BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are in need of funds for college education for our daughter and a few projects we would like to do for home improvement. We met with a Bank customer service agent in Bank of America XXXX XXXX, MA main branch and were told our best option was a HELOC. We were put in touch with XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX. She took our application the XXXX week of XXXX, XXXX  and felt things would go well. We added my wife to the application and we were declined because of a delinquency on her credit. XXXX then asked if it would be better to resubmit and the loan officer/underwriter she spoke with said that it would be much better if I submitted by myself. That based on everything I would have no problem getting approved. I was declined again but this time due to home value to loan balance ratios. This is something that the underwriters should have known up front, the ratio requirements are very clear cut. They should have not encouraged the application. I would have looked at other areas such as parent student loan or a Parent Plus loan. With the volatility in the market due to the time I waited ( 2+ weeks ) not looking at alternatives, rates have gone up on these other loans and I missed an opportunity to lock a lower rate and save some money. These type of incompetent banking practices at this level of the institution ( I assume fairly senior staff who have experience in these types of things ). XXXX has also filed a complaint on my behalf internally and with her manager. I have no complaint with XXXX for the record. While I probably can not change anything on the loan decision, Bank of America, who I have banked with for over 20 years, should at least acknowledge their error and apologize.

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 2023-01-31
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint Mortgage Servicing Corporation bought our loan in the fall of XXXX. They did an escrow analysis in Mid XXXX and raised our monthly payment by over {$600.00}, all of this without notification. When our bill came for XXXX we called and requested a copy of the escrow analysis that they claim was sent to us, it was not. They said they would look into it and make any corrections in 3 business days. When we got the analysis emailed the next day we found out they double charged us for school taxes and did not charge us for local. We called back after 3 business days and were told they corrected the taxes but no one ran another analysis so our payment would be the same for the month and to pay the elevated amount. We asked them to run it and send us proof, representative said they would. After another phone call several days later this issue is still not solved. We have requested an escrow analysis several times to correct our taxes that Roundpoint messed up. Our local taxes are due in XXXX and as of right now Roundpoint has not admitted they charged us twice for school taxes despite their escrow analysis proving they did. 

First phone call was XX/XX/XXXX requesting the escrow analysis that they did not send us that showed their mistake charging us twice for school taxes. 

Second phone call was XX/XX/XXXX asking for an update and being told they would run another escrow analysis to correct the problem. They blamed the township for not charging us local taxes, but township denied this. 

Third phone call XX/XX/XXXX requesting an update. Roundpoint again said they havent run it yet but can do it today.

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 2023-05-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXXXXXX XXXX  has an open amount on my credit report exceeding {$20000.00} from ... ... XXXX 

This is over 8 years aging and should be off any credit report. This should not damage my credit standing after 8 years. 

Of note : I do not recognize this account. Therefore, I am requesting original documentation with my signature on an application for this credit card. I do believe that this is an exorbitant amount of debt for a working woman 's credit card. I really do not believe my income alone would allow a substantial credit line. If the owed amount is over {$20000.00} ... ..how much was the original credit card! 

This account has a date of XX/XX/2015 ... ..over 8 years ago. This should not be available nor on my credit report at this time, even, IF this were my credit card. 

I really don't have confidence in this nation 's credit reporting as there are voluminous errors in credit reporting as is. However, I do request this be removed from my credit report due to the question of validity ( I was the victim of identity theft ) and the aging of this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: FL
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 SEND A LETTER TO EACH CREDIT BUREAU BY USPS ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; XXXX # XXXX, EXPERIAN # XXXX AND XXXX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.

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 2022-05-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The agency hired by HSBC continues to harass me about a debt that was discharged in bankruptcy in XXXX XXXX XXXX 

The recovery agency is XXXXXXXX XXXX. They are KNOWINGLY attempting to collect a debt after discharge and that's against the law. 

I have referred them to my attorney and we are collecting the information about every contact. He said we should have several contact noted over several months before we sue. Can't wait until we meet that threshold! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Byrider Franchising, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had got a car from Jd by Ryder and the company that handles the loan is CNAC, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. CNAC has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX XXXX  XXXX, and that I Voluntarily surrendered it in XXXX XXXX  XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX XXXX  XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX XXXX  XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. CNAC has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also CNAC is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, XXXX, XXXX and XXXX but of course CNAC is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-02-11
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have new information regarding CFPB complaint # : XXXX The response that was giving from this company provided me a contact number of XXXX XXXX XXXX XXXX XXXX. I called this person XX/XX/2022 with no answer. I also left a voicemail. My call still havent been returned. On XX/XX/2022 I sent this company a invoice and my affidavit of truth. Tracking # XXXX for violation my consumer rights. It was received and return receipt was signed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit 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:
On XX/XX/2023 thru auto pay, {$78.00} was deducted from my personal checking account. 

On XX/XX/2023 the same amount {$78.00} was again deducted from my personal bank account. 

On XX/XX/2023 i contact the XXXX company about the issue and they said a credit would be issued to my home bank within XXXX business days. 
A credit was issued on my credit card bill but no credit came to my checking account. 

On XX/XX/2023 i again contacted the credit card company. They stated the check sent to my bank had been returned to the XXXX company because they used an incorrect routing number. They took my correct routing number over the phone and that a new check would be issued immediately. Credit never received at my bank. 

On XXXX XXXXXX/XX/XXXX at XXXX am Central time i called again .Speaking to XXXX XXXX XXXX XXXX XXXX He researched to problem and brought in his XXXX to assist. They did not have an answer for the delay. XXXX said the XXXX would solve the problem issue an epeidited refund to my bank saying i could expect the credit within XXXX hours. 

Today XXXX XXXXXX/XX/2023 i still have not received the credit to my checking account. 
Thus i am making this complaint to 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 monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX XXXX. Please delete ASAP.

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 2023-11-15
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX, XXXX NJ, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Inquiries to be deleted listed below : XXXX XXXX Account Open Date : XX/XX/XXXX XXXXXXXX Account XXXX Date : XX/XX/ XXXX XXXX XXXX Account Open Date : XXXX XXXX XXXX XXXXXXXX

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 2019-06-25
Company: EQUIFAX, INC.
State: GA
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 requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXXXXXX XXXX XXXX. I  received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " Equifax XXXX XXXX XXXX and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them. I implore you to take immediate action to remove these records and update my credit report accordingly. This situation is causing me significant distress, and I kindly request your prompt resolution.

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 2022-05-23
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: OH
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:
New debt has shown up on my credit report that is a flat-out lie. Equifax has reported that I owe XXXX XXXX {$370.00} and the debt collector is a company called XXXXXXXX XXXX XXXXXXXX. I find that hard to believe when I actually have documentation directly from XXXX showing this balance is PAID IN FULL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 XXXX XXXX  - I received ( and still have ) text messages that I had successfully added and removed payees on my Wells Fargo XXXX account. I wasn't doing any of that. I was on the phone with fraud department while the transaction was still happening, telling them I was not participating. The fraudulent person took the maximum amount they could as it was the first time they were taking money from me. At the time, XXXX had a requirement that the first 3 times you send money, the max you can send is {$500.00}. Wells Fargo conducted their investigation and determined that I had added the thief and because I accepted the XXXX, it was my responsibility. They said I gave the money and actively participated in the transaction. 

I NEVER added those persons to my account, I NEVER authorized the transfer and immediately shut down that checking account to open a new one and have never, nor will I ever, use XXXX again. Even if I do get my money back, I will never use that service again. 

This was not a case of someone tricking me into sending them money. I never spoke to the thieves, I never interacted with them in any way shape or form. I am certain the IP addresses would confirm that but that seems to be too difficult a task for anyone to undertake. 

I lost {$500.00} and I am obviously, still mad about it. A part of me still suspects XXXX coders are somehow responsible.

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