BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Cash funds were immediately withdrawn ( XX/XX/2022 ) for a future stay with the XXXX XXXX ( XXXX XXXX XXXX ) via my Bank of America debit card in the amount of {$1500.00}. 

I cancelled the stay on XX/XX/2022 and received two notifications of cancellation and 100 % refund. Yet the cash funds would not be returned to my Bank of America for 14-days despite the unambiguous refund.

I called and wrote to Bank of America to request a provisional credit of the {$1500.00} in cash funds taken from my account and being used as " corporate float. '' The Bank of America said, " they were unable as per FDIC Reg E, and that a company may need time to reconcile IRS, accounting, or other issues, though typically 5-7 days. '' I disagreed. 

This sounded to me like banks, regulators or regulations, and companies were still operating in the pre-digital, pre-computer era of paper check processing. 

The company did not provide a refund conditioned upon vague IRS or accounting issues. They gave me an explicit, unambiguous credit - but then applied such to a 2-week future date for reasons unstated but also transparent ( i.e., FLOAT ).

I request the Bank of America, the FDIC, the CFPB, and all corporate entities acknowledge that the digital era exists in 2022, so outdated regulatory timeframes for reconciling payments must be updated accordingly. 

To the extent there are valid time lags in the digital era, the Bank of America and other Banks should accept that FLOAT expense over customers, as they would then have an incentive to minimize such- which they don't have presently. 

Thank you.

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 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Illegal fees for account maintenance. Bank of america charging fees for maintenance of account without consumer knowledge. Spoke with consumer representative XXXX XXXX XXXX who has no knowledge of the issue. I ended up closing all the accounts with bank of america.

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 2016-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card
Issue: Late fee

Complaint:
I used a credit card issued by Bank of America ( BOA ). However, I have been charged once for return check fee and once for late payment fee. I have never tried to make late payment or void payment. Both issues were caused by the fact that BOA does not provide enough instructions and help in setting up online payment correctly. I thought I have set up recurring online payment correctly. I do n't know know why it did not work well. I tried to got help several time through its online service and phone service. When I asked them to check if I set up the recurring payment successfully, they failed to provide this service. Online chat representative asked me made a call. When I finally got connected with the phone representative, she said she were not able to confirm for me. Now they charged the fees and refuse the reverse them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, our Post banking with, BB & T XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX account was compromised by cyber theft and 4 wire transfers were made totaling almost {$75000.00}. This was immediately reported to the bank, but they were not able to stop the wire transfers. We were left with about {$1200.00}. The officers and staff who have access to the account went to the bank on the morning of the XXXX with all available assets we could find and worked with XXXX XXXX to start a new account so that bills could be covered, payroll being the largest. The bank has been working diligently to retrieve our assets and on XX/XX/XXXX we did receive a partial refund from one of the transfers for just under {$19000.00}. When I asked the fraud representative, XXXX, another refund of {$19000.00} was received later leaving us with a loss of {$40000.00}. As of now the Bank tell us there is nothing further, they can do. As a XXXX organization we gather funds to support XXXX and our community and can not afford this loss. We have never used wire transfers. I am filing this for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. 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 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is an account open with Bank of America reporting as a negative item on my credit report since XXXX. It says this account was open in XXXX. My wife and I had another account with Bank of America open in XXXX, therefore we were making payments to every account we had for a few months to attempt to get out of our debt without claiming any bankruptcy. During this time, we researched all of our documentation that we had saved for 10 years and did Not Have a second account with BOA. We have been asking for verification of the signed application showing I opened this account and our requests have been ignored. It is reporting as a major negative on my credit report. I have filed complaints with the credit agencies. We have worked hard to pay XXXX of credit card debt on our own without assistance and want to refinance and starting saving money. This is not possible with this negative account being continually ignored. How can we better ourselves if we ca n't get the creditors to do their part?

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 2017-05-25
Company: EQUIFAX, INC.
State: DE
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:
Upon being denied from a lender for " multiple inquiries '' from Equifax report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Equifax that I DID NOT authorize and had no knowledge of. I contacted Equifax and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.      1.   XXXX   XXXX   XX/XX/XXXX   2.    XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   4.    XXXX    XX/XX/XXXX   5.  XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: CITIBANK, N.A.
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:
Im a victim of identity theft someone got my Bloomingdales card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 an account from XXXX  XXXX  XXXX  # XXXX that is Fraudulent I have requested that XXXX  XXXX  XXXX   froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.

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 2017-11-02
Company: STERLING JEWELERS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Kay jewelers called my job looking for me. They claimed they were a bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX is reporting XXXX charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the XXXX accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, are a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my TransUnion report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.

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 2022-08-31
Company: EQUIFAX, INC.
State: FL
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
equifax violated my concent and privacy. us code 15 ch 41 sub ch 3 1681 ( a ) 3 and 4 1681 ( b ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX/XXXX/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of 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 explanation
Consumer complaint received 2017-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 have been overseas and noticed a charge that I do n't recognise on my BoA Credit Card and I have not used the cards in over 6 months. 


It is from XXXX XXXX and the amount is {$1600.00} and I have attached a statement for your reference. 

I have called the XXXX XXXX XXXX XXXX and no one has bothered to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX is reporting 4 charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the 4 accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, are a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my XXXX report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.

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 2016-08-04
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a Chapter XXXX in XXXX XXXX. The bankruptcy attorney told me that before my petition could be filed, I had to surrender collateral. I owned a property in another state. I surrendered the property and my petition was filed and confirmed. During the course of the bankruptcy period, XXXX XXXX XXXX sold my loan to Selene Finance in XXXX. I thought since I surrendered the collateral that released me from all rights, title and interest in the property in XXXX, which meant that I should have been removed from the title and deed of the property. That was not the case and now Selene is foreclosing on the property. They have promised that the foreclosure would not appear on my credit and that my name would be removed from the title and deed. This process should have taken place in XXXX and not now. I am requesting that they stop the foreclosure and do a quit claim deed or deed in lieu of foreclosure. If not that, how much would it be for a possible settlement to get a release?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent four letters to Transunion credit dispute department started on XXXX 2017 thought out the months leading up to XXXX 2017 asking them to verified four accounts each time Transunion mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Transunion have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Transunion is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed

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 2020-03-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :

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