BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX a double wide mobile home was completely paid for the owner tried to transfer ownership of this mobile to myself and my daughter in XXXX. He found out the lien was never released and in XX/XX/XXXX he contacted Bank of America, after we all spent 7 months of fighting with Bank of America to release the lien on the titles, one clear title was received and transferred however Bank of America never took the lien off the second title. Until selling the property and having a closing date of XX/XX/XXXX we were unaware that this lien existed on one half of the mobile. The buyer is now wanting to walk away because Bank of America has this lien on the title and we are going to loose the cash sale, we were not able to close on XX/XX/XXXX due to this lien. I have been in contact since XX/XX/XXXX with Bank of America and am tried to get them to sign a lien release for the AZ XXXX but they are saying because it is from so long ago they need time to research in order to sign a lien release and are not getting in any big hurry to remedy this situation that they have caused. We have bill of sale for both the title documents notarized by the original owner in XXXX, he died in XXXX. Just received a letter from Bank of America XX/XX/XXXX claiming they sold the loan that was paid off in XXXX and are unable to process the request to release the lien on the half of the mobile they were supposed to have released in XXXX. They know that unless this lien was released immediately, we loose our buyer to our home. As of XX/XX/XXXX a letter was received from Bank of America regarding releasing the lien this is what it said : The number is worthless to call because you have to be current customer with an account number to access any of the numbers to Bank of America. None of the other people I finally got ahold of will call me back to tell me who they sold a paid of lien to. 
Bank of America XXXX XXXX XXXX XXXX, NC XXXX XXXX, XXXX XXXX Your home loan lien release request has been cancelled. 
Date : XX/XX/XXXX Reference No : XXXX XXXX Address : undisclosed, Arizona " What you need to know We are unable to process your lien release request because : Bank of America either sold or transferred your loan to another financial institution What you can do lf you have additional documentation or proof of payoff, please ca!! the number listed be! ow and submit a new request. 
We're here to help We appreciate the opportunity to serve your financial needs. If you need further assistance, please call us at 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 2018-05-05
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted equifax about two large collections on my account since they've been on there. 

I did the foot work since equifax would not probably dispute it. I asked for validation of these debts from XXXX XXXX XXXX ( originally from XXXX XXXX XXXX ). They sent a lease back with SOMEONE ELSES NAME ON IT. 

My name is no where on it and they insist it's mine and ITS NOT. Clearly I'm a victim of identity theft and ive pleaded with this company to delete these has they have Hendered me in so many ways. 

As a victim of identity theft XXXX fee hopeless and equifax has made me feel like my credit is nothing by not acting in the proper way. 

I'm attaching a copy of the lease to prove it's not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
As of XXXX acct number began with XXXX with credit acceptance I let them know there was a gas issue with the vehicle they never corrected, I paid for the repair out of pocket. After that I had another issue with ignition and didn't have the money to come out of pocket for that repair and the car note and the insurance plus what I originally paid for the 1st repair. After that I advised them to come get the vehicle and remove it from my consumer report less than 30 days I return the vehicle and it has still not come off my credit report it shows repossession and ruining my reputation with a derogatory mark on my credit report. This was for a used old car like a XXXX XXXX XXXX XXXX for about {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please see my earlier complaint which you closed based on Bank of America feedback. They are lying. Today, XX/XX/XXXX, I received a package from BOA with a letter stating here is the payment history you requested. 

They have sent this many times. Every package I have received DOES NOT INCLUDE A PAYMENT HISTORY FOR XXXX, WHICH IS THE YEAR IN QUESTION. SAME THING TODAY. HISTORY STARTS IN XXXX. I need the XX/XX/XXXXhistory which is when the note was modified. They changed it from 26 years to 40 years and also charged {$740.00} in late fees. 

Why is the case closed when they are still not sending correct docs? The XX/XX/XXXXhistory will prove we made ALL the pmts up until the modification date yet we were charged XXXX in late fees.

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 2018-05-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/2017 I didn't given out my information to these companies. Someone stolen my information. I am a victim of fraud. Now i have inquires on my account.

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 2019-11-05
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 was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from my credit report.

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 2020-05-30
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:
On XX/XX/2020, I attempted to withdraw cash from my Bank of America prepaid card issued for the EDD for California unemployment benefits. My withdrawal kept getting canceled at the ATM, with no further information. I then tried using the card at multiple point of sale terminals, with each transaction getting declined. 

I tried logging into Bank of America online account, only to be told that my " security information was invalid '', with no further information given. 

When I called the number on my card, the only message given to me was an automated message stating that my account had been closed. 

When I finally spoke to a live person on XX/XX/2020, I was told that my account was not closed but had a hold placed on the account for suspected fraud. 

I was then told that the only way I could fix the issue was to call a specific department at XXXX. 

I have been calling this number for multiple days, each time being on hold for 4+ hours, only to eventually be disconnected. This is the only income I have and my rent is now late. Nobody at bank of America is able to assist me in accessing my money or even answering my calls to resolve the issue. 

I also want to note that I was never contacted via any method ( call, email, or text ) warning my that my account has suspicious activity or was being put on hold. They simply locked all access to the account.

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 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern. 

We contacted XXXX XXXX, they asked to reach out to your office for help. 
We are requesting your assistance to have a negative mark removed from our credit bureaus, which both XXXXXXXX XXXX and XXXX XXXX  refused to do, even after numerous attempts. In XX/XX/XXXX, my wife and I obtained a mortgage through XXXX XXXX XXXX, which eventually was transferred to XXXX XXXX . In between XXXX  and XXXX, we lost our business, and my wife XXXX XXXX was diagnosed with XXXX. This was right about when the pandemic started. Also, due to financial burdens and medical bills, we had no choice but to file for bankruptcy. Obviously, once a person files for bankruptcy, all creditors get notified, which of course, XXXXXXXX XXXX was. Although the mortgage was never included in the bankruptcy, we were able to negotiate and get approved for a modification program through the bank, and we have all files to prove it. During the bankruptcy, our attorney reached out to XXXXXXXX XXXX, but unfortunately, they never reached back out to him for negotiation. Regardless, we went through the modification, and we were making payments on time without missing any. Since then, we have sold our home and closed on it XXXX XXXX XXXX XXXX. XXXX XXXX  was paid in full, and we have a letter directly from XXXX XXXX showing that our mortgage was paid, satisfied in full of no liens on the property whatsoever. Unfortunately, we recently found out that it was reported to the bureaus that it was included in the bankruptcy. Weve asked XXXX, and XXXX XXXX  numerous times to change the reporting to paid in full, they refused to and treated us very unfairly. Due to that negative mark, we are currently paying a high interest rate on our new mortgage. So, we ask of you to please help us out, try and reach out to them and ask them to possibly change it to paid in full/never late. We would love to be able to refinance for a lower rate. If you have any questions, please dont hesitate to call us at XXXX. 
Thank you, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I am seriously concerned about my XXXX XXXX with U.S. Bank. and how they handle my account Dishonestly. As I provided materials pertaining to my Bank account by Mail previously. I am asking for help investigating my account with U.S. Bank according to overwhelm funds Putting under UNAVAILABLE FUND for no reason at all. Trying to Scam me and my account of course. Thank you for any help and consideration to my inquiry. 

Sincerely : 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: SC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: MIDFIRST BANK
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter today via XXXX from VIO Bank on XXXX  XXXX thanking me for opening an Online Savings Account on XX/XX/21 with them. I immediately called to cancel the account. They will send me a cancellation letter in the mail, but recommended I contact the 3 major credit reporting agencies : XXXX, XXXX  & XXXX, as well at the FTC & local police to file a complaint. I have filed a complaint with the XXXX XXXX, PA police department, case # XXXX. 
I was also told to have the police issue a subpoena via certified mail in order to release information on the account opening- but police indicated that is not the process.

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 2023-01-09
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: BBVA FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been a victim of identity theft and have filed all the appropriate info with the FTC, IRS, local police dept., etc. A common activity is to have someone I do n't know open a credit/debit account in my name using my SS #. Every company that I have contacted for resolution/cancellation has helped me resolve the fraudulent account, except Simple. I contacted Simple ( XXXX ) on X/XX/2017. They refused to speak with me about the account, even though I gave them all of my information, including SS #, because I was " not the one who opened the account. '' They refused to even tell me if the account was active or closed. I have placed security freezes on my credit reports to avoid further experiences like this, but I need to clean up all these loose ends and not have open fraudulent accounts. Identity theft is bad enough, but when companies like Simple refuse to help, it makes it that much worse. All I want is to be sure this account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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: Account status incorrect

Complaint:
I contacted this company on XX/XX/XXXX regarding why my payments are being reported late on my credit report, spoke with a manager by the name of XXXX who informed me that I was correct my payments were not being report correctly and were not late, that it was due to a system glitch that my payments were being rejected. She informed me that she has submitted a dispute to have the negative remarks removed and insured the issue would not occur going forward. Since then I have been making more payments to my account and loan that are still being marked as late and in collections with my credit report. Im certain my consumer rights have been violated by this company unethical way of applying my payments and reposting them as past due when they have never been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
a few months back I was aware that i was a victim of identity theft. My identity was stolen and fraudulent accounts were opened without my knowledge or consent. i tried reaching out to the credit bureaus but to no prevail they have not been helpful at all and are extremely hard to talk on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/2020 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Company : Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Alleged Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The company alleges that I owe {$510.00} in payment for anesthesia services. 

So far as i can determine, the insurance company was responsible for payment of this alleged debt. I do not owe them any money. But there is an unfavorable listing on my XXXX XXXX credit report as a result. 

Attempts to deal with the creditor have proven impossible, since they list a balance of XXXX and say the debt was sold. 

Attempts to deal with the collection agency are not possible. In the most recent case, my husband, with my approval, demanded proof of debt. He was hung up on twice. 

According to the XXXX, the collection company has victimized numerous people with falsified listings of alleged debts owed on credit bureau reports. There is no way this can be resolved with them directly. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I reported a fraudulent charge on my PNC Cash Rewards card in XXXX, XXXX. PNC promptly cancelled the original card and reissued me a new one. 
I set up the original card to use the scheduled balance transfer feature provided by the bank. The bank did not use this feature to pay toward the {$41.00} remaining balance as agreed. 
The balance of {$41.00} was instead transferred onto the new card. I did not put any new charges on the new card. It was also not made clear to me that the same automatic transfer feature was not active on the new card. 
This issue was brought forward to me on XXXX XX/XX/XXXX, when a PNC agent called me notifying me that my credit card account was delinquent due to an outstanding balance of {$100.00}, consisting of the original {$41.00} and miscellaneous late fees and interest charges. 
I contacted the bank to rectify the impact on my credit report to no avail. I also requested a verbatim copy of the Card Replacement Disclaimer to no avail. I have to resort to CFPB to receive a  satisfactory response on this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was paid {$4000.00} by my sister. The payment automatically went to an old account. In order to access the account cashapp is requesting the security code of a debit card that I no longer have. I have contacted them multiple times to try to obtain access to the account. 

Their response has been to send me an email asking for certain account information. I have received the email 4 times from four different bots but have still not had my account issue resolved. I have attempted to speak to an actual person 4 times, but they continuously point you back to the emails which do not give you a response.

Company response to consumer: Closed with explanation