BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my mom has a account with bank of america and her mortgage is trough them as well, she passed inXXXX of XXXX. I started the process right after that, sat down with a probate lawyer and filed all the papper work etc.my then lawyer told me that i did not need to pay mortgage payments while in probate, altough 7 months later i was told by my second probate lawyer that was not correct. I XXXX i got a letter from BofA stating my moms house would go in to foreclosure XXXX, at that time i contacted BofA they told me regardless of what my lawyer had said i needed to make payments hopefully at least no more than three months behind. i made one payment that month, I had already spent over XXXX dollars on the house during the year in repairs from the previous winter freeze. had i known i never would of let it get so far behind.I then got my probate court date for XX/XX/XXXX, I agin contacted BofA and let them know my court date was 2 days after the date of foreclosure, they said i still needed to make a payment, but that it would not start right away. i told them that i was applying for a new credit card to put the payments on it.i contacted BofA after my probate hearing told them that i was waiting on my paperwork from the court and would get it to them as soon as i got it. on XX/XX/XXXX attempted to make a payment by credit card but was told it had to be made in cash or check. XX/XX/XXXX i went and picked up my paperwork from XXXX courthouse and took it to the XXXX XXXX BofA to turn it in i was then told i had to mail it or fax it toBofA, i did it that night and have the conformation. The next day I took XXXX dollars cash to the XXXX XXXX BofA to pay my back payments, I was told they could not take my payment but to call the customer service number, after 35 min conversation with 3 different depts. they told me my moms house was Now in foreclosure and if i wanted they could send the New price out to me with court fees, lawyer fees and who knows what else.on XX/XX/XXXX i contacted BofA customer service and after getting them to get me to talk with XXXX in foreclosure she was able to tell me the same day i turned my paperwork from the courts to BofA is the the same day they took the foreclosure from inactive to active. i have the money now thanks to a insurance policy my mom had that i had no idea of that i got on XX/XX/XXXX to pay for my moms house, but I beyond OUTRAGED of the way I have been treated by Bank Of America.

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 2018-12-09
Company: Experian Information Solutions Inc.
State: IL
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:
My identity has been compromised inwhich resulted in fraudulent accounts being opened in my name. Im requesting that the following account, XXXX {$10000.00} be removed from my report. I have challenged this before but never thru these channels, hoping this time it be removed, or supported by physical documentation to valid the claim. If not then this account shall be removed immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF EDXXXX XXXXXXXX XXXX Owed : {$48000.00}.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Convergont Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section XXXX It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/2023 XXXX Reported XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2023-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing this complaint because I feel disregarded, neglected and discriminated by the financial institution that I had business and personal accounts with and kept XXXX of XXXX of dollars on my balance. For 10 long months I have been going through this and Ive been neglected, mistreated and discriminated. 
I opened my claims over 10 months ago and have been continuously calling and speaking to multiple claims supervisors and executive team representatives and I have been ignored and received an unprofessional approach. 
When I first called Chase I clearly stated that I want to dispute all of the XXXX transactions. Every time when I call to find out the status of my claim I was told a different story. It is their fault that they let over {$400000.00} to be wired without my permission as an account holder and notification. After 10 months of constantly contacting them I feel powerless. Because when I call now there is always an excuse and for some reason no one is available or they dont want to talk to me. 
I originally opened a clam for {$460000.00} for the same merchant. After continuous and difficult fights only {$43000.00} was mysteriously refunded. It is an insult to me that being a long time Chase customer, who constantly holds XXXX XXXX XXXX of dollars in his multiple accounts ; this is a treatment I receive. 

Please find attached the transactions mentioned above and copies of checks I have received. And the email from the merchant who was requesting funds back from me, because my financial institution took money without notifying me and constantly denying my clams and mysteriously approving a small fraction of my entire claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am filing this complaint because USAA closed my credit card account, which I've had since 2012. We have been very loyal customers to USAA. We paid off nearly 8-10 credit cards and loans with them over the lifetime of our accounts. 

During the pandemic, we fell behind and reached out to USAA several times to inform them our account was past due, but we assured them we would get all payments handled, as we always did. We also informed them we were in the process of catching up due to myself being an essential worker and having to take many quarantine leaves from exposure to XXXX, which impacted my pay. After each quarantine period, when I would get back to working, I always made USAA aware of our status- and each time they assured us they would work with us ( and we thought they meant it ). 

To say the least, even during the pandemic, we still successfully paid off a credit card and THREE auto loans with USAA. 

As of this month, we finally made it to a good place financially post-pandemic lockdown and business picked back up for my company. So I immediately went online and paid my USAA account. Today, I learned they have discriminated against and punished people who fell on hard times during the pandemic by closing their credit lines without personally reaching out to them and getting to know their situation during this pandemic. I reached out to a representative after making a {$450.00} payment to my credit to find out my credit line was closed without ever being notified. USAA claimed they sent a letter out to us back in XXXX, but we never received it. We also NEVER received a phone call regarding this. If USAA had reached out to us and said we were at risk for our credit line being closed, we would have put all of our money towards it to keep it open ... instead they lied and said they would work with us during this pandemic. 

We have been very loyal USAA customers, but after this experience, this does not sit well with me, nor my wife. No one should be discriminated against during this pandemic in which they had no control over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Bread Financial Holdings, Inc.
State: TX
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:
Unauthorized soft inquiries for online promotions. I never authorized these and Im not associated with any of these companies. 

XX/XX/2020-> COMENITYCAPITAL/XXXXXX/XX/2020-> XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 -> COMENITYCAPITAL/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX reported a debt for {$2100.00} on my credit report as an account opened in XXXX of 2018. It lists the original creditor as " 08 HSBC Nevada N.A. ". I have only had three credit and merchant accounts in my life and HSBC was not affiliated with either. I had NO credit or merchant cards opened in 2018. I contacted XXXX where the representative refused to provide evidence of this debt or to remove it from my report. Instead insisting only that I owned them {$2100.00}. He refused to open an inquiry of any sort or take any action regarding my dispute. I have disputed this debt with all three credit bureaus and hope that this attempt to scam me is corrected in a timely manner. 
HSBC Nevada is apparently no longer in existence as I did try to reach out to them to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: DMB Financial, LLC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Please make everyone aware of horrific tactics used by DMB Financial , LLC. I signed a contract with DMB in 2018 to assist me in debt management. I paid DMB monthly payments, and was asked to follow a process of not making payments to my creditors, not answering my creditors phone calls and signing over my authority to work with my creditors to DMB. Sadly, DMB ended up asking me to take back several of my accounts and they did not finish the rest of my program. They wanted me to continue with additional payments, which I can not afford because I had to fix the mess and much larger balances on the accounts I had to take back because of DMB. I also was sued by three creditors in the process. Also, in checking my credit report, I found out that DMB had reported a check lost in the mail excuse to one of my creditors, who charged off my account. Now, I have been rejected for an apartment due to my credit status. I am heartbroken that I ever believed this companys lies to me.

Essentially, I was managing my credit and had a good credit report before DMB. Now, my credit is a mess. I simply do not know how to fix what DMB did. I can not believe I PAID this company to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

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 2019-12-24
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017 i was about to take out a SBA loan and i got a message that i have some sort of collection on my business I had no clue what it was so i called and they said that its for a bill from XXXX  XXXX, i didn't remember not paying or anything BUT i didn't have even the time to investigate so i just paid the {$540.00} just to get over it ( see attached sheet ) Now is 2 years later ( i'm thinking to renew my loan ) I went to check my business report and its still there as an unpaid Balance!!!!! 

I also don't commit not to sue the company for the highest amount possible for damages of all kind

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I had a previous complaint about my account being closed and now they sent me a check with the refund, went to cash the check and The check is bouncing and no one will cash it because they cant get ahold of chime to verify the check Amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX I filed a complaint to update my personal information and I provided all documentation needed to verify who I am. The complaint # XXXX has taken more than 30 days and the issue is not resolved. Below I have attached documents to show what information should be updated or removed.

Company response to consumer: Closed with non-monetary relief