BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a Bank of America customer. I had two fraud claims on my checking account. It is under my debit card number XXXX XXXX XXXX XXXX. I was given a temporary credit because this was fraud. I noticed that last week BOA debited my checking account for these fraud charges. I called last Friday, XXXX XXXX, and was very upset because when they did this, it overdrew my bank account. I was told they did this because they tried to call me to ask a couple of questions and couldn't reach me. I Never received a message from the bank. The girl asked me the questions and said they would reopen the claims and straighten this out in my account by Monday, XX/XX/XXXX. Well, they reopened claims and left my bank account in the negative status. I was livid. I had creditors coming thru for payment and BOA was bouncing my checks. I then was charged by my creditors and BOA charged me {$35.00} for that. What a slap in the face!! I am a senior citizen and my health insurance payment hit. My retirement money went into that account and BOA bounced that. I have serious health issues and will sue them if this doesn't get straightened out right away. I have called BOA everyday trying to get this matter resolved. Now they are telling me they are going to keep my account overdrawn until they finish the claims process. This is outrageous and no way to treat a long time customer who had legitimate fraud issues on her account. I told BOA this morning that I was reporting them to you and I also threatened to close all my accounts if this matter isn't resolved right away. I have been lied to, kept on hold for over an hour at a time or more, and not given any help or hope for help. Now they have put my health in jeopardy by not paying my health insurance. They are the worst.

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 2022-01-25
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had recently applied for a HELOC with PenFed on or about XX/XX/2021 for my investment property located in the State of Florida. I have already had a credit worthy relations with PenFed, because I already had a signature loan open and have always paid on time. Thus when i applied for a HELOC, they had to run my credit report again and my scores where acceptable at XXXX. I was then given a checklist of items that I needed ( documentation ) which I needed for a final credit decision. I have submitted all necessary documentation in a timely manner, and each time I would receive a generated company letter response. " Due to the amount of HELOC and overwhelming applications, we are delay in getting the products to our Members in a timely manner. However about 30 days later I was asked to submit more documentation regarding my previous Home loan Refinance closing documentation with my current lender, to see if my mortgage was paid on time. I am upset at this point, because my mortgage was being reported to the credit agency twice, as if I had two accounts and I did not. After disputing the items and having verification with a third party vendor of my credit worthiness, I though that was ok. However PenFed claimed that i had a foreclosure on my credit report which I never had, regarding my primary residence. I feel the process, of trying to obtain this HELOC was over the top and derogatory and discrimination in nature, because I am a XXXX female senior citizen over the age of XXXX XXXX XXXX and retired from the military and now I am told that I need to produce an additional income of {$1500.00} per month to get this loan approved with the under writers because I have a debt to income ratio of 58 %. I believe if that was the case then this should have been explained or brought to my attention on the initial application and not let me provided this documentation and that documentation just so they can have a reason to disqualify my HELOC.

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 2021-02-16
Company: CBC Companies, 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: Their investigation did not fix an error on your report

Complaint:
I requested that innovis provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical consumer contracts stored within their computer database via notarized and certified mail on XX/XX/XXXX. Every account I disputed was investigated by innovis and the results were " verified ' and updated, however innovis did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XXXX, XXXX original amount {$4700.00}, # 6 XXXX XXXX open date XXXX XXXX original amount {$790.00} According to the FCRA if innovis does NOT have a copy of the documents used to verify the accounts they are required to delete all unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: GLOBAL PAYMENTS DIRECT INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

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 2021-07-22
Company: AmerAssist A/R Solutions, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
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:
over 3 years ago my sons private student loan fell into collections with citizens bank. he set up his account and has made every single payment every single month to the bank. he found out about a month ago that citizens bank screwed up and never filed the proper paperwork to the credit bureau when his loan transferred. The reason he found out was because he got hit with a negative XXXX on his account a month ago ( over 3 years after the loan was active ), and it shows citizens bank as the culprit but no information as to why. The credit bureau also has NO history of his payments being made over that time. Since then he has filed multiple complaints and has tried to contact the bank directly. He spoke to XXXX from the chairmans office ( XXXX ) over three weeks ago, and she told him " we have no idea what happened ''. XXXX verified all my sons information and verified he has made all payments on time and that his account hasnt been changed, so they are unsure what happened. Since that conversation my son has tried to contact her back multiple times for updates, but all of his phone calls are ignored, and XXXX refuses to answer his voicemails and call him back. My issue now, is that last week I received a notification that my credit score dropped. Upon investigation it now appears MY credit has dropped 37 points for no reason - it just says " citizen bank ''. We have not made any changes to citizens bank, they have officially screwed up my sons account and now it has impacted us both. They NEED to stop dragging their feet and fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NY
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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.

This accounts and Inquiries has violated my rights.

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 2023-10-02
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was incarcerated on XXXX, and could not find my bank cards, ID, etc. I finally gave up XXXX and called to get a new card and I inquired about the balance and if there was any recent activity on the account since I could not find my card. At that time I was informed there had been activity on my account going back all the way through to the date I began my incarceration. I told them I obviously could not have made the charges and wanted to dispute the charges, which they claimed they would start a dispute ( which they did not do at that time ) they claimed that my card would be deactivated, and they sent me a new card around XX/XX/XXXX which was when I finally gained access to my account for the first time since XX/XX/2021, and I made a {$300.00} withdrawal the day I received my card. I had no access to their app due to being locked out of my email that was on record and I no longer had the phone number on record. I spent hours trying to update my email and phone number, sending pictures of my ID, photos of me holding my ID with mail addressed to me with the same address on record as well as the ID but because my current number was linked to a current Chime account I was not allowed to update neither my email or phone keeping me locked out of their app. After every purchase I would call to balance my account with what I had written down and they would never match up so purchases were still being made online with cards that I was told were no longer active via XXXX. I spoke with multiple service agents and received XXXX different new cards and had been told all 3 times disputes were being started each time. It was not until the end of XXXX that I finally was able to get a supervisor to process a dispute with me on the phone going through each purchase going back to XX/XX/2021. I was given the dispute number of XXXX and was told to email any documents supporting my claim such as documentation of my incarceration. Since they refused to allow me to update my email address on record, they refused to accept my documentation since it did not come from the email address they had for my account. On XXXX I spoke with XXXX who finally gave me a XXXX for my dispute which came to a total of {$4800.00}, and when I asked for an update she transferred me to her supervisor XXXX who simply informed me my XXXX was denied. When I asked why it was denied he said he wasn't sure. I asked for the documents and evidence available to them when they made their decision and he told me they were not allowed to provide that to me, and I asked to elevate my dispute and I was hung up on. I also have {$400.00} sitting in a savings account I am unable to access because I am locked out of their app and they will not allow me to transfer the money to my checking account any other way except through the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am sitting in a Hotel in XXXX New Mexico with my husband and dog after traveling XXXX miles from my home in XXXX. 
I have sold my home in XXXX to a very nice, well qualified buyer. 
I have a contract to purchase a home here in XXXX with a closing scheduled for XX/XX/2020. 

The Bank of America is the lending institution my buyer of my XXXX property is using. The Bank of America in XXXX has failed miserably to complete their obligations to us, our title company the buyers title company, my realtor, myself and the party I am purchasing my new home from. 

The title company in XXXX said that it is " unprecedented '' that a bank would not fulfill it's obligations at the scheduled time of closing. ( Which was already delayed due to the banks employee/ agent taking a vacation in the middle of this important XXXX  XXXX dollar transaction. ( the most important and largest transaction in my life. ) Promises to clear to close continue to be made, extra copies of documents are requested and then requested again. Closing gets delayed, the agent is unprofessional and clueless. His boss ( supervisor ) Does not return calls and does not offer even his last name to the buyer. I need help! I am hold up in a hotel in New Mexico!!!!!!

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 2021-03-09
Company: Avant Holding Company, Inc.
State: NJ
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 XX/XX/2020 i apply for a new credit card and was approved and they send it via mail during the course the card was stolen and i received a billing stating congratulations for activating your new card and was used at a XXXX store in XXXX NJ some 10 miles away from my home, so icall the comapny to report i never received the card but it was activated and used the representative made notes and said they will cancel the card and will issue me a new one in which i did reveiced 10 days later. Now they still attaching that {$400.00} dollars used from the stolen credit card. I have spoken and e-mail the company since last year to no results. I am not going to pay for merchandise i nerver bought or a credit card that i have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; Collections XXXX  XXXX XXXX  Opened XXXX {$220.00} ________________________________________ XXXX XXXX  XXXX  Opened XXXX {$490.00} ________________________________________ XXXX XXXX XXXX Opened XXXX {$500.00} ________________________________________ XXXX XXXX XXXX Opened XXXX {$590.00} ________________________________________ XXXX  XXXX  XXXX  Opened XXXX {$2200.00} XXXX XXXX XXXX  XXXX Opened XXXX {$150.00} ________________________________________ XXXX XXXX XXXX  AD Opened XXXX {$500.00} XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ID Analytics, Inc.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX  and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation