BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
BANK OF AMERICA XXXX XXXX XXXX : BANK OF AMERICA claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put BANK OF AMERICA on notice. 

I gave BANK OF AMERICA an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/ DEBTOR, aka the legal fiction XXXX, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as collateral to off-set any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. BANK OF AMERICA never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the XXXX signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). 


SECTION XXXX : BANK OF AMERICA has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : XXXX. BANK OF AMERICA admit that I am the original creditor and source of the credit being utilized. 

XXXX. BANK OF AMERICA leave account # XXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

XXXX. BANK OF AMERICA reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. BANK OF AMERICA pay for all fees and fines associated with this matter. 

XXXX. BANK OF AMERICA pays me {>= $1,000,000} in damages. 

XXXX. BANK OF AMERICA is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.

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 2019-08-04
Company: EQUIFAX, INC.
State: NV
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 attempted countless times to correct misinformation on my credit files with Equifax, XXXX  and XXXX. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CAINE & WEINER XXXX INSURANCE XXXX XXXX, XXXX Original Balance {$410.00} Past Due Amount {$360.00} Account is not past due and the company stated they would not place in collections once an agreement was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On Monday, XX/XX/2019 I went to the Citizen 's bank in XXXX, Massachusetts to consolidate a CD, a checking account, and a savings account into an estate account for my deceased ( XX/XX/2019 ) client. I am an XXXX and a successor trustee named in the deceased 's Trust. The bank is telling me I am " not on the bank 's owner of record as a successor trustee '' therefor I can not access any funds now! I have made several deposits and written many checks from the checking account for months, up to XX/XX/2019. My client had XXXX for over one year prior to her death. 

I know the bank is wrong as I have administered many trusts as a successor trustee and never had a problem before. 

I showed a death certificate, an IRS form showing an EIN, and the Trust which the bank had a copy of, and bank statements. 

The person I spoke with had no business card and would not give me his name, " I'm from another branch. ".

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX continues to report inaccurate information to my consumer credit file. This account was fully paid off by my insurance provider due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. By reporting this account inaccurately XXXX is in violation of the FCRA. This account was fully paid off.

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 2018-04-01
Company: DYNAMIC RECOVERY SERVICES, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I Paid What I Owe Them. but They Did Not Remove IT From My Credit Report.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-02
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Received a credit inquiry alert on XXXX XXXX XXXX. Once opened I noticed a new " Hard Inquiry '' on my report. The company used was XXXX, which I also filed a complaint about. WHen I called them they advised that the original inquiry came from Quicken Loans which I never authorized. This is fraud and would like the inquiry removed asap. XXXX advised that QuickenLoans needs to contact them to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Selene Finance LP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
selene finance had me on a trial basis home loan modification, and I paid all the payments on time that was XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, payments of XX/XX/XXXX-XX/XX/XXXX and when I got ready to pay XX/XX/XXXX, they said they couldn't take it because of some letter that they hadn't received, if they took my payments for 3 months over the phone why couldn't someone tell me about a letter that wasn't in my file, in XX/XX/XXXX I talked to a lady named Mrs , XXXX and she saw the letter that I had faxed and called another department and they made up some kind of excuse about the letter, and she no longer works in that department of course, so this pass Thursday a guy from the company calls me and says to sign and fax a letter XX/XX/XXXX and I could pay my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments but of course today I cant get him on the phone and their telling me my loan was not approved again, lies and more lies, they say they sent a letter about an income change and it was not an income change the letter stated that my home was 37 days to foreclosure and I couldn't get a modification ands why, o and the lady that Mrs XXXX talked to about the letter told her to tell me to just resubmit my application for a modification and they would re do it some more lies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to Ally financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to explain that these negative accounts that are showing on my credit file are fraudulent and do not belong to me. I have provided information like police reports showing I'm an identity theft victim. I also have provided this information to XXXX, XXXX, and XXXX  as well. XXXX is the only agency reporting this false information at the time and has been providing me with same result time after time with no paperwork for validation but yet saying that it has been verified. These accounts are showing opened from XX/XX/2014 to the present with amounts from around {$200.00} to {$19000.00}. I would like for these accounts to be removed immediately because they don't belong to me.

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 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a XXXX yr old victim of identity theft. i have on file with transunion a id theft affidavit and ftc complaint. Although the fraudulent accounts were cleared. The inquiries still remain and more have come about.Also transunion had a server error where a ton of inquiries were deleted from customers reports and added back on.Only one thing. They failed to do the procedure lawfully. Lease be an intemediary to make sure to delete all the inquiries that should have been deleted. in the first place. I HAVE NOT APPLIED FOR CREDIT IN THE LAST 10 YEARS!! PLEASE DELETE

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 2017-07-08
Company: SUNTRUST BANKS, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After I graduated from college I could n't afford my loan payments. My original subsidized loan balance was {$32000.00} unpaid interest {$120.00} @ 7 % interest rate current balance as of today is {$73000.00} according to XXXX. My original unsubsidized loan balance was {$30000.00} unpaid interest {$4200.00} @ 7 % interest rate, current loan balance as of today is {$63000.00}. Total loan balance as today = {$140000.00}. How? Why? I 've called several times to tell my lender there is a severe issue with my loan balance. I 've disputed it with all of the credit bureaus. I tried consolidating my loans to lower my payment and get a lower interest rate. I 've called my lender asking why is my balance of my loans so high? I have used forbearance and deferments for years. Finally I tried to file bankruptcy to get an affordable student loan payment. That did n't work. The only good thing that came from that was my Lender contacted me and acted like they were willing to help me get out of default. They lowered my payment for a year, I never missed a payment. They claimed they found a new lender for my loans XXXX XXXX . My payment was {$41.00} initially. XXXX XXXX, 2017 my loan payments went from {$41.00} to {$550.00} on the IBR Plan. I called and tried to see if there were any other options for a lower payment because I have XXXX daughters in college and I ca n't afford the payment. The customer service representative just kept saying there are n't any other options for me with my income and family size because your income has increased. The representatives are so rude and disrespectful, not helpful at all. Terrible attitudes and so unprofessional.

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 2017-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America did not produce a title in a timely fashion resulting in a higher rate of interest on a mortgage loan refinancing. 
We purchased property from the Veterans Administration in XX/XX/XXXX under a land contract. The land contract at the date of purchase was serviced by XXXX XXXX XXXX with an interest rate of 6 %. Years later, the servicing of this loan was transferred to Bank of America. 
We applied for refinancing of this loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX.  We completed and submitted all required documents within the following two months and our request was approved with an interest rate of 4 %. The closing date was set for some time in XXXX. 
The closing did not take place in XXXX. We were then told by XXXX  XXXX XXXX XXXX that we were waiting for a title to be generated by Bank of America and this would take approximately 2-4 weeks. 
After four weeks the Veterans Administration was contacted to ask why we could not get a title for closing and if there was anything the Veterans Administration could do. We were told by the Veterans Administration that Bank of America was responsible for producing a title. 
HUD was also contacted regarding the inability to get a title. HUD recommended that we contact XXXX XXXX of XXXX Michigan. The XXXX XXXX of XXXX Michigan indicated they would investigate the issue. They were no help, citing the XXXX water crisis was taking much of their time. Bank of America never produced a title. 
There was constant communication with XXXX  XXXX XXXX XXXX as they continued their effort to get a title. In XX/XX/XXXX, Bank of America transferred the servicing of the loan to XXXX XXXX. XXXX indicated that they would produce the title. 
XXXX XXXX XXXX XXXX then indicated that the process had to start over. We again completed documents and was told it was approved with an interest rate of 4.6 %. Shortly thereafter XXXX XXXX XXXX XXXX indicated that if a {$1500.00} tax bill were paid we could get the loan for 4.3 %. Money was borrowed to pay the bill. The closing took place with an interest rate of 4.3 %.

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 2020-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
PRA RECEIVEABLES MANAGEMENT, LLC FAILED TO REPORT A DISPUTED DEBT TO THE CREDIT BUREAUS INCLUDING PAYMENT HISTORY FROM ORIGINATION THAT ARE CURRENT. UNDER FDCPA SECTION 807 ( 8 ) THIS IS A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a call today from phone number XXXX stating that I am in trouble and that I will be arrested soon at my job or at my home and that I needed to call a phone number and give a case number to find out the details of why I was going to be arrested. The telephone number that they gave me was XXXX with the case number of XXXX. Soon after this I received a phone call from my mother stating that they called her and stated that I was going to be arrested soon or sued in court and that I needed to call the same number back. I called and found out that it was Ace Cash Express calling because of a loan I took in 2018. The woman on the phone stated that although my original total debt was XXXX, I now owe more than {$1400.00}. She said that they were coming to my job to arrest me today and that I am being sued for the amount of {$1400.00}. After I told her that what they were doing was against the law she told me that she could do it because of my original loan agreement and that if I didn't pay it then I will be in jail soon and then she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
I do not have a signed contract nor any contract with Sherman Financial Group. I have never done business with this company. I am not Liable for collection for this debt from XXXX XXXX XXXX. I am not responsible for this debt with Sherman Financial Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to XXXX as well as Experian. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX three different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for XXXX and Experian. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I went online to the Quick Silver Capital One web to pay my account in full. The options were 1. pay the amount due 2. pay another amount 3. pay the full amount. I chose the option to pay the full amount, which was {$3400.00} that was paid through my bank account. The bill was not due until XX/XX/2020. Today I received a bill for {$49.00}. I called Capital One and was told this was interest accrued but was told repeatedly the {$49.00} was interest. Ultimately the concern is this company can repeatedly add additional interest accrued, Capital One is demonstrating Long Shark characteristics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-07
Company: EQUIFAX, INC.
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting false information regarding an alleged account they claim I gave permission to set up. The Customer Name listed at the top of the Service Agreement is not how I spell my name. This Service Agreement was signed on XX/XX/XXXX, however the signature on this Service Agreement is not my signature. This is not a valid contract. I did NOT sign this document. It was signed fraudulently. I never gave permission to open this account, nor requested an account be setup with XXXX. Consequently, this account has been sent to Enhanced Recovery Company for collection. Please see the attached letter dated XX/XX/XXXX from ERC regarding the XXXX Account XXXX. This negative reporting will hurt my credit score and I do not want this item to be falsely reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief