BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Issue : I send money to a wrong person via XXXX XXXX Bank of America application. 
date of transaction : XXXX XXXX of $ I transferred : {$3500.00} I sent that amount of Money from my Bank of America XXXX account. 

Explanation : I mistakenly sent {$3500.00} to a wrong account. I was supposed to send that amount of money to my sister but the money did go to someone else who took her phone number. my sister did go to vacation overseas when she come back her phone number was given to someone else, when I was trying to send her money I mistakenly used her old phone number and the money did go to the new phone number user. I contacted XXXX they told its only Bank of America that can help me because the transfer was performed in Bank of America XXXX. I filed a claim to Bank of America and they responded they can not approve my claim and neither can return my money because I initiated the transaction, they told me that the only way XXXX get my money back is to contact the receiver and ask him if he is willing to send the money, I called the receiver ( the guy who now have my sister old phone number ) he said he did not receive that money on his account. 

please help me, its a lot of money for me, and the bank of America did not give the help that I think I deserve as client. 

thank you,

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 2018-09-23
Company: Earnest Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This company baited and switched. The primary reasons i opted to go with Earnest was the ability to make biweekly payments. They sent out an email ladt week eliminating this option. Now i will pay more money, out of my own pocket. At least grandfather current customers into biweekly payments and change for customers going forward - that is the responsible, stand up thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Since XX/XX/XXXX, we have been having a problem with submitting auto loan payments to Fifth Third Bank XXXX. We took out the loan in XX/XX/XXXX, which we obtained through our local car dealership, XXXX XXXX, and we have not encountered any problems until now. In XXXX the check that I submitted to them on time never cleared my bank. I tried to contact them by telephone and online ( www.53.com ) and can not get through to anyone at XXXX. I have tried numerous times. The one time I did manage to get a live person on the phone, the person hung up on me before I could say anything. I received a letter from the bank  dated XX/XX/XXXX asking for me to resend the check, which I did within two days of receiving it. I sent the second check for the  XXXX car payment on XX/XX/XXXX. I sent the second check certified and return receipt requested through the postal service. To this date, XX/XX/XXXX, neither check has cleared my bank. I have informed my local branch bank. The XXXX check is coming due and I do not know what to do. I saw in the news online recently ( In XX/XX/XXXX ) that Fifth Third Bank XXXX has a lawsuit against them for unethical practices, and that they recently charged 11 employees with stealing funds from customers. I am concerned and wish to resolve this problem. I have never missed a payment or been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My complaint is solely with Bank of America ( BofA ) card services. I requested a credit increase on my BofA credit card. The BofA computer rejected it and gave written reasons supposedly derived from the XXXX credit report. However, I got my XXXX credit report which **proved the BofA written reasons were totally false. ** Further, when discussing the rejection reasons with XXXX, their representative confirmed the BofA reasons were false. 

BofA writes " Serious Delinquency. '' Yet, the XXXX report and the XXXX representative see NO DELINQUENCY OF ANY KIND ON ANY OPEN ACCOUNT, and similarly no late payments on any open account. 

BofA writes " Proportion of loan balances to loan amounts too high. '' Yet, the XXXX report nor the XXXX representative sees no such condition. I pay my cards off each month, and most of my charge cards have a {$0.00} balance or close to it. 

BofA writes " Too few accounts currently paid as agreed. '' Yet, the XXXX representative sees no such data. THERE IS NOT ONE SINGLE ACCOUNT THAT FITS THIS BofA 'REASON. ' I provided this information and complete supporting data **in writing** to BofA but they did not address any of these lies contained in their rejection letter. Their complacency in handling this valid complaint with supporting documentation suggests BofA is doing this intentionally.

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 2018-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX is incorrectly reporting to all 3 major credit bureaus incorrect balances and payment history. They can not legally report Higher credit limits over the amount of the amount of the loans that I have taken out. 

These items have been disputed twice in the past year with each bureau and neither time have they failed to comply with rules and regulations to correct their errors. 

The amount of my loans do not total they amounts they are reporting and I have never received any documentation from them reflecting that they have verified the amounts I owe verses the total of my loans. 
If they can not verify the appropriate information and that all the debts they are reporting are correct then they are required by laws to remove those items from my bureaus.

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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I do not recognize the accounts 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 2019-01-11
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I started working on my credit in XX/XX/XXXX I had a debt listed on my report from a company called XXXX for a XXXX bill in the amount of XXXX. I disputed this debt as it did not belong to me and was listed under a name I had never gone by, XXXX XXXX ( my maiden last name is XXXX ). XXXX was unable to verify this debt and it was eventually removed from my credit report. on XX/XX/XXXX I received a credit notification that I had a collection added to my report. The debt was from XXXX XXXX XXXX for this XXXX  bill that I mentioned above. The issue here is 1 ) I never received anything in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation or dispute this debt. 2 ) I was not notified by either XXXX  or XXXX regarding this debt being reinserted into my credit file, therefore it was illegally reinserted. I disputed this debt with XXXX  and XXXX already and both came back verified as accurate. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to file a dispute with your company but your online dispute website is not working. I also called your number and wasn't able to be helped. On XX/XX/2018 i sent a letter to the XXXX XXXX of XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance ( XXXX ) for {$120.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX of XXXX did in fact cash my check, and I have documents to prove it. The XXXX XXXX of XXXX did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. 

A few weeks ago, they was a collection added to my Equifax credit report which should not have been there. That collection came from XXXX , XXXX . Original Creditor Nameis XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Citizens Bank - Line of credit {$1500.00} acct was sent to collections this debt isn't mine it belongs to XXXX XXXX and I have disputed this before yet it is still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The property manager XXXX XXXX has tried to collect on debt not owed. After being granted ONLY possession of the apartment she manufactured damages and court cost. I was represented by counsel and the court ordered possession ONLY. It was after my attorney request my security deposit ( {$1200.00} ) and an additional over payment ( {$200.00} ) the falsified damages and court fees. Their clients XXXX XXXX XXXX  was unsuccessful in court and was NOT awarded monies in the judgment ONLY possession of the apartment was granted 30 days after the ruling was give. I was out of the apartment during the court proceedings and have video of the undamaged apartment empty. This is a clear attempt to commit fraud by XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged damages and rent after I was no longer living in the property and there is NO COURT ORDER awarding 1. Attorneys fee, 2. Damages of anything related to the property 3. I was charged rent in XX/XX/2021 and XX/XX/2021 when I have a lease showing I was moved completely out by XX/XX/XXXX which was before we went before the judge in XXXX XXXX landlord tenant court. The court DID NOT order damages or any rent. The property hired a contractor to completely gut and updated ALL FIXED on the property and repair the brokers heat that was the reason I moved. The are trying to make me pay for 5 years worth of basic wear and tear on an apartment. When I moved in 5 years prior my apartment has old carpet and was vacant for over 6 months it was never painted or even had replaced carpet the entire 5 years I lived there and I paid rent 5 years straight never late. If they claimed I owe for anything we need to have a judge order that by fraudulently creating damages and charging rent and his is clearly fraud. We will be forwarding this to the court. And we request proof from the court where these alleged damages were proven and a judgment was granted in their favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've been having this issue with Experian since XX/XX/2020. The only way to get a free credit report is through the annual credit report website. But here 's the thing, I can't pull my Experian on Experian.com or any other credit monitoring sites. It always seems like they're blocking my request. Called Customer service and she didn't know what was going on. She stated someone will contact me about it in 24 hours. No call or anything. This is NOT right.

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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection acct XXXX XXXX " XXXX '' reporting on Transunion this account was payed in full for deletion it was removed from XXXX, XXXX, Transunion then a few months later it reappeared on Transunion and XXXX. This account needs to be removed immediately.

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 2018-11-13
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Total amount is : XXXX when I graduate early from XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX female. I writing to request that the information that is on my credit file be corrected immediately, which is causing some of the problems of me obtaining credit and obtaining a business bank account, which I tried to get and failed obtaining from XXXX XXXX. The business that wrote me instead of XXXX XXXX was XXXX XXXX XXXX, which I do n't know anything about and should not have any dealings with or they should not be trying to falsify or make me uncreditworthy by placing false information on my credit file. The address for XXXX XXXX XXXX  is XXXX. XXXX XXXX XXXX Alabama XXXX. The phone number for this bank is XXXX. There is another business I wish to give information about the address is for XXXX Mortgage XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX. The phone number for this company is XXXX. Then XXXX tells me that my credit score is XXXX, which is the worst score you can give a person trying to get a business bank account and trying to buy a home at the same time. I am trying to buy a home, due to living in lapidated housing and, I am trying to get a business bank account, because I am trying to get my business to become financially stable. Also, if possible I was trying to obtain a FHA loan or HOYA grant and loan from XXXX, but that is not possible now, due to the lie of Equifax Mortgage Services. Then XXXX just basically agreed with them and reported a lie as truth on my credit record, which has hurt my business financially and me personally. I am asking that you help me to get rid of this fraudulent information that XXXX XXXX XXXX has on my credit file and that XXXX XXXX has put on my credit record in XXXX XXXX to prevent me from obtaining a business bank account or obtaining any type of credit or cashing a check. Basically, not able to live and exist as a human being should exist. I feel these companies not only violated my civil rights, but also, discriminated against me for no good reason at all, which was based on false statements of a fictitious mortgage ; therefore, hindering me from obtaining credit for me, for my business, to pay bills, to cash checks, to get a line of credit, my poor credit score was due to false information from XXXX XXXX and I will not be able to purchase a house or to move out of my lapidated apartment on XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX inhabitable dwellings in XXXX XXXX XXXX is unsafe and unhealthy for me and my family. In addition to what I have stated, the reason I am writing this information, due to the harmful nature of this fraudulent financial information on my business financially and me financially that is intended to give me a poor credit score, so I wo n't ' be able to obtain credit from XXXX XXXX or any other business bank account for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX A with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the XXXXrk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with XXXX to have the lien removed from by credit file. I received a notification from XXXX on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: OK
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:
I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is Equifax. on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.

Company response to consumer: Closed with explanation