BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
At about XXXX on XX/XX/2017, I transferred funds ( {$100.00} ) from my Bank of America account ending with XXXX to my XXXX XXXX credit card because it is the only checking account that I maintain and it is linked with my XXXX XXXX card. 
At the time I did the transfer, the balance in my account showed that I had sufficient funds to complete the transfer, because when I did the funds transfer, it went through. 
The following morning, at about XXXX XXXX ( XX/XX/2017 ), when I checked my bank account balance, I noticed that Bank of America has charged me {$35.00} late fees. I immediately went to the bank ( see a screenshot of my account ) to replenish my account. 
As soon as I added funds to my account, I called my bank to dispute the charge and request that the fees be reversed. 
I 'm disappointed that Bank of America refused to reverse the late fees. 
Hence, the reason for my complaint.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Regarding previous complaint XXXX, I received a call from XXXX at XXXX XXXX on XX/XX/XXXX advising me that they were able to find the loan information and stated that it was still in their collection department and told me that a supervisor will cll me back to advise on how to settle it, when I did not hear from them I called on XX/XX/XXXX and was again advised that someone will call me back. When I did not hear back I called again on XX/XX/XXXX and spoke to XXXX who advised me that a 80 % settlement can only be approved from the supervisor XXXX. I received a call from the supervisor who approved the settlement. I went ahead to a branch and paid the settlement balance XXXX $ in the form of cash, and the rest in a check on XXXX. Once I made the payment I called the collection department and informed them of it they told me that I would have to wait for the check to clear before I can be sent a settled in full letter. On XX/XX/XXXX the check cleared and I again called to request the letter, I spoke to the Supervisor who advised me that it would be done. On XX/XX/XXXX when I did not get the letter I called XXXX collection again and was transferred to the customer service department and spoke to XXXX who informed me that I would not be able to receive a letter as the account is not saying that it is settled and still has a balance. I called the collection department again and was told I have to speak with the supervisor a message was sent to it asking him to call me back. On XX/XX/XXXX I got a letter from the XXXX written by the supervisor listing my name with my previous address ( even though I corrected it many times with the collection department and addressing me as a different person.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: CA
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:
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 given reporting agency can not furnish an account without my written instruction.

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 2020-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. You are reported inaccurate information : totally different, or missing. I attached copies of my annual credit reports so you can find wrong information on my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account without me knowing. I ultimately received a letter in the mail about a week after I found out it was closed. 

Account closed on XX/XX/2020. I found out due to not being able to log into my account on mobile and web. I called bank of america to figure out why it was closed. They informed me that it was closed due to a business decision. Due to this closure, all my money is currently locked up and I am not able to pay bills. About {$2300.00} is locked up. 

Bank of America informed me the account is closed and a cashiers check has been mailed out and that it should take 7-10 days. It is currently XX/XX/2020 ( 12th business day ) and I have not received it. 

I call everyday to see if there is anything they can do about cancelling the current check or reissuing. They keep saying there is nothing that they can do. 

I need to have access to my funds so that I can make my payments.

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: Checkr, Inc
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
it's me XXXX XXXX XXXX i don't really know where this consumer come from i just went to applied XXXX foods delivery then i got this, if i know it won't happen it anyway, can you guys help me with that my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Information belongs to someone else

Complaint:
I LOST MY IDENTIFICATION AND MY SOCIAL AND SOMEONE WENT ABSOLUTELY CRAZY. THEY WENT AND APPLIED FOR A LOTE OF THINGS.. I DONT KNOW HOW THEY WERE ABLE TO DO THIS WITHOUT ME BEING THERE. PLEASE REMOVE THESE INQUIRIES, I HAVE BEEN TRYING TO KEEP MY CREDIT TOGTEHR AND THIS HURTS A LOT

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 2020-07-15
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midwest Recovery Systems placed a collection on my credit report. No validation process was followed. No information Was provided regarding what the debt was for. I researched and verified a fraudulent pay day loan was made in XXXX of XXXX. The debt was from a fraudulent XXXX XXXX XXXX  loan. I filed a Identity theft report and police report for several fraudulent accounts opened in XXXX due to my information Being leaked in a XXXX email data breach. No XXXX of XXXX Midwest recovery systems Files a fraudulent collection that is over 7 years old and does not have any certified documentation verifying I requested a loan with XXXX XXXX XXXX. I expect this fraudulent debt to be removed and no further reporting made for a fraudulent debt from over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed these medical bills via telephone, XXXX  XXXX  and in person and still nothing has been done.and upon further investigation supposedly by XXXX  XXXX  they have the nerve to say that after further investigating that it was me who made these costs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
There is a dog scammer trying to sell Dalmatian puppies out of " XXXX, WA '' supposedly. After finding the ad online, we paid the deposit and the cost of {$580.00} via XXXX from my bank, XXXX XXXX, on XX/XX/XXXX to deliver the puppy to our home. The supposed transport company, " XXXX XXXX XXXX XXXX '' was going to deliver the dog on XX/XX/XXXX. The transport company tried to tell me they were in Billings, MT at the XXXX XXXX XXXX and that i had to pay them more money to get my dog. They said they had been there for three hours in the parking lot. I then called Billings animal control government number and got an animal control officer to drive out there and they reported not a single car was there. Basically it was all a scam and i have pet transfer contracts and everything as well as emails and texts. When i told my back about this, they refused to help with the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NY
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 to the fair credit reporting act XXXX account # XXXX, has violated my rights in Pursuant 15 USC 1681 section 602 A states i have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 I submitted a ltter to XXXX XXXX asking the following : XXXX XXXX XXXX/ XXXX XXXX Account # XXXX -What Name Does This Belong To? 
-What Social Security Number ( SSN ) is affiliated with this account? 
-What address do you have on record? 
-How have you certified for this to be accurate under the FCRA?

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While looking for a car and speaking with a salesman, I was clear to only run y report once, but my credit was shopped around to numerous lenders that I never asked for.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I strongly request that you update my account to accurately reflect my 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 2022-04-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I get two pensions and Social Security and when these checks are due if the date falls on a Saturday or Sunday they dont release the money till the following Monday. Other previous coworkers get all there checks from same pension fund on time from two different banks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX/XXXX  XXXXXXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX  not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2023-03-14
Company: EQUIFAX, 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'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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: TX
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX of XXXX, I received notification from Fay Servicing , LLC informing me that they will hereby service my loan from settlement on XX/XX/XXXX, from a previous lender. 

As per the settlement HUD, a total of {$1600.00} was deposited with the lender as follows : County taxes ( {$890.00} ) Hazard Insurance ( {$740.00} ) On XX/XX/XXXX, Fay Servicing , LLC applied the full amount of {$1600.00} into the Escrow account. 

On XX/XX/XXXX, I received an Escrow Analysis from Fay Servicing , LLC claiming a shortage of {$1900.00} in the Escrow account. Despite the {$890.00} tax amount already deducted at settlement, Fay Servicing paid an additional Township tax of {$2500.00} on XX/XX/XXXX for tax year XXXX. The alleged tax payment amount of {$2500.00} is inaccurate and nearly 4 times greater than the annual estimated tax rate as per the XXXX property assessment value calculation. 

However, this incorrect amount was used to determine the alleged shortage, the required low point and other calculations resulting in a new Escrow payment amount of {$320.00}, an increase from {$160.00}, effective XX/XX/XXXX. 

On, XX/XX/XXXX, I contacted my account representative via phone and he stated that he would look into it but never followed up. I proceeded to contact Fay Servicing again on XX/XX/XXXX and was transferred to a new account manager who told me that the {$2500.00} tax was charged by the City of XXXX and that Fay Servicing simply paid it. I was told to contact the City of XXXX for a tax receipt and Fay Servicing would gladly correct any discrepancies and refund any charges. However, the representative did not offer to furnish any payment receipt ( s ) made by Fay Servicing. 

I contacted the City of XXXX Revenue Dept. and received an e-mail response on XX/XX/XXXX from a Revenue Collection representative clarifying that the property has and active Tax Abatement and that NO taxes were PAID nor DUE for the years XXXX and XXXX. 

I contacted Fay Servicing again on XX/XX/XXXX and spoke with yet another new account manager. As per our conversation, she informed me that she recently acquired the account and was unaware of the issue. She then searched to find that the issue was under review as of XX/XX/XXXX and was not sure when I would receive an update but stated, maybe in 5 days. She also facetiously replied that theres something called a pandemic going on right now and that things are busy. I completely understand. Ironically, Fay Servicing denied me Economic Hardship Assistance due to COVID-19 because the the investors decided that my loan doesnt qualify. 

As of the date of this writing I have yet to receive any correspondence from a Fay Servicing LLC representative regarding this Escrow issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After sending multiple letters to Midland Credit as well as an validation of debt letter and a cease and desist regarding an alleged debt. I received what appears to bank statements as proof of verification that the so-called alleged debt is indeed mine. But it is not mine XXXX XXXX ' debt I never signed a contract nor gave my social security number to Midland Credit Management nor XXXX the so-called original creditor. Pursuant to 15 USC 1602 ( e ) " person '' refers to a natural person. Also pursuant to 15 USC 1692a ( 4 ) a Creditor refers to any " person '' who created the alleged debt. Therefore you are attempting to state I, XXXX XXXX, the natural person created the alleged debt but I did not. You said the last four of my social security number was used to open the account but I never used the last four of my social security or signed a contract with you and XXXX to open this account. Pursuant to 15 USC 1692g only I the alleged creditor/natural person can verify this alleged debt and only you the debt collector can " ASSUME '' the debt is valid. An assumption is not fact and which is why pursuant to 15 USC 1692g ( c ) it also states the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I'm not liable for this alleged debt that is not mine and in no way can you nor a court interpret otherwise, not even if I did not exercise my right to attempt to validate beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been scammed by CitiBank. Without my authorization, Citibank has approved ACH transaction of {$10000.00} to pay for a stranger 's utility bills to service providers such as XXXX ( electrical bills ) XXXX ( Mobile phone service ) and XXXX XXXX XXXX service. The money was drawn from my checking account without my authorization. 
Citibank has violated SEC rules and regulations. They have authorized the fund transfers based on a telephone call from a stranger imposter. They have neglected to exercise due diligence. They have refused to reimburse me for the unauthorized fund transaction.

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