BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I got behind on my mortgage due to Covid-19 because I was unable to work due to XXXX XXXX XXXX XXXX  that prevented me from working as a XXXX XXXX. I have put in multiple Request for Mortgage Assistance Applications with Bank of American. ( BOA ) even agreed to a mediation hearing with BOA and a Maryland mediation judge on XX/XX/2023. BOA agrees to accept my application for a loan modification. I have submitted multiple applications for a loan modification since XX/XX/2023. BOA keeps denying my application due to being " Unable to Verify my income. '' I work two full-time jobs and I provided paystubs for both jobs, but BOA claims they can not verify my income. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I contact Bank of America 's Loan Modification Department no one can verbally tell me why my income can not be verified. I sent a written letter to BOA in late XXXX requesting the reason my income can not be verified, and I have not received any response. My home now has a foreclosure sale date of XX/XX/, and BOA is still refusing to process my Loan Modification application or tell me why my income can not be verified. My employers can provide verbal and/or written proof of my income but BOA has not requested a verbal or written verification of my employment.

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 2022-10-05
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened an account two months. The bank has denied service. It first sent checks to an incorrect address. Virtual every time I've tried to use my debit card, it is blocked. I've been stranded without gas or stuck at groceries numerous times. The bank denied doing this, and has said that the card was really just being declined. I submitted a dispute two weeks ago. The bank has refused to process the dispute. The customer service representative refused to provide answers as to why. After contacting a bank branch, the employee demanded my social security number and then refused service. I've sustained severe damages, due to this banks negligence.

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 2021-10-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent dispute letters to XXXX and Equifax certified mail on XXXXXXXX  regarding a bankruptcy case number XXXX thats Inaccurate information being reported on my credit report. I am positive my information was obtained from XXXX to obtain inaccurate information from my public files which has been DELETED. If these credit bureaus did there diligence and obtained the correct information, they would see that the information they are reporting in regards to the bankruptcy stated above is extremely inaccurate. My credit is being negatively impacted due to there neglectful reporting and I demand XXXX and Equifax remove this bankruptcy.It is not fair that they can simply snoop around and report only half truths and cause so much distress. They are in violation of my consumers rights under 15 us 1681a ( 4 ) consumer right privacy. This bankruptcy should not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I am urging the bureau to commence an investigation into these accounts, as I have a flawless record of on-time payments, yet they are incorrectly reporting me as late.

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: EQUIFAX, INC.
State: NY
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America overdraft fraud

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 2023-02-22
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX5 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 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 explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
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:
Informed the company that account was open fraudulently and they still will not take off my credit teport

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 2022-05-31
Company: EQUIFAX, INC.
State: TN
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:
In accordance to the Fair Credit Reporting Act, The XXXX Bank account has violated my rights. they are reporting a balance of {$250.00} on all 3 of my credit reports. As the account was closed/charged off over a year ago, I should not have a balance reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I written Americollect and requested all items pertaining to the collections account. and proof of how this debt is owed to me. 

This is not adequate proof of the debts belonging to me. Americollect has failed to validate or verify that these debts belong to me according to the fair credit reporting act, Americollect SHALL provide documents proving debt owed and they have failed to do so. I am requesting immediate removal from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TrueAccord Corp.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was cancelled immediately because their store rep, who signed me up, issued my password and gave it out publicly-this is against store policy. its like someone knowing your ATM PIN. I returned the products & cancelled immediately. XXXX still overcharged an additional {$5.00} which I had removed. I wasnt even living at that property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please note, I'm not using any third party for this matter and I represent myself by myself. 
I believe, my identity was stollen and someone was trying to apply for credit cards or financial goods on my behalf. As a result I got hard inquiries, that I have never authorized. 
These inquiries are not factual data but result of fraud. They must be removed from my report as soon as possible : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 
I have filed FTC report for this matter and I have attached to this complaint, please remove these items from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control , LLC with an address of XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. 

Principal Contact for the company is XXXX XXXX, ( XXXX ) XXXX. 

All previous debts have been managed under POA with a Debt Consolidation company. All creditors were notified by the company. 

The debt is listed with an Original Creditor named XXXX XXXX  XXXX XXXX, property and casualty, XXXX # XXXX, as a description with License number XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. Debt Collector advised call was recorded but did not identify as a debt collector or provide XXXX XXXX. I advised him I have never owned a home let alone a mortgage. He then began to tell me that it was not about a mortgage but other things. 

Debt collection office has an outstanding Class Action in Florida for deceptive practices and several of these deceptive practices were used. 

Collections was advised I had compliance experience and I would file with the state and Government. Stated did not care. XXXX v. Credit Control , LLC - 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 2021-10-22
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On Monday XX/XX/2021 I was locked out of my coinbase wallet account. I had a secondary backup on the XXXX and the wallet application did not recognize my backup. At that point, I had roughly {$11000.00} in the wallet, and currently there is about {$50000.00}. I was in contact with coinbase support off and on for over a week until they finally told me that there was no way for them to reset my account or for me to regain access to my account. I have a lot of money in there and I just want the wallet unlocked or the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Excessive overdraft 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 2021-10-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
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:
They reported non payment to my car note and i dont have the car anymore because its was total lost, and i made a payment to the bank but because they didnt receive the check on time they hit me with delinquent payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: MS
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:
Credit Bureau refuses to update my credit report.. my bank and student loan institution has reported numerous times that my account has not been late and the bureaus refuses to update information.. they just want to dispute the same account repeatedly.. I have credit monitoring for each credit bureau and even though the bureaus own credit monitoring department has the updated information the bureau still refuses to update results or help in any way.. I have credit monitoring results printed out but bureaus just reports the same information and say they dont have access to the monitoring section.. they send numerous alerts to me on updates to the report that I never get information on. Even though numerous changes have occurred after months of institutions sending information I have yet to see an updated report.. when I call they tell me what they see on the report refuse to update and I pay for another report week after week after week with no updates.. my bank had to send one report 6 times to get it updated and its still not correct.. even with dispute results corrected they refuse to update reports.. Ive been trying for 8 months with no help from the bureaus regardless of the info I have from their specific credit monitoring department.. I spend hours on the phone getting sent to different people or hung up on after sitting on the phone all that while.. I get told a different number to use every single time I call and still no results. Its like they want you to have bad credit.. Ive even had lawyers contact them with no results.

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 2023-09-01
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
In early XXXX of this year, I reviewed my credit and noticed a delinquent account that does not belong to me. I filed a police report the same day for fraud and impersonation and contacted XXXX XXXX of XXXX the next day and spoke with the manager, XXXX who advised me to come in to complete a fraud affidavit. He asked for personal information over the phone which I didnt feel comfortable providing as Ive never done business with this company and was very alarmed as to how they obtained my information to begin with. I went to XXXX XXXX and completed the Fraud Affidavit certifying that the account they have on record does not belong to me. The manager showed me a copy of a check which was somehow digitally deposited into a Truist bank account but was completely blank on the back without any endorsements. The manager told me the matter should be resolved in about 14 days and removed from my credit. Ive waited that time and called the manager again and even went back there to be told it will take about 30 days in total. This is unacceptable, as my credit has been drastically affected, my mail and identity compromised and I want a thorough investigation of these companies, XXXX XXXX of XXXX and Truist so that this doesnt happen to me or anyone else again.

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 2023-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 have a checking account, savings and a credit card with citizens bank. 

This is about my Citizens Cash Back Plus World Mastercard, which I opened last year in summer.

I've been out of the country for almost two months, visiting my family in XXXX. 
From XX/XX/2023 to XX/XX/2023. 

I checked my mailbox after returning to see I have received a letter from Citizens bank stating that my credit card account is closed because of some suspicious activity. 
I tried calling citizens immediately and they said it was regarding my payment made through a miscellaneous account for the amount of XXXX on XX/XX/2023. 
They requested to provide a proof of authorization from the person 's bank account which I used funds from to pay my card bill. 
( I used my cousin 's bank account details to pay off my balance and I was only able to use it after verifying the account within my online banking with the two minor deposits they sent to authorize to his account. ) I did reach out to my cousin again and send out the statement of his to citizens to get verified by them and get my credit card reinstated.. 
The case evaluation took more than two months and after two months they gave me a call and say they need to do a credit check to reinstate the credit card stating that after any account is closed it could be only opened back/reinstated within three months. 
I argued it was their team who delayed the process in the first place despite me going to bank twice to resolve this. 
There wasn't a mistake at all from my side in the first place, they didn't have proper communication before closing the account. I never receive a call/text or email from them to confirm that suspicious payment that they thought it was, all they did was send out a piece of mail and close the account.
Instead of closing the account straight forward, they could have, texted, called or emailed me to find the details of the payment, despite me being out of country I do have access for those all and could have explained them and resolved the issue.

In the end now after the inquiry they said they cant approve the card because of my existing credit stage.
I lost a credit card and an account from my credit history because of their improper maintenance/handling of situation.
And this did affect my credit score again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Amsher Collection Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company/Creditor Maury Cobb attorney at law, XXXX, AL XXXX sent first letter XXXX XXXX, says respond by XX/XX/2023 ; however, on XX/XX/2023, they had reported a negative derogatory mark on my credit file, didn't give me the opportunity to respond, tarnishing my credit report. 

The name on my credit file is Amsher Collections, out of XXXX, AL XXXX XX/XX/XXXX, I sent certified letters to both agencies creditor disputing this information, also I was requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to that creditor. 

I waited 30 days as per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and they sent some computer printout copies of the itemized statement. 

They failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Also the company is using two names one to correspond via mail, and the other to mark on my credit file. 

I sent a second letter to this creditor, and they have not responded to the second letter and it has now been over 30 days as per the coreFair Debt Collection Practices Act and the Fair Credit Reporting Act. and still see an adequacy derogatory mark on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation