BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second time reporting this company. They have not communicated with me to resolve this issue. The last communication that I had with them was on XX/XX/2018. I called twice and sent two emails. I requested to have all documentation of communication and anything relating to my case sent to me. They have chosen to simple not respond to my emails. When speaking on the phone, I was told to give them 2-3 business days. It is now the XX/XX/XXXX. They know that they are in the wrong and are refusing to work with me to correct this. The collection isnt valid and it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I went to a BOA ATM at around XXXX XXXX  to make a deposit of {$2900.00} to an ATM, ATM ID XXXX. The ATM took the full amount but provided an error message. The cash was never returned to me. My husband and I intentionally stayed and waived at the camera to make sure the camera captured us. 
I called BOA but couldn't get anyone, so I called again the next day ( XX/XX/XXXX ). BOA submitted a claim for me, claim # XXXX. They gave me conditional credit while investigating the claim On XX/XX/2021, they sent a letter saying " we're unable to approve your recent claim ''. Reason was : " the charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. '' And then, it said " the credit ( s ) for {$2900.00} that was applied to your account will be removed on XX/XX/2021 '' THREE THINGS : 1. The reason BOA gave has nothing to do with my claim of missing cash deposit.

2. There was no documents attached with the letter sent to me. - That means they did not use any document to come to this conclusion.

3. There should be at least 2 evidence to support our claim - 1 is the camera for that ATM. 2 is the cash reconciliation. How can BOA miss both evidence and deny the claim? That's ridiculous.

The way BOA handles this case is crazy. NO clear reason ( see # 1 ) and NO clear documents to substantiate the decision. This is considered stealing.

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 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding unauthorized transactions on my account. I am deeply concerned about the lack of resolution and the unjust withdrawal of funds from my account, despite my efforts to communicate the unauthorized nature of these transactions. 
Account Details : Account Holder 's Name : XXXX XXXX XXXX Account Number : XXXX I discovered unauthorized transactions on my account on XX/XX/ and promptly contacted Bank of America to report the issue. Bank of America filed a claim with no : XXXX. They issued credit for few transactions on the same day and they reversed the credit within 2 days. Upon enquiring they mentioned I withdrew the claim, but I never did that. When I questioned one of the executive, he mentioned that they ( Bank of America ) withdrew that claim and reversed the credit. Subsequently, I filed a written complaint and sent a letter via fax ( copy attached ) on XX/XX/, clearly stating that I did not authorize these transactions and have no knowledge of the merchants involved. 
Despite my efforts to dispute these charges, Bank of America reopened the claim and credited my account for the some of the unauthorized transactions but later reversed the credit again, claiming that I had authorized the transactions. This is both distressing and unacceptable as I have no affiliation with the merchants in question and did not provide any authorization for the charges. 
I have attached copies of the relevant documentation, including the letter and fax I sent to Bank of America, as well as any correspondence received from the bank. Additionally, I have enclosed copies of my bank statements highlighting the unauthorized transactions.

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 2022-03-19
Company: Franklin Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My mother opened an XXXX XXXX  XXXX XXXX XXXX internet account in my name. Keep in mind at this time I was only about XXXX or XXXX. I eventually had it removed by disputing it and the agency didn't ask any questions because I told them I opened it underage. But whether I say yes or no to opening something that requires you to be 18 or older. It's still illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: NV
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 disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$16000.00} XXXXXXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX /XXXX   XX/XX/XXXX {$5000.00} 10 XXXX   XXXX XX/XX/XXXX {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$700.00} XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX {$290.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX / XXXX XXXXXX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX   XXXX XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank Of America has been creating bogus accounts and keeps calling me for their products or other related banking inquiries. 
the recent account was created without my notice, without my consent, without my permission, etc. here is the account info : Account # XXXX XXXX XXXX on XX/XX/XXXX, received the attached letter. 

Next, another account was created in the same fashion, without my permission or consent. 
The account number for this debit card is XXXX valid thru : XX/XX/XXXX, with a security code. 
please see the second attached document for their letter. 

Bank of America was called multiple times at XXXX XXXX XXXX XXXX, and told about these letters and accounts, to be closed immediately. All calls ended with the bank associate confirming the closure and indicating that no further incidents like that would happen. But again, it did happen. 

this is a record for XXXX XXXX, to make sure that if any financial fraud happens under these bogus accounts, or any other Bank of America account under my name, I, XXXX XXXX have never authorized Bank of America to open any accounts with my name on it. 

Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI 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 2022-12-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, Experian, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  all continue to report on my credit bureaus I have constantly sent in numerous disputes and affidavits asking to verify and delete of accounts I've sent in a police report they have deleted the accounts and then they reappear back on to my credit bureaus I have contact these companies XXXX and Underwriters to speak to about the debt that they are claiming they're trying to receive but they state that they are not the ones reporting that is the credit bureaus that continue to report. Hard inquiries continue to be inquiried, accounts reappear as if they're new accounts, negative reports of closed, under the FDCA and in GOOD FAITH asking to be deleted. I have sent in police reports I've sent in affidavits and the accounts are already closed they're reporting is damaging my. PRESENT & FUTURE I am not able to get business credit, personal credit, Loans, a Mortgage so to be a productive citizen I need revenue and without credit there's no Revenue this is detrimental to my livelihood mental stability and physical wellbeing.

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 2021-03-10
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re-opening Complaint XXXX, as it was closed without being resolved. 
Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX. 
Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer. 
The check keeps getting 'lost in the mail ', as the company refuses to send the funds through a service with a tracking number, or to wire the funds. 
They have issued three checks that have not made it to my house. 
After filing my initial complaint, I was given a phone number to contact the respondent at Amerihome, but it was a voicemail that is never checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: AR
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:
In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: GOLDEN BEAR CAPITAL INC.
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Late last year, I sought to purchase a home. At that time, I owned another home, which I sought to sell. I utilized a realtor for my purchase and sale. The realtor referred me to XXXX  XXXX/Golden Bear Capital for loan monies. 

( I LATER DETERMINED THE REALTOR WAS ASSOCIATED WITH XXXX   XXXX/GOLDEN BEAR CAPITAL, LISTED AS A " MLO '', A FACT NOT DISCLOSED BY THE REALTOR NOR XXXX  XXXX/GOLDEN BEAR CAPITAL. ) On this recommendation, I engaged XXXX XXXX/Golden Bear Capital as my lender for the home purchase. 

Throughout the loan process, I received a deplorable amount of delays and mistakes by XXXX XXXX/Golden Bear Capital. To summarize, these delays and mistakes have ended up costing me thousands of dollars in lost monies. 

I would have not used XXXX  XXXX/Golden Bear Capital for loan monies unless referred to them by the realtor, who never disclosed he is associated with XXXX  XXXX/Golden Bear Capital. 

This is a conflict of interests as a realtor should have the consumer 's best interest in mind. In this situation, XXXX XXXX/Golden Bear Capital have created a situation where the realtor/mortgage company best interest 's have become the priority. 

XXXX XXXX is allowing realtors to associate themselves with XXXX   XXXX/Golden Bear Capital, allowing them to refer business only to XXXX   XXXX/Golden Bear Capital, and creating a volatile environment for the consumer. 

This should not be permitted in the state of California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Open Dealer Exchange, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: PR
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:
This XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2022 I sent Experian a certified letter disputing the validity of the XX/XX/XXXXthey are reporting on my credit report. They responded with a letter stating it was verified through a data furnisher. 

I have asked Experian to provide me with the validation methods multiple times only for them to respond back with it was verified through a data furnisher. 

I have informed them that thisXX/XX/XXXX has already been removed from other credit reporting agencies and if they can not validate the debt with the original creditor it should be promptly deleted. 

This has cost me thousand of dollars in interest and caused undue burden. 

This needs to be deleted immediately from my credit report if it can not be verified within 30 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 explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle was illegally repossessed the day after I made my payment and brought the account current. I communicated with the business that I was sending the payment, but my vehicle was repossessed anyway. The lender immediately released the vehicle, but I was still charged the repossession fees and my credit report shows the vehicle was repossessed. The lender justified this by stating that their systems are not connected so they could not stop the repossession after the payment was made. I fail to see how errors on their end are my liability. I have attempted to log in to get a copy of the transaction records which show the payment posted the day before the repossession, but the business has since locked me out of my account.

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 2022-12-23
Company: EQUIFAX, INC.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have tried for 3 days this past month to pay my credit card via -- online account -- Smartphone app -- telephone -- HSBC chat help via phone app and online account I am attaching the only error screen that is available to me, when I try to make the payment online. The problem is not with any of my devices, the credit card iself, or the payment bank account, as all these have been successfully used elsewhere during this time. 

I am currently on the phone for over 2 hrs 15 minutes, waiting for help. 

My due date is approaching, and this is my last chance- I do not have hours to spend on this. There is a problem with the HSBC system, where the methods I have used for the past year or so are no longer working. The only help I have received is form a chat representative who told me that the " system was being updated '', and from a phone representative, after an hour or so, saying that the " manager hours and over ''. 

As soon as I can pay off this minor amount, I plan to cancel the credit card.But I would like some record of my good faith payment tries, if I am unable to pay.

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 2019-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/XXXX for an account number XXXX ( XXXX XXXX XXXX ) that does not belong to me. The letter is in XXXX and reference a date XX/XX/XXXX when the allege account went into collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
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:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE THEM WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

TO MAKE THE DELETION PROCESS EASIER, I ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! 

Account Name : XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) Original Creditor : XXXX  Account Number : XXXX Account Name : XXXX XXXX ( XXXX, Equifax ) Account Number : XXXX

Company response to consumer: Closed with explanation