BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
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: Deposits and withdrawals

Complaint:
Bank America Accounts Ending XXXX I opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. 

XXXX XX/XX/XXXX I opened a Safety Deposit Box at XXXX XXXX Bank America Branch in XXXX CA. I Deposit my Mother ; Grandmother ; Great Grandmother ; Wedding Ring value {$50000.00} As a Historical Heirlooms 18 Karat Gold ; 1 Carat RubXXXX Stones ; AND 2 Carat Diamonds Cute Wedding Historical Heirlooms from XXXX Era. 

XXXX Covid 19 requires Bank America close 25 % Branches in California downsizing. 
XXXX Covid 19 Pandemic Layoffs Governor XXXX XXXX Ordered stopped Payments 60 days on XXXX XXXX Edd Unemployment benefits due to Massive fraud. 
XXXX Bank America seized my {$3000.00} Certificate of Deposit Account that was linked to My Safety Deposit Box contains Mother 's Historical Heirlooms {$50000.00} 3 Carats Golden Diamond Wedding ring and sold the Ring to State Of California due to no transfer $ XXXX  yearly annual Safety Deposit Box fee from the Covid 19 Seized Certificate Deposit Account linked to Safety Deposit Box with Mother 's Golden Diamond ring {$50000.00} Heirlooms. 

XXXX Covid 19 Bank America closed 25 % Branch in California and XXXX XXXX XXXX XXXX XXXX California where my Safety Deposit Box Mother 's {$50000.00} Golden Diamond Ring Heirlooms. 

Bank America has had my current address since XXXX Opened Current Bank America accounts moving XXXX from XXXX California to XXXX XXXX and Present Residential XXXX XXXX XXXX XXXX CA. 

Bank America never called or notified Any my 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 2022-07-15
Company: Experian Information Solutions Inc.
State: CA
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 asked for an examination of the challenged account, which the Credit Bureaus said was verified, in writing on XX/XX/2022. I used certified mail to get in touch with the data provider for the prior month because I felt they didn't thoroughly investigate my complaint. They were responding in a way that demonstrated my accuracy. Records kept by the credit bureaus demonstrate that it was false. I'm currently filing this complaint in response to the Credit Bureaus ' most recent investigation. I disagree with their conclusions and demand that the account I am contesting be given in its entirety. I am now requesting additional information from the credit bureaus about these specific accounts in question because I am not confident that enough was done to genuinely contact the creditor who is disclosing this information on my report. XXXX XXXX XXXX XXXX : {$650.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: VA
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:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. 
Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 explanation
Consumer complaint received 2021-04-07
Company: Mortgage Research Center, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I established with Veterans United a payment plan in which I pay XXXX of the monthly mortgage due every two weeks. The intent of this plan is to 1 ) pay a portion of principle early each month thereby reducing the overall amount of interest I pay during the course of the mortgage, and 2 ) make one extra mortgage payment per year thereby reducing the term on the mortgage. 

Whereas I expected Veterans United to apply each payment immediately upon receipt, they instead hold as 'inactive ' the first biweekly payment until the second one is received 2 weeks later. At that time, they credit the monthly payment. 

This results in the consumer not getting any benefit from the first biweekly payment whereas Veterans United ensures they get their full interest during the course of the loan despite being in receipt of half the mortgage payment 2 weeks early each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I continue to receive calls from this debt collector to me, all persons listed as references, my employer, colleagues, as well as my family and friends not listed as references, even after sending 2 letters to stop such calls and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions 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:
I have disputed unauthorized inquiries that are appearing on my Experian credit reprt and they have not been removed. I have filed an identity theft report, which I attached a copy here. After filing an Identity theft report, and placing a fraud alert on my credit reports, I am trying to have all fraudulent and erroneous information removed. I would like Experian to remove the following inquiries : -XXXX   on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX of XXXX  on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX XXXX XXXX on XX/XX/XXXX I would also like an updated copy of my credit report sent to my address on file once this information is removed.

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 2022-10-05
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Regional Acceptance Corporation received a check in the amount of {$740.00} and even though there was no writing on the check for " principal only ' XXXX cashed the and applied it to the principal which has made the loan past due and collecting daily interest. I have asked for the payment to be applied properly as the letter enclosed with the check says it is to be applied to the loan as well. 

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
Consumer complaint received 2023-08-11
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX for a XXXX XXXX  my doctor XXXX XXXX, wanted me to do. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX wanted me to do. 
When the result come back almost everything was abnormal on the XXXX XXXX. I contacted a doctor who told mw to go to XXXX. At XXXX  they made new XXXX XXXX XXXX XXXX and everything come out normal. This was 2 days after I receive my test. It cost me money and time. I notice the XXXX  did not put a name tag on the tubes. She was the only one working in the office. 
I do not want to pay for a XXXX XXXX who was not mine. I have only received statement from XXXX XXXX before I received the collection note in the mail. 
I can send the 2 different XXXX XXXX  if you need. 
The first attachment is the wrong/mixed up XXXX XXXX 
The others is from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MI
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:
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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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 was once more a victim of identity theft, so I'm submitting this complaint to ask the credit bureaus to delete the disputed erroneous information that's being recorded on my credit file. I've been writing letters to the credit bureaus on a regular basis, and the letter I sent on XX/XX/2022 was already my third formal request to have material in my credit file that was obtained through identity theft removed. The Credit Bureaus must remove any items as per FCRA 605B ( 15 U.S.C. 1681c-2 ), no later than 4 business days following XX/XX/2022. This report was previously mentioned in one of my complaints, and I'm including it again. Additionally, I have my questions about the accuracy of the information that some agencies provided on some accounts because they were REMOVED from other bureaus and were UNKNOWN to me. The following things need to be taken away : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$7200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. This complaint is a warning to the credit bureaus that I will file a lawsuit if they do not REMOVE the specified items from my report. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus liable for their blatant disregard for the law.

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 2016-02-16
Company: ARS National Services, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A. 
AR.S.XXXX XXXX XXXX Ca XXXX XXXX THIS COMPANYcaims to be XXXX XXXX this account is being paid by chapter XXXX trustee XX/XX/2014 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I'm compliant about Experian because not listings too XXXX XXXX and XXXX XXXX that we both told Experian that there no copy machine Any were in XXXX Kansas and Any were we both looking ever we're in XXXX Kansas and ever elses no copy machine Any were and any places so that what both Are compliant about they won't both of uses personal information to send to Experian but there XXXX we both can copy any things to Experian credit bureaus reports agent there no copy machine Any were that what we both was compliant About Experian needs to understand XXXX XXXX ever since States is difficult then then others states All of the Are not Sames so that what we both are compliant so EXPERIAN has to forget both usrs personal information just go ahead finish both of uses Everyone Deputes about XXXX XXXX XXXX XXXX vehicle loans contacts off without both of uses personal information that they need uses to Sends them so that what we both Are compliant right now so do not ask for XXXX XXXX and XXXX XXXX both personal information no mores just finish both of XXXXXXXX XXXX XXXX XXXX vehicle loans contacts off compliant without both of uses personal information to so that what both of uses are compliant

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 2023-08-11
Company: CCS Financial Services, Inc.
State: DE
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 have made several attempts to get XXXX to investigate several inaccuracies that have not be verified with proof on my consumer report. After the last disputes I made XXXX finally deleted only 3 accounts from my consumer report. I will like further investigation to be done for all disputed items and I will also like remedy in the amount of $ XXXX deleted from report on XXXX due to emotional, mental, and financial hardships this inaccurate reporting has caused me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced XX/XX/XXXX. XX/XX/XXXX company transferred loan. XX/XX/XXXX requested to remove PMI insurance. Mortgage company told me I have to pay {$460.00} for an appraisal. I did. XX/XX/XXXX appraisar arrived we told him we remodeled bathroom he put this in appraisal. We told him we added central air and heat he did not add this in appraisal report. We told him we upgraded plumbing to copper he did not add this in appraisal report. The house directly next to us sold XX/XX/XXXX appraiser did not include this house in comps and it sold highest in neighborhood {$590000.00}. I asked mortgage company to request revision they refused. They told me my loan has to be 2 years and they are not counting origination date. Mortgage company told me Ltv has to be 80.59 % and I came in at 80.45 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate data on my crediit report to clear my file with EXPERIAN. this has been an issue that needs to get resolved asap. my credit report is in bad standing due to inaccurate reporting. please review an remove the listed items to correct my file.

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 2019-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/19 at XXXX AM, my account went negative for a moment, and then it went positive. I was also charged {$140.00} in overdraft fees. My transaction ledger does not my account in the negative AT ALL. I have spoken with their phone support and XXXX  support which have all declined to address the fees. I have screen shots of the charges they state caused the overdraft, but the ledger for those charges still have me a XXXX at time of those charges being processed.

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 2023-08-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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, XXXX XXXX XXXX XX/XX/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

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
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: Public record information inaccurate

Complaint:
I've mailed the Credit Bureau directly due to the inaccuracy of the reporting and validation of 2 public records on my profile. The request to dispute was denied without substantial proof to have this inaccuracy reporting to my credit profile. 

Effective XX/XX/2017, any public record data must include name, address, SSN & DOB in order for it to appear in your credit file. The Credit Bureaus have not updated the information and per the new law, true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation