BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America -- My husband and I are XXXX XXXX XXXX, currently stationed at the XXXX XXXX in XXXX. On Friday and Saturday ( XX/XX/XXXX-XX/XX/XXXX ) my husband was unable to access his savings account online. He waited till Monday ( XX/XX/XXXX ) to call Bank of America customer service, re : this issue, as that was when main customer service is open. They informed him they had closed the account and they had the right to do this, with no notice or recourse, as per the terms of the policy when he opened the account. A check would be mailed to his home-of-record address, but no time-frame was given. When I inquired about the status of our joint checking account ( which we have held for the past 25 years ), I was told it was scheduled to be closed, but they were unable to tell me when or why ( same story as above ). I asked to speak to a manager and was disconnected. I called back and was told the " Risk Management team '' saw foreign transactions in the account and decided to close it as a " business decision ''. I explained I am a XXXX XXXX XXXX and have served most of my 18-year career outside the US, so there were bound to be foreign transactions. I also told them that a check, sent to my home of record ( my aunt 's house ) would not get to me for 4-6 weeks and this would cause great difficulty, with no access to my funds for such a lengthy period of time and 2 business trips fast approaching. I again asked to speak to a manager. Again, I received the same speech about them having the right to close the account at any time. Again, I was disconnected.

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/20 XXXX XXXX.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Investigation took more than 30 days

Complaint:
I have previously submitted a complaint the CFPB stating that my dispute sent to the three bureaus on XX/XX/2022 was ignored and no response was given within the 30 days required to respond. Per the FCRA, if there is no response within 30 days, the disputed information must be removed. I did NOT receive a response within 30 days of sending my dispute!!

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 2022-02-13
Company: Experian Information Solutions Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX / XXXX / {$5500.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX  XXXX XXXX / {$0.00} - {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2019-10-08
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:
+HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as 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 non-monetary relief
Consumer complaint received 2019-10-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account at citizens bank on XX/XX/XXXX. I was not told when I opened it ; however, when I called them today, I was told that it was in the fine print I signed regarding a mandatory 27 day hold on all checks deposited in a new account. I began to inquire because this could cause my auto pay to have insufficient funds. From here, the inconsistencys began to spiral. I was told all checks must follow this federal regulation and there is no leeway the bank has on this. Ironically enough two of the checks were available within 48 hours. The third check, which was a larger amount, is still not available. All three checks were done on mobile banking consecutively. When I called today, I am told they can see it cleared from my bank and the fund are there but not available until the 27 day hold is up. Frustrated with the inconsistency, I contacted to federal reserve board. The gentleman I spoke to there stated, if the bank knew the funds were there, they could release the hold. This definitely seems like a problem with inconsistencies, incorrect information and unfamiliarity with the federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: AZ
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:
MY BIRTH DATE IS REPORTED WRONG And the 2 previous addresses should not be listed I never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: EQUIFAX, INC.
State: NM
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:
Equifax is ignoring my many requests to investigate, verify and remove one account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail yesterday, 7/31/19, from a debt collection company called Convergent. They stated I owed my former XXXX office, XXXX XXXX XXXX, XXXX. I have not been to them in 2 years. I immediately called XXXX XXXX. They have no record of me owing that much or that anything on my account was sent to collections. I researched Convergent, who for all intents and purposes, look like a legitimate debt collection agency. I called them to settle the matter. It took over an hour for me to get through to the correct department. When I finally spoke to a rep named XXXX, he was very hostile from the start. They have this collection dated for my last appointment 2 years ago. Convergent says my debt was sold by XXXX XXXX to a company called XXXX and Convergent is trying to collect my debt on behalf of XXXX. Despite this, they could not give me contact information for XXXX. I reported this debt as fraud to them and tried to call XXXX XXXX back but they were closed for the day. I then called my previous health insurance company to check what my last claim for XXXX XXXX was. They said that I had a copay and a deductible which, again, were not anywhere near the amount Convergent is trying to collect. When I got through to XXXX XXXX the next morning, they told me the amounts that they had on file for my last payments. Those amounts did not match the XXXX at all and they were marked as paid. They said they don't deal with either of those companies for debt collection. They deal with XXXX  XXXX XXXX and gave me the number. XXXX XXXX  XXXX  says they have no record of any debt I owed on file and they do not buy or sell debt. When I contacted Convergent again, I was bounced around until I finally landed with a woman named XXXX. She said the account has been marked as fraudulent and they will contact me after they look into it. I don't understand how you can "buy debt" and have no way of tracing it back to its original source to verify if it is true or not! My credit and my sanity are taking a hit because of a XXXX debt that no one has any record of!

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 2021-09-20
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX a payoff check was sent to Carvana/XXXX in the amount of {$67000.00} matching the payoff quote given to me by Carvana/XXXX on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. 

The payoff check was received by Carvana/XXXX on XXXX as indicated by my online portal at XXXX. The account showed " Paid in full ''. 

On XXXX a check in transit for the next months payment was received by Carvana/XXXX after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. 

On XXXX I received a check from Carvana/XXXX in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Carvana/XXXX  after the payoff and that was cashed by Carvana/XXXX. The amount of that check was {$1100.00}. 

In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Carvana/XXXX. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. 

Upon calling CarvanaXXXX at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full. 

Additionally, they informed me that there was no time frame upon which they will release the title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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:
There is an inaccurate account listed on my credit report that I have requested documentation for multiple times but I have failed to receive documents via mail/fax/e-mail. 

The amount the account was placed into what appears to be a Debt Collection Agency titled " XXXX '' with account # XXXX was opened in the amount of {$120.00} on XX/XX/XXXX. The account in reference has been in collections since XX/XX/XXXX in a state which I have not resided in since XXXX. 

I have failed to receive any type of documentation from the credit reporting agency as well as the creditor/original creditors in regards to the validation of this debt. I request a formal investigation into this matter and documentation mailed to me showing the original account opening including photocopies of driver 's license at the time of opening, signatures, and other vital information required to open an 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 non-monetary relief
Consumer complaint received 2019-10-08
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX and i paid it. I have since incurred a duplicate amount on my credit report from a company for XXXX. I have told them that this has been paid but not had any success. Please help me to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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 information incorrect

Complaint:
This credit card account with XXXX XXXX XXXX was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards. 

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that XXXX would no longer be servicing secured credit cards, XXXX failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : 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 2022-02-13
Company: Experian Information Solutions 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:
This credit card account with XXXX XXXX XXXX was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards. 

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that XXXX would no longer be servicing secured credit cards, XXXX failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : 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 2019-02-17
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have an account with Citibank World Mastercard that went 7 days past due for the amount of {$38.00}. This account has never been past due and we didn't realize the original payment was a little short. A simple reminder would have sufficed and we would have promptly made up the difference. Instead, Citibank has contacted us via phone at least 6 times in the past three days ( we think more where there wasn't a message left ). While we are only {$38.00} past due, their message misleadingly indicates we must pay {$420.00} as it's the balance due ( which the actual due date for the additional amount over {$38.00} is XX/XX/19 ). We contacted them twice and I also answered the phone one additional time letting them know we had made a payment and we had also transferred a payment via reward points to them which would more than cover the amount past due. This morning within 5 minutes of me hanging up the phone with them, they called AGAIN! I asked for a supervisor and advised about the payments on the way and that they were harassing us with all of the calls and threatening, misleading messages. They claimed they notated the account so the calls would stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: OH
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 XXXX  XXXX XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ). Am invoking my specified remedy as a consumer, and I demand Experian to obey the law and remove PRIVATE INFORMATION from my consumer credit file. Pursuant to 15 USC 1681 ( a ) ( 4 ). A consumer has a RIGHT to privacy. I have sent proof of this illegal action as well as Exhibits. Govern yourselves accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX XXXX XXXXXXXX / {$1400.00}

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 explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX  XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since 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