BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is about my HELOC account with Bank of America and the lost payoff payment. I have two account with BofA : First Mortgage and HELOC. I just did a refinance of these loans with another company. I show that my mortgage has been paid off but the HELOC is still open is showing a full balance of $ XXXX. I reached out to the title company and they confirmed that they overnighted the payoff for HELOC in the amount of $ XXXX on XX/XX/XXXX and they have a delivery signature by BofA on XX/XX/XXXX XXXXXXXX XXXX, but the account is still open and balance is still outstanding 7 days later. Yesterday, XX/XX/XXXX, i tried to reach out to BofA to resolve the situation. I spoke to a first representative who confirmed they don't show any pending payments on my account, the representative confirmed my phone number of file and noted the account and said they need to transfer me to customer service so they can check once more if there are any pending payments. I was on hold for 2 hours 45 minutes and then a second representative spoke to me. I described my concerns, the rep told me not to worry since i have a confirmation that the payment has been received and it will be applied eventually. I asked her if her response violates the RESPA payment guidelines, she placed me on hold and then disconnected the call ( since the first person i talked to confirmed my phone number of file i was hoping this representative would call me back, that didn't happen ). I am now filing the complaint with CFPB in hopes to receive the response from Bank of America about what happened to the payment they received, i would also like to confirm there will be no credit reporting impact after this is resolved.

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 2023-07-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have purchased a XXXX XXXX XXXX from Us auto sales due to my last automobile breaking down on me I have had this vehicle for almost 2 years in XXXX of XXXX my monthly payment is XXXX per month after logging into my account I see that my interest rate is 17 % the price for the vehicle is {$20000.00} after making payments for almost 2 years my balance is {$17000.00} even though I have paid almost {$9000.00} after going to the XXXX dealership and getting my vehicle value quoted this vehicle is only worth {$4000.00} and before hand was only worth about $ XXXX {$8000.00} when I got it I feel like Im being robbed and screwed with no gasoline could someone help get me out of this bad car deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: Investigation took more than 30 days

Complaint:
I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.

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: DISCOVER BANK
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : DisputedAccount-Notice to Furnisher HardInquiries Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions.

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop report in this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
RE : DELETIONS TO CREDIT REPORT Dear XXXX, TransUnion, XXXX  : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX  Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely,

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: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a verification letter to the company Jefferson Capital SY and I have yet to hear back from them verifying that I owe this debt. I disputed it with XXXX and they took it off. I disputed it with XXXX and it still is on my credit report. This company Jefferson Capital is ignoring my letters and not showing me proof that I owe this debt. I want this removed completely from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 attempted to setup autopay for a fixed amount, which Bank of America 's website says is possible. It is not possible, and you have to call BoA to figure that out. This is an attempt to get people to pay less monthly, allowing BoA to charge interest when the interest free period expires.

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 2021-11-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The following are copies of messages so sdnt to Best Buys Citi Credit Card company after they, without warning, lower my credit limit thus maxing my utilization percentage, damaging by credit rating in reports to the credit bureaus. 


https : //citiretailservices.citibankonline.com/ - 1. My payment record is perfect, never late. However, XXXX has notified me you have chosen to lower my credit limit from {$2000.00} where it has always been, to {$1600.00}, thereby damaging my credit by increasing the usage rate. Thanks for rewarding my perfect payment record in this way. 

In light of such capricious and unwarranted action, my goal is now to quickly pay off my balance snd not use this card again. Thanks. 

Citis Response was essentially a non-response. 

2. 
Please know that I have used this card for the last time, and will be forever telling my friends and why. Damaging my credit by arbitrarily maxing my utilization percentage without cause is a slap in a loyal customers face. No company who does this can be trusted. 

Additionally, your customer feedback email yields content in French, not English. 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 2020-01-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had my fiance do my taxes last year, with XXXX XXXX, 2018. The funds were to be deposited in my checking account at Chase Bank, NA. I noticed the funds from my IRS return. were not being deposited to my account for a very long time. So, I went to the bank to find out about my return and they explained that they went into the wrong account as the account number was transposed by 2 numbers and the money was no longer in the other account the person took it. I was instructed to go to the IRS and get a indemnification letter so the bank could help me. I went to the IRS office and they told me that the lady at the bank had no idea what she is talking about the IRS does not give out indemnification letter. I went back to Chase Bank and they told me, " we are unable to help you '' .I am out over {$1400.00}. 

I did not know I could file a complaint as I told my mother in law the above situation and she said wait, you need to file a complaint. The bank has an obligation and security measures that need to be looked at it look like they have not complied. 

Thank you so much with your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.

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 2020-01-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: 21ST MORTGAGE CORP.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is due on the XXXX of every month and after the XXXX if its not paid I get a phone call, text, voicemail, and email multiple times EVERY day until its paid. Its very annoying and I would like for it to stop.In almost 8 years that Ive had the home I went to 31 days once. Im LATE every month, but not Behind. The financial counselor that has my account is very rude! I have asked him to stop calling and sending me emails every day. I used to get 3 voicemails per day until I deleted my voicemail account. I get emails with personal info in it ( account #, and payment amount ). The behavior is unacceptable for being late! I pay late fees every month. I didnt move the house ; its just LATE!! I get threatened that they cant continue with my loan for being LATE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am seeking relief from Ally Financial Inc. & XXXX XXXX XXXX ( XXXX ) in an amount exceeding {$40000.00}. In short, XXXX coerced me into getting a lease when I wanted to purchase a XXXX XXXX XXXX ( I have text proof and a deposit receipt for purchase ). XXXX sent me to another XXXX of their dealerships to finalize my transaction where the switch was made. The car was totaled in XXXX of XXXX and XXXX XXXX made a payment to Ally Bank Lease Trust in the amount of over {$49000.00}. Ally acknowledges that there was an excess payment made of over {$40000.00} ( {$44000.00} to be exact ), but I wasnt entitled to it and theyre keeping it per section 39 ( a ) " ... there will be no excess credit given. '' ( regarding any overpayment of insurance ). 
Im alleging Ally and XXXX  are in violation of various unfair, deceitful business practices as well as an unconscionable contract ( or at least an unconscionable section ). 
Id be more than happy to give a detailed explanation along with all texts, emails, receipts, & contracts if the involved companies are interested in potentially resolving this matter.

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 2020-05-20
Company: Premium Credit Bureau
State: AZ
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:
When I woke up and saw that my credit score went down by 2 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Car was broken in to, and wallet was stolen. Someone stole my identity and created XXXX XXXX accounts. Called Enhanced Recovery spoke with XXXX XXXX ( Service Rep ) and XXXX XXXX  ( Supervisor ) they said they could not find me under my Social Security number. I told the company this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX Equifax and XX/XX/XXXX will not give me a updated report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CCS COLLECTIONS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CCS COLLECTIONS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was trying to buy something from XXXX and then a message on my phone claiming to be XXXX  and at that time I didnt know it wasnt XXXX and they said that they need my information so they could deliver the packages and I didnt think much of it until the first of XXXX and I called the bank and told them what happened and they said they would handle 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 explanation
Consumer complaint received 2020-08-13
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.

Company response to consumer: Closed with explanation