BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have an unemployment claim through the state of Nevada. Nevada pays weekly claims into an account ran by Bank of America who also provides a debit card. On XX/XX/2021 I attempted to login into my account in order to transfer money to pay upcoming monthly bills and rent. Upon logging in I was told my account was frozen and to call BofA customer service.

When I called BofA customer service they gave me no information in regards to why I could not access my funds and told me to contact my " sponsor '' which would be the State of Nevada. When I finally got through to Nevada I was told they did not initiate any kind of freeze and was then informed BofA is taking it upon themselves to freeze accounts. Nevada DETR requested that I send in some documentation for identity verification purposes and they would begin the process of getting BofA to unfreeze my account. 

On XX/XX/XXXX I called BofA customer service again to try and understand why they froze my account, and ask if there was any fraud detected, and if so why wasn't I notified. They again provided no information but to tell me to " contact my sponsor ''. They refuse to help me resolve this issue. I believe BofA are withholding my unemployment compensation in bad faith.

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 2019-11-17
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was living in XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX TX XXXX. 
I moved out of XXXX XXXX XXXX  on XX/XX/2019. I received a letter that was mailed on XX/XX/2019 stating I owe money for last month utilities, cleaning, and damages with the total being XXXX. With XXXX being from water for the partial month I have never had a full month over XXXX. The letter stated I had 30 days to pay before it was sent to a collection agency. The letter did not give a way to pay and had xxx-xxx-xxxx for a number to call instead of an actual number. I tried calling the number listed on XXXX multiple times and was told I had to talk to XXXX but every time I called XXXX was not there and she would not return my calls. On XX/XX/XXXX I was told to send a money order for amount owed I sent money order certified mail that day. On XX/XX/2019 I was contacted by a collection agency saying I owed over 1000.00 from the same apartment. The collection agency name is Rent Recovery Solutions with their office in XXXX, Goergia. It has been less than 30 days, I have tried contacting them, the letter gave me no way to pay. I sent a money order on XX/XX/XXXX using certified mail. But the collection agency is saying I still owe money. I paid in full the bill I was sent within the 30 day time frame. I do not want this to effect my credit score since I paid off the debt in the allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, 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 applied for an XXXX credit card today XX/XX/20 and I was not approved because apparently there are some accounts reflecting badly on my credit report. I looked into those accounts more and I realized that those accounts are not mine. I did not open any of them and I have never shared my personal information with anyone such as my ID, social security number or anything else. I did not benefit anything from these accounts nor did I make any payments towards any of that debt. I have never had any account/loan with any of the companies listed on this report. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, 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:
These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Was not aware that I missed payment for two months at the time. I had 10 credit cards. Tried to work with them but they wouldnt take of delinquency so I closed card after paying balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home equity loan from US Bank on XX/XX/XXXX on my primary residence at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided all of the documentation and received a written confirmation based on DTI that i qualified for {$280000.00} pending the appraisal. Although I believe US Bank eventually denied my home equity loan in order to " steer '' me to refinance my primary loan at a higher more profitable rate for them, I'm not filing a complaint about that at this time. I am filing a complaint regarding the appraiser used by US Bank and the appraisal process in general. As you can see, I've filed a previous complaint a few years ago regarding the appraisal process. They've now exhibited a trend in how they instruct their appraisers to appraise properties or they are using incompetent appraisers. It would seem that you now have two appraisers doing the same thing that it's likely the instructions given to the appraisers by US Bank. Both appraisers two years apart came in 6.5 % below the market value ( {>= $1,000,000} versus market value of {>= $1,000,000} for this current one ; {>= $1,000,000} versus market value of {>= $1,000,000} two years ago ) of the property which seems odd that the percentage would be the same. The appraiser two years ago left off a room with enough square footage to come in at the value the bank wanted. I didn't realize it until i went back and looked at it. This appraiser used comps from a different zip code in an area that had houses built prior to the 1994 XXXX earthquake in order to bring the value in at what the bank wanted to lend. Either the bank is instructing the appraisers or they are incompetent.

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I was affected by trans-union credit inquiry issue and now my credit report is showing hard credit inquires that aren't mine. Please see the inquires listed below that do not belong to me. 

XXXX XXXX XXXX XXXXXXXX XXXX  Can you please look into them removing this false information that is affecting my creditworthiness. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We closed on our home XX/XX/XXXX with a perfect payment history even with my husband losing his ability to work due to his health. Then in XXXX of XXXX came Hurricane Irma which caused a financial hardship and a trickle down effect. We live in a very strict HOA and had to take care of trees and shrubs immediately. This along with the care of my husband took a huge toll on us, he did not have medical Insurance until XXXX of this year so everything was coming out of our pocket. When things calmed down from the hurricane we called our mortgage company PHH MORTGAGE and ask for help, they offered us three options one being A FORBEARANCE, A REFINANCE, OR A LOAN MODIFICATION. We ask PHH MORTGAGE to put everything behind on the back of the loan which the said they would do. We received a new coupon book with a lower payment that was to include PITI our payment was to start XX/XX/XXXX in the amount {$980.00} for XXXX, XXXX & XXXX then we had a 30 day grace for XXXX with a new modification and new payment of {$920.00} everything included. No mention of any shortage during the whole process of modification. PHH MORTGAGE contacted us after the closing documents were signed and said they now needed more money for escrow and taxes. A REAL ESTATE ADVISOR highly recommended that we investigate our mortgage due to the thousands of illegal loans and modifications done by PHH MORTGAGE where they did not follow Service Rules and they are still under indictment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, I went into a XXXX in XXXX, TN to inquire about the rates of a title loan. The customer service rep showed me that the interest rate would be 23.98 % and showed me a printed guide on how much I would be paying down every month. She really encouraged me to do the monthly option and the guide showed how much the principal would be going down with each payment. 

After I made my first payment of {$580.00} on time, I noticed the principal did not go down at all and actually increased. I looked at the statement and saw where there is a customary fee of 127.75 % APR added to the 23.98 % per billing cycle. This customary fee was not explained to me and she showed me a payback guide that had the principal going down every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I filed a complaint with your organization XX/XX/XXXX complaint number XXXX about Transworld Systems Inc. they responded back on XX/XX/XXXX. If you will take a look at my complaint and their response you will see that again they are not addressing my issue. My issue is two bills one for the amount of {$430.00} and the other for the amount of {$590.00}. In their response to my complaint they sent a list of which they stated they have a bill for {$590.00} three times. They also stated that I could contact the hospitals in question, which I had before filing the previous complaint and which I did once I received their response. I took this information to the hospitals in question and again they could not locate these bills with the information provided. As I stated in my previous complaint I think there was only one bill that they have constantly duplicated. The bill for {$590.00} was on my credit report owed for the XXXX as well as XXXX. I now notice the bill for XXXX has been removed. I also have documents where the bills were added in XXXX and then removed. I contact Transworld sytems on XX/XX/XXXX XXXX @ XXXX and spoke with a representative who stated his name was XXXX . I explained to him why I was calling and he immediately switched me to a supervise who stated his name XXXX. Again I explained to XXXX why I was calling told him no one seems to have this bill except his company and could I get a copy of the bill so that I could get it handle. I've requested this from his company before filing my original complaint but never received it I also stated in my original complaint that receiving this information could probably bring this matter to a close. XXXX put me on hold and upon his return he wanted to discuss a bill he claim he had for {$620.00} which I have no knowledge of but I told him to send me a copy of that bill as well. He also stayed he had a bill {$590.00} from XXXX again, here we go another year. I stated fine send that as well. In closing he lead me to believe that he was only requesting a copy of the bill for {$620.00} which was quite irritating to me and a waste of his and my time since for some reason his company refuse to produce the requested copies. I have never gotten a bill or collection notice for either of these bill which I stated in my original complaint. I know I have other avenues available to me but I'm again hoping your organization can bring me closure. Again I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dear officer, This is XXXX, my family is a victim of wire transfer fraud on Monday XX/XX/XXXX ( {$120000.00} ). The fraud wire transfer was on Monday morning XX/XX/XXXX around XXXX. We discovered the fraud on Wednesday XXXX around XXXX XX/XX/XXXX. The name and the account number do not match in the wire transfer. However, Bank of America ( which holds the fraud account ) still released the fund to fraud account on the same day of the wire. Bank of America didn't hold the funds before they got more information about the transfer. Even though the fraud account is a newly opened account, Bank of America still released such big amount of money to the fraud account. Please help us!! 

Fraud Recipient name : XXXX XXXX XXXX XXXX Fraud Recipient Bank XXXX Bank of America Fraud Recipient Account Number : XXXX My name : XXXX Sender 's bank : XXXX XXXX , New York Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-08-11
Company: Ditech Financial LLC
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: Public record information inaccurate

Complaint:
XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. Ditech buys mortgage in XX/XX/XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & Ditech accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake Ditech refuses to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 a closed credit card on my XXXX credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with XXXX but have not been successful. I really need and would appreciate some help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: AMERICAN HONDA FINANCE CORP
State: IL
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:
Open account on my credit report for which I am not responsible. 

Sent letter to American Honda Finance dispute center to have this resolved but have not heard back nor has my account been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: PA
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:
A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act

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