BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
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:
on XXXX  we found out on our bank/checking acct got fraudulent ACH transferred of XXXX  Right afterward, we noticed it is fraudulent, we call the bank to freeze the account, and submit a claim. There were two others fraudulent attempts later on but thankfully the account is frozen. The next date XX/XX/XXXX the acct got charged XXXX dollars and XXXX  it was attempting to charge XXXX. We got all the funds back from XXXX and XXXX. However the first fraudulent Ach of XXXX was still under investigation according to bank. I submitted everything they needed and police report. I am having no luck on bank of America replying back to me. XXXX is not a small amount of money and I need the fund for my business to operate. Please help thanks. I felt like this is inadequate for a big corporation especially a bank we all trusted. The only response I got back from Bank of America is that to go look for XXXX. I tried approach XXXX, XXXX  indicated that they cant help me since it is initated through bank of america. My lawyer have emailed a letter to the bank of america indicating proof of point of contact and transfer, no response. My main concern is first why Bank of America never texted or call indicated alert of transfer. Second online it indicates that usually more than XXXX it will be block, the amount exceed 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 2022-12-05
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
2017 My first lease with XXXX XXXX I received 3 tax amounts from city of XXXX XXXX. XXXX paid 2 of the amounts and had me repay them for the town taxes. I never received credit for any of those payments at tax time. I continued my next lease with them as I understood their processes to pay them tax back when able. 
They must have changed the process and did not notify people. I am now told that my payments made on time are not on time as my money was applied to town taxes. I explained to them that even town taxes don't work that way and if you don't pay you will deal with the XXXX yourself. I am not sure why they are stressing out consumers with the on going pandemic, recession and life? I promise I will not go back to them next lease!! I was informed that if I don't pay the tax part because that is the part they are looking for that I will be in default of my lease loan? I have 15 days to do this in. 

I feel taken advantage of, oh and my car payments are {$420.00} monthly and I make XXXX an hour. XXXX XXXX  and divorced!

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 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a 12 months CD with bank of America in the month of XXXX. Few months later, in the month of XXXX, i needed to access the funds, so i closed the account. Not surprisingly, Bank of America subtracted the earned interest as the account was cancelled before the maturity term. In addition, to that, they charged me {$1000.00} fee for closing it early. I chatted with CD department representative, and they agreed that it happened in error and assured me that i will get my funds back. Unfortunately, that never happened.

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account XXXX XXXX, XXXX XXXX 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 an 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 2022-09-25
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ask them for proof of original document with my signature where i did business with them. From 2021. This company has ruined my credit with this ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from XXXX XXXXXXXX XXXX  saying information related to the payment on XX/XX/2021 was corrected and updated. The mention the same letter was sent to Transunion but they never had information updated and corrected, several requests were sent nut no correction.

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 2022-09-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal, I still practicing non-faith acts. I was told it would like 90 to 120 days to refund me the funds taking out of my account. I have attached documents that show XXXX issuing the refund and as you can tell it keeps getting reversed. I would like to the bank in question to not only refund me the amount of {$300.00} within the next XXXX to XXXX busniness days. 

( E ) STANDARD MAXIMUM DEPOSIT INSURANCE AMOUNT DEFINED. -- For purposes of this Act, the term " standard maximum deposit insurance amount '' means {$250000.00}, adjusted as provided under subparagraph ( F ) after XX/XX/XXXX. Notwithstanding any other provision of law, the increase in the standard maximum deposit insurance amount to {$250000.00} shall apply to depositors in any institution for which the Corporation was appointed as receiver or conservator on or after XX/XX/XXXX, and before XX/XX/XXXX. The Corporation shall take such actions as are necessary to carry out the requirements of this section with respect to such depositors, without regard to any time limitations under this Act. In implementing this and the preceding 2 sentences, any payment on a deposit claim made by the Corporation as receiver or conservator to a depositor above the standard maximum deposit insurance amount in effect at the time of the appointment of the Corporation as receiver or conservator shall be deemed to be part of the net amount due to the depositor under subparagraph ( B ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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 with the Fair Credit Reporting Act XXXX XXXX  ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2023-10-31
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My mom ( XXXX XXXX, last living parent ) passed away and left everything to me and my brother. I was paying the mortgage while we were waiting for the time to pass with the MD courts. Since time was almost up and I could see that mortgage rates were really high, I asked Rocket Mortgage about what happens when this situation comes up ( because my mom 's mortgage rate was really low and affordable ) and her loan was with them. I called to get things started because the article they sent me made it seem like I could do exactly what I wanted to do ... keep everything the same and just switch it to my name since I already knew I could pay for it ( and I WAS paying it the whole time after my mom passed ). Well, they told me that I couldn't do that because my mom 's loan wasn't assumable so I had to go through an entire purchase process which includes all of the fees ( closing, appraisal, application, etc ). Plus, I lost equity money in order to make the new payment ( with the way higher interest rate ) affordable. I was an emotional wreck and rushed to sign paperwork because I had to " lock in '' the interest rate since the rates were climbing every day. Well, now that things have calmed down a little bit with my situation, I found out something while continuing with all of my mom 's estate paperwork and processes. It turns out, I was right and it's FEDERAL LAW that mortgages are assumable in this situation. I reached out to Rocket Mortgage and all I get is the run around. I ( and my brother ) have been frauded out of money and I will NOT let this go. I never should have had to go through a purchase process, I never should have had to pay all those extra fees, I should have been able to just keep my mom 's loan ( and interest rate ) and kept paying exactly like I was doing. But instead, Rocket Mortgage decided to make a bigger profit and fraud me rather than helping me do what I was asking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX FINANCIAL was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

On XX/XX/customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. XXXX XXXX, did not reach out until XX/XX/XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

OnXX/XX/XXXX I successfully had AXXXX XXXX XXXX XXXX XXXX XXXX XXXX  account removed from my credit report. 

OnXX/XX/XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As ofXX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY XXXX XXXX XXXX FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX 

I HAVE NOT SIGNED A CONTRACT WITH XXXX XXXX XXXX. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XX/XX/XXXX. 

XXXX XXXX XXXX, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.

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 2023-11-06
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I sent in letters regarding inaccurate and unknown things on my credit report on XX/XX/2023. To this day, almost 60 days later, I have not received a response yet. My information was included in the Equifax Data Breach. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. According to 15 U.S Code 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to the law, a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: ECG Debt Collection Corp.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get phone calls daily. They cost so many times from so many different numbers they never give me any kind of amount that I owe I'm not in debt at the moment and have not been in years I have so many phone numbers I can't even list them here they do not even come in from a direct business when I try to call them back it's not a working number and it's so bad I can't even have my ringer on during the daytime because there's so many calls coming in

Company response to consumer: Untimely response
Consumer complaint received 2023-09-20
Company: EdFinancial Services
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ed Financial has failed to update my balance on my loans since XXXX 2022. I have contacted them earlier this year a few times in XXXX and was told that they put in a request and will update my balance with the credit bureaus in 2 months. when that didn't happen, I called in XXXX, and they told me that since they switched log in platforms, they were doing a freeze on reporting for 3 months. After those three months passed in mid-XXXX I called again and even filed a dispute as Ed had advised. Ed told the Credit bureaus that their reporting was accurate which caught me by surprise and my balances where not updated on their own accord or via despite. I called again after my dispute failed and they told me that they would update my balances by the end of XXXX. Nothing was updated and now XXXX cant even contact them due to long hold times and Ed not calling back using their call back feature. I am looking to buy a house and need to have my balances correctly updated in order to secure the best terms on a mortgage that I can. its been over nine months this is ridiculous. Attached is my account balance from Ed 's own website.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-20
Company: EdFinancial Services
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off my entire loan balance on EdFinancials original website. Once they moved to their new platform I saw that I had an outstanding amount. I contacted them and they told me that the amount would go away. However, this was months ago and the loan is now accruing interest. I called them again, but they told me that they did not have records of me paying off this loan. Thankfully, I saved the receipts of the transactions. I am trying to contact them again, however it is extremely difficult to get someone on the line. Their online chat system has also been down for over 2 months.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: OH
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:
Inquiries : Dates : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to pull my credit 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 non-monetary relief
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX  XXXX ( Auto ) XXXX ( Bank ) 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 2022-12-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been a Care Credit Customer for over 2 years now. I opened my XXXX statement and the charged me {$1400.00} for interest! I called them and they said a " promotional period has ended ''. I was still being charged interest before this " promotion '' just ended. They said they can take the interest off if I make a {$1400.00} payment in 10 days. So technically they are not taking the interest off. I have been using this card and paying the payment on time for 2 years. So apparently, they did not allocate the payments properly for the 2 years. This charge put me at the over the limit amount. So now I will have to pay a penalty on top of that. Very shady way of doing business.

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 2022-04-25
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX XXXX  said i had late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX said i had late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX the acct is in good standing and has been. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE A RIGHT TO PRIVACY 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT LATE ON CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXI am a victim of Identity theft. This negative item was not authorized by me, and needs to be removed. I have the right the right to a fair consumers report. Please remove this item today

Company response to consumer: Closed with non-monetary relief