BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX auto loan balance has not been updated on my credit report since XX/XX/XXXX. Per conversations with XXXX XXXX, they claim they've been sending monthly updates, however none of my credit reports are accurate. There is a break down in the process somewhere which they're not acknowledging. 

They all show an incorrect balance of XXXX with last payment date of XX/XX/XXXX. 

Correct balance as of XX/XX/XXXX is XXXX - last payment in XX/XX/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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have sent XXXX letters to Transunion because there are inaccuracies on my credit report. All letters were sent certified from my home mailing address by me. The 3rd dispute letter I sent to Transunion was asking for verification on how Transunion was able to verify an inaccurate account. They did not send another letter after asking for verification and according to the Fair Credit Reporting Act, I have the right to get an explanation on how Transunion investigated my account and without proof of verification the account must be deleted. TransUnion sent a template letter without ANY proof of the investigation process in which I still have an inaccurate account on my credit report. The account must be deleted.

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 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a mobile check on, Wednesday XX/XX/2023 to BANK OF AMERICA mobile banking application. In the amount for {$2900.00}. XXXX no. XXXX. From the State Treasurer of XXXX XXXX for my state XXXX XXXX The account payee is Bank of America. I called the bank on Friday to inquire for the reason of the hold and spoke to XXXX : ID no. XXXX who is located in South Carolina. She can not give me any details other than they are trying to verify the funds of the check??? I find that weird. When it a Bank of America Check?? I told her I received an email from them stating that the check would be released on XX/XX/XXXX at XXXX, reference number is : XXXX. As of XXXX date XXXX, 2023. Marks a hold for 4 business days, without cause or justification for the hold to my account. Its the first of the month and I have bills, rent and food to buy!. I have asked the Bank of America in person if they can return or release the check bak to me. So that I can deposit it with my Credit Union and have no hold on this check. They said to call customer service to that. I call yesterday on the first at XXXX ; XXXX, and they had me on a very long hold over and one hour. Please help Bank of America RETURN OR RELEASE MY FUNDS! PLEASE.

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didn't authorize. Additional inquiries, XXXX XXXX XXXX, XXXX, XXXX, XXXX dated XX/XX/2022. In accordance with the Fair Credit Reporting Act XXXX Account ( XXXX Transunion, XXXX ) has violated my rights. 15U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.SC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please have inquires removed from my credit file because it is making it very difficult for me to acquire credit. Thanking you in advance.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi. My name is XXXX XXXX ( last XXXX SSN XXXX ). I have two items on my credit report that I feel are incorrect. 

First, is an alleged debt from XXXX XXXX XXXX in the amount of {$3000.00}. This debt has been reported on all three credit bureaus. This alleged debt amount is from an apartment complex that was shared by myself and my significant other. We never received anything in writing from the apartment complex regarding an outstanding balance. How can a company place a debt in collections without at least giving consumers the opportunity to pay it? This debt has also been applied to my boyfriends credit reports as well. We have not way of verifying the validity of this collection account. Personally, I feel as though this is retaliation on behalf of the apartment complex for several complaints we had made prior to our lease ending. Ive reached out to the credit bureaus regarding my concern ; my dispute came back as valid. 

Second, is my account with XXXX XXXX XXXX. My credit card account was closed by them back in XXXX. Theyve recently decided to report a balance increase last month on a closed account, which is causing my credit score to drop even more. 

These credit agencies/bureaus should have a more uniform, consistent manner in which they can report/add items to consumers credit. We are literally at the mercy of them, which is so scary because we need credit in order to live. Erroneous credit items and illegal reporting is costing Americans XXXX, maybe XXXX  of dollars.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my Transunion credit report, I found a hard inquiry from a company that I did not recognize. 

XXXX XXXX XXXX XX/XX/2023 I called Transunion to have it removed, as this is affecting my credit score negatively and impacting my young family 's ability to grow financially. I was told by the Transunion representative that I would have to submit a written request to the company asking for documentation directed to Transunion to remove the inquiry. Imagine that. A company you don't know and never contacted, pulls your information from a bureau ( only Transunion for that matter ) without your consent, Transunion gives them your personal info without your consent, and then demands you to request documentation to rectify the issue they created by illegally giving out your information in the first place. Absolutely ludicrous!

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 2023-05-02
Company: NEW YORK COMMUNITY BANCORP INC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. Flagstar has been my mortgage lender since XXXX. 
As of last month, I requested a payoff statement, which I received good through XX/XX/XXXX, in the amount of {$80000.00}. 

On XX/XX/XXXX, I had my bank wire the full amount. This morning, that same amount was redeposited back to my checking. 
It appears the payoff statement did not include the upcoming insurance premium that was paid 5 days after the payoff quote date. 

Flagstar Bank rejected an XXXX payment because of a negative {$260.00} balance caused by the insurance / escrow short payment. 

So. I am out {$25.00} for the cost of the wire transfer ( and another {$25.00} to resend a XXXX wire ) ; and then the new payoff that has been quoted today is approximately {$420.00} more. 

I am appalled that a financial institution would bilk a good paying customer for pennies! 

I made a {$150000.00} payment in XXXX, and then paid another {$80000.00} per their payoff statement only to have THE PAYMENT BE REJECTED IN WHOLE! 

Why did they not at least post my payment to the account? I was told procedure has it that if a payoff balance has been quoted, and the incoming payment does not match that of the current amount due when WIRE is received, it is to be rejected. 

I spoke with multiple people and each one gave me a different explanation as to why they didn't even accept the payment. My complaint was escalated to a supervisor ( who refused to give me her last name ; first name XXXX ). Very frustrating having a supervisor treat me as if I were not worth her time, nor to assist to correct their error. Why did they not include the price of insurance in their payoff quote. Was told it is listed on payoff- which is inaccurate, because what is listed is the current balance of escrow and a note of when next insurance payment is due. In my particular case, the escrow balance was {$1200.00} ; at the time no insurance payment was due. It came due tho, XX/XX/XXXX... 

This is a scam. They issued to me a second payoff quote today, that is now good through XX/XX/XXXX in the amount of {$81000.00}. The first payoff quote was for {$80000.00}. 

I asked them to provide me the payoff quote as of XX/XX/XXXX, and they sent it for XX/XX/XXXX. 
When I asked them to correct the date they advised they could only request XXXX payoff quote per day. I want to have this paid off as of XX/XX/XXXX... 

When I advised them not wanting a payoff quote for XX/XX/XXXX, their response was to make the new payoff quote amount and if any balance remaining after posting to account, they would refund within 20 days by check. 

Does this sound like an up and up deal to you?

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of 1974! 

Account number XXXX Recent Balance, {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXX is legally also not even licensed to collect debts within the state of Pennsylvania!

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 2023-05-02
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: Account status incorrect

Complaint:
This was cancelled debt and is accurately being reported per 15 usc 1681e ( b ). I filed a dispute and it is still reporting to all three bureaus. 

XXXX XXXX Credit card

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 2022-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

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 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX over this matter and they said to contact police. This debt was not mine it was my ex son inlaws debt through cox this has been going on for 12 years they used my ssi number and put it on my credit report. I don't think its right to go through so many years of being hassled by these people and using my ssi number for their benifits.

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 2023-05-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
At the end of XXXX in XXXX Chase closed our account due to suspicious activity. We received the money already in our accounts, however we have not received two checks for {$2200.00} and {$620.00}. 
In XXXX of XXXX we went to a branch and were told these checks were sent back to the Department of Treasury. My husband worked with his commander to have these checks reissued, but they were told they had already been cashed. 
I spoke with Chases fraud department today, XX/XX/XXXX, and was told the did not send back the funds but that they were unable, and are still, to verify the checks in question were issued. We were told there was nothing either party could provide to prove we had not received the funds or that the checks were valid. 
Their resolution is to allow the funds to hang in suspension for up to two years and let them go to unclaimed funds. Which we would likely have to pay more taxes on after we already had them taken out of the checks initially. We do not feel this is an acceptable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX CT XXXX, GA XXXX is not my address. 

Also inquiries are reporting on my credit report that I dont recognize XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/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 2023-05-02
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This XXXX bank is being run by XXXX XXXX XXXX 

They reversed an ACH transaction initiated from an external bank without any rhyme or reason and that days after it was completed. I know the person that will respond to this complaint will flat out lie about this, so I am letting you know that I have a 2.5 hour recorded call where a supervisor XXXX and XXXX who both admitted that this transaction should not have been reversed. In fact, I had another transfer of XXXX from the same bank and done on the same day that these XXXX  didnt even bother to touch. 

This is just the beginning of the XXXX and lies told by these XXXX. That supervisor filed 2 complaints for me and told me that some one would reach out to me within 5 to 10 business days. Both those complaints went into a black hole and non one contacted me. 
XXXX Complaint against XXXX XXXX XXXX who wont even tell me the reason for the reversal, just kept asking me to try again like an XXXX  - XXXX XXXX Case for Reimburse XXXX After patiently waiting for weeks, I called again and was told that both these cases were closed and they dont know why and by whom. 
I asked XXXX to open another case - XXXX Then I get a XXXX  voice mail from someone called XXXX on XXXX asking me to call their customer service. And then this cycle of XXXX starts again. Their supervisor XXXX now comes up with another lie out of thin air that the account that was transferred from was not " verified ''. That is a flat out lie as I had multiple transactions with the same bank and same account in the past. And in the previous call on XXXX both XXXX and XXXX had confirmed that this account was already full verified and this ACH should not have been reversed. But like usual with XXXX, they will keep repeating the same lies till the customer gives up in frustration. Like this wasnt bad enough, this supervisor XXXX then just proceeds to disconnect the call. 

To the person who is responding to this complaint, I have fully read the account agreement, it doesnt allow you to reverse XXXX transactions for your own incompetence. And before you even try to say that this was for my security, I will advise you that I have a recorded call where 2 of your agents confirmed that this account was already fully verified and admitted that this transaction should not have been reversed. On top of that, I had proactively called your bank 2 days before the transfer to inform you that I have initiated these 2 transfers from my external bank. And if that isnt enough for you, XXXX allowed a XXXX transaction from the same bank, account date and time. So you dont have a leg to stand on. If you lie about anything related to this complaint, I will drag you into arbitration.

Company response to consumer: Closed with monetary relief