BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Our company account was randomally closed this week with over XXXX in it AND pending deposits and transfers. They then " reversed '' payments to all our financial institutions and payroll and caused closed accounts stating NSF which was not true- there is now over XXXX in that account after everything and they refuse information other than " account closing '' - I want my XXXX ASAP and they have not offered any help via chat, phone or in person. please assist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2024-01-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Regions Bank has brutally charged me overdraft fees and there is no retraction in place. All except to hide my bank statements and trying to remove any information related to my previous accounts when I did nothing wrong. Regions also sent to collections.i I am victim aggressive identity theft. At one time Regions had the incorrect address and I requested the address to be changed but somehow it was immediately changed. Having an apartment number as if to deceive and commit fraud.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
CHASE bank failed to follow their wire transfer guidelines and allowed a fraudulent wire transfer to be established from my checking account without my permission, signature, or any formal verification of identity.when requested for confirmation in text, I denied the transfer. After working with the fraud department, I dont feel They are being forthcoming telling me when I get my funds back.I want them to refund the money owed to me. ( {$24000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to submit a comprehensive formal complaint against XXXX, Experian, and XXXX, collectively for multiple violations of the Fair Credit Reporting Act ( FCRA ) and financial privacy laws. As a consumer, I have identified instances where each of these consumer reporting agencies has failed to uphold their responsibilities under the law, resulting in unauthorized and inaccurate reporting of my credit information and as a consumer, I have never given these credit reporting agencies any authorization or permission to report anything on my report ; they never even asked me to report anything on there in the first place. 

1. Unauthorized Furnishing of Information ( 15 USC 1681 section 604 a section 2 and 15 USC 6801 ) : XXXX, Experian, and XXXX have consistently furnished my private information without my explicit written consent, a direct violation of 15 USC 1681 section 604 a section 2. According to 15 USC 6801, financial institutions, including consumer reporting agencies, must respect the privacy of their customers. The actions of these agencies have failed to meet these statutory obligations.

2. Inaccurate Reporting ( 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e ) : XXXX, Experian, and XXXX 's reporting has been inaccurate, contravening 15 U.S. Code 1681s2 ( A ) ( 1 ) A, which prohibits the furnishing of information to consumer reporting agencies if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, consumer reporting agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the FCRA, a duty they have not fulfilled.

3. Adverse Item Reporting Without Consent ( 15 USC 1681C ( a ) ( 5 ) ) : XXXX, Experian, and XXXX have reported adverse items without my explicit consent, violating 15 USC 1681C ( a ) ( 5 ), which restricts the inclusion of adverse information without the consumer 's permission.

4. Civil liability for willful noncompliance ( 15 U.S. Code 1681 ( n ) ) : I have submitted a complaint before to each credit reporting agency listed in this complaint so willful noncompliance can easily be proven as they had a full understanding of the violations after I complained the first time.

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 2023-12-18
Company: Lima One Capital, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
Per the contract, the transaction was to close on XX/XX/XXXX. 

XX/XX/XXXX I received an email from the lender stating that the final terms have been finalized. The new terms lowered XXXX than originally quoted which increased my cash to close approximately {$15000.00}. I informed the lender that I will not move forward due to the final terms and requested that my appraisal be transferred to a new lender. The lender denied my request stating that the deal is still viable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of XXXX breach. I wrote letters to all three credit bureaus with a copy ofthe XXXX breach verification. As a result, these companies XXXX. XXXX XXXX XXXX XXXX XXXX posted on all 3 credit bureaus they " verified '' my accounts. I disputed with each bureau. I asked for Purchase Agreements with their companies to show full ownership of these accounts. I have not been presented with a purchase agreement but they continue to post on my credit reports.

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Contacted Transunion via telephone and mailed via certified mail request that they update my personal information to reflect my legal and correct only name to " XXXX XXXX XXXX ''. They have my legal name listed as aka - also known as - while an unknown name, " XXXX XXXX '' remains. 

Transunion has placed my credit file into jeopardy and available to fraudsters by not maintaining accurate personal information for me. 

Transunion has no legal proof that my name is " XXXX XXXX ''. I furnished them with copies of my driver 's license, social security card and utility bill verifying my correct legal name is " XXXX XXXX XXXX ''.

Company response to consumer: In progress
Consumer complaint received 2024-01-20
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pulled a credit report in some credit cards are on my report that I have no clue aboutXXXX XXXX for XXXX. Citi for XXXX. XXXX XXXX for XXXX. XXXX for XXXX. And a car loan for XXXX. I have no clue about these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My government XXXX  card was never delivered to me. They said that I received it and activated it and booked a cruise and an XXXX purchase totaling {$3900.00}. I filed a police report, asked them to dispute the charges, asked them to research the charges and they completely stonewalled me. They said they had proof that it was me that activated the card and sent me a print out of the transactions as proof. I was in the hospital XXXX XXXX during the time the card was supposed to be delivered to me. The charges were made on the stolen card XX/XX/23. I submitted a claim on XX/XX/23 when I realized that the card should have been delivered and it wasnt. I found out about the charges when I called to inquire about where the card was. It has now been months and they require me to fax all the information to them and when I do, all I get is a denied claim response. This is very wrong and stealing from a new mother.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 i went to deposit an instrument issued to me, by the direction Georgia 's Attorney General ( with his signature and department seal on it ). Not only was it not accepted, but when information was given and asked according to federal codes and regulations he could not refute and chose to launch a personal and potential life threatening attack against me. This being a bank he intentionally broke and violated the banks obligation that it agreed to with the federal reserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical debt that is not mine. I requested documents from creditor and did not receive them. I do not own or have not signed any contract and do not assume any medical debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Initiated a short sale with a private investor in XXXX of 2023. Sent PHH inquiry to get short sale approval. Did not receive correspondence for documents for short sale to be reviewed by PHH till late XX/XX/2023. Was informed on XXXX XXXX by PHH Mortgage on all that was needed by Relationship representative. All documents were submitted on the XXXX. I was also informed that a foreclosure auction date was set for the property on XX/XX/XXXX of this year. I was never served nor sent by certified mail a Notice of Default and Notice to accelerate by PHH Mortgage before the filed for foreclose sale with the County Courthouse. PHH has been unprofessional, incompetent, and hostile during the whole process of the mortgage service for XXXX XXXX which holds my note. I accuse PHH Mortgage of fraudulent and deceptive servicing practices and fraudulent foreclosure procedures that are against Texas law.

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 2023-10-30
Company: EQUIFAX, INC.
State: NJ
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:
USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report from XXXX and XXXX All alleged late payments and other transaction and experiences must be removed and ceased to being reported.

Company response to consumer: In progress
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2024-01-11
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I banked with US bank they closed my account because they couldnt verify a cashiers check I received from XXXX.They requested verification from BMO which XXXX made a letter of verification that the funds did belong to me.They still got my funds on hold even after they got the verification of funds verified through BMO.i have documents attached that the funds belong to me.At this point they are enduring me.Im homeless, lost my car, and lost job cause I am not able to get to work.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to bring to your attention a matter concerning Bull City Financials and the challenges I have faced in negotiating a debt settlement with them. 

In light of the financial difficulties I experienced during the XXXX pandemic and as of current, I found myself unable to keep up with various bills, resulting in a debt of {$1500.00} owed to Bull City Financials. Understanding my financial limitations, I approached Bull City Financials with a request to negotiate a more feasible arrangement for repayment.

Regrettably, my request for a new debt negotiation was rejected by Bull City Financials, despite my genuine efforts to reach a mutually agreeable resolution. This denial has left me in a precarious situation, with the debt amount of {$1500.00} continuing to pose a considerable burden on my financial well-being.

I wish to express my concerns regarding the practices of Bull City Financials and their unwillingness to work with me during this challenging time. I believe that a more reasonable and compassionate approach to debt negotiation is essential, especially considering the extraordinary circumstances that led to my financial hardship. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and assess the fairness of Bull City Financials ' actions. I believe that a transparent and impartial review will shed light on the circumstances surrounding my debt situation and potentially lead to a more equitable resolution. 

I appreciate your attention to this matter and look forward to any assistance you can provide in ensuring a fair and just outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Edfinancial is my XXXX XXXX servicer. Asked for Covid pause refund for payments made during the pause. This was in XXXX. The request was processed in XXXX. That means the money was put back on my balance and starting accruing interest. I still have not received the refund 5+ months after requesting. 

When I call them they dont answer for hours. Or put me on a list to call back which they sometimes do. But when they do call they dont know anything about where the money is or why they are ILLEGALLY charging me interest on the money I never got back. They say its a fed student aid issue and they cant track the payment, nor do they have any idea when Ill receive it. Over $ XXXX they have no idea. Now if Im late on making payments for money I owe them, they will make my XXXX XXXXXXXX.Sounds about right. 
I find it hard to believe that the Fed can issue Covid Stimulus checks to hundreds of millions of people in a matter of weeks, but federal student loan REFUNDS take an indefinite amount of time and nobody can track the payment after processing. Makes me a little concerned anything is being handled correctly in regards to my account.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-27
Company: The Bureaus, Inc.
State: MI
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:
Iam a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX XXXX XXXX XXXX this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I was not even living in the state of Michigan at the time that this debt incurred I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : inform XXXX XXXX XXXXXXXX XXXX XXXX XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation