BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, account ID # 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 response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My father passed away and his money market and checking account were set up as POD, payable upon death, to me and my brother and sister. Before we even got back from his funeral, they froze his account and said they would not honor any checks written against the account, even if they were written before his death. We went to the Bank of America to close out these accounts. They said it would take XXXX business days to get our money. We had just come from another commercial bank and it took us XXXX minutes to close the account and get our money. So, we got into a long discussion on why it took so long to get the account closed. I had talked on the phone with Bank of America XXXX days before we went in. They said if we presented a Death Certificate and signed papers the branch bank would cut us checks. Never happened and after talking to several different people with several different answers, the time period for getting the checks esculated to XXXX weeks! We left the bank without any resolve to our situation. So each FDIC bank can make up their own rules on when someone can get their money. Either Bank of America is breaking the law, or the Banking sector has no real hard and fast rules for protecting customer rights to their money. What good is a Payable on Death account if the Bank of American can make you jump through infinite hoops to try and get your money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Today XX/XX/22 I received a direct deposit from the XXXX OF {$860.00} into my cash app account, I then transferred {$700.00} for my savings into my other account. when I went to log into the account I transferred the funds to it wouldnt let me log in.. I then contacted support to see if they were able to give me access back to my account so I can take my {$700.00} out, or just send the money back to where it came from ( my original account ) since I they wont give me access.. XXXX then proceeded to tell me there was nothing they could do, and that basically the money is gone and I wont be able to access it again. I need my XXXX back this is extremely frustrating, my rent is due, I have bills, this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have XXXX accounts with Barclays. I made a electronic payment of {$3900.00} to the account Barclays XXXX Card on XX/XX/XXXX and it was applied to my account on XX/XX/XXXX. When I notified Barclays about the error with my other Barclays account with the missing payment I sent to them of {$3700.00} to be applied to my XXXX XXXX Barclays card and was forced to escalate the missing {$3700.00} payment they completed a balance transfer from my XXXX Card that had less than {$450.00} remaining, without my consent to complete a balance transfer or without notifying me. They transferred the {$3900.00} payment to the XXXX XXXX account and charged me a balance transfer fee and additional adjusted interest payments. My new balance for a card that was almost paid to zero is now over {$4500.00}. My account they transferred the money to now has a negative balance of over {$3400.00}. 

I have called numerous times and nothing is being done to correct this issue.

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 2022-07-06
Company: Experian Information Solutions 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Reason : Miscellaneous Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 



Sincerely, 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 explanation
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Can seem to get it paid down sometimes my whole payment goes to Intrest n not principal I feel like I am getting ripped off they never can help me with being able 2 pay off n they haresse me all the time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: AmeriHome Mortgage Company, LLC
State: NJ
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:
My mortgage company AmeriHome Mortgage XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report AmeriHome was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2015 a repersentive from HUD stated " Bank of America submitted a new variance request over to HUD today and we have approved this and let BAC know and they will now be moving the file forward. Let me know if you need further assistance. " As of today, XXXX/XXXX/2015, BAC has not moved the file forward in the 7 days since then? The variance was approved. The offer I sent on XXXX/XXXX/2015 meets the minimum net and is not requesting any closing cost assistance. We should have an approval letter by now. Why is BAC dragging their feet? 

Also, BAC has scheduled a foreclosure sale on this property despite having the short sale contract package since XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The following complaint is against Bank of America. Loan # XXXX in conjunction XXXX XXXX Ph. XXXX Whom was supposedly facilitating our loan modification review .We submitted all requested documents in XXXX XXXX To Bank of America XXXX XXXX XXXX Bank of America sent correspondence stating I needed to sign my XXXX tax return, Send recent bank statement. Forward by XXXX I emailed/faxed copies of the documents to XXXX XXXX XXXX XXXX XXXX who was supposedly facilitated the modification. Approx XXXX XXXX. XXXX I called XXXX XXXX requested to speak with XXXX XXXX received his voice mail again. This Matter has been going on for three years. very disturbing for someone whom takes account for my lack of .However both Bank of America/ XXXX XXXX should be held accountable for the unethical conduct surrounding the matter at question. Had no idea the due process for a loan modification would result in filing mutable complaints. Seems as if this is the only way to obtained a response from Bank of America/ XXXX XXXX XXXX Note : I have FHA loan the bank is suppose to allow me a modification if I met the guidelines within the 24 months required before requesting another modification prior to the current..

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 2020-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Friday, XX/XX/2020, I found that a {$9200.00} check was deleted from a commercial deposit by the bank with explanation. I went to the XXXX, GA Bank of America branch to attempt to resolve the issue. While researching the issue, a banking associate placed me on the phone with an account closing specialist who told me that management had reviewed my relationship and decided to close al personal and business accounts. Debit and credit cards were cut off immediately. I was given two weeks to move my relationships, at which time al funds would be frozen until they got around to sending me checks toward the end of XXXX. 

My personal accounts had been open for more than 25 years. My business accounts were all over five years old, one was fifteen years old. 

After all that time, I was given two weeks to move eight highly active accounts. Eleven debit/credit cards were cancelled immediately, with no notice. 

The specialist refused to give me an explanation and stated that I had no recourse. The whole thing was unconscionable. She said that written notices were in the mail, but they provided no information.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, account ID # 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 explanation
Consumer complaint received 2022-07-06
Company: Velocity Portfolio Group
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted CKS Prime Investments/ Velocity investments to validate this this alleged debt and they sent a letter stating that there was a judgement against me with No details and copies of some statements. I Never did any business with CKS or gave them permission or agreement to address me with any matter. I sent the first validation letter on XX/XX/22 a response from CKS/ Velocity on XX/XX/22 a second proof of validation on XX/XX/22 and no response. XXXX XXXX XXXXXXXX certified information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reading and understanding my federal rights as a consumer, according to the Fair Debt Collection Practices Act ( FDCPA ), this law is intended to protect consumers from abusive, deceptive, and unfair debt collection from debt collectors. It is my federal right as a consumer pursuant to XXXXXXXX XXXX XXXXXXXX ( XXXX ) to receive meaningful disclosure of credit terms so that I will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me against inaccurate and unfair credit billing and credit card practices. As the consumer, I am requiring Discover Card to send me a notice of VALIDATION of debt pursuant to 15 USC 1692g. Communication with me should cease through all/any medium until notice of debt is given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Started repaying my loans in 2010 to XXXX XXXX which is now Navient. I have been struggling since then to repay my student loans and have been living below poverty level to make sure that my bills are paid. I contacted Navient several times to try to set up a payment plan that I can afford. They refuse to work with me and I just can not afford their idea of a payment plan. My parents offered to do a settlement and the representative refused and was rude and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
national credit system XX/XX/2019 XXXX I have tried several times in asking for your help with a debt that does not belong to and also provide information that this debt is not mines know you need me know choice but to file a law suit which i will be asking the CFPB to come to court and testify once again the account is not mines the company have yet to show proof I file a complaint with FTC along with identity fraud report and telling me to file again so national credit system can do their investigation they do not even sound right i have enclose some documents along with this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Investigation took more than 30 days

Complaint:
Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11
Company: Northern Alliance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed {$75.00} for my iPhone and I was never contacted about my card never bring charge 2 years later. I get a call from a collections agency that my debt is now {$700.00} dollars. This is n't fair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State 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 2022-07-06
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:
I asked the credit bureaus to do a verification on my credit report, and they did. But did my own research and found improper actions on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TD BANK US HOLDING COMPANY
State: FL
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:
The TD BANK is abusing in collecting XXXX $ overdraft fees even my account is not enrolled in such service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I have recently viewed my Equifax credit report on XXXX to find Inquiries from companies I did not authorize, and are Identity Theft. I contacted Equifax directly and just keep getting the run around and transfered only to be hung up on after holding for 35 minutes. I expressed to them that this is stopping me and my family from aquiring a home. I have also contacted the Federal Trade Commission in this regard. I pull my credit report every week and they have not been removed. I've called equifax everyday for past month and nothing has been removed. Please help. My family needs a place to liveand this is stopping our process.

Company response to consumer: Closed with explanation