BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/21 Wed - I had over {$500.00} in my checking account and for an expense I withdrew {$400.00} which kept balance at {$100.00} above the {$25.00} minimum balance requirement. I know the salary Direct deposit would happen on XX/XX/21 so I did not worry about the balance being too low. 

Unknown to me, I received emails about account balance being below {$100.00} today on XX/XX/21 at XXXX XXXX which I saw later this morning and found my account balance @ negative - {$340.00} which included two charges of overdraft @ {$35.00} each. The overdraft happened overnight during late hours from a Check I had paid 2 weeks prior to my residential building for a rental application fee of {$500.00} - this cleared/processed overnight and there was no way for me to put more money in account. I had forgotten about this check and as I move my money to savings, I had scheduled to move {$2000.00} to which also happened to go through late night XX/XX/21. 

The {$2000.00} transfer would have happened before the withdrawal of {$400.00} on XX/XX/21 as I had a balance of {$500.00} and change before withdrawing the {$400.00}. However the bank transaction item lines are arranged differently meaning I could not have seen/ gotten flagged of low balance. Regardless, I put back {$380.00} by the BOFA ATM, to bring a/c balance above the {$25.00} minimum required balance. 

I called Bank of America and explained, they acknowledged the situation as due to unfortunate processing timelines hence unavoidable but they refused to remove the fees. I did not delay in bringing the balance back to the required minimum the same day ( today morning of XX/XX/21 ) but they did not care. I called them twice more and even spoke to a Manager to no avail. 
I have been a BOFA customer for over 11 years now but they did not care. 

In summary, they are stiffing me with a {$70.00} overdraft fee.

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 2016-03-08
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX XXXX XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-02-08
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I contacted Caine and Weiner to settled on a debt. In that recorded call I stated I was calling to settle and close on a debt. The representative pulled my information and told me the settlement amount and reiterated this would in fact close the debt and account out and a letter would be mailed to me. Upon making the payment the company reported I didnt not close the account I made a payment and this made my credit score drop 45 pts! I contacted the company back stating their wrong report and they tried to say I didnt say I was closing the account but I provided proof and I wasnt taken serious until I told them anytime you call a debt collector stating you want to settle and close a account that means the account is closed! It wasnt until I threatened to contact a lawyer that the company corrected that I in fact settled and closed the account. However the 45 pts dropped from my credit score I need back! This company purposely reported that incorrect information which effected my credit score! And they need to fix there mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I am a victim 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 2020-02-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XX/XX/XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX. see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XX/XX/XXXX USAA PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2015-07-29
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a auto loan with CPS Consumer Portfolio Services Inc. on XXXX/XXXX/14, I informed them that the vehicle odometer was tampered with, and the dealership refused to pay my old auto loan off which damaged my credit. After reviewing my complaint. CPS informed me that this loan was null and vold because the Auto dealership violated their agreement with CPS, regarding opeing up a new loan with me because I had XXXX auto loans currently open. I ask CPS to provide me with a letter explaining this information before I return the car, because I was n't confident my credit would be safe without any documentation of our conversation. I never received a letter. The phone payment system stop processing any payments, and two weeks they repo the vehicle and they are not responding to my inquiries. I 'm afraid they are going to ruing my credit score and not going to remove this from my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender is refusing to review the clients loss mitigation package because it was submitted by a 3rd party on the clients behalf - It should not matter where the package was submitted from - the lender should review the client for all options when a full loss mitt package is submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The original debt is with XXXX. When my husband lost his job, I signed up with a consolidation debt company to manage the outstanding debt I had. XXXXXXXX XXXX did not wish to participate. My communications with them stated I wanted to pay the debt but make arrangement. When it when to collections, the third-party agent " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX phone ( XXXX ) XXXX attempted to collect. As it is my right under the FDCPA, I filed a cease and desist order under Public Laws XXXX and XXXX. It was sent to, received and signed for a XXXX at XXXXXXXX XXXX XXXXXXXX on XX/XX/2020. 

On XX/XX/XXXX, the courts served paperwork to my husband ( for me ) at our residence. Case is in XXXX County District Court ( Kansas ), case number XXXX. 

It would appear this action was a CLEAR and INTENTIONAL violation of the FDCPA and I wish to submit my claim they indeed violated this. I wish to have the suit dropped and demand {$1000.00} judgments, per the FDCPA law. I would wish to seek settlement with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: SinglePoint GI
State: OH
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 have been going over my credit report I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 customer 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 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 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a customer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no customer reporting agency may make any customer report containing any of the following items of information any other adverse item of information, other than recorded of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 as well

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX had a database breach and I was effected by it. All 3 of my credit reports were effected XXXX, XXXX and transunion Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, Account name : XXXX XXXX XXXX / XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name:XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX 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 believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: ASTA FUNDING INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I can only give you today 's date because it is the last straw. My husband and I have been getting called at least twice or three times a week and they always call from a different number because we have blocked their calls but they keep on calling. I have politely requested on several occasions not to call me or my husband anymore, howeve they have ignored our requests. The collection company is Palisades Collection LLC.  The calls are regarding a case that has been closed since XX/XX/2011 and has changed collection agencies 3 times. Now I'm trying to refinance and they have sent a fraudulent letter to the mortgage company who has forwarded the fraudulent letter to me at my request. When my mortgage company told me about this issue I started contacting Consumer Agencies for help with these harassing and fraudulent issues. It is effecting my health and well being because of the stress the company is placing on myself and my husband. I'm also contacting the State Attorney General 's office and placing a complaint with them as well. I fear that if this behavior is going to continue there will be medical attention that will need to be addressed and I believe I should be compensated for all charges from Palisades Collection LLC. should it come to that. I don't know where to turn for help when collection agencies are able to write letters to companies and also calling these potential institutions with lies and deception. Please help me or provide information that can stop this harassment and stop them from ruining my reputation with fraudulent letters and calls. Any help you can provide will be greatly appreciatedl Respectfully Submitted!!

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 2023-12-07
Company: EQUIFAX, INC.
State: FL
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:
My credit score is being affected by a charge made by XXXXXXXX XXXX XXXX XXXXXXXX after the fact I paid all my debt with them and made a payment XX/XX/XXXX. I was told I would receive a letter stating I paid off the debt. I never received a letter or notification about this or any other payment that needed to be made. After contacting the consumer financial protection bureau, the head of the total loss department XXXX XXXX XXXX XXXX, XXXX spoke to me over the phone on a recorded line and also mailed me saying that the credit situation was fixed, that after further investigation the account had been fixed, closed and the balance was paid in full yet I am still seeing a month or two later a late payment once again being reported from them. My credit continues to be affected and they continue to say I owe them money, which I dont

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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/2022 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2022-11-06
Company: EQUIFAX, INC.
State: FL
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 Account name : # XXXX, Account name : # XXXX, Account name : # 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 believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cash app was cleaned out XXXX and I was sleep when it happened. Somebody hacked into my account and made it look like I sent it. And when I contacted cash app about it. They responding to a few emails and then stopped responding and just kept sending an email saying they cant refund the money. I sent screenshots of what happened. And on the transactions you cant request a refund as they told me to do. When I click request refund it says contact cash app support. They said they were going to investigate and just never responded back.

Company response to consumer: Closed with explanation