BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've got my account with Bank Of America. I was selling my car and got a check of $ XXXX which i deposited to my account, ask the bank teller how long it will take to clear the check, she said next day. 
Next day entire $ XXXX money was in my account. I went to the site and looked at the transaction and all looks normal as my account was credited by $ XXXX. 
The person who sent the check mentioned that funds have been moved out of his account. 
At this point I am certain that transaction has gone through. I paid $ XXXX to a moving service on behalf of the buyer. 
2 days later the entire $ XXXX was gone and check bounced. I was frauded for $ XXXX. 
Why BOA didn't mention in the transaction that Check hasn't cleared and these are courtesy funds??? How do I know that they made it available based on my records but didn't inform me. 
Complete lack of transparency from their side and now they're not taking responsibility whatsoever and blaming me as a consumer to be aware of this. 
How I suppose to know and I transferred money using XXXX, BOA app and they aren't taking responsibility of that either. 
Need government help here. It's so easy technology wise to inform consumers that funds aren't cleared fully and you've courtesy fund provided by BOA. Simple write on the banking transaction to make consumer aware so they don't think that check has been cleared. Right? 
I need my hard earned $ XXXX back. And I want government to add these minor adjustments to banking regulations to protect consumers. 
Thanks! 
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 2022-05-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 XXXXXXXX have all violated my rights. 

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

They have all violated my 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.

I have not given them any written instruction to furnish anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Hewitt-Capital
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019, XXXX XXXX from Hewitt Capital contacted my son and gave him details of an outstanding debt. My son called me stating that the person was threatening to send letters to my place of employment. I also received a message from XXXX XXXX that states that Hewitt Capital has been trying to reach me and if I don't call back, the company will send legal paperwork to my place of employment. I called her back and asked her to no longer contact my son and further action will be taken if my employer receives personal paperwork. The original debt will not be paid because I have disputed the amount they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 2023-07-07
Company: Radius Global Solutions LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just checked my credit and radius global added a debt that is old from when I was an identity theft victim. I thought it was illegal to add old fraudulent debt. It is on XXXX. This is not right and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home insurance not being paid by escrow account. I have already contacted your agency and am now receiving phone calls with unknown name on caller ID, first no message then message no name no ID number to call Loancare. After several attempts and being on hold for up to 45 minutes am being told that you contacted them and they are looking into issue. We are receiving by mail that we do not have homeowners insurance, do not have flood insurance and offers to refinance with them. We are lucky enough that we have closed on a refinance ( at our expense ) so we do not have to deal with them. We now are left to fight to get our escrow account with them refunded to us. 
Especially during these times Loancare 's predatory insurance programs are hurting many consumers. 
How can we get help to get our refund of {$2800.00} from our escrow 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 explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2020-08-19
Company: SYNCHRONY FINANCIAL
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:
Credit Card information is reporting on my credit inaccurately which is hindering me from getting approved for a new 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 2023-03-01
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called Holloway Credit Solutions, LLC twice now to inform them that I have paid a debt that it is attempting to collect. I called first in XX/XX/XXXX. I have proof of payment that was paid in XXXX of XXXX. Holloway Credit Solutions has continued to harass me about the debt. I called again today, XX/XX/XXXX. I again presented evidence that the payment was made. I have the statement from my HSA debit card to the provider for the exact amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist incorrectly calculated the amount needed for escrow before closing. When the issue was raised they were estimating property taxes to be greater than 50 % of what should be expected -- they told us we had to wait until the tax bill came due a full year later. 

A year later, Truist finally processed 2/3rds of the escrow refund owed ( more on this later ). The check never arrived. Since XX/XX/XXXX we have been trying to get the check reprocessed. In that time, we have been told it has been expedited. We were also told one week that it was processed and sent via XXXX 2 day. None of this is true. 

As of today, XX/XX/XXXX, the issue is still 'in the hands of Research. ' Every attempt to escalate is answered with, 'we have escalated this. Check back in 24-48 hours. ' While this was going on, Truist still was wildly over-estimated taxes and was increasing our mortgage payment starting in XXXX. Even though XXXX XXXX had the correct information for XXXX available. After intervening and requesting an update to XXXX by providing the tax bill, Truist processed yet another refund. Not XXXX 2 Day, but XXXX, yet again. We are still waiting to see if this check shows up. 

Long story short, Truist has erroneously withheld amounts totaling, over a year to, {$10000.00} from us. The representatives we work with provide incorrect or conflicting information. 

We have been trying to resolve this issue since XX/XX/XXXX to no avail. What's even more frustrating, we knew the overage would be insane XX/XX/XXXX -- and Truist did nothing to prevent this from happening ahead of closing. We were told to wait for a refund. 

If I owed Truist XXXX XXXX, lump sum ... how do you think they'd enforce collection? Surely wouldn't accept 'wait 24-48 hours and check back '

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 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Since XX/XX/2015 Bank of America has refused to remove a XXXX  XXXX XXXX XXXX XXXX HELOC lien on my property. I had two similarly situated properties and the HELOC lien was properly satisfied on XXXX parcel, pursuant to a settlement with the US Federal Justice Department see : XXXX : XXXX. They promised to release the other HELOC and I submitted the documents they requested. They did not release it or provide a written reason for their refusal. They told me to call some XXXX # for a company I've never done business with and is not on my title. 

Bank of America has not only refused to provide the satisfaction, they have responded to letters from my lawyers by providing confidential credit card account statements for a " XXXX XXXX XXXX '' ( no relation ). Poor Mr. XXXX, Bank of America has update his credit card account to MY LAW FIRM 'S address?? Not once, but twice - after my lawyers expressly advised them of the error. This utterly is inexcusable! 

Bank of America 's inaction in removing the cloud on my title severely impairs my property rights. I have expended considerable financial resources to resolve this matter but XXXX XXXX to XXXX Bank of America, refuses to provide even the courtesy of a reply.

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: AL
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:
These unauthorized inquiries are negatively impacting my credit history and financial well-being. I kindly request your assistance in addressing this matter and having these inquiries promptly removed from my credit report. 

The unauthorized inquiries are as follows : XXXXXXXX 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 2022-01-25
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After I graduated from the Ohio XXXX XXXX XXXX XXXX, my loans were consolidated with Navient. The original amounts were {$130000.00} and {$45000.00}. I have been paying on these loans for 20 years, total amount paid XXXX. My outstanding balance is {$180000.00}. 

I feel taken advantage of. I filed for bankruptcy in 2014 Chapter XXXX, only to be penalized for it by Navient. This is wrong. What Navient has done to me is wrong. 

I am in a repayment program, that most sees nearly half of the payment going to pay interest and not the principal. 

I would like my case added to the Class Action lawsuit against Navient, filed by multiple states. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Pendrick Capital Partners Holding, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. Transunion shows that I have a balance on my XXXX XXXX for {$7200.00}. This car was paid in full by the insurance and I have a XXXX balance- account closed, I have notified them twice and they continue to report as accurate of {$7200.00} which is incorrect-this account needs to show as closed. The account for the XXXX does show closed and XXXX balance on my XXXX  report. These should match. 
Now, XXXX has 4 collections showing open accurate from XXXX XXXX   for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. Transunion has these same 4 accounts as closed. I think these should also be closed on my XXXX 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 2022-12-09
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:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 late payment that is not true and one account that is not mine and one account reporting the wrong amount owed

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 2018-12-09
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My Fico score is innacurately showing XXXX. It was XXXX last month. My FICO score should be in the high 700 's. Experian has been showing innacurate info for years without explanation.They are criminally and falsely reporting on my credit report. I will be involved in the class action lawsuit against them if this isnt resolved A.S.A.P. XXXX  acurately has my score at XXXX and XXXX at XXXX. There needs to be an intelligent explanation, not an equivocal one, expalaining their discrepancies.

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 2018-04-23
Company: Radius Global Solutions LLC
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 is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-01-25
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got behind on my car payments due to be laid off work during Covid, I filed chapter XXXX so I could keep my car because they were threatening to come and get it but work was still slow and my XXXX was XXXX XXXX  XXXX XXXX so I had a XXXX XXXX issue I was dealing with got behind on my chapter XXXX payments so the court dismissed my case and I called CNAC to n mom she arrangements on my payment but they would only only agreed to giving me a week to come up with XXXX fir the 1st week and 150 each additional XXXX XXXX XXXX of course I couldnt come up with the XXXX so they put my vehicle up for repo and continuously call my phone 10-15 times a day sometimes back to back, its non stop from XXXX right on the dot to XXXX XXXX. can something be done about this? I Feel like its harassment what youre doing to me they call using different numbers after they just called from credit acceptance, it happens every single time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
Applied for a new credit card and was declined. Add after receiving an increase on another credit with bank. No one can give an answer to why. But says I have to wait on the letter. Even though I meet all the requirements. XXXX credit score, income $ 500k a year. Debt 2 %, no liens, no bankruptcy, no collection, and 5 yr history with bank. No missed payments. Still declined. Lol are you kidding 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 2021-03-08
Company: EQUIFAX, INC.
State: CA
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:
A collection account for XXXX XXXX XXXX ( XXXX ) is showing on my credit report. This is fraud and wasnt authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CITIBANK, N.A.
State: KY
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: Card was charged for something you did not purchase with the card

Complaint:
I just noticed some charges racked up on my credit card which i did not make. I contacted the customer care as soon as i noticed. I did not use the cards so apparently my cards were stolen. The charges should be around {$38000.00} to {$39000.00} if not more. I want this resolved as soon as possible and i want my money back since i did not spend it.

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