BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made an online deposit at Bank of America with a check that I received for payment in the amount of {$4200.00} from the company XXXX XXXX XXXX, as per the attached photo and another online deposit at Bank of America on XX/XX/XXXX of XXXX in the amount of {$1000.00} from the company XXXX XXXX XXXX XXXX XXXX, as attached, the XXXX checks were normally cleared to my company account. On XX/XX/XXXX my wallet was stolen and it contained the XXXX check sheets, which had already been cleared and on XX/XX/XXXX the value of the XXXX checks XXXX for {$4200.00} and another for {$1000.00} was withdrawn from my account, on the statement it is marked that there was a Debit Ad adjustment Duplicate, I made a report on the day of the theft, I called the bank, I complained about the withdrawal of the money, they told me that I would have up to 60 days to investigate the incident, because I called the bank and went directly to a physical branch, I talked to a manager and at the time she called the fraud department, because so far they haven't solved my case and they don't refund my money. I always call the Bank of America fraud department and they claim I deposited XXXX Xx the same check. 
Because the bank has an electronic system and doesn't allow me to deposit the check, I don't understand why the money disappeared from my account, because if I had deposited it twice, it would have doubled the amount in my account. I already called the respective owners of the XXXX checks and they informed me that the amount did not return to their account and other than that the manager suggested and opened another account of my company and said that I could receive my checks deposited and that there would be no problem with them paying the other account that is negative because of the amount withdrawn. 
Account number : Route number : Second open account suggested by the manager : Route number : I don't know what else to do, it's already been 90 days and they claim they won't refund the money and on XXXX I made a check deposit in the amount of {$650.00} in the new account I was using normally and on XXXX they transferred {$630.00}, XXXX for the account. they closed my account they don't want to return the money and they say that the checks were cashed at a check cashing house this is absurd because I had already deposited it once

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : 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 2021-10-19
Company: Clear Lending Corp
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA loan through Clearlending and on a VA loan you can not be charged more than 2 points for loan discount fees but this company stated that due to credit score it had to charge more and charged XXXX. They are also charging Contract processing fees which are against VA loan regulations as well as survey fees and an HOA transfer fee but I do not have a home picked out yet and am looking at ones that do not have an HOA. Seller will pay closing costs but I am still being told that I will have to put money down when VA requires XXXX down from a military member. These practices are illegal by this company and they should be held accountable, regardless of credit history.

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 2022-09-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The information listed on my credit report are all more than years old and reflect closed but have not been removed, please see below : XXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX - Closed on XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX- Closed XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX 2 accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent over affidavit explaining the violations on my credit profile and I havent heard anything 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 2022-11-18
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. 
Account name XXXX XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX, Account number # XXXX, Account Name : XXXX XXXX Account name : # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : # 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 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 eleve mane information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For approximately a {$500000.00} loan, which had both statutory and loan provision arrangements for restructuring, the bank reported unnecessary and harmful reports that it did not have to make to damage credit. It then reclassified borrower into a customer tier that prevents refinancing of the loan, that other customers can do. It then failed to update credit reports that all obligations of customer were in conformity with loan provisions or statutory provisions and instead reported and continued to report delinquent. The loan was also fully cured. The report and treatment and exclusion from products the bank has in place now for other customers with similar properties continues to be denied and extract some {$2000.00} per month in punitive improper interest. This rate penalty and product exclusion have been ongoing for at least two years and continues without redress. The report limits alternatives to this lender.

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 2023-10-11
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 information incorrect

Complaint:
This is my 9th request but no one seems to care. I want to dispute specific accounts in my credit file that do not belong to me. 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 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 explanation
Consumer complaint received 2021-10-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX I purchased a car at a XXXX dealership, which was financed through Nissan Motors Acceptance Corporation ), at the end of XXXX the car was in an accident and it was declared a total loss by the insurance company, which made a large payment through NMAC to cover almost the entire balance of the loan, there was a difference of {$1200.00}, which was negotiated down to {$330.00} and that was supposed to close the account satisfactorily ( NMAC claims that they have no record of this settlement in their system ) Instead the account was declared a charge off and has been reported as such for 3 years, I have unsuccesfully tried to dispute it several times and every time the account gets updated from bad to worst ) I disputed it again a few days ago and it was updated showing the following : XXXX, XXXX payments late as of this month and since XX/XX/XXXX. 
XXXX, reporting On time and Late payments after XXXX, even that no payments were made after XX/XX/XXXX. 
XXXX, no payment history reported. 

This malicious reporting has been a challenge for me and my family to obtain a home loan, especially with the 41 payments late reported, and causing unnecessary stress and harm, as well as countless hours of trying to communicate with someone at NMAC to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
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 looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with Bank of America and accounts with XXXX XX/XX/XXXX that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer.

12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors

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 2023-05-17
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-02-04
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After being told by XXXX 's loan mitigation rep named XXXX on XXXX, that I would be allowed to make XX/XX/XXXX and XX/XX/XXXX repayment payments by the end of XX/XX/XXXX, I was once again deceived by XXXX. When I called and stated I wanted to make the payments, I was told that all of the money is now due and payment could not be accepted for anything less than that. 

**CFPB, I need you to do something about XXXX XXXX numerous deliberate and willful deceptions made to speed the foreclosure process on my home. Just accepting their letters of even more lies and omissions should be a crime and shame on you for continuing to allow this. I am going to call my US Representative and both of my US Senators and complain that you are doing nothing more than collecting data and this is another federal taxpayer paid bureaucracy we American citizens can very easily live without!!!. You were not created to protect crooked mortgage Servicers** First XXXX told me that they would not honor my previous Servicer 's repayment plan made with me after my COVID19 Forbearance had expired with even another previous Servicer. This caused me to miss the XX/XX/XXXX repayment, which is the outcome they wanted. 

Then they sent me an application for a modification that I received a week after the date it was due to be returned. 

Then they sent me a package to sign and return to them by XXXX noting that I accept a repayment plan with them. I faxed it back to them on XXXX. 

When I called them to make sure it was received they did state that I could pay XXXX payment by XXXX and XXXX by XXXX. And he also stated that XXXX 's payment would need to be paid by XXXX. I was to call back with my checking account info or the rep would call me the following day. 

When I got home and checked my check register, I seen that I had already made another payment for that date with another creditor. So I called XXXX back and requested an additional XXXX weeks but that I could still have all repayments current by XXXX. XXXX 's manager stated that both XXXX and XXXX 's payments would need to be made by the end of XXXX. Even that was another lie told by XXXX. 

ALL REPAYMENTS WOULD HAVE BEEN MADE ON TIME IF XXXX HAD NOT LIED AND SAID THE PREVIOUS SERVICER 'S REPAYMNET PLAN WOULD NOT BE ACCEPTED BY THEM. I could have continued on as I was doing, just as the XX/XX/XXXX had been made directly to XXXX via USPS certified mail. 

XXXX instead terminated the repayment plan only a few days after they had even acknowledged it and then sent me a letter dated XXXX stating that. 

Then on XXXX, they filed a lawsuit to foreclose on my home. 

All of their actions appear to have been preplanned and deliberate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX $ XXXX Email- XXXXXXXX phone- XXXX I was recently a CASH APP Customer for over two years. They deactivated my account for whatever reason. In the midst of my account being deactivated I received a returned payment from a purchase I made at XXXX XXXX XXXX Clothing store.

XXXX XXXX XXXX returned my funds back to cash app XX/XX/2019 in the amount of {$370.00}. Its been over one month and I have not gotten my funds. I wrote them and they stated it takes up ton 10 days but its been well over yen days. Ive been sending emails daily with no response about my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Equifax on XX/XX/21 about some accounts reporting on my report that are due to Identity theft becuase my information was exposed in the Equifax data Breach but they told me it would be completed in XXXX business days once I sent in my documents well I havent heard anything from them and these fraudulent accounts are affecting me to obtain housing, I " trying to provide a place for me and my daughter and this in affecting me really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX is violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to XXXX & XXXX to report anything on my 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete all other addresses and names for privacy and accuracy. 

Please delete all employers. They are no longer valid nor accurate.

Company response to consumer: Closed with explanation