BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Bank of America decided to close all of my accounts suddenly. No reason was given. I appealed on XX/XX/XXXX but that was denied. 

In total - 10 accounts were closed. 
1 personal checking 3 business checking XXXX children savings accounts XXXX child checking account No reason was given. I was locked out of my accounts and unable to withdraw any funds and I am still waiting for my funds to be returned to me. 

No communication or notice was given by the bank. I called the bank when I found that several transactions were all of the sudden being declined despite funds in my bank account. 

The accounts were all current, not overdrawn and I had been a customer with Bank of America for over 10 years and never had any issues like this before.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that XXXX has reported transactions between I XXXX XXXX the consumer and XXXX the creditor to my consumer report In the months of XXXX, XXXX, and XXXX of the year XXXX.I have opt out XXXX should not be reporting transactions to my consumer report it is violating my consumer rights. According to the FCRA 15 usc 1681a 2a1 stated in paragraph the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2020-02-20
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

This Consumer Complaint is against DataMax Corporation Located at XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX. 

DataMax Corporation is in violation of 15 U.S.C. 1692-1692P Against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

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 2022-11-18
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector CONVERGENT OUTSOURCING opened a collection account in XXXXXXXX XXXX XXXX XXXXXXXX, this account was closed in XX/XX/XXXX due to XXXX mobile processing and charging fraudulent fees for the second time ( the first time was on for over {$600.00} which were withdrawn from my bank account ). XXXX XXXX continued to issue statements which I was never sent until XXXXXXXX XXXX XXXXXXXX with various and inconsistent charges. Even at this time when I try to access the statements an error occurs on the website. There was no usage of the account/lines during that time, I do see some phone calls and messages that I suspect were place by XXXX XXXX themselves as the phones were turned off when the account was closed. Credits were due which were supposed to finish paying for the equipments but none of this happened. 
The debt collection agency never contacted me, I was made aware of this collection upon reviewing my credit report. 

I live in North Carolina, and under General Statutes 58-70-115 ( 4 ). Unfair practices.

The debt collection agency was issuing false threats and claims as the statute of limitations had expired and they were not allowed to sue, under this same statute any attempt to collect this debt was barred due to the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, 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 advised the creditor and credit bureau and have they refused to remove the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
On XX/XX/2023 I sent out an Investigation Request Letter to EQUIFAX by way of The United States Postal Service. Dated XX/XX/2023 Time XXXX with a Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I requested a through investigation be done in regards to inaccuracies on my report and I requested to be provided with original contracts and documentation of the accounts named XXXX XXXX XXXX XXXX XXXX XXXX  I also asked if the accounts are not 100 percent accurate ; through 15 U S.C. Sec. 1681i ( a ) that they be deleted. 
I was never provided any original documentation nor a response within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Wolf River Development Company
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022, I sent a XXXX  of XXXX  to Initiate Electronic Funds Transactions to XXXX  XXXX  and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, XXXX XXXX  debited {$220.00} from my bank account. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XX/XX/ loan transfer from XXXX  to Right path servicing dept.XXXX with numerous phone calls faxes and email documents no one seems to know what is going on. I am a XXXX citizen, and never missed any payments. Escrow was added to my loan again without any consent. A forced lenders insurance was added without my consent at a premium.No one seems to know how the payments were applied.I had to come up with just under {$4000.00} for not going into default. 
I have had to add my son to my loan, as a senior I am not tech savy. 
I feel like I am been pushed around .My insurance was up to date yet Right path went ahead and paid another premium.PLease I appreciate all the help .The 60 days grace period will be up onXXXX 
Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On or about XX/XX/2018 we contacted our Bank of America to let them know we settled with a lender by the name of XXXX XXXX for a combined total of {$4600.00} for my wife XXXX XXXX XXXX and myself XXXX XXXX. We were informed by a Bank of America Claims representative that the temporary credits issued by them would not be reversed until our response was considered. On or about the XXXX of XX/XX/2018 Bank of America proceeded to reverse the credits and place our account into a negative balance in excess of {$700.00}. We contacted the Claims department and visited our local branch on several occasions requesting an explanation and our funds reimbursed as this matter was already addressed during our settlement negotiations. We were informed over the next several weeks that our claim was escalated, that no one ever reopened it to theyve determined the claim in the favor of XXXX XXXX without providing any documentation proving that our arrangement was invalid as promised by them.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: IL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I went into my checking account and it didnt look good at all as I looked at it. So I called the bank and asked for the Fraud Dept. At that time the lady went over it with me and said that there was a check put in there, I said what check cause I dont use checks. Only thing that goes in my account is deposit or I put cash in there. I think this was the second time that fraud had to deal with my account. This time it was bad. the lady was rude and told me not to call again. Then I hung up and called back and talked to a supervisor. I knew it was going they were going to give me a hard time. First they blocked my account and closed. Now my retirement check from Dept of Treasury was coming on XX/XX/XXXX and that my account being closed they were suppose to return the check to the Dept of Treasury, no the didnt they keep it. I called all week long, the Citibank and the US Treasury Dept. Citibank said they returned it and Dept of Treasury said they havent received it. On XX/XX/XXXX I called Citibank and asked was my check there and FINALLY they told me the truth it had been sitting there all week the lady said. Citibank has had my check since then. my check was {$1800.00} and I called yesterday it is now {$1200.00} because of bills?? What bills $ $ $ $ I have small bills like XXXX and things like that I dont have big bills running through the bank, I pay by phone. So on the XXXX I asked for copies of everything that they call themself paying because Citibank is a bank full of lies and jokes and they have cost me for my bills to be late and unpayed. So now 60 days is up on the XX/XX/XXXX and they are working on geting it close and i have to wait another 10 days to get my check.. WRONG ANSWER. By the Government rules you have 15 days to return a government check and Citibank has not done that. and still have had my check for 55 days and I have suffer for 55 days without meds and food and gas for my car that I might lose because of them. I am not finish by far with this my next stop is the Attorney General office.

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 2023-10-04
Company: MOHELA
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had Federal Direct Student Loans, serviced by MOHELA, that were fully discharged ( now a {$0.00} balance ) by the Department of Education ( DOE ) through their one-time IDR adjustment in XX/XX/. However, MOHELA continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last two monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even MOHELA shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/. XXXX even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when MOHELA 's last feed came through, XXXX reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited MOHELA 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) MOHELA will continue to misreport a positive balance to the credit bureaus for the foreseeable future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: General Motors Financial Company, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act GM financial acct # XXXX has violated my rights. 

15 USC1681 Section 602 states that I have the rights to privacy.

15 USC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2018-08-30
Company: Experian Information Solutions Inc.
State: MI
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:
In XX/XX/2018 I submitted a dispute to Experian, XXXX and XXXX regarding a credit card that was not mine ( XXXX XXXX XXXX  ). XXXX XXXX XXXX in turn sent me paper work to declare the credit card was not mine. I signed the letter in dispute of the credit card that I indeed did apply for a XXXX XXXX Credit card but I never received the card in the mail and had no idea I was even approved. XXXX XXXX then sent me correspondence that they sent the credit card to my address and that validated that the card was mine. The credit card is mine but I never received the card due to possible mail delivery error which has happened in the past. I did not use this credit card nor do I owe XXXX XXXX XXXX any money. This account is showing negative on my credit 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 explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, 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 advised the creditor and credit bureau and have they refused to remove the fraudulent 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 explanation
Consumer complaint received 2023-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from this collection agency which is unknown and what is weird they are not even license to collect in my state. I mailed a notice requesting validation and nothing has ever been received. I informed them in writing I am disputing this. Nothing has been received and I was just alerted now it is listed on my personal credit file. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MIDLAND FUNDING ( account number XXXX ) is attempting to collect a debt from me that was paid. This debt has already been paid. The money was garnished from my wages. The original creditor was XXXX XXXX XXXX. The payment number is # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir, I hope this message finds you well I am an international XXXX graduate, had a clinical rotation at XXXX XXXX XXXX from the period of XXXX XXXX XXXX XXXX XXXX XXXX during which i was covered by XXXX XXXX ( which the XXXX XXXX XXXXXXXX asks us to purchase before starting our clinical rotations ) We also pay XXXX dollars for a month of the rotation ( its not for free ) One day my XXXX  was XXXX and XXXX ( XXXX XXXX ), so i went to the coordinator office, I HAD NO INTENT of going to the Emergency department, the coordinator asked me to go to ER and present them with a copy of my insurance and she mentioned that it would cover everything there. 

I went to the ER, presented my insurance copy, waited for my turn, ER doctor was unprofessional himself, he injected the XXXX so i could feel XXXX when he extracts the XXXX HOWEVER he came back late when XXXX faded away and it was very painful. I did n't file a complaint by that time. 

Since then, I have been receiving plenty of calls from debt collector and i have been spending ample of time trying to resolve the issue with them and XXXX XXXX XXXX  However they are refusing to communicate with Insurance company, been calling them over 10 times. One representative actually told me WE DONT DEAL WITH INSURANCE. 

I am attaching my insurance copy and also attaching a copy of the debt collection. 

I am writing to you so you could please resolve the issue, please put some points into consideration - i paid XXXX usd for 2 months of rotations at XXXX XXXX and XXXX  XXXX XXXX - I had a valid insurance when i presented to ER - i had no intent what so ever to go to the ER except after knowing that insurance will cover all the cost Thank you so much looking forward for your response Happy Holidays XXXX XXXX

Company response to consumer: Closed with explanation