BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday, XX/XX/XXXX, I deposited ( via a teller ) a large check ( {$27000.00} ) into my Bank of America checking account. I wrote the check to myself in order to move money from my XXXX checking account to my BOA checking account. When I made the deposit, I received a XXXX XXXX large deposit hold notice. This notice indicated that {$5300.00} would be available on XX/XX/XXXX and that the remaining {$21000.00} would be available on XX/XX/XXXX. 
Late last night ( XXXX ) I received an automated email from BOA invoking the Reason to Doubt Collectability check hold, with the reason listed as " A hold was placed on your check ( XXXX ) because specific information indicates item may be returned. '' This reason was not actually specific, as it provided XXXX information to explain the hold. 
Today, I went to the branch location where I deposited the check. I was told by the manager ( assistant manager? ) that the hold had been placed by BOA 's back office and had nothing to do with the branch. He explained to me that, in his experience, BOA would typically invoke the Reason to Doubt Collectability hold whenever a large check was deposited, especially if the amount of the deposit was larger than " usual '' for the bank account. I pointed out that the explanation he provided was actually a description of the large deposit hold, not a reason to doubt collectability. He said this is BOA 's unspoken policy, that there was nothing I could do about the hold, and that further contacting BOA would be a waste of my time. He was sympathetic and polite, but ultimately unhelpful in resolving the situation as it appeared to be beyond his control. 

My concern : I am worried that XXXX ) BOA is indiscriminately using fraud-prevention or BSA AML rationale to place exception holds inappropriately in violation of XXXX XXXX ; and XXXX ) that BOA is avoiding providing specific reasons for exception holds ( as required by XXXX XXXX ) by hiding behind a fraud prevention rationale. This is particularly troubling, as consumers attempting to move funds in order to pay off time-sensitive debts or close on a mortgage, etc., may be harmed by such a practice. 

By way of background, I am an attorney, I have never been convicted of any crime, my credit score is in the mid XXXX, my XXXX  account contains at least XXXX XXXXXXXX, my BOA account has not been overdrawn ( I use it as a petty cash fund, and typically direct deposit $ XXXX a month into it ), and both accounts have been open for longer than XXXX months. I also have a credit card with BOA, on which I have never made a late payment. If BOA 's policies or algorithms consider me a fraud risk, I shudder to think how many consumers are being harmed on a daily basis by this institution.

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 2023-07-27
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company appeared on my credit report. No letters in the mail. No identifying information on credit report. No idea what this is. Called company they refused to disclose any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My payment for my mortgage has went up by {$300.00}. Due to escrow analysis. I'm struggling now and don't know if I can pay the extra. I dont understand why I need to pay XXXX in full or pay XXXX more for new payment. My taxes have only went up by XXXX. So why would it be this much more?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: EQUIFAX, INC.
State: NY
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:
Previous complaint sent regarding issues with equifax and having my credit card closed due to equifax contacting credit company to have my account closed due to an error on equifax end with my social security last 4 digits being incorrect. I submitted all forms requested by equifax and received a credit report in the mail ( finally as i was never able to receive a credit report prior ). However i am still unable to access my report online even with using the confirmation number from their own report mailed to me. I am unsure if the company has my correct full social security at this point and questions asked to identify myself is not correct and do not belong to me. 

I contacted equifax by phone a few days ago and no help was offered. I want to open a credit card but fear it will be closed again due to equifax and destroying my credit once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally bank. I opened a account and deposited a check. They locked my account with asking me. The reps on the phone don't help and they said that's it fine. I lt happened last Wednesday. I called multiple times and nothing happened. I need the money and it's disgusting that they lock my account and nothing happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this 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 2021-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with XXXX XXXX credit bureaus XXXX, Experian and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my XXXX insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 - It was reported that US Bank requested a copy of my credit report from XXXX, which I did NOT authorize. 

XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of US Bank if I deemed this to be in error. 

The telephone # provided for US Bank was a recording regarding mortgages, after which the call disconnected me. 

I then called US Bank 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the US Bank agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact XXXX. 

XX/XX/2019 - I attempted to resolve this online with XXXX  however, was instructed to call the agency as the issue couldn't be taken care online. The XXXX agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact US Bank. 

I again called US Bank, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. 

XX/XX/2019 - UNBELIEVABLE! I receive a letter from US Bank ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/19 ... ... 

- Copy of my consumer report showing the inquiry - US Bank made the inquiry, UNAUTHORIZED, US Bank should have the documentation. 

- An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several US Bank agents on XX/XX/XXXX. 

XX/XX/2019 - I am thoroughly disgusted with the manner in which US Bank and XXXX have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID 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 non-monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
Transunion credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off

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 2019-09-26
Company: ID Analytics, Inc.
State: NY
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:
This company is hiding from me They refuse to send me my report even after mailing them a request they have my police report and refuse to remove fruskdent information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: NY
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: NY
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:
Imma victim of idnrntity theft and they have my extended fraud alert and police report to block these accounts and inquiries and now XXXX   refuses To delete them as they have in the past and Equifax too XXXX   has removed the information that they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, 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:
During XXXX, XXXX, and Equifax XXXX after my disputes in XXXX, 2021 and XX/XX/2021 XXXX, XXXX, and Equifax has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that XXXX, XXXX, and Equifax is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
XXXX. XXXX, XXXX, and Equifax has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
XXXX. XXXX, XXXX, and Equifax has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
XXXX. XXXX, XXXX, and Equifax has not conduct a proper investigation pursuant to federal law -15 USC 1681a- ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX - XX/XX/XXXX TransUnion placed my credit score at XXXX On XX/XX/XXXX TransUnion placed my credit score at XXXX I inquired with TransUnion about the lowering of my credit score ; and no response as of XX/XX/XXXX. 

On XX/XX/XXXX TansUnion placed my credit score at 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 2017-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
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 paid of the account in full almost 2 years ago. However, the company constantly keeps reporting the account to the credit bureaus. In addition, the status constantly changes from closed to open. I have reached out to the company several times to remove the account, due to it being paid and full and inaccurate reporting. I am in the process of purchasing a home and ca n't have these errors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
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: Account information incorrect

Complaint:
I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be  possible.

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 2021-12-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XX/XX/2020 I PURCHASED AN ITEM USING A CITI BANK CREDIT CARD. THE PURCHASE VENDOR WAS DIFFERENT AS REPORTED ON THE CITIBANK CARD STATEMENT THAN THE WEB SUITE PURCHASE. CITIBANK WAS NOTIFED AND THEY CANCELLED THE TRANSACTION AND THE CREDIT CARD. THE VENDOR HAD ALREADY SHIPPED PART OF THE ITEM AND HE CONTACTED ME. WE AGREED THAT THE TRANSACTION HAD BEEN CANCELLED SO I PAID HIM BY WIRE TRANSFER. PRIOR TO SENDING THE WIRE TRANSFER, I AGAIN CONTACTED CITIBANK SECURITY/FRAUD AND THEY ASSURED ME THAT THE TRANSACTION HAD BEEN CANCELLED ON THEIR END AND THEY WOULD NOT PAY THE VENDOR BECAUSE THE TRANSACTION WAS CANCELLED. 
AFTER SENDING THE WIRE TRANSFER TO THE VENDOR, CITIBANK SECURITY CONTACTED ME REGARDING THE DETAILS OF THE CANCELLED TRANSACTION. I SENT CITI SECURITY PROOF ON XX/XX/2020 THAT I HAD PAID FOR THE ITEM AND THIS WAS NOT A PART OF ANY CREDIT CARD CHARGE. CITI SECURITY HAS CONTINUED TO MAKE DEMANDS FOR PAYMENT AND HARASSED OIUR FAMILY -- -2-3 CALLS PER DAY OVER THE LAST 18 MONTHS.

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 2018-01-04
Company: EQUIFAX, INC.
State: CO
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:
A series of parking tickets were accumulated by my wife through XXXX  XXXX  University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the National Consumer Assistance Plan: XXXX , should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, XXXX, and XXXX. However, all three did not apply the National Consumer Assistance Plan, and the hit to my credit was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XX/XX/XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX  XXXX , should not appear on my credit report. Starting in the spring of XX/XX/XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, TransUnion, and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX, and the hit to my credit was not removed.

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 2019-07-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting incorrectly to Transunion a collection in the amount of {$7500.00} on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) The open date of this account reports XX/XX/XXXX however there is no date of last activity reporting. The actual date of the last activity was in XXXX and this line item is being reported illegally to collections because the statute of limitations has expired. In Texas, the statute of limitations is ( 4 ) years. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

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