BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached Bank of America documents. In XX/XX/2015, XXXX XXXX attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX XXXX counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including Bank of America, NA, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition XXXX demanded I give alternate property to the sheriff and therefore I was Denied. At that point, XXXX was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said XXXX 's XXXX " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from Bank of America and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank 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 explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX. 

Account name : 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 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 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 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 explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my 8th 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. 
XXXXXXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The same debt was being reported by 2 different companies one which has been removed the other is still showing reflecting on my credit report with a XXXX balance.

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 2015-10-25
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
GC Collection services calls me about XXXX times each day. According to the online research I 've done, they harass even people who have no outstanding debt. This is exactly the case with me : I have no late payments, and have never had. I want this bullying to stop : internet is full of stories of their harassment victims. Feel free to contact me : XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: Applied Data Finance, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I can not remember how I heard about XXXX. I applied for a {$3900.00} loan back in XX/XX/2017 not realizing until the other day just how much the interest rate and finance charges I am paying to them. I borrowed {$3900.00} and the total amount I will have paid back is {$12000.00}. I was in total shock. I am paying {$150.00} per pay period. I know in ignorance I did this to myself but is there a law against someone charging 98.23 % annual percentage rate. This is such an awful rip off. Please advise if there is anything that can be done about this.

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 2021-06-13
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Signed up for the {XXXX} statement credit prom, after paying for a XXXX XXXX XXXX XXXX, using the discover credit card. 

Never received the XXXX} back at the end of the promo. Tried calling around XXXX, the rep told me I needed to make purchases using my credit card for 2 billing cycles, I did it. Called again today ( XX/XX/2021 ) - Supervisor said that all {XXXX} credits were issued by XXXX. If I didn't receive it, it means I didn't meet all promo requirements - She couldn't give me much more specifics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports XXXX, XXXX, TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

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 2023-04-18
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have now received 5 phone calls from XXXX XXXX at ( XXXX ) XXXX They stated their address is XXXX XXXX XXXX XXXX, PA XXXX They told me multiple times they are trying to collet a debt, but i have no debt or outstanding bills. They refuse to tell me how they got my number or who the person they are trying to call. This is very frustrating since I worked hard to pay my bills and I pay them on time. I have checked XXXX XXXX and all three credit reporting services and no debt or credit shows any issues. 

This needs to stop and stop now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2018-12-12
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with FBC Mortgage , LLC as the preferred lender for XXXX XXXX. My contract with XXXX XXXX has a contingency clause regarding financing since they do not do contingency based on the sale of my current home. My loan is conditionally approved with a substantial down payment of almost 80K which is to come from the proceeds of selling my current home. I was never approved or qualified for the full purchase price of the new home. I have not found a buyer for my house and XXXX XXXX stated that per the conditions and terms of my contract, I have to close on this home this month. I requested a letter from XXXX XXXX with FBC Mortgage stating that I can not close due to financing and the lack of the down payment required as a condition of my loan. He has refused to give this to me and stated I needed to work it out with XXXX XXXX. Now I am being told that since I have a conditional approval, this voids the financing contingency. I have a {$5000.00} deposit that I want returned. XXXX XXXX did not put this money in an Escrow account and I was strongly discouraged from doing this because " they never keep anyone 's deposit ''. I feel like there is collusion between the builder and the FBC Mortgage and the lender is not acting in my best interest. They have encouraged me to rent my house, get someone to sign as co-borrower, etc. This is encouraging high risk financing & I feel like in light of the mortgage collapse back in 2008, this should not be done. I am being bullied by the mortgage company and the builder to continue this contract. I just want to invoke my cancellation due to financing ; however, FBC is partially owned by XXXX XXXX  so I am not able to get this documentation. I feel other consumers should be warned about the unfair practices of this mortgage company and builder. I would never have signed a contract with a company that would use a conditional approval as a means to keep my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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:
Based on, 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 as soon as possible!

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 reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may fumish 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 of my consumer report which violates mas nights as a federal protected consumer NO CONSENI IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed 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 2023-04-18
Company: CITIBANK, N.A.
State: FL
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 have disputed a charge with my Citi card for the amount of {$34.00} with XXXX XXXX XXXX, on XXXX  Citibank closed the dispute XX/XX/XXXX siding with the merchant after receiving a response with just a copy of the order details but not really explaining anything about the reason of my dispute which is about a defective product for which I contact the merchant first but they ignored me. After closing the dispute, I signed the letter sent by Citibank as well as copy of the email exchange between myself and the merchant where they deny any fault with the item even when it is faulty, but still Citibank refused says they have not received any further information.

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 2023-09-14
Company: Experian Information Solutions 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received three separate emails that I opened a checking account with Bank of America. I never opened an account and do not have one.

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 2023-07-04
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with a representative with this company on XX/XX/2023 regarding this account. I informed the representative that I never had a debt with them. Ther representative informed me that I did have a debt with them and I matter well pay it or it would continue to damage my credit if I didn't pay up. I informed the representative to send me a signed contract that I signed with them. The representative said no that will not be happening.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently obtained a copy of my credit report. Macy department Stores continously are choosing not to respond to me. This company is violating my rights as according to the Fair Debt Collection Practices Act ( FDCPA ). Also this company is in violation according to 15 USC 1692.

15 USC 1692b ( 2 ) saying that I owe this alleged debt is an violation 15 usc 1692b 15usc 1692c ( C ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692d harassing me harming my reputation and continuously advertising this debt.

15 USC 1692e 15 USC 1692f These are the violations that this company have violated.

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 2022-10-02
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX # XXXX has violated my consumer rights. 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy

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 2021-01-14
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a no contract gym memebrship. 

All gyms were closesed due to covid 19. Plus it was not safe enough. Gym was closed for 3 4 months and reopened with limited capacity. I couldnt go in. Lost 3 family memebers to covid. Called the gym and told them that to cancel the service and refund money they said they will but never did. They also agreed to cancel the account but now after 8 month they sed it to collection affe ting my credit. I called collection and the gym but they want me to make a credit dispute with the beareus. I want this off my account and all charges withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX  XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX  Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks

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