BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband passed away on XX/XX/2022 and the bank put a hold on half my savings account on or around XX/XX/2022. It's a joint account but because the account was opened years ago in NC they said we neglected to " check the little box '' on the signature cards giving other account holder 100 % of survivor funds. I called the bank and spoke to my first Customer Representative. They told me I would need to go to the probate court in NC and get a small estate affidavit. I reminded the representative that my husband died in XXXX where we live and the court in NC would not have a record of his death. She said I would need to get the document from a probate court in XXXX and that it is considered a legal document. I went to probate court in XXXX and they didn't know what document the bank was requesting and could not assist. I hired an attorney and the day before I was to meet him, I got several forms from Bank of America asking for me to complete and return to the bank ( notarized ) or go to local bank and have them sent to BofA XXXX XXXX. I took the affidavit to the attorney and he completed and notarized. On XX/XX/XXXX, I met with a local BofA representative in XXXX  and they called the XXXX XXXX and all documents needed were sent to the XXXX XXXX. I was told it would take 8 to 10 business days for hold to be released. About 9 days into this period, I received another letter from BofA asking for more documents ( a Letter of Instruction ) that the local representative said was not needed " per the XXXX XXXX Rep '' she spoke with the day I was in the bank. I sent it electronically anyway. I went back to the local bank on XX/XX/XXXX. I spent one hour trying to get resolution. I was told on XX/XX/XXXX all documents were on file and the hold would be released in 2 business days. On the 2nd business day, XX/XX/XXXX I received another letter from BofA asking for yet another document. This document was sent with the XXXX and XXXX XXXX on XX/XX/XXXX. I called BofA again XX/XX/XXXX and confirmed they have all documents and then was told it would take 8 business days for hold to be released. I said no and asked for a manager. I was told I could not talk to the manager and worst-case scenario my funds would be available in another 2 business days. I hung up and went to local bank and no one could meet with me. I asked for a phone call from local BofA representative, and she basically said they could not help me, and I would need to keep working with the XXXX XXXX. BofA has had control of my funds now for approximate 25 days

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 2023-07-31
Company: Army and Air Force Exchange Service
State: SC
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 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) and The Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 Delete this account immediately, unless you want to be held {$1000.00} per violation Thank you for your purchase of {$420.00} which you paid pennies on the dollar, can I see the Purchase Agreement and the Original Creditors terms and agreement/condition. I refuse to pay this debt, my dads ice cream truck caught fire on the highway due to these unforeseen circumstances all funds are tied up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Account status incorrect

Complaint:
Hi I have sent out several letters over the past few months starting in XX/XX/XXXX over some issues with my credit report I sent a letter on XX/XX/XXXX to a company that I do not recognize they say I owe XXXX $ they didnt respond within the 30 days I requested I also sent out a letter on the XXXX of XXXX to another company saying that I owed XXXX $ and then changed it to XXXX $ but that account was settled in XXXX I sent a letter out on the XXXX of XXXX to a company saying I owe XXXX $ they also did not respond with in the 30days alotted I sent another letter on the XXXX of XXXX to a company saying I owed XXXX $ they also didnt respond with in the 30 days allotted

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hi I have sent out several letters over the past few months starting in XX/XX/XXXX over some issues with my credit report I sent a letter on XX/XX/XXXX to a company that I do not recognize they say I owe XXXX $ they didnt respond within the 30 days I requested I also sent out a letter on the XXXX of XXXX to another company saying that I owed XXXX $ and then changed it to XXXX $ but that account was settled in XXXX I sent a letter out on the XXXX of XXXX to a company saying I owe XXXX $ they also did not respond with in the 30days alotted I sent another letter on the XXXX of XXXX to a company saying I owed XXXX $ they also didnt respond with in the 30 days allotted

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 2022-04-22
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-02-16
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company contacted me on multiple occasions via phone. They never sent me any letters nor did they leave any voicemails. According to my credit report the collection was placed in XX/XX/2022 and I wasnt notified until XXXX about the account being placed in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to 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 2019-02-06
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our primary residence is mortgaged with Bank of the West since XX/XX/XXXX. The bank established an escrow account to pay for the taxes and insurance. 

In XX/XX/XXXX, we installed solar panels using a HERO program loan. We requested the bank to include the HERO program payment in the escrow account as the HERO loan is paid with the property tax. 

In XX/XX/XXXX, we acquired a HELOC with Bank of the West and paid off the HERO program loan. I notified Bank of the West and requested that they stop collecting payments for the HERO program loan. Notification was done via email, letter and by phone to customer service. Receipt as proof that the HERO program loan is paid was provided to Bank of the West. 

I was told by the manager that they will NOT comply with my request and that they will continue to collect the same amount for my escrow account including the payment of the HERO program.

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 2023-02-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-19
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a XXXX cart and money was taken off of my card from 2022 to current.The amount of money was taken off my card was {$3000.00}. I have no history of bank statements. Until XXXX of this year. The bank giving per visua credit. But the keep take the back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Atlantic Recovery Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, I opened a credit card through a bank in order to transfer a balance from an existing credit card account because with this bank she got 0 % for 12 months. I paid off the balance before the 12 months was up and never used the card again. 

A few months ago, in XX/XX/XXXX, I started getting contacted from a company who claimed to be a collection agency, referencing unpaid delinquent account that was transferred to them. I researched the collections company, and they seem legit, but they havent sent her an email or anything in the mail, just tried to call her. They even called me. 

We tried calling the bank, they said they transferred the account to another company. We called that company, and they gave us more information on the charges. We found out there were charges from websites like XXXX ( a XXXX website ) and XXXX ( XXXX clothing website ), both websites we would never, ever use. 

Apparently this company then transferred this account to another company, and now it may be in collections. My credit was just hit with a delinquency and my score dropped a ton. 

We have called and called around to these companies and they even said they were opening a fraud investigation, but when we call back, no one has record of anything. 

I never received any notice by mail, statements showing these chargers from the original bank I had the credit card with, nor was I contacted by any of these companies who owned the account. This is credit card fraud and I can't seem to get anywhere on the phone with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: IL
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: FL
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 made my payments before the due date but experian is reporting it late

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 2023-04-19
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have paid this amount .I have submitted my payments to this company. They do not acknowledge my payments and demand payment

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 2023-04-19
Company: Experian Information Solutions Inc.
State: WA
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:
Greetings, Both my loans ( XXXX # : XXXX & XXXX # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to California with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on XXXX. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a premier account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX. 
I have changed my auto pay date for the XXXX of each month to avoid this issue in the future all together. 

I have attached : XXXX bank transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX admission letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

Thank you, 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 2023-07-31
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am hereby complaining about Zelle. Zelle is unprotected and slowly reacted to my case. On XX/XX/XXXX, I was a victim of a XXXX scam. In response to a XXXX XXXX ticket posting, I contacted XXXX XXXX at XXXX. He told me he represented XXXX XXXX and could get a good deal. He wanted me to send him my driver 's license and deposit {$180.00} for XXXX tickets. I sent him my driver 's license and Zelle 's {$180.00} to XXXX. Many hours went by, and no tickets ; I contacted XXXX and Zelle on XX/XX/XXXX. They acted too slowly, and the transaction went through on XX/XX/XXXX. No one seems to care. Scammers knew nothing would happen, and Zelle and XXXX were unprotective of their customers. 
I am asking CFPB to investigate my case and force Zelle to be more responsive and protect the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH
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:
I received a letter on XX/XX/23 stating I had a right to cure default payments and that the last date of payment was XXXX/XXXX/23 for my friends co-signed vehicle. He made his payments on time which reflects in the screenshots and shows he has not past due payments but my credit score dropped XXXX points from this. I would like it resolved and fixed if possible, I personally just paid off my car and would like to reap the benefits of an accurate credit report, especially because my boyfriend and I are trying to buy a house in a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion Has consistently ignored my request about a particular account that they DELETED off my credit report without any permisssion or request. XXXX XXXX did not remove the acct and in fact called Transunion and told them we didnt remove here acct it is in good standing and they report on the acct monthly Transunion said they removed themselfs and refuse to add it back and knowing that it was there error. When they removed this account which by the way out of all three bureaus only them. it caused a XXXX pt drop in my score and caused my XXXX to drop in the middle of my Refi. I was approved and then like that this spike happened because it affected my debt ratio. 
I never disputed, complained or ask for this to be removed. 

( this acct needs to be added by, Transunion made a mistake and refuse to own up to it and put acct back ) Account # last four XXXX XXXX XXXX XXXX XXXX date opened XX/XX/2021 credit limit XXXX balance {$00.00} acct is paid after its used asap Note : I wrote them, I sent letter from XXXX XXXX. 
WHAT ( TRANSUNION ) DID WAS MAKE A MISTAKE. THERE WAS XXXX XXXX ACCOUNTS IN WHICH THE OTHER ONE WAS OPENED IN XX/XX/XXXX XXXX LIMIT {$200.00} BALANCE PAID IN FULL. AND IT WAS CLOSED XX/XX/2021. THIS WAS A SECURED CARD- TRANSUNION XXXX A MISTAKE AND CLOSED THE ACTIVE ACCT WHICH ENDS IN # XXXX, WHICH WAS OPENED XX/XX/2021 IN ERROR

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