BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I contacted Bank of America via phone to ensure I had Overdraft Protection on my checkings account ( around XX/XX/19 ) and would not be incurring Overdraft fees in the result of a withdrawal. They informed me I did, in fact, have Overdraft protection and should not be incurring fees. 

Shortly thereafter, on XX/XX/19, I ordered things through XXXX and XXXX took money directly out of Bank of America instead of my XXXX balance ( I hadn't realized the funds would go out of the account but when I saw they did, I remembered the phone call I had with Bank of America where they said I had protection and didn't panic, thinking I had the funds ). Bank of America then charged me XXXX dollars initially, and another XXXX dollars pending in overdraft fees ( an estimated total of XXXX dollars ). I  called them and asked them why I wasn't protected on XX/XX/19. They informed me that even though the credit card used for the protection had plenty of credit on it, it couldn't be used for cash beyond what had already been used. They informed me that " Overdraft Protection '' doesn't mean I am protected against overdrafts, but merely that I have an account set up with them ( but the account I had set up with them would not work ). I asked why when I called to ask about whether I was protected, the limited line of cash credit in the account in question ( which is also a Bank of America credit card account ) were not mentioned, they said I had only asked whether I was protected not whether they would be able to transfer funds over ( and there was a difference between being " protected '' technically and as a matter of whether I was actually protected ). They explained they could tell me I was protected but they were not in charge of ensuring the protection worked unless I directly asked.

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 2021-02-02
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An electronic payment I made through my bank on XX/XX/XXXX, XXXXwith approximate delivery date XX/XX/XXXX has neither been credited to my account, nor has my payment been returned. 

Previously, payments I made from XXXX thru XXXX were not applied to my account until I inquired. I submitted my inquiry on XX/XX/XXXX and did not hear back from LoanCare until XX/XX/XXXX. 

In the meantime, I made my XXXX payment on XX/XX/XXXX, as stated above. LoanCare stated that I was making payments under an incorrect account number, but I have been making payments under the same account number since XX/XX/XXXX, when my account began to be sub-serviced by LoanCare. 

Proof of payment for each month for XX/XX/XXXX thru XX/XX/XXXX is included. It can be seen that all payments have been made under the same account number. 

I intent to make future payments under the account number indicated in the correspondence from LoanCare on XX/XX/XXXX. However, previous to this correspondence, payments that I made that were neither credited to my account nor returned to me. At no point from XXXX XXXX did I receive correspondence from LoanCare stating my payments were not made under the correct account number.

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 2023-03-26
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, l made a mobile deposit for {$2500.00} on my Truist mobile app. The next day I was informed by email that a administrative hold was put on my deposit and the funds would not be available until XX/XX/XXXX. The reason for the hold was the bank didnt think the funds were available. The check I deposited was written on a local bank and was paid by the other bank on that very day ( XX/XX/XXXX ). I got on my banking app and contacted the bank that day and asked about this hold. I was told it couldnt be lifted until the hold ran out. I informed the bank that I needed my funds to pay some bills that were due. The woman I was talking to said there was nothing she could do and apologized. I told her the check had cleared so there was no reason to hold the deposit. She told me she would file a complaint for me but that was all she could do. As of today, I still am not able to access my money and I do have bills that are passed due and I need some of my prescriptions filled ; but since I am unable to access my funds, I have no way to do this. Basically, the bank is holding my money hostage for my own good according to the woman I spoke to on the banks website. I feel that they have overstepped their authority when they think they know whats best for me and my funds.

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 2018-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.

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 2023-08-31
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX  I obtained a {$500000.00} HELOC from XXXX, with a 10 year draw period. In XXXX  it was no longer a line of credit, rather a security interest. This was modified in XX/XX/XXXX, and {$150000.00} in Unpaid Principal Balance was deferred until XX/XX/XXXX, resulting in an Interest Bearing Principal Balance of {$260000.00} upon which payments are calculated. Until recently, the deferred balance was not reported to the Credit Bureaus. As of XX/XX/XXXX the entire balance is being reported to the credit bureaus as {$390000.00}, not the SLS Mortgage statement balance of {$230000.00}. 
Serving of this loan was transferred to Specialized Loan Servicing in XX/XX/XXXX. All payments have been timely. SLSs recent report to the credit bureau incorrectly identifies this as a Line of Credit with a Credit Limit of {$500000.00}, neither of which are true. This error resulted in a XXXX point drop in my credit score. 
I have called SLS three times this week requesting they provide the Credit Bureau with the correct information. 

This inquiry is for the following company : Specialized Loan Servicing, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX NMLS ID 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 2023-07-13
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 status incorrect

Complaint:
Hello I've been contacting credit bureaus XXXX and TransUnion to get this XXXX XXXX XXXX record off of my credit report the balance is paid off and the company stated they will inform the credit bureaus to remove it but the only one that has removed it is XXXX. TransUnion and XXXX stated they would remove it but has not done so yet and it's been over a month now I spoke with them in 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 2019-12-31
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the creditor and faxed all info over to their fraud department, I also sent the info to each credit bureaus and XXXX  has deleted the account. XXXX  and XXXX  are giving me a hard time to dispute and remove the account. The creditor US Bank is also giving me a hard time with removing the account after all information has been sent to them directly. They have requested the info and I sent the fraud department exactly what they needed

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 2019-12-31
Company: EQUIFAX, INC.
State: NC
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my Credit and found out AWA Collections is on my credit for {$1900.00} the original balance was {$1700.00}. I never received a notice about this debt. I have received zero calls to see how I can resolve it but instead just slammed be with this on my credit which I do not appreciate. Under FDCPA A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt.

Specifically, a debt collector may not Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get 3-4 calls a day from Comenity Bank about a debt collection. The calls are frequent and It made my job difficult to do since I need to answer and reply to emergency requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Someone stole my identity and opened a fraudulent account with XXXX BANK without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help

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 2022-01-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wired {$6600.00} to an account at JP Morgan Chase Bank in XXXX, NY on XX/XX/XXXX for the purchase of on online car sale that ended up being fraudulent. Bank information is as follows : Beneficiary Bank : JPMorgan Chase Bank Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Beneficiary Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, NY XXXX Account Number : XXXX Routing number : XXXX Reference number : # XXXX. The transaction began when I made contact with supposed car seller XXXX XXXX, XXXX XXXX XXXX XXXX IN XXXX, via a listing on XXXX for a XXXX XXXX VIN # XXXX. We exchanged emails in which she described needing to sell at a low price because of moving out of country. She let me know that she had a shipping company handling the sale ( XXXX  XXXX XXXX XXXX XXXX IN XXXX / ( XXXX ) XXXX / XXXX / https : XXXX ) She described a transaction in which I would pay for shipping, the company would hold full payment in reserve, and I would have five days once in receipt of the car to decide if I actually wanted to purchase it. XXXX contacted me with the wiring directions above. I sent the money, and they sent a straight bill of lading with a delivery date of XX/XX/XXXX. The car wasn't delivered on time and all attempts at contact with the delivery company and seller since then have gone unanswered. Indeed, the phone simply rings a few times and then beeps with no voicemail, and clicking a few times through the website goes nowhere. I began to realize it was a scam and a search on the VIN found this : https : XXXX. I contacted my bank, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. Both their attempts at rectifying the situation with Chase and my attempts to communicate with Chase about this issue have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Albert Corporation
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an albert account to get a pay advance back in XXXX, I never got the advance and never signed up for anything. I then on XX/XX/21 saw a charge from my back account, since I never borrowed anything from them or signed up for anything I attempted to reach out to them. Come to find out they have no customer service number for you to call just a text robot help. I then just requested then to disconnect my bank account and close the account since I have never used their services. For a whole month I have been going back and forth with this robot chat person to have the account closed, but after countless times I have been told it would be closed it still has not and today I was charged a {$29.00} overdraft fee for something I did not authorize so now its a fraudulent charge

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Early Warning Services, LLC
State: NJ
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 was in an abusive relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my abusive relationship. It wasn't until I moved to a completely different state ( all to get away from my abuser ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. 

I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this XXXX hiccup. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: SYNCHRONY FINANCIAL
State: CT
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:
This is a follow up of complaint XXXX which was not resolved. 

A credit card was fraudulently opened in my name on XXXX XXXX with Synchrony Bank for a Care Credit account. This investigation concluded on XX/XX/XXXX with Synchrony Bank concluding it was a fraudulent account and notifying the credit bureaus ( see attached documentation ). 

XXXX is refusing to remove the account from my record and is causing issues with my mortgage.

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 2018-02-10
Company: Experian Information Solutions Inc.
State: IL
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:
state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2023-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: MD
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:
The following companies show inquries on my credit report without my knowledge or authorization:

- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my 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 explanation
Consumer complaint received 2023-08-31
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 result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation