BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, between XXXX and XXXX Central time, an unknown person stole {$9700.00} from me. The perpetrator gained access to my online Bank of America account, changed my password and pin #, transferred {$9000.00} + $ XXXX ( {$11000.00} total ) between my two existing accounts, and then withdrew {$4800.00} + {$4900.00} ( {$9700.00} total ) in cash from a Bank of America location in XXXX XXXX, California at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, respectively. I filed two separate fraud claims with Bank of America ( Reg E transaction and Unauthorized withdrawal ), as well as identity theft with the XXXX XXXX police for an investigation, but my bank fraud claims were both denied shortly after they were made because the person had my pin #. This is absurd. I come from NY and am based in XXXX, TN, and have never stepped foot in XXXX XXXX nor have any family there ( or anyone who would have access to my account ). If the perpetrator was able to get into my account, then of course he would be able to hack into and change my pin #. To stop the perpetrator from stealing any more of my money, I withdrew my remaining money from my two accounts at the XXXX location ( {$68.00} + {$10000.00} ) and had the associate place balance holds on the two accounts, preventing money from being withdrawn. 

In addition to accessing my Bank of America account, this perpetrator also got into my XXXX XXXX account and temporarily transferred my phone line to his device, rendering me unable to stop him on the spot via phone call. I had to go to the closest XXXX, XXXX, TN Bank of America location ( XXXX XXXX XXXX, XXXX, TN XXXX ), which was where I learned the extent to which this was happening ( I could not get into my account prior because the perpetrator changed my password and pin, as stated prior ). All of this was happening while I was at the XXXX bank location ( XXXX XXXX was my associate ), and they would be willing to provide a statement if that can better my case. The fact that someone was able to go into a Bank of America location and withdraw money from my accounts acting as me is preposterous, as no one should be able to withdraw such large sums of money without a verified ID.

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 2021-07-16
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted a request to FirstMark Student Loans to complete a form for my employer to verify how much I have paid on my loan for the past year for reimbursement purposes. It has been over 30 days and despite multiple assurances it has been expedited, I still have not received the completed form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Possible Financial 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: Old information reappears or never goes away

Complaint:
I have tried multiple times ( using a credit repair service ) to write them to remove the late payments or closed accounts, and every time the credit repair company sends them a letter I get it back in the mail stating its " undeliverable due to incorrect address '' I have paid for these credit repairs services over the last 2-3 years and they write to this company and CHARGE me for each letter. The address listed on my credit account is WRONG and there's no way to contact them by phone number, the XXXX number listed in their " Customer service '' is false as well. The line rings and then connects and just stays quiet. Good luck sending them an email, they'll get back to you until you mention you want to delete the late payments and then they don't respond. I'm in the process of trying to purchase a home and the COUPLE of late payments are hurting my score, and also my husbands.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Suntrust has used fraudulent and non-transparent 'posting dates ' to steal from me. They will remove money from the account, then return it, only to take the money back once the given charge would drop my balance below zero. This is clear theft by deception and fraud. Additionally, I have directed Suntrust to DENY any transfer that would lead to insufficient funds, yet they still chose to defraud me by ignoring this directive. Suntrust has committed theft by deception.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue. & I sent a letter to the company asking to verify that this account is mines. Its been more than 30 days I havent received any mail response. Just non stop phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In one month my account was fraudulently hacked and withdrawn for XXXX and the bank is saying some were authorized and the other was denied to to time frame in which was not even 10 days WELLS FARGO 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 2023-03-30
Company: Possible Financial Inc
State: MD
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 am writing concerning inaccurate negative reporting on my credit reports from Possible Finance. As of today, XX/XX/XXXX, my XXXX and XXXX reports are reflecting that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the Possible APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with Possible Finance. I have email confirmations of my payment schedule and payoff dates from Possible Finance to confirm. 

I have attempted to dispute this inaccurate infomation with XXXX and XXXX, and I have contacted Possible Finance via email to resolve this issue. Possible Finance refuses to remove the inaccurate reporting from my credit reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX  I check my balance on XXXX Originally when I had saw the debt on XXXX it was XXXX I was set to pay that I was never disclose that the debt collection will be adding fees Today on XXXX XXXX I learned they will be charging me {$800.00} in fees that was never disclose to me I called the dental office where the debt is coming I made {$300.00} in the year of XXXX Which mean the debt decrease to XXXX but I check its {$3000.00} Not only the debt collectors arent updating anything but adding without disclosing any information I had no idea how it and when it happened but its got to go Even when I had ask for debt validation they sent me XXXX nothing more Dental office clear it was that amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-04-07
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I'm using Mohela for XXXX XXXX XXXX XXXX and they sent a letter that there are issues with my application and that I should contact them ; however their phone number is only an automated system with no way to talk to a human. I've looked on the internet and it seems that there is no way to talk with a human about our loan applications through Mohela. Because of deadlines and the importance of borrowers who work in public service getting our loans forgiven in a timely manner, as the ONLY servicer of PSLF loans, Mohela should have a ROBUST customer service department!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09
Company: Experian Information Solutions 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:
Hello I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXX XXXX  sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. 

I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a XXXX late to my credit bureaus. 

I am in the middle of a real estate transaction and the XXXX late cause a XXXX drop in my credit score. I called the Customer Service Department of XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported 30 days late and it would not be removed. t be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment of {$350.00} this email did not ask for two car payments The email dated XXXX XXXX XXXX cleary asked for one payment to be made before XXXX XXXX XXXX to avoid a 30day late. I made a complete car loan payoff before XXXX XXXX XXXX, why is a car payoff treated any differently with XXXX. I completed a payoff before XXXX XXXX XXXX well before XXXX XXXX XXXX there should be no 30day late period ... .. whether payment or payoff.. 

I want this corrected immediately as its only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. I will take legal action against XXXX if this is not corrected with all three major credit bureaus.

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 2021-03-17
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, Account # XXXX I have previously sent you a request to validate my debt, account number XXXX on XX/XX/2021 and XX/XX/2021. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, 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 2022-11-14
Company: Experian Information Solutions Inc.
State: NY
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 Name : XXXX / XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX : Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX In accordance with the Fair credit reporting Act The list of Accounts above has Violated my Federally protected consumer rights to privacy and confidentiality under U.S.C 1681! 5 U.S.C 1681 section 602 ( A ) States i have a right to Privacy 15 U.S.C 1681 section 604 ( A ) Section C it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 ( C ) ( A ) XXXX States no consumer reporting agency may make any consumer report containing any of the following items of information any other then records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 1681 2 ( A ) XXXX 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 2021-05-03
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is contacting me stating that I owe them money but I dont have a contract with them nor have I ever signed anything or agreed to anything. They are unable to provide proof of debt and or anything viable proof that own them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: IL
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:
hi I can't believe you guys are taking advantage of me. I am very upset the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. these are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting ABSOLUTERE account number:XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and my information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.

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 2021-03-17
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed debit card XX/XX/2020, but left the routing & accounting number open and account has a positive balance and company keeps giving the run around about re-activating the account. 
Company gives the same answers and offers the same solution that hasnt revealed any results and they are still in possession of my money on the 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 2023-09-12
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 am a victim of identity theft. I have several unauthorized accounts on my credit report. Please remove them immediately.

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