BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 I received an alert on my XXXX stating I added an authorized user on my Bank of America, BAO, mobile banking app. I then saw that {$6300.00} was transferred out of my savings account. I immediately called the bank and reported the fraudulent activity. They opened a claim. Claim # XXXX. 

On XX/XX/18, BAO sent me an email stating they denied my claim because the transaction came from a device I had been using to login and I authorized the transfer. They asked to have my IT department do a scan and if a virus was found that they could write a letter stating their findings. My work computer had a virus on it and I sent the requested letter. After a few weeks BAO called me and told me that my claim was denied again because the fraudulent activity came from my XXXX and I authorized the transaction. 

I contacted my mobile service provider, XXXX XXXX, to see if they could scan my phone and provide a letter of their findings. XXXX stated they do not have the capability to scan phones. 

I did not authorize this transaction. 

I filed a police report with XXXX, MA police department on XX/XX/18, Report # XXXX. 

I contacted the bank one last time and told them what XXXX said regarding phone scans. BAO said they would not reopen/honor my claim.

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 2020-06-01
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter in mail about owing a debt that I have no idea where is coming from. 
It was on the date XX/XX/2022 In the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NY
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-02-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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 paid {$140.00} minimum monthly payment on XX/XX/XXXX and {$270.00} on XX/XX/XXXX. 
-- -- -- -- -- -- -- -- -- - My minimum payment is {$140.00}. 
I requested the extra payment of {$270.00} be applied to the promotion that has a balance of {$510.00}. 
PLEASE APPLY BOTH PAYMENTS TO MY ACCOUNT TODAY. 
-- -- -- -- -- -- -- -- -- -- After both payments are applied, then the promotion with a balance of {$510.00} should have {$44.00} from the monthly payment & {$270.00} from the extra payment. 
-- -- -- -- -- -- -- -- -- -- - The new balance should be {$190.00} for the promotion that ends XX/XX/2019. The credit card company says I have to wait 2 months for these payment to be applied. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- I need this applied to my account now as I should not have to wait 2 months for payments to be applied. That is insane and I do not believe past payments were applied correctly during the wait. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Whenever I wait 2 months the payments are never applied correctly and then I get a late payment notice reported to credit bureau. 
-- -- -- -- -- -- -- -- - This card company does not like the promotions to be paid off early.

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 2020-05-20
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX {$500.00} XXXX  XXXX {$13000.00}

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX {$6500.00} XXXX XXXX {$500.00} XXXX   XXXX {$13000.00}

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 2022-12-15
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: Personal information incorrect

Complaint:
I have mailed a letter to experian information services to update my current address and remove all other address on my report because they are not accurate. I have submitted information to verify my identity and my current and accurate address. Experian has notified me that they can not remove any addresses.

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 2020-09-04
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
I requested information on my credit report to be verified and they never got back to me and it's been well over 30 days.

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 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good afternoon, I have been trying to resolve my foreclosure issue with Bank of America, since XXXX of last year. They have been continually misguiding me and, as of recently, flat out lying to me. 

I have submitted numerous documentation, numerous times. I have been dealing with XXXX XXXX - single-point-of-contact - and also his manager XXXX XXXX. Neither of these individuals have been honest or even helpful with me whatsoever! 

On the XXXX on XXXX, I was asked to submit a signed XXXX  XXXX form ( which I already did ( and letters of employment for my fiance. When I called to follow up on this, on the XXXX, XXXX XXXX informed me that the XXXX form did not have a signature. This is a flat out li I am resubmitting the requested documents again today, but I need your assistance with them. 

Another very egregious act on behalf of Bank of America they are Dual Tracking my foreclosure. My file was sent to Underwriting, reviewed and labeled 'Complete, ' on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, Bank of America went to court and filed a Motion for Sale. I've done a little research on this. Please assist with this 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 2019-03-11
Company: Sherloq Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm a XXXX patient and am getting daily calls from this debt collector for medical bills. I explained to them that I'm still unable to work, am not collecting XXXX and have no income at this time. 

I also told them that I was willing to honor the debt as soon as I get well and back to work. 

I get a call from this company every day even through I have blocked their number on my phone they leave a message EVERY DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: BROKER SOLUTIONS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
They surprised me with a closing cost immediately after a closing disclosure showing no closing costs and then they totally abandoned me and won't contact me back to say where to pay it this surprise charge to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX XXXX XXXX now it 's NAVIENT Amount taking out in XX/XX/XXXX was {$5800.00} Amount now in XX/XX/XXXX is {$5200.00} Plus accrued interest each month {$50.00} Interest rate XXXX Pay in so far {$11000.00} Auto pay month payment {$110.00} I keep contracting them try to understand why this loan keep changing and not being pay off. It 's been 14years. They told me it wo n't be pay off until XX/XX/XXXX. They continue to change the monthly fee. They said it was a 48 month loan. When I spoke with them today it was 189 month loan. So I ask once again for the paperwork on this and it will take 2 weeks found it and send it out if they have it. They will put in a request for the paperwork and payment history. I have ask several time to send me a payment history. They said they would and I still have n't seen it. I keep talking to them but its going know were. I get lots of excuses. It 's pretty bad I had to complain to BBB so they can contract NAVENT to figure out why I did n't have account when I called. But was being bill each month NO PROBLEM. They sure no how to take the auto payment for XXXX each month too. They continue to be rude and to top it off they always put you on hold 5 to 10 min so they can look up information each time you ask a question or your call gets drop. Then you have to start all over again when you call back. Then they still do n't know what I 'm talking about it. I have try to pay it off and they wont let me and take off co sign they wont let me. I do n't feel my co sign needs to be on here any more. I have great credit. They will not let me Refinance either. I have try everything. I have talk to my bank they do n't understand why this not payoff or why they there not working with me. The interest that has been paid in is way more then they have every seen for a loan of this amount XXXX loan. PLEASE HELP STOP THIS MADNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.

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 2021-11-03
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I got an alert from experian saying there was a Payday loan in my name. I have never taken out a payday loan before on the XX/XX/2020. I put a fraudulent alert out. And I dont know who this person is but I would like to press charges.

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 2022-08-06
Company: Experian Information Solutions 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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 non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: TX
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 contacted Experian credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Experian alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Experian including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Experian to advise them of the results of my debt validation request. 

I believe that Experian has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX  and need your urgent assistance to survive. 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 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a HELCO where the draw period ended in XX/XX/XXXX. The HELOC became amortized at that time. Months before, I requested Bank Of America agree to reduce the amount of the amortized payment, possibly amortizing the amount over a longer period. 
In 10 years I never made a late payment and did not ever want to be late. I just want to repay the loan, making a payment I can afford. 

Bank of America rejected this, stating I had shown no need for this request, and did not fit their delinquency program requirements. 

In a mostly boiler plate letter, the representative, XXXX XXXX, said if circumstances changed, reconsideration may be available. I sent her a letter on XX/XX/XXXX, showing a change in circumstance. Not hearing from her, I left a voice mail on XX/XX/XXXX and again on XX/XX/XXXX. Still not hearing from her, and having no main phone number to call, I left a message on the voice mail of XXXX XXXX, letting her know I knew this was not the correct extension, but hoping she would have the courtesy to call me back and refer me to the correct person. Again, she has not called me back. Apparently, the only way to get Bank of America to respond, is to file a complaint.

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