BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Bank of America filed a Notice of Default against my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX on a HELOC. I have not made a payment on the 1st or the 2nd on that property since XXXX XXXX. I mailed Bank of America and XXXX XXXX debt validation letters and they denied my request and did not provide sufficient validation to collect any debt they claim I owe them. bank of America denied submitting information to me besides the usual note and deed of trust. Both debt collectors did not submit sufficient proof and evidence that I owe them any money. XXXX XXXX in XXXX XXXX ordered a BPO against my property showing their intent to foreclose and sell my house. Also, the statute of limitations to collect on any bond or note in California is passed as it has been over 5 years since I paid on the alleged debt. I have since XXXX submitted many letters and requests to validate this debt and I have spent a lot of money in doing this and none of the debt collectors have been able to prove and validate any debt they claim I owe them. Now Bank of America has filed a Notice of Default against my home and I am in danger of losing my house.

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 2023-03-24
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Yes I am having issues with penfed bank my bank is located in XXXX XXXX XXXX XXXX. I had opened this account with XXXX XXXX Account number XXXX Routing number XXXX it was money being transferred from my XXXX account I XXXX up once a month recurring deposit for {$100.00} from my checking from XXXX too transfer from penfed checking. Apparently this service from XXXXXXXX XXXX too penfed account the alert and text never show up after the first of each month and then the account deposit shows as as negative. XX/XX/23 shows as deposit too penfed as {$100.00} and then returned XX/XX/23 too my XXXX XXXX as NSF or negative- {$100.00} the issue is the computer problem that deal with the username and password are always having issues and glitches, the password is wrong I am forced to reset my password. I found it impossible that this can happen too different banks. Back and forth,. The deposit is returned as reversed now why would I cheat myself out of money that funded

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 2019-12-08
Company: Carter-Young, Inc.
State: SC
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 am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2021-03-26
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been disputing incorrect accounts that is reporting on my credit file, since XX/XX/2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.

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 2021-10-05
Company: EQUIFAX, INC.
State: SC
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 been disputing incorrect accounts that is reporting on my credit file, since XX/XX/2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every 3-6 months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.

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 2023-09-02
Company: ALLIANT CREDIT UNION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX I was offered a pre approval of a Visa Platinum credit card From Alliant Credit Union Upon applying and after processing my collateral security ( Application ) I was denied based on my consumer report, which is a violation to consumer rights as I am entitled to equal opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar mortgage i feel discrimated and cheated.They send repeated bills with wrong amounts saying I owe.On XXXX XXXX which is the date my current mortgage amount us due i owe XXXX to get current with XXXX in suspense.9 days later i owe XXXX with only XXXX in my suspense my suspense should not decrease unless they mail it back to me.So my suspense decreases by XXXX and the amount they say i owe increases by XXXX it should be the other way around.Makes me question wheres my money going.I filed for a home modication due to change in income no contact as of yet.I feel cheated and ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2020-06-05
Company: EQUIFAX, 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 information incorrect

Complaint:
I informed Equifax in XX/XX/2020 that a creditor was willfully and recklessly reporting false info to the Credit Reporting Agencies after being notified of the reporting error and of Equifax 's failure to investigate and correct the error. Creditor is reporting " inaccurate Date of Last Activity '', " Inaccurate Balance '', and " Inaccurate Remarks ''. 

Attached is a screenshot for your viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Under the law, I am protected. The bureaus can not have information on my credit report that can not be 100 % correct, 100 % validated, original contract with signature proven/on file. This is under the FCRA, FDCP. In addition, I am entitled to {$1000.00} PER offense, PER bureau for defamation of character and then some.

Attached you will find letters I received asking the company to VALIDATE that I have an account with them by sending me a copy of the ORIGINAL CONTRACT BEARING MY SIGNATURE. If they claim the account was requested via the INTERNET, I requested a copy of the video surveillance showing ME filling out the application. If the account was requested by phone, I requested a recording of the phone call. In each letter from the company the state : " WE DO NOT HAVE A PHYSICAL COPY BEARING YOUR SIGNATURE '', " WE 'BELIEVE ' this account was established by YOU. '' Excuse me?? This is not VALIDATION. This is NOT proof that I have an account with you. Some claim they received payments during the time the account was opened. Still no proof. STATEMENTS ARE NOT PROOF OF VALIDATION.

I want these accounts immediately removed from ALL BUREAUS. If the company itself has no proof they can validate that " I '' have an account with them, then the bureaus are also lying and reporting falsely because I hold the document that will prove to a judge in a courthouse, in my venue, that neither the original debtor, the bureau, or XXXX XXXX, XXXX XXXX, ANY collection/third party holds a contract with me. Electronically : no video. Physically : no signature contract. By Phone : no recording of me requesting account. SO TELL ME : HOW IS THIS VERIFIED OR VALIDATED??

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 2021-10-05
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 filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX Dept of edXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2019-01-23
Company: VALLEY NATIONAL BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Monday, XX/XX/2018, I applied for a Valley National Bank Premier Checking account which was offering a {$200.00} bonus for just opening the account with direct deposit.

I was approved and my {$100.00} initial deposit was successfully processed at the end of that week.

Few days later, after a {$100.00} ACH direct deposit from another bank posted, I got the {$200.00} advertised bonus.

Then, I withdrew all the money except {$100.00} to keep the account fee free. So, my balance of the end of XX/XX/2018 was {$100.00}.

On XX/XX/2018, Valley National Bank drained my Premier Checking account without any notification at all.

On Monday, XX/XX/2018, I noticed the Premier Checking account has no funds. The automated Valley National Bank withdrawal transaction description was REWARDS CREDITED IN ERROR. I went to the Valley National Bank XXXX  Branch that day and even though I showed screen shots with the web site offer wording, the bank officer told me a recurring qualifying monthly direct deposit of {$1000.00} or more within 90 days was required to receive the {$200.00} cash reward.

Due to the unexpected Valley National Bank reward credit reversal, the account balance was under the {$100.00} minimum required balance for several days and I would be hit with a $ XXXX  monthly maintenance fee if the account remained open by the next statement date Tuesday, XX/XX/2018.

Valley National Bank advertised offer wording was clearly misleading but the way they handled the reward credit reversal was even worse. So, I decided to close the account on Monday, XX/XX/2018.

On XX/XX/2018, I got an e-mail from Valley National Bank in which they recognized the original advertised offer was erroneous and a clear explanation of the {$200.00} bonus requirements was attached. Valley National Bank also offered me to reopen the account so I can get the {$200.00} bonus by meeting the new offer requirements.

Since I was not sure if Valley National Bank will report the cash bonus correctly to the IRS, I decided to wait until I receive their XX/XX/2018XXXX form.

On XX/XX/2019, my suspicion was confirmed when Valley National Bank sent an erroneous XX/XX/2018 XXXX form. They reported the full {$200.00} bonus to the IRS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express policy of membership reward point forfeiture in the event of an involuntary card termination is not enforceable under consumer law. Although my card was recently involuntarily terminated, due to a bankruptcy filing, the account was in good standing XXXX since XXXX ) and the reward points balance was approximately XXXX. Had I received any amount of advance notice, these points could 've been easily been redeemed. 

My bankruptcy has been dismissed, with no debt discharge, yet American Express refuses to re-instate the membership rewards balance and permit a one-time transfer. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated a my rights. 
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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 98. % purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.

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 2018-02-28
Company: EQUIFAX, INC.
State: GA
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 initially started a dispute with Equifax on XX/XX/XXXX and now it is XX/XX/XXXX and they still have not completed the investigation of these fraudulent account. By law, Equifax has 30 day to investigate these account ; however, it has been more than two months. 

The following fraudulent accounts need to be deleted and removed immediately : 1. XXXX Acct # : XXXX 2. XXXX XXXX XXXX  Acct # : XXXX Equifax failed to investigate these accounts within 30 days and by law, they are supposed to remove and delete these fraudulent accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar reported in accurate info on my credit report. I was suppose to have a 60 day grace period of when the loan got transfer. I told them that and they still would not remove the inaccuracy, this has resulting in me not being able to qualify on a conventional loan when I tried to buy a house this year. 

Nation star bought the loan from a different company, this company have a 3rd party customer service rep XXXX and those people also told me inaccurate information, as they did not take any responsibility.

Company response to consumer: Closed with explanation