BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : Bank of America is maliciously and intentionally placing false information onto my credit files, with the intent of destroying my credit rating. 

Bank of America has placed a charged off debt balance in the amount of {$770.00} onto my credit files, a debt that they know that I did not run up. 

The fraudulent balance that Bank of America is reporting to the credit bureaus regarding said account, they ran that balance up themselves, with false usury charges, and fees. 

I have had no dealings with Bank of America since around XXXX of XXXX, the status data information that they are showing on my credit files, is all false made up information. 

As previously stated, I have had no dealings with Bank of America since XXXX of XXXX, and by what the copy of my credit file that I have provided to you is showing, the information as how they have it reflecting in the ( Payment history XXXX on my credit file, is all falsified. 

Bank of America is wrongfully slandering my credit, they are falsely listing as though I had dealings with them in XXXX. 

And in the ( Status ) at the top right hand corner of my credit file, you will see that Bank of America is claiming that I had a charged off account with them as of XX/XX/XXXX, and that is a lie. 

Last year there were many phone calls that were made to my cell phone, by a debt collector that did not verify this debt, prior to constantly calling and harassing me. 

I did not know why this person kept calling me, I later found out on my own, who they were after I had complained, and I learned that they were calling for Bank of America, regarding this credit card 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 2022-03-08
Company: Experian Information Solutions Inc.
State: CO
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:
Discovered an auto loan account in my Experian credit report being handled by XXXX ( XX/XX/XXXX ). I called XXXX ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with Experian ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and XXXX reported that the account did in fact belong to me. Again, I called XXXX and they are not able to find an account number associated with my personal information. I then called Experian ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. Experian acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since XXXX asserted the information belonged to me. XXXX is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through Experian and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on XXXX and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities. 
I have since received two responses from Experian, an interim on XXXX XX/XX/XXXX to allow more time and then a company response on XXXX XX/XX/XXXX. The response provided was inaccurate and did not resolve the issue. It only created more of a concern as XXXX reported the information as not a match on XXXX XX/XX/XXXX ( please see attached document ) and Experian was not capturing the information accurately ( similar, but not a match ). Experian also references a result summary sent XXXX XX/XX/XXXX but no result summary dated in XX/XX/XXXX has been received as of XXXX XX/XX/XXXX via separate correspondence or through the CFPB site. What does Experian plan to do to correct the inaccuracy in their records and remove this account from my credit history? Has the correction XXXX references in their response been received by Experian?

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 2021-03-05
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have received ( 3 ) unsolicited debit cards since XX/XX/21 from XXXX. 2 were Flareaccount cards and 1 was 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 2023-05-15
Company: HCFS Healthcare Financial Services of TeamHealth
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: Their investigation did not fix an error on your report

Complaint:
To Whom It Concern at XXXX. 
I received a bill from you on [ insert date ] and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. 
Kind regards, XXXX XXXX I have sent them this on several different occasions they have not been able to validate the account, showing me any kind of agreement or my signature between me and the service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO
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 filed an application for credit with Car Hop and from the start have had horrible service from the sales rep named XXXX. He failed to follow up with me until I had to reach out to him. XXXX began asking for information from a previous application I submitted which was not the one with my current information on it. When I reached out to XXXX he failed to follow up with my primary form of communication as well. I called Car Hop on XX/XX/2019 to speak with a manager regarding the situation and spoke with XXXX. XXXX is not personable at all at the slightest sign of frustration he began to threaten to hang up on me and not do business with me. I was not verbally abusive not was I screaming, shouting or yelling at him. He stated that because I was making a complaint against him and his employees I was being abusive and he eventually hung up the call. This business failed to communicate with me about my approval or denial of my application on more than 5 occasions both by call and email. They refuse to tell me what the application status is and at this point feel that they have violated my rights as a consumer. I have not received any mail regarding my credit which was run by this business and want any record of them pulling my credit removed from my credit report as they have blatantly failed to provide the service they advertise. They are not conducting fair and reasonable business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I had an IRA account at Bank of America and requested that the IRA be transferred to my XXXX XXXX in North Carolina. Bank of America sent a check to my credit union for the incorrect amount. My statement as of the end of XXXX shows a balance of {$6800.00}. The check they sent was for {$6700.00}. 
I called customer service at Bank of America and was told they charge {$50.00} to transfer money to another financial institution. I asked why and they told me when I signed up, I was told there would be a {$50.00} charge?? This IRA was opened sometime in the 1980 's at a branch in MIchigan. There was never any communication about a {$50.00} charge if I ever wanted to transfer the money to a different financial institution. 
Basically, Bank of AMerica is stealing {$50.00} from 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 2022-01-31
Company: NAVY FEDERAL CREDIT UNION
State: NV
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 filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any results.

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 2020-11-09
Company: Bridgecrest Acceptance Corporation
State: KY
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:
Today, I received on my XXXX  Credit report that I was 60 days and 3 payments past due on my Bridgecrest account, as shown below. This is false reporting. I did exactly what was required of me to make payments until my GAP insurance made the final payment. However, when I received the below on my credit reports, I was very disapointed in how Bridgecrests communication process failed. 

My car, XXXX XXXX XXXX, was totaled on XX/XX/XXXX. Prior to this accident there were zero late or missed payments to Bridgecrest. Below are records from my account on Bridgecrest on or about 70 days ago. Records also showed that I made payments on XX/XX/XXXX and XX/XX/XXXX. Records also show below that Bridgecrest reimbursed me for all payments made since XX/XX/XXXX. The reimbursed check amount, along with the check # and date match exactly the payments I made over the last 70 days. Again, prior to this there were zero late or missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE 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:
Account Name XXXX XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for 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 2022-01-31
Company: Bread Financial Holdings, Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
CCB/XXXX is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. 

( CCB/XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: HOMESTEAD FUNDING CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I just closed on a mortgage ( FHA ) as a buyer a week ago XX/XX/2021. During the closing, I noticed a big discrepancy on my closing cost in the final closing disclosure ( CD ) and complained about this to my attorney and the settlement attorney. The discrepancies involved some payments which are due to or responsibilities of the seller but added to my cost. For example, delinquent taxes of the seller was added to my closing cost. Another big issue is the missing seller 's credit of {$10000.00} as contained in the contractual agreement signed by all parties. This errors made my cash to close to rise by {$10000.00} to {$35000.00}. Page 3 of the final CD has seller credits as {$0.00} instead of {$10000.00}. Despite all my complaints to the lender and my attorney, I was not provided a comprehensive response to my inquiry of why these discrepancy occurred and what some of the payments in the final CD. I believe this is a subtle way of short changing me in the property purchase. 

In one of the responses of the lender to my complaints about this error in cash to close, some payments were marked as settlement made by the seller on behalf of buyer ( me ) towards the seller 's credit. However, a closer look at those payment shows that this maybe untrue. I requested for a new CD that separate seller 's payment of their previously owned taxes and from the credits provided to me for my closing cost. My request appears to be ignored. It is actually against the law for the seller to fulfil their statutory obligations and shift their past due payment to buyer. This is not the agreed seller 's credit of {$10000.00} in the contract/offer letter. 

I will be very glad if CFPB can intervene in this matter to save me from losing {$10000.00} in this transaction and to unfairly treated. 

Thank you.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy Filing No. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 


Please do not close this complaint because it is a different case from the complaint I submitted last XX/XX/2023.

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 2021-04-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested this XX/XX/XXXX and they are refusing Request to Validate Medical Debt XXXX XXXX Common Wealth Financial XXXX XXXX XXXX  # XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX PA XXXX XX/XX/XXXX XXXX Amount of debt : {$1200.00}. Account Number # XXXX Date of Service : XX/XX/XXXX Email : XXXX Provider of Service : XXXX XXXX XXXX  XXXX Dear collection agent, I received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Plus the information release without mu authorization is from a minor. I hope to hear from you as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CITI XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CITI 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 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Their investigation did not fix an error on your report

Complaint:
CAPITAL ONE is reporting on my personal credit file. This company has illegally re-aged this account. Please investigate thoroughly and delete this account from my file. 

( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation