BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Bank of America Debit Cards were stolen from my vehicle while I was outside of the U.S. My debit cards were in the backpack along with other personal items. Thieves managed to withdraw money from my debit cards in amount of {$39000.00} in total. I contacted BoA ATM Debit Card Fraud Services for assistance and help. Based on their policy Bank of America will credit fraudulent charges made with your card back to your account as soon as the next business day. They told me it will 10 business days to investigate the case. After 12 business days the claim was not paid with no reasoning behind. After long conversations with customer service representative, the answer was that " those transactions were done by me based on the film they have ''. However, it was a complete non sense because I was outside of the U.S. and it is impossible to withdraw money from an ATM within U.S. while I am outside of it.
After, contacting the bank and faxing my travel documents and airport stamps on my passport they decided to reconsider the case. Second refusal for the claim was made based on a reason that I accessed online banking multiple times during the period of those transactions, which isnt true. Hence, I asked for documented proof of IP address login details. The answer was they are not able to provide it. Hence, the case is still being reconsidered. Everytime they are trying to find an excuse not to reimburse my money. Each reconsideration of the claim results in completely different answer. I gave them the police report, my travel stamps on the passport and insurance claim number as a proof of the incident.

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 2018-12-22
Company: Harpeth Financial Services, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest they charge is way two high its tripple what I borrowed is this practice allowed? I borrowed XXXX and I owe XXXX and I have made 3 payments of XXXX and still owe XXXX I am been taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Perfection Collection
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account has appeared on my credit report from a collection company called Perfection Collection. The account was referred to them by a security company, XXXX XXXX XXXX. My credit report says I have a joint account with a balance of {$3700.00}. the account number on the report is redacted but says the account number is XXXX. 

I have never opened an account with this company and have never authorized anyone else to open an account with my name attached to it. I am trying to get this information removed from my credit report ASAP is it affecting my credit score. 

I have tried to speak with the collection agency and the company but no one seems to know anything and they keep saying it needs to be referred to legal. I have reached out to their legal team but was only provided an email to reach them and have not heard any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I requested paper statements from Bank of America for my prepaid EDD card for the past 5 years in my previous complaint ( XXXX ). In their response, the bank provided me with account activity through XX/XX/XXXX, but no statements were provided from XX/XX/XXXX through XX/XX/XXXX. 

Bank of America claims that the balance on XXXX XXXX was {$0.00}. Analysis of the Archived Transactions List from XX/XX/XXXX through XX/XX/XXXX included in the banks response shows that the closing balance on XX/XX/XXXX was ( {$16000.00} ) or the account overdrawn by XXXX. This is a huge discrepancy I have attached my spreadsheet analysis of the archived transaction list. ( file : Archived Tranactions.xls ) Further analysis of the Archived Transactions shows that there are countless duplicate transactions the list. The entries for these duplicate transactions are not always identical as there is a slight variation in the Transaction Date & Time field or in the Merchant Name field. 
The attached file duplicates.xls is the archived transaction list sorted by merchant name The following transactions highlighted in the attached file are examples of such duplicate entries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit $ ( XXXX ) The second transaction is posted a day later XX/XX/XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX CASH BANK OF AMERICA XXXX XXXX XXXX XXXX Debit $ ( XXXX ) The second transaction is posted a day later, and the word CASH has been added to the merchants name XX/XX/XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX CASH BANK OF AMERICA XXXX XXXX Debit $ ( XXXX ) The second transaction is posted a day later, and the word CASH has been added to the merchants name XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debit $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Debit $ ( XXXX ) The second transaction has posted two days later and the merchants phone has been added to the merchants name XX/XX/XXXX XXXX XXXX  '' XXXX XXXX XXXX XXXX '' Debit $ ( XXXX ) XX/XX/XXXX XXXX XXXX '' XXXX  XXXX XXXX XXXX '' Debit $ ( XXXX ) The second transaction has a posted a different time, in the evening of the same day Finally, Ms XXXX XXXX allegedly a Senior Resolution Specialist who responded to my previous complaint has not answered or returned any of my calls or emails regarding this matter.

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 2023-05-17
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This whole situation was initiated by Harmon Law Offices on behalf of XXXX XXXX XXXX XXXX. Then XXXX XXXX then XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX now represented by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX. On XX/XX/ I did not show up for a hearing on a fraudulent foreclosure housing court hearing as I am XXXX ( XXXX ) XXXX and with mobility as well as XXXX XXXX problems highly aggravated by stresses. This XXXX XXXX XXXX is well aware of my age and health status. I filed into a Superior Jurisdiction Court being the Land Court, to address the criminal illegal foreclosure attempted on me as well as Now illegal eviction threat on me. I am legally allowed Special Accommodations in all of the courts as per XXXX laws and now this being the case this XXXX XXXX XXXX, XXXX is trying to illegally not only push thru this illegal foreclosure fake/forged documents but Now also this party is trying to evict me before 10 days the default removal time window is closed for removal of this so called default. being the 10 days from XX/XX/XXXX  is XX/XX/XXXXXXXX XXXXAny attempted eviction is illegal as per misrepresentation forgery and photocoping present on foreclosing documents. This party was supposed to wait until at least XX/XX/ XXXX This party is trying to avoid my Land Court Complaint that I have filed on Friday XX/XX/XXXX XXXX for Try Title, proving illegal foreclosure and other crimes done to me as an XXXX  XXXX person and homeowner of 34 years. This attorney XXXX XXXX XXXX XXXX XXXX should be disbarred for this abuse to me, as well as aiding and abetting this XXXX XXXX XXXX, XXXX for criminal acts to what amounts to XXXX XXXX for profit of this elderly XXXX woman with use of an illegal foreclosure with use of emotional terrorism. Also on the early mourning XXXX of XXXX there was an attempted Trespassing situation whereas a man entered my property ( recorded on security cameras ). I have been living here at this same address since XXXX and this has never happened before. I believe this party is XXXX XXXX XXXX, XXXX is trying to terrorize me into leaving my home to steal possession of it, to flip it for Profit, in short XXXX XXXX for profit, terrorizing this XXXX XXXXXXXX person. It was only 4 days after this so called default that a clerk defaulted me when I was supposed to have 10 days to remove it. Also, What gives a Clerk the authority to rule on a case? and or execution?? attached housing court docket and police report -- -this is all in addition to this dangerous aggressive predator XXXX XXXX XXXX coming to my door to terrorize me on XX/XX/ as attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute, and regards to the incorrect item on my credit report, its been well over 30 days & I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SANTANDER HOLDINGS USA, INC.
State: NV
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:
When I took a car out from Santander consumer USA, my payments were really high. I never missed a car payment all I wanted was to refinance my loan but they denied it. They said after 1 year my interest will go down which it never did. So I ask them what was the right way or was a good way to deal with this. They said its best to do a ( Volunteer Reposes ) witch I did but they ended up putting it in my credit history that I got a ( Reposes ) which was a lie and now its AFFECTING me.All I want it off my credit history record. Why because I paid it off and I have the evidence. And trunk to start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was recently incarcerated for some activities that took place i had purchased an Xbox from XXXX thru citizen bank I couldnt pay the money because my console got stolen an I was incarcerated and I filed an identity theft case an now its not accepting me for any credit or replacing my Xbox that was stolen from me I talked to citizen an they said its nothing we can do I feel like they can give me an opportunity and show them that I can pay them Now an i want my console new version

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC is reporting that I owe {$130.00} on my consumer credit report. I do not know this company. I have never done business with this company. I have never signed a contract with this company for anything. I have never given permission to anyone verbally or in writing to pass my information to this 3rd party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate.

Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 i ( a )? I hear that if you can't provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the fair credit reporting act these accounts listed have violated my rights. In addition, some of these accounts are not even mine bring my scores down causing me to be denied. Its become a real hindrance for me and my children. 

XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting ITEMS as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a victim of identity theft and did not make the 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 2018-07-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a  detailed description of all actions you have undertaken in acting on this request. 
Sincerely,

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is reporting a charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inaccuracies that are illegal. This account has different account numbers, different last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting or reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

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 2018-04-21
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, XXXX and Experian ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.

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 2021-01-24
Company: ERC
State: DE
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:
Enhanced Recovery collection placed someone elses debt on my credit report and they stated it was from 2008. I have no idea who these people are and was never a client of theirs. I never had XXXX  or whatever it is reporting. 

XXXX XXXX ignored a dispute claim I filed on the card they are reporting and never investigated. It was multiple charges on the card thats were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has been brought to my attention that there is a lien placed on my SSN, through Citi bank for a credit card from XXXX. Citi is no where listed on my credit report as a collection, active, or closed account. When attempts from myself and financial representation attempted to gain information such as debt payoff amounts, and signature pages the representatives refused, stating my account needed to go into review and in 3-5 business days we could call back for further decisions. On XX/XX/XXXX my wife, XXXX, was able to climb up the representative ladder to speak with a Manager at Citi, XXXX ID # XXXX, who released the lien. She also gave my wife the information of their attorneys office whom she would be sending the release to for contact, XXXX, XXXX, & XXXX. We contacted the attorney 's twice, and both times they stated the file does not exist in their office. 

XXXX XXXX Courts have closed the case due to age though they do not have the release of lien to remove it from my SSN. 

On XX/XX/XXXX, two calls were made to Citi 's Internal Recovery dept. Both the representatives refused to forward Mrs.XXXX to a supervisor. Stating the account needed to go into further review for a decision to be made. One of the representatives even hung up during the phone call with my wife. The debt is from XXXX, all requests of documentation to be presented have been denied. Now that it is supposed to have the lien released, we are back to the beginning of attempts to collect the debt.

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