BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX the IRS deposited my XXXX tax return into my Bank of America account that was supposed to be closed since XX/XX/XXXX. When I contacted them in reference to my deposit they informed me it would be XXXX days before I receive a cashier check. However I was confused as to why the deposit was accepted when my account was supposedly closed. I spent days talking to different departments about what the issue could be. First it was fees owed, then it was open claims, the list goes on. The entire month of XXXX from the XXXX I was told once the fees were cleared the account would close and Id receive my funds. Its a month later and my account is still not closed, theyve debited my account for the fees they claim I owed and I still have yet to have access to my funds or receive a cashiers check. Im currently going through a hardship where Im at the closing process for my first home for me and my children and Im currently pregnant. Ive stressed to them over and over the mental and emotional trauma this is causing. That money, my money is for my down payment and Im only allowed so many extensions before the sellers go with another buyer. Ive filed and requested the hardship request with Bank of America to go in and withdraw my funds and it was denied. Ive been with them XXXX I dont understand why this is happening.

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 monetary relief
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I currently making mortgage payments through XXXX XXXX XXXX. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.

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 2021-03-11
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although Americollect has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the XXXX major credit bureaus and it was removed from XXXX and XXXX but not XXXX. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to Americollect to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing Americollect can do. When I also reached out to Americollect via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked Americollect since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from Americollect. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and Americollect. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against Americollect and the provider, I want this collection removed ... immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Financial institution wont provide account balance or information to the account holder

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 2021-03-10
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
As of XX/XX/XXXX prior to XXXX shutdown I cancelled my services due to moving. I received a final bill from XXXX with a final bill ending date of XX/XX/XXXX. I have no agreement with XXXX after XX/XX/XXXX. 
I had a credit as of XX/XX/XXXX in amount of {$91.00}. 
I received a bill from XXXX in XXXX and contacted XXXX immediately. It was determined after I chatted online with agent ( I am providing a copy of the chat I saved ) and speaking with a supervisor afterwards I DID NOT owe anything. XXXX XXXXontinued to bill me for a closed account. 
I provided Experian my proof immediately XXXX Last Billing statement ) on XX/XX/XXXX when I was alerted something negative posted to my account dropping my XXXX XXXX XXXX points!!!! 
I do not believe Experian honestly " investigate '' and looked at my proof. If they did the collections should have been removed immediately. 
Instead Experian updated the account having collections still on my account and reporting late charges for something I do not owe and is ruining my Good credit As of this date XX/XX/XXXX XXXX XXXX XXXX continues to inaccurately report information on my credit report. The reported alleged debt owed is inaccurate per my proof I am providing. I do not have any agreements or terms with XXXX XXXX Services nor XXXX. Nor have I heard of them prior to having an inaccurate collections placed on my report.

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Incorrect information furnished. Attached is documents showing issues.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.

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 2021-03-10
Company: EQUIFAX, INC.
State: VA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX 3. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) 5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For XXXX my partner ( XXXX XXXX ) bought me four pair of pants from XXXX of which I returned three pair. The first bill received was for all XXXX pair. I did not pay this promptly because I knew there was a credit coming. The next bill I received had the credit but also a late charge. The amount I paid on this bill was {$40.00} which was {$9.00} for the one pair of pants {$9.00} freight {$17.00} additional freight and {$2.00} additional charges. The amount of freight and additional charges should be enough for a complaint! But they are still charging me for the late charge and every month is adding late charges on the late charge! After calling XXXX directly they directed me to Comenity Capital Bank where they have turned over the account for collection. On XXXX XXXX I sent a letter to Comenity Bank explaining why I did not owe the amount stated and on XXXX XXXX they declined to cancel the amount owed. It is now up to {$160.00}! This amount is just for finance charges as I mentioned above I had already paid {$40.00}. This is the most expensive pair of pants I have ever owned and wil never, ever by from XXXX again. Please help me resolve this issue. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX 2020 PayPal - negative {$1400.00} XX/XX/XXXX Transfer P PayPal - negative {$1400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/XXXX Transfer Paid with Balance {$1400.00} Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XXXX XXXX, 2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Full First name is XXXX XXXXXXXX XXXX and my Last Name ' XXXX XXXX So my total Full name is " XXXX XXXX XXXX '' as per state government-issued ID. I have got my credit report from XXXX when I first looked at it showed me my name as 15 names. The same name is shown on the XXXX report in different ways wrongly. 


XXXX XXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Name ID # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Starting XX/XX/XXXX thru XX/XX/XXXX my Social Security deposits were re-routed into an account in the name of XXXX XXXX. When I discovered that my funds were missing, I both telephoned and went to the Social Security office. I went there and to Bank of America on numerous occasions to try to resolve this. An alert was put onto my checking account and my Social Security account. It was very difficult to get any information about what happened. The fraud department at the bank wouldn't talk to the bank manager or myself as we were not the account holders-even though he was a criminal and other people 's checks were also being stolen by him. His account was closed but nothing was said as to how to get my money back. I filed a police report with the XXXX XXXX Sheriff 's department. Detective XXXX was able to locate XXXX XXXX in Georgia but the Georgia police were uncooperative in helping to apprehend him. Detective XXXX also filed a report with the Office of the Inspector General/Social Security. It has been a long time since this all started and I am at a loss as to what to do next to try to resolve this. It is over {$12000.00} and almost two years since it all started. I felt filing a complaint against the bank would be the next best step.

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 2023-08-29
Company: EQUIFAX, INC.
State: NC
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. 

XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX  # XXXX 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
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 received an adverse action from XXXX XXXX XXXX  stating that XXXX XXXX XXXX provided on my person I have no contract with them and would love to receive compensation before I sue them for violation of 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Better Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage and locked my rate on XX/XX/XXXX. I have been stuck since at least XX/XX/XXXX. I was told " We are waiting for one final item to be provided by title and the loan will go to closing. '' I've asked my loan officer multiple times on what the status and issue are, only to be told they are waiting for the title company. My rate is locked until XXXX XXXX, XXXX   so less than 3 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-03-10
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hello, This is a formal complaint against Grant and Weber. The debt collection of {$530.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the 1st for the past 6 months to ask to please stop calling other people around me. I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Grant and Weber has continued to get information from a third party for me to pay the debt. Violating their privacy and others. Under the Hippa law protection, Grant and Weber has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Grant and Weber has violated laws in trying to collect a debt. They have broken the rules when trying to collect a debt.

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