BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid. The DR office returned XXXX XXXX Commenity Capital Bank XX/XX/2023. After that date, Commenity Capital Bank called me at all hours of the day and night harassing me for an extra {$500.00}. I paid them to stop them from calling me. My dentist office said I did not need to pay them as they were FULLY refunded. They got {$500.00} extra out of me so I am disputing this with my bank. Commenity is still calling me saying that I owe them {$22.00} more dollars on an account that has been closed over a month now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a home loan with Bank of America, I fell behind originally due to natural disasters that hit every year before XXXX ( XXXX XXXX, XXXX, XXXX XXXX and I had a reduction in income. I applied for assistance with bank of america and went through multiple reviews trying to get assistance. They were saying they were " unable to verify my qualifying income '' which I never could get a good explanation since it was VA military XXXX and Social security which were verified with award letters and bank statements. For a time in XXXX I earned some self employment income of around {$2400.00} per month but lost it the same year. Bank of America made me file a tax return to document it so they could count it and I did and provided a copy to them but since the IRS was slow to process it when they did the 4506T transcript it did not show up yet. I escalated it then and it was supposed to be all cleared up. Since then I have not filed since my household income has been tax free from VA military XXXX and Social security. Then around XX/XX/XXXX XXXX hit and we were affected and went on the XXXX forbearance. As everyone was told that at the end no one would have to make up all the payments but there would be assistance to bring the loan current so we wouldn't lose our home. So XX/XX/XXXX it ended and we applied for assistance. Bank of America ends up saying the same thing they did and denied us that " they could not verify our qualifying income ''???? Since our only income for the last 4+ years has been VA XXXX XXXX and Social security I couldn't get anyone to explain how they could not verify that when I sent in the award letters and bank statements showing the deposits???? Now Bank of america has sent us foreclosure letters through XXXX XXXX XXXX XXXX attorneys office. I have reached out to the attorneys office to find out if there is a foreclosure sale date but they have yet to answer for 2 days and from my experience with these people in the past they don't give notice as required by law but they just impose a sale date and by the time I find out it is too late to do anything. I have reached the end of the rope as we are facing health problems from XXXX and my wife is sick and is more susceptible to XXXX  due to her poor health and being 100 % XXXX from service connected 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 2022-03-01
Company: EQUIFAX, INC.
State: HI
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:
XXXX and Equifax are reporting factual errors on my credit report from Company XXXXXXXX  account # XXXX XXXX and Equifax are reporting inaccurate High Credit, Inaccurate Credit Limit, Inaccurate Date Last Active, and inaccurate Date of Last Payment, these errors and inaccuracies are a direct violation of the FCRA so this account should be deleted from my credit report immediately and permanently. I will attach my Valid Hawaii State Drivers License, my Social Security Card, and a Copy of my Utility Bill for Proof of Identity and Residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: VA
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/2022, My last attempt to resolve this issue I requested Experian please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile.

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 2022-02-27
Company: Home Loan Center, 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: Account information incorrect

Complaint:
I noticed that the credit scores and balances were not correct and notified the companies of this. That the scores the were posting was about 100 points below my true credit scores. I have asked for these companies to correct this several times and they have not. Credit Karma and Lending tree wants the consumer to believe that their credit score is very low so they can trick them into using their vendors services and in doing having your credit ran at a cost of several inquiries on your report losing your credit score. They also report high balances that you have paid off, information on old closed accounts that shouldn't be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: HI
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:
Experian and XXXX are reporting factual errors on my credit report from Company XXXX account # XXXX Experian and XXXX are reporting inaccurate High Credit, Inaccurate Credit Limit, Inaccurate Date Last Active, and inaccurate Date of Last Payment, these errors and inaccuracies are a direct violation of the FCRA so this account should be deleted from my credit report immediately and permanently. I will attach my Valid Hawaii State Drivers License, my Social Security Card, and a Copy of my Utility Bill for Proof of Identity and Residency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Iam an individual of XXXX  descent and have been using PayPal for quite a while now, on XX/XX/2020 my account unfortunately got permanently limited due to issues I'm not familiar with and neither were they explained to me in detail as to why it happened, on the other hand, I read that this sometimes happens with PayPal accounts if you log into your account with a different gadget be it a phone, tablet or desktop it happens and on this day it happened to me. The account was more than a year old and no fraudulent transactions were associated with it.Whenever I'd try to reach PayPal I'd get an automated message from them which really doesn't assist me on how to get the money back from the account which is why I'm coming to you now .... I learnt that this website, consumer finance.gov can assist citizens and non citizens of the United States in such a case and also because PayPal is a company governed by laws of the United States, which is why Im Writting to you and making this complaint, also I have no other way to reach PayPal as via phone calls is also not so swift. I would highly appreciate it as the money in the account is about 500 usd which is quite alot in my country and it would greatly assist me especially now that I need it to take my girlfriend to hospital for check up, she's now XXXX XXXX XXXX  please see if there's something that can be done for me to atleast get the money from my account, no complaints or whatsoever are associated with the account, it's an individual account and not a business account the money I received was purely for personal reasons which is why I have to ask for an appeal and also because I brought up a complaint about the same but wasn't really fairly looked upon I hope you will put more consideration into this. Thank you for your time.Also, I'd like to point out that the email address I have used below for the updates you'll send me is for my PayPal account as well and that it belongs to me personally and in no circumstance am I doing this for anybody else but myself entirely!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a first-year XXXXXXXX XXXX XXXXXXXX currently ( see attachment 1 for proof ). I opened a Bank of America ( BoA ) account on XX/XX/2022, before the semester begin. I was hoping to use this account to pay my rent and store my stipends. Unfortunately, things did not go well as expected. 

On XX/XX/XXXX and XX/XX/XXXX, I initiated 2 ACH transfers. The transfers are from my bank account ( ending XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX USA XXXX ( " XXXX XXXXXXXX, XXXX ) to my bank account at BoA. The total value is just XXXX dollars. I hereby confirm that I am the owner of the account ( ending XXXX ) at XXXX XXXX  see attachment 2 for proof ), and I myself initiated the two ACH transfers. The money in my XXXX account is also my legal money ( see attachment 2 for the XXXX bank statement, attachment XXXX for my pay stub, and attachment 4 for my XXXX funding letter as proof ). I moved my own money from one bank ( XXXX ) to another bank ( BoA ), there should be nothing wrong with it. 

However, BoA mistakenly treated these two ACH transfers as " suspicious '' ( see attachment 5 ) and closed my account because of the two ACH transfers ( see attachment 5 ). I have completely no idea why BoA identifies these two ACH transfers as " suspicious ''. 

The remaining balance in my BoA accounts ( totaling {$3600.00} ) is still frozen today ( XX/XX/2022 ). BoA also reported this ACH activity as a " suspicious '' activity to XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX, telling me that this may adversely impact my ability to establish an account at other financial institutions ( see attachment 5 ). 

I demand BoA take these actions : 1. Please reopen my BoA accounts.

2. Please unfreeze my fund as soon as possible. All the remaining fund is my legal money 3. Please report to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. that the ACH activity previously reported is normal and legal. 

I will collaborate with XXXX XXXX XXXX and start a lawsuit to solve this issue if my funds are not unfrozen within 30 days. 

======================================= Attachments : Attachment 1 : My proof of enrollment at XXXXXXXX XXXX. 
Attachment 2 : My XXXX bank statement at XXXX XXXX XXXX XXXX XXXX XXXX ( USA ). 
Attachment 3 : My XXXX pay stub from XXXXXXXX XXXX. 
Attachment 4 : Funding letter from XXXXXXXX XXXX 
Attachment 5 : The response from Bank of America to a previous complaint filed by 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 2022-03-02
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was the victim of an accident and had to receive Medical Treatment on XX/XX/20. After I started receiving Medical Bills from XXXX XXXX XXXX  I gave them all the proper Insurance information. I have a great insurance plan and have never had any issues having anything Medical get paid by my insurance provider. My insurance plan is a 2 card system, in that I have a Primary and Secondary Insurance. Anything is not picked up by the Primary Insurance is always picked up by the Secondary. When I gave XXXX XXXX my Insurance information, someone assumed that it is a Limited Benefit Plan, but it is NOT. IF they would have called for verification, the Secondary Insurance Provider would have told them. Since they flagged by Insurance Plan as a Limited Benefit Plan, the medical bills were never submitted to my secondary insurance for this bill. All other bills regarding this accident, including an ambulance ride, were paid without any issues. Because of the length of time that it took to get this figured out, the bill was submitted to a Collection Agency and now sits on my Credit Report. XXXX XXXX XXXX has taken this out of Collections ( and out of Bad Debt ), but Alliance Collection Agency is still reporting this as a collection on my Credit Report. I need this taken off ASAP, as it is negatively affecting me in a very big way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: National Credit Adjusters, LLC
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:
I have disputed thru XXXX and XXXX that the accounts where not mine and requested proof of the debt. The addresses that the debtor has have never been my address. They have never been able to send me anything that is mine or proof that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Some time in the beginning XXXX I sent all XXXX bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day XXXX have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 61XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: In progress
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-08-30
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XX/XX/2023 I deposited {$1000.00} on my Michigan first card using an pnc atm machine and it toke my money and was never credited to my account around XXXX pm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Unfortunately, it appears the only way to get a timely response from Freedom Mortgage is through an official complaint to a government agency, since they do not regularly response to messages sent on their on message center. Even with an official complaint filed, Freedom Mortgage is still extremely slow in fully resolving issues. Yes, they finally removed the unwanted escrow/impound account and refunded half of the prepayment amount, for a refinance plagued with issues. However, they still have not refunded the {$2000.00} ( Escrow from previous loan ), the {$2000.00} extra mortgage payment that was processed on the previous mortgage ( allegedly they processed this refund on XX/XX/XXXX but we still have not received the funds ), and for some reason they assessed two fees with no explanation to the closed mortgage, {$170.00} on XX/XX/XXXX and {$190.00} on XX/XX/XXXX. 

Again, I am having to file a complaint in order to get a refund of the {$4000.00} and requesting an explanation of the {$370.00} in fees.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: IL
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 didnt make the inquiries on my credit report. I disputed them. 
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Company response to consumer: In progress
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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