negligence.

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 2024-01-27
Company: SIMMONS FIRST NATIONAL CORPORATION
State: KY
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:
Reported me for bad debt I didn't know about. They never called me I had to find out on my own why my credit score dropped. I paid promptly when I found out. My XXXX XXXX went from XXXX to XXXX. All they had to do was let me know. Do you think a man with this score doesn't pay his bills.

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 2024-01-25
Company: Experian Information Solutions Inc.
State: NH
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:
EXPERIAN is obligated by the FCRA to report accurate information. consumer has called into EXPERIAN and advised ALL inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer. consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer. EXPERIAN has 15 days to provide consumer with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 
EXPERIAN is securitizing consumers data yet refuse to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT.

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 2024-01-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian starts today like all others with a XXXX, they closed yet another complaint without addressing the issue but once again gives absurd explanations

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 2024-01-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
IVE DISPUTED THIS ITEM NUMROUS OF TIME ON MY CREDIT REPORT. 
XXXX XXXX XXXX IN aCCOUNT NUMBER XXXX. IVE ASK THEM TO VALIDATE THE DEBT, IT IS NOW DAY XXXX, AND STILL HAVENT HEARD ANYTHING FOR THEM. SO IM ASKING THAT THIS ITEM BE REMOVED.

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