BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Profiteering by Bank of America On XX/XX/XXXX, my XXXX  was a college student at XXXX University in XXXX Virginia. I chose Bank of America to do an away from home auxiliary account in order that he could accomplish his banking needs. ( Like many college students, my XXXX  was not finance savvy. ) My XXXX and XXXX were joint on connected checking and savings accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. 
Checking account : XXXX. 
Savings account : XXXX In order to meet the criteria for no fees to be assessed, I was a XXXX XXXX and had a XXXX XXXX  come into the checking account, proceeded by a transfer. I have the initial XX/XX/XXXX statement stating an account to account transfer would take place every month. The document stated, XXXX assisted transfer from XXXX XXXX. 

After my XXXX matriculated from XXXX University and left XXXX, the auxiliary checking account was no longer a necessity. He had an established primary account with a XXXX XXXX union affording many great benefits. My son, however, left the Bank of America accounts open, using the debit card, on occasion. I never dreamed XXXX XXXX XXXX  of BOA profiteering could result. 

# XXXX On yesterday, XX/XX/XXXX, I learned that for years the checking account was being charged $ XXXX  monthly. My XXXX, not banking XXXX  was unaware of the huge profiteering by Bank of America. 

The account was paperless. I no longer paid close attention believing that things were fine. I retired in XXXX and my federal allotment stopped. This must be when the {$12.00} monthly started. It is unfortunate that this is when banks profit huge from XXXX 
A. I would like a full accounting of DATE when the {$12.00} monthly fee started. 
B. Provide TOTAL AMOUNT OF FEES paid up to checking closure : Friday, XX/XX/XXXX. ( $ $ $ PAID ) # XXXX In the process of closing the checking account, I was flabbergasted to learn that in addition to the {$12.00} monthly, a {$5.00} monthly savings account maintenance fee was being charged because the savings balance was under {$300.00}. ( My son was in the dark about this simple that could have been imparted. 

{$5.00} monthly on a XXXX Account is the exception. BOA has ways to assure that its customers are not been duped. This is a shameful, unethical practice. 

A. I would like a full accounting of DATE that the {$5.00} monthly fee started. 
B. Provide TOTAL AMOUNT OF FEES paid to PRESENT. ( $ $ $ PAID ) MAKE XXXX WHOLE : 100 % refund of {$5.00} monthly fees due to unfair profiteering and unethical business practice. Funds to be deposited into XXXX account 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 monetary relief
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: NC
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:
I have contacted Equifax numerous times about inquiries on my credit report from dealerships that I didnt authorize to my credit report today I view my credit report and I have 249 inquiries.. Im very upset about this and Im requesting a one time dispute on these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 non-monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NY
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-03
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
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 Bank XXXX XXXX account # XXXX and XXXX XXXX Bank account # XXXX, have violated my rights. 

15 USC 1681 Section 602 state I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased from another lender by XXXX mortgage. I do all my billing online and set automatic payments and XXXX  paper statements and had a XXXX XXXX XXXX. They wrongfully placed an escrow account on my mortgage with force-placed insurance when I already had insurance on the property. I did not realize they had done this until my credit score started plummeting with late payments due to them changing my mortgage amount to include an escrow account that was and should be principal and interest only. I sent them the documents to confirm I had insurance on the home and they refunded the force placed insurance but did not remove the escrow, late payments nor did they put my account back to its original state. I spoke to XXXX person that said it takes time for an escrow analysis. Theyve now begun rejecting my mortgage payments and Id like all the negative reports removed from my credit and my account restored to its original status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For about 2 years ever since I got a new phone number I've been receiving calls for someone else 's debt, repeatedly I've told these companies that the number is false and to take my number off of their call list but they won't stop. I feel like someone is using their previous phone as fraudulent information to take out loans. 

Most recently I've received almost daily called from this " XXXX XXXX XXXX' Phone line, when asked what their company was they said " Phoenix Financial Services ''. I've told them to stop before but they keep calling me over and over. I don't know how to report this person, but they tell me the name of the person when they call me I just don't know how to spell it. The people are very rude, and refuse to help me and keep calling. I've also asked for who exactly is using my phone and they say the name, don't spell it and try to rush me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I previously had a checking account I've been using for years. Then all of a sudden I realize that {$750.00} was unauthorized withdrawn with a withdrawal slip with a forged signature and my social security number in XXXX TX, Meanwhile I'm in New York. This happened XX/XX/20, I called and filed a fraud report then I was refunded the money back in 5 business days. I eventually closed the account, That was the first time. Now I opened an account last week and the same exact fraud happens for the same amount ( {$750.00} ) yesterday XX/XX/20. I have no protection from the bank. same forged signature and social security number written on the slip.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has no permissible purpose to furnish a report on my behalf i never gave written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX Account : No Number, Date XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account : No Number, Date XX/XX/2012 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is an on-going problem ONLY with Bank of America Business Checking account. I have similar accounts with XXXX XXXX and XXXX and never had this problem. 

The scenario that I would describe occurs every time I use my business debit card to purchase fuel from any gas station. Every time the purchase is made that day, I would check my account online and would see that gas purchase marked PROCESSING and the amount debited from the balance that evening. In a day or two, that line item transaction DISAPPEARS and RE-POST three days after the original purchase date. Each morning, I depend on BOA to send me a phone notification of my current balance so I can make the decision how much I can use the debit card each day. Since there is a FLAW in that BOA removes the line item gas purchase displayed on the first day purchase, each morning the phone notification I received is INACCURATE and USELESS for me to keep track. Because of inaccurate balance notification on my phone, several times the account would charge an OVERDRAFT FEE because the gas purchase that originally was " PROCESSING '' three days ago would RE-APPEAR to POST on the third day after I made other purchases that would create a shortfall of funds. 

The main problem here is that gas purchase originally purchase today and would show PROCESSING today would DISAPPEAR in two days from the line item online transactions and REAPPEAR three days later to POST the charge, hence the balance notification becomes USELESS and INACCURATE to depend on. Again, this is an on-going problem and I can recreate the problem with an investigation staff or would ask other consumers if they have similar problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX SSN : xxx-xx- XXXX | DOB : XX/XX/XXXX Equifax Information Services LLC . 
XXXX XXXX XXXX. 
XXXX, GA XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX 2 XXXX Unverified Account XXXX XXXX  XXXX XXXX Account was never late XXXX/XXXX  XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : $ 5,642.00-

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 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EAST WEST BANK
State: CA
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/XXXX, I tried to purchase an used cell phone with {$330.00} from a seller through a online shopping site called XXXX. However, On XX/XX/XXXX, I failed to log in to my account, and I received an Email from XXXX   stated that due to some reasons, they decided to close my account. On the same day, I emailed to XXXX to state that there was still an on-going transaction in my account, and a pending transaction appeared in my bank account. Therefore, I would want them to cancel the on-going trading since they closed my account. However, the site did not respond to my request. 

Meanwhile, I went to a branch of my bank, East West Bank, and I stated my concern that I might be scammed. I would want them to help me preventing any loss or stopping the transaction. Yet, the teller said they were unable to do any action at this moment since the transaction was not completed, and the money is still in pending. 

On XX/XX/XXXX the transaction changed the status from pending to completed. 

on XX/XX/XXXX, I received an box that I believe it is empty from the seller. I immediately called the customer service of my bank and asked them to help me filing a dispute/fraud. I explained the whole thing to a representative, and she said she has made a dispute case for me. 

On XXXX, I went to a branch of my bank and asked the process of that dispute. A teller couldn't find the case I made on XX/XX/XXXX, so she helped me to file again. 

on XX/XX/XXXX, I made a call to the branch I went on XX/XX/XXXX to ask for any update of my case. A teller told me the dispute investigation team refuse to help me due to it is a merchant dispute, I should contact the merchant to resolve the issue directly. However, I have stated an issue that Neither I have contact info of the seller, nor the XXXX site didn't answer my Email regarding the transaction every time when I was trying to describe my situation to the bank 's representative.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX of XXXX an unauthorized purchase of {$940.00} was charged to my XXXX acct. I immediately opened a fraud claim for this purchase in XXXX and XXXX did nothing to investigate for 4mo. After repeated demands on my part they denied claim and stated I needed to fill out an Identity theft affidavit and submit to them in XXXX of XXXX, which I did and still nothing has been done since then to rectify this claim. Since then they have disrupted my entire financial existence by reporting inaccurate late claims to Experian causing my score to drop over XXXX. despite the fact they have NOT completed my fraud claim. I have disputed with Experian and XXXX  to no Avail and NEVER missed a payment relating to my personal acct that I WAS responsible for with XXXX. I have since then found that my daughter was responsible for the charge and both her and I have provided this info to XXXX, still no changes have been made to my acct to reflect I did not authorize this charge. Legal letters from Attorney has also been submitted to XXXX and Experian on my behalf by certified mail, Which they received on XXXX and XXXX. 
I do not understand how a company can get away with such things without basis, and have processes they do NOT follow. I recently lost my XXXX XXXX in XXXX and have had XXXX harassing me ( despite I should NOT be receiving demands during open dispute claim ) during a time I am barely holding on mentally. I am trying to refinance my home but this credit reporting is hindering from doing so because of my credit score. I am pleading with your company to help to resolve. I have exhausted all known measures 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 2020-03-20
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: Problem with personal statement of dispute

Complaint:
XXXX  XXXX XXXX issued my estranged husband a credit card. The credit card for some reason is also in my name ( I never applied for a credit card with them ). My estranged husband did not make the last months payments and it went on my credit report. This is not my debt!!! I did not authorize this card and I never used it! I dont even have a XXXX  XXXX XXXX credit card in my possession. I want it off my credit. Im being held responsible for his debt!!!!!

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