BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm not exactly sure where to start but I've been an account holder with Bank of America ( BOA ) for 22 years and the last seven have been extremely concerning. For the past two years I haven't been able to access my account until recently in late XX/XX/2022 when I had to acquire a cashiers check for $ XXXX. At the start of this particular transaction the teller at BOA serving me encountered the same issue I've been facing and could not locate my account. After multiple attempts and ID verification, the teller requested my SSN in a final attempt to find my account and she found it. I can not begin to express how embarrassing this particular experience was for both of us.

I will briefly summarize a few other disturbing problems I've recently experienced with BOA. During the high school graduation season I routinely give cash gifts to graduates of family and friends by sending a check from my BOA account. I started to notice that the graduates would receive and cash their checks but the funds would never be withdrawn from my account. At the time of this CFPB complaint I'm still waiting on checks to hit my account. Another very concerning recent occurrence took place when I deposited a check into my savings account from another financial institution and BOA placed a hold on the funds for ten business days or 14 calendar days. This was totally unacceptable when you take into account that all my monthly income flowed through BOA at that time. Immediately after this infraction I changed all my electronic deposits from BOA to other financial institutions that I had accounts. It didn't stop there because just a couple of weeks after I ended the monthly income EFTs from BOA, they begin charging my account $ XXXX service fees for accounts my income flowed through for decades with balances exceeding $ XXXX routinely. I have more similar problems I can provide but these were the serious occurences that directly violated federal regulations.

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 2023-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is information being reported about me in their system. It has stopped me from opening new accounts. This has been happening year after year.

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 2020-06-19
Company: CITIBANK, N.A.
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/20 I made a payment of {$150.00} towards my citi Best Buy credit card. My balance at the time was {$350.00}. After my payment it brought my balance down to {$250.00}. Again I made this payment on XX/XX/20 via ACH transaction from the same bank account that I make all of My recurring payments on time every month. 

On XX/XX/20 I tried to use my credit card for the first time in a month and it said I didnt even enough credit. I called citi credit card services and asked why my payment or funds werent available and they refused to make my funds available.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have made attempts to unfreeze my credit report several times. I have reset my log in, sent in proof of identity, and called technical support But I have not been able to access my credit report, credit score, or the ability to unfreeze it.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is still reporting a property that I have NEVER lived at or owned at any point of my life. I need this off of my credit report. I KNOW for a fact it is FRAUD. XXXX XXXX XXXX XXXX. XXXX, NY XXXX On there since XX/XX/XXXX. My current address since XXXX and only address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. I NEED THIS REMOVED PLEASE. I've sent several letters about this issue and it is STILL on my report. PLEASE HELP. There ae other things on my report as well.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was contacted by XXXX today regarding a previous issue that has been reported. We were unknowingly signed up for estatements. We don't do estatements never have and never will. Why? Because those will go often into junk email and will get overlooked or automatically deleted. 

XXXX states we signed up for estatements in XXXX of XXXX. Neither my wife nor I signed up KNOWINGLY. They claim they sent an email indicating that we were signed up, again, if we UNKNOWINGLY signed up, we would never see that email because it would-likely go into JUNK email. 

We missed a single payment because of this. Did XXXX send out a letter indicating that we had missed the payment? They did now. Did they send out a letter asking if we meant to sign up for estatements? They did now. Sending an email that wouldn't get read is not doing their due diligence. 

What's more, they claim they made 10 calls to my cell phone to try and let us know about the late payment. This is the first time they have stated this. If they did ( and I have no missed calls from them. I have attached a call log for my phone that they " reached out '' to me. I have no messages from anyone at XXXX ( and the woman I spoke with today did not indicate WHY they would not leave a message which other credit card companies DO. I doubt that they called. Here is my call logs going back a month ) I am more than willing to provide XXXX with a copy of voicemails left if XXXX and CFPB would like to have them. There are NO MESSAGES from XXXX and I have only 1 phone call that I received from them when it was 30 days past due. 

XXXX should also have reached out by mail and should automatically do that whenever there is a problem reaching a customer. It's the right thing to do and they didn't do it. The lady I spoke with today had no reason why they wouldn't do that either. I had also indicated that, if we unknowingly had signed up for estatements ( and I don't believe we did-I personally believe that the department that handles that had someone in house do it for folks because they are being incentivized for it like many companies are ).

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 2022-06-22
Company: Penn Credit Corporation
State: PA
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:
On Saturday XX/XX/2022 whole checking my credit report I noticed a drop in my score. With further research I came across a collection company that I had no previous interaction or knowledge reporting falsely on my credit. I have no way of contacting this company because no letter or phone call have been placed to contacting me. So I went on the internet searched the company called the number got no contact.. Thats when I contacted the police and filed a complaint of fraud XX/XX/2022 that I put in the photo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: VA
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:
XXXXXXXX XXXX  SXXXX is being reported as discharged through bankruptcy which is false. My student loan were never included in my bankruptcy.

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 2022-06-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment via XXXX XXXX in XXXX MD, I agreed that the debt was owed, I paid {$1300.00} of the debt and the remaining {$4600.00} on XX/XX/XXXX. I submitted proof of payment for the {$4600.00} by submitting my bank statement to XXXX Compliance Department in XXXX and again on XX/XX/XXXX. I also disputed this item with XXXX XXXX as well, XXXX XXXX did not ask me for any supporting documentation and refused to removed the debt based on the feedback from XXXX. I am requesting your help in getting this item removed. 

This item on my credit report is keeping me from being able to rent homes/apartment thus leaving me in a position to be 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 2022-10-26
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter claiming I owe medical bill. I tried to call the company RMP SERVICES LLC to resolve matter and asked what medical charges was this for because time I received care I had insurance and I provided to XXXX XXXX and informed agent wasnt aware of any unpaid charges first attempt calling in agent agree to send back to hospital and Dispute. Then I called the second time and tried to get more details of I can resolve matter by providing my coverage agent advised me that debt can not be removed and Im responsible for all charges and if I dont pay debt can not be removed and told me its too late for insurance to cover charges and started saying you knew about charges continue to say how Im not trying to pay for a bill Im responsible for and continue to call and tell me that charges are accurate and the debt will continue to be valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: LA
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, XXXX XXXXXXXX XXXX Account # XXXX, and XXXX XXXX  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 explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: AL
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:
n 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Viking Client Services
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I picked up a rental car at XXXX in XXXX XXXX that I had reserved through XXXX XXXX  XXXX. When I got to the XXXX XXXX counter the agent told me my credit card on file was expired, XXXX card ending in XXXX. I apologized and gave him my XXXX XXXX XXXX  ending in XXXX. The rental amount was {$340.00}. A few minutes later my husband called and had been contacted by XXXX XXXX regarding a charge from XXXX in Virginia for {$540.00}. He asked me if the charge was valid and I said I do not think so as it was for {$340.00} and I had to use XXXX XXXX XXXX. His response to XXXX was that the charge did not appear to be valid. XXXX was then going to close the account and open a new one. A new credit card was received from XXXX in just a few days. 
I returned the rental car to XXXX in XXXX XXXX on XX/XX/2022. We never heard anything from XXXX until a letter from Viking Client Services, a collection agency, was received in the mail XX/XX/2022. The letter was notifying me that they were trying to collect a debt to XXXX XXXX XXXX. I immediately phoned Viking Client Services and spoke to XXXX XXXX and said it was sent to collection for reason # XXXX. She did not know what that code meant. I told her that this obviously was an error on and I would contact XXXX and XXXX XXXX XXXX. 
XXXX told me there was a transmission but since we had told XXXX that the Virginia location and amount of {$540.00} did not match my XXXX XXXX rental amount of # XXXX the transmission was declined. She suggested calling XXXX to explain the situation and XXXX would gladly transmit the amount owed immediately if we authorized it. I spoke to both billing and claims on XX/XX/2022 and XX/XX/2022 and neither department would work with me. I asked why I was not contacted regarding the matter and why they did not use the XXXX XXXX I gave the agent at XXXX in XXXX XXXX. No one had an answer for me and also proceeded to tell me that I was on the Do Not Rent list for both XXXX and XXXX. Lastly, I also asked what the collection reason code # XXXX was and they wanted to know where I got that information and then told me that was an internal confidential code that they could not share with me. This was clearly a mistake made by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting XXXX XXXX  XXXX Account # XXXX and XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A States that I have a rights to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer report 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