BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with Bank of America. 

Due the hardship related to COVID-19 I got multiple deferrals of my payments. After 18 months of deferrals, I was told that I can apply for a mortgage modification. 

I applied for modification and submitted all the documents to show my income. I was assigned an account manager or dedicated representative, and would be in contact with her regularly, answering questions verbally or submitting documents as per request. 

At a certain point, I was requested to submit a Profit & Loss statement for a XXXX XXXX that I owned. This was totally out of bounds, as it was nowhere in the document list, nor would it have any impact one way or the other on my income. I provided the explanation to the assigned account manager, stating that the only income I receive from this business is a small paycheck. I was told that nothing further is needed. I then went for a while without hearing back. I kept on calling Bank of America for updates, and was constantly told that my application was still under review. 

Then at a certain point I was told that my application was declined ( and was given a much earlier date of that decline ) because they couldn't verify my employment and income. When I asked what that was about, I was told it was because I didn't provide the Profit & Loss statement for the XXXX XXXX. I argued that this is totally incorrect, as regardless of what that P & L statement would show, it wouldn't have any impact on my income, as the entity isn't a pass-through entity and it is not self-employment income. As such, the only documentation I would need to provide in relationship to that company would be the paystub I receive, which I had provided. 

Numerous attempts to escalate this and have Bank of America give my application for a loan modification a fair and complete evaluation have ended up with a dead-end, insisting on requesting these unnecessary documents, which are hard to come by and wouldn't have any effect.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} XX/XX/XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3600.00} XXXXXX/XX/XXXXXXXX Balance : {$1300.00}

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 2023-06-27
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NOTICE OF DISPUTE! 
I had a credit card account with CELTIC BANK which was charged off after I asked the bank to show me the full accounting on my account. Now I have a collection on the Credit reporting agencies that XXXX IS NOW THE CREDITOR of this charged off account and has placed a collection status. I don't know this company, nor do I have a contract with them. They have defamed my character, slandered my credit and invaded my privacy! I know now that credit card account are non-transferable and non-negotiable. Please explain how this company I don't have a contract with can claim to be the creditor and try to collect on a non-negotiable, non-transferable account that has allegedly been charged off after I asked to see the books on it? Isn't that fraud? Doesn't Celtic Bank have an obligation to me under T.I.L.A to show me what I asked for+ Since the debt wasn't created until I extended my credit doesn't that make me the Original Creditor in Fact? I know the CFPB just got a {XXXX XXXX settlement from XXXX Bank for not complying with T.I.L.A and violating consumer rights like Celtic Bank did with 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 2021-12-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I stayed at XXXX XXXX XXXX XXXX and they placed {$150.00} credit hold on my American Express Bluebird card. On my account it says {$170.00} on hold. I left the hotel on the XXXX of XXXX. It was released immediately at XXXX XXXX according to XXXX at the hotel on XX/XX/2021. XXXX XXXX is still holding the charge on my card 11 days later after the hotel released the hold. They have no business holding the funds any longer and will not release the funds even after I've had the hotel on the phone. 
I want my funds released immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2023-05-18
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX, 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 2022-06-12
Company: Experian Information Solutions Inc.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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

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 2021-12-21
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Moreover, XXXX XXXX XXXX committed aggravated identity theft when they resold my private information to Transworld Systems collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX Account # XXXX, 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

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 2023-06-24
Company: EQUIFAX, 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:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. these hare inquiries are hurting me for getting approved. i already reached out to the credit bureaus about this multiple times they keep violation my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$6500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. NOT PROVIDED ACCOUNT NUMBER XXXX BALANCE {$640.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2600.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$8200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$1500.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE {$3400.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: NM
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in banking and get a mortgage and these accounts are hindering my chances. Please correct 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 non-monetary relief
Consumer complaint received 2021-12-21
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:
So XXXX finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, 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:
( XXXX ) XXXX you have No Standing in using my identification. 
( XXXX ) XXXX  your note is not binding because it was not completed in a federal lender who orginates federal student loans website required for electronic signatures by the XXXX Department of Education and the Higher Education Act who governs the federal consolidation loan and for other important issues.

( 3 ) Transuion do not send my complaint to any agenies. XXXX just you mentioning this in your letter violatates the Fair Credit Reporting Act for accuracy in reporting. XXXX remove XXXX student loans off my credit report in 4 days. 

( XXXX ) Nelnet I sent a complaint to the Michigan Attroney General Consumer Protection Complaint and XXXX responded with tell her to contact the Default Resoution Group.. XXXX just you mentioning for me to contact that agency violates the Fair Credit Reporting Act for accuracy in reporting on my credit reports I will not be contacting ED Default Resolution Group . 

XXXX your note was terminated XX/XX/2023 for not being done in the federal orginator lender website and other important issues. XXXX remove yourself off my credit reports immediately with in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions 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 XXXX XXXX  XXXX XXXX  Account # XXXX, 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

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 2023-10-27
Company: EQUIFAX, INC.
State: OH
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:
THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX Acct Number XXXX XXXX Date Closed XXXX XXXX XXXX  
THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: OK
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:
I got a copy of my credit report and was shocked to see what was on my credit report. N accordance with the FCRA the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk XXXX XXXX XXXX has violated my rights 15 USC 1681 section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: BANK OZK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am submitting a new complaint because CFPB closed my account without ALL issues being resolved from my bank. I submitted my follow up responses and you all took no regard to them. 

As a result in my account being frozen for no apparent reason I was not able to pay my bills which resulted in disconnections and cancellations. I am now faced with penalties from my creditors, which has caused me and my family emotional distress. My issues were NOT resolved. I reached out to your company for help and ALL my requests werent addressed. 

I am requesting that the bank be held liable for the additional expenses that I incurred as a result of their negligence in placing a freeze on my account. The bank also further informed me that they were not able to conduct an investigation because I waited too late to file a complaint. I NEVER authorized transactions that were debited from my account to be disbursed. A bank representative took upon themselves to distribute funds on 3 separate occasions ( XXXX XXXX, XXXX, and XXXX ) totaling {$11000.00} to my estranged husband, who was not an authorized signer on the account which caused my account to be overdrawn. I was forced to close my business account as a result. 

Once again, I am reaching out to CFPB for your help in holding the bank responsible for not following up with my initial requests - compensation for emotional distress, letters of apology to my creditors and refund ALL overdraft fees that were charged to my account. 

Thanking you in advance for your help in this matter. 

Respectfully Submitted

Company response to consumer: Closed with explanation