BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Over the summer of XXXX Bank of America had a promotion if you 1 ). opened an Advantage Savings Account, 2 ). Deposited {$1000.00} or more, and 3 ). Maintained a daily balance of {$1000.00} or more in that account that {$100.00} would be deposited into the account. 
My account was opened on XX/XX/XXXX. The promotional documents stated funds would be deposited by XX/XX/XXXX. As of XX/XX/XXXX the funds have not been deposited. When I contacted Bank of America I was told in would be deposited in two weeks, to wait, and to call back. 

I have attached files that I qualified for the offer, made the deposit within the time frame specified and held the funds for the required time period.

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
HELLO, I SENT OFF MY FTC REPORT ALONG WITH MY DISPUTE LETTER TO XXXX, TRANSUNION, AND XXXX. I EVEN CALLED XXXX AND STATED BY LAW 15 USC 1681 THE FAIR CREDIT REPORT ACT, THAT THEY HAVE TO FOLLOW THE LAW THAT PROTECTS ME AS A CONSUMER. I WAS TOLD NO THEY DO NOT. THESE COMPANIES HAVE RUINED MY REPUTATION. I HAVE TRIED TO RESOLVE THIS MATTER PLENTY OF TIMES, AND THEY HAVE YET TO ADHERE TO FEDERAL LAW. 

XXXX EMPLOYEE : XXXX EMPLOYEE # : 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 2019-06-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this alleged account on all 3 credit bureaus for months now. I have sent certified letters directly to the collector and asked them to provide proof. They sent me forms that were NOT filled out by me or signed by me. They also have changed the alleged amount owed by {$5000.00}. In XXXX on my credit it showed a balance of {$21000.00} and now since disputed shows {$26000.00}. This is a violation of the FDCPA 15 USC 1692 F1.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XXXX there was an unauthorized charge that attempted to clear my bank account from an old debit card tied my checking account in the amount of {$500.00}. The card that was tried to use ends in XXXX. That card was deactivated several months ago and I have a new card for that account that ends in XXXX. However, even though that card is deactivated, the charge was billed as a reoccurring charge, therefor they could of taken the money out of my account anyway. If I would of had funds in the bank account then that charge of {$500.00} would of cleared and I would be out that amount. 

The company that tried to make the charge is tXXXX XXXX XXXX. If you XXXX that name alof of people have been scammed by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00}

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 2018-12-07
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: Account status incorrect

Complaint:
XXXX XXXX on behalf of XXXX is reporting a collection to my report. XXXX   has been out of business for a while and you can not correspond with anyone. XXXX  XXXX is acting as a collection agency however can not verify all the information. This loan was paid off to the original lender ( XXXX ) which has since filed bankruptcy

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 2018-12-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX Account " XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-04
Company: Experian Information Solutions 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:
XXXX XXXX is on my credit twice as a current, no missed payments, good standing account, then later another XXXX XXXX acct was added as delinquent. I asked XXXX XXXX what was going on they said they dont have that acct on my credit file and it doesnt belong to me and to dispute it with the bureaus. Experian marked the account as verified when even the company said it didnt belong to me. They couldnt have verified this accurately. I also asked for proof baring my signature binding a contract between us. They havent shown me any paperwork.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, Please note that I have made multiple attempts to work with Portfolio Recovery in removing the erroneous reporting on my credit report. Based on the reported information from XXXX, they stated they are the originators of this debt and that I owe it to them, which is not sure. I have previously requested proof and I have requested that this information be removed from my credit report. All of this attempts have failed to have this issue resolved The following are the dates that I attempted to dispute the reported information. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Bread Financial 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:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from XXXX, XXXX XXXX XXXX, and COMENITYXXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX and the CFPB to follow the law : Either provide documentation that the law was followed by contacting XXXX, XXXX XXXX XXXX, and COMENITYXXXX at once, or remove these offending inquiries as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.

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 2018-12-20
Company: CITIBANK, N.A.
State: CA
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:
In XX/XX/2016 I submitted a balance transfer request from XXXX XXXX to my Sears XXXX in the amount of {$1600.00}. After a month or so I saw that it never posted to my XXXX account. Over the course of two years I attempted to rectify this issue with XXXX XXXX to where they investigated on their end that Citibank ( who backs XXXX ) had cashed the balance transfer check. XXXX XXXX attempted to contact Citibank to refund the money back as it never got credited to my XXXX account that is listed on the front of the balance transfer check. It is apparent that Citibank did not respond to XXXX XXXX XXXX   correspondence and ignored the request. I have evidence of the check cashed by Citibank, the letters that XXXX XXXX sent to Citi, and other pertinent information that displays Citibank has kept the money. In addition I have copies of my Sears XXXX statements that show the money was never credited to my account.

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 2019-06-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am being harassed on a daily basis by Select Portfolio Servicing.

This is my second complaint as they just closed the first one yet keep harassing me. 

My XXXX  XXXX XXXX Loan was transferred to SPS. This loan is in the estate of me deceased Life Partner XXXX XXXX. When the loan was trasferred, everything should have been in place and I should not have to relive the past trying to prove how I have and that this was my partner and that I own this home. Back then XXXX marriage was not legal and thus I'm being drug through the mud to prove something that happened 13 years ago. This is harassment and this is discrimination. 

SPS say my payment is lower than it was before but refuses to explain. There is no reason why my payment would have gone down. I ALWAYS make my payments on time and I make an EXTRA {$500.00} PAYMENT EVERY WEEK on this loan. There is no reason I need to do anything except making the payments. 

I now receive at least one or two pieces of mail every day from SPS. I now refuse to open them and return to sender. When I open my mailbox, and see the letters EVERY DAY, I immediately feel pains in my chest. Yes this is real. XXXX XXXX XXXX has harassed me for 13 years and now it's starting all over again. It it doesn't stop I'm going to end up in the hospital with a XXXX XXXX or XXXX. It's not a joke. 

SPS needs to cease and desist. I have done nothing wrong. I am making payments on time and overpaying the loan. Why does this harassment persist? STOP. LEAVE ME ALONE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the companies that are not responding are : SYNCB/XXXX I have written and mail out validations and complaints to the 3 bureaus and the creditors to validate these inaccurate and I have yet received a response from these companies to in letter form to show case my debt. I sent letters out on XX/XX/2021,XX/XX/292021 and XX/XX/ to validate and to reinvestigate these inaccuracies and yet I still haven't received any letters.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: OR
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 closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to XXXX Mortgage. XXXX sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXX Mortgage and XXXX the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX  back on XX/XX/XXXX. I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. HPT is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Talked to XXXX and reported that my info was compromised with XXXX XXXX. I never apply for money over internet nor give my social

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 2020-11-27
Company: Debt Recovery Solutions, LLC
State: CT
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:
The company has removed the debt and replaced the debt with new more recent dates as to never have the debt removed from my credit after so many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of XXXX Data breach. I demand to remove Asap those Accounts or I will file a litigation.

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 2020-11-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Telephone call from Rash Curtis & Associates ( XXXX ) XXXX on XX/XX/2020 @ XXXX Left note with creditor that information given was incorrect. They are pursuing a debt in excess of the medical debt that was previously owed, and had not sent written declaration of intent to pursue debt. Also, have received a medical bill from XXXX XXXX that said I have until XX/XX/XXXX to pay. 

Telephone call from Rash Curtis & Associates ( XXXX ) XXXX on XX/XX/2020 @ XXXX Once more calling in pursuit to the debt, no correction of debt amount or written notice acquired yet. Under the California State Rosenthal Fair Debt Collection Practices Act AND the United States Federal Fair Debt Collection Practices Act, " Collectors may not contact you before XXXX XXXX or after XXXX XXXX '' Looking up reviews from other people about Rash Curtis & Associates reveals this is a common practice from this company.

Telephone call from Rash Curtis & Associates ( Restricted Number ) on XX/XX/2020 @ XXXX Once more calling to pursue the debt, less than one hour after previous call. This falls under the repeated phone call abuse and harassment. Again, another common tactic applied by Rash Curtis & Associates in attempts to collect debts.

The company Rash Curtis & Associates has been under numerous lawsuits for these tactics as they are blatantly ignoring the law in an attempt to collect debts, even when the facts of the debt are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: CT
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:
I called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXXXXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.

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 2018-07-23
Company: Credit Bureau Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had XXXX at XXXX XXXX Medical Center on XX/XX/XXXX. I received my first bill the end of XXXX XXXX after which I called them and explained that I am only receiving {$320.00} a week on unemployment ( ended in XXXX ) and would need to make monthly payments until the bill was paid off. Since that phone call interaction I have made the following payments. 

XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} I received a collection letter dated XX/XX/XXXX after which I contacted XXXX XXXX again and told them I was continuing to send them payments as agreed to earlier and did not understand why I would be sent to collections. 

Today when I got my mail, XXXX XXXX has returned my XXXX payment stating they are no longer handling my account. This seems illegal since I was making an honest effort to pay the debt. 

I have not received any further correspondence from the collection agency and my XXXX payment is not shown on the XXXX collection agency letter and was not returned to me so XXXX XXXX must have excepted it but did not apply it to my outstanding debt. 

XX/XX/XXXX XXXX XXXX amount due {$2000.00} XX/XX/XXXX CBCS Collections amount due {$2000.00}

Company response to consumer: Closed with non-monetary relief