BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
COMPLAINT ID XXXX COMPLAINT ID XXXX To whom it may concern, Referencing the above complaint IDs, I received the attached response/letter by Bank Of America stating that they have denied my request to refund my money back and that I should just contact the person who I sent the money to which is by far the most unacceptable response by BOA. 

They well understood that this contact number which I provided them the phone number which FTC has put a recording to indicate that this contact was harassing consumers with fraudulent identity to take payments from them and there is no way I can contact this person to get my money back so this is a joke by bank of america to state in their letter to contact this person which they knew was a fraudlent identity which they should have caught within their own banking system as stated in their service level agreement. 


As mentioned in the complaint ID XXXX in much details, BOA failed to follow their own service level agreements which stated per attached document I copied their print screen of service level agreement states that at times Network Banks will put a hold on a transaction to validate the identity of the sender or receiver to avoid fraud identities of sender or receiver. This wasn't done in this  case and BOA knows about many of these fraudulent XXXX transactions and yet haven't done much to protect their consumers and haven't follow their own service level agreement in place. 

They also told me that they have indicated on their site to only use XXXX for friends and family. Which by the way there is not such a direct and forceful statement nor content in place anywhere on their site. It is also noted that XXXX can be used by businesses, which also contradicts their own excuse that they have advised consumers to only use XXXX for friends and family. 

I need your help to get my {$700.00} dollars back from Bank Of America and please make sure to have this matter to be investigated for class action law suit against BOA who have introduce a system to their consumers that they can not provide protection against fraudulent identities which they have indicated in their own service level agreement as per 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 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: American Coradius International LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company called our daughter yesterday and clearly said that they were from a debt collection company, which I have read they are not supposed to do. I have the recorded message from my daughter 's cellphone as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
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:
FOR MONTHS I HAVE BEEN SUBMITTING DOCUMENTS TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. PLEASE NOTE THAT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MAILED THEM MY POLICE REPORT. AT THIS POINT I CAN ONLY IMAGINE THAT EQUIFAX IS DOING THIS ON PURPOSE, OR THEY ARE THE ONE WHO SOLD MY INFORMATION TO THE FRAUDULENT PERSON. BECAUSE THE SAME ACCOUNT WAS DELETED FROM XXXX AND XXXX XXXX 3 MONTHS AGO. 

I STRONGLY BELIEVE EQUIFAX SOLD MY INFORMATION THATS WHY THEY ARE NOT REMOVING THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

I BELIEVE XXXX XXXX AND EQUIFAX ARE DOING THE FRAUD TOGETHER, THEY ARE THE ONES WHO SOLD MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: LA
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 errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Two creditors agreed to remove erroneous negative information from my credit report. 
They both sent me deletions letters last year as well as sending XXXX  an update request. 

Your company failed to update those accounts and in addition, when I recently disputed the accounts and provided the brueau with the deletion letters, but they came back and responded in 4 days time that the account was verified. 
I just called both furnishers who assure me that the bureaus never tried to verify the information from them.

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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.

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 2019-06-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
SLS put my property in website whom advertise for Homes for Auctions and foreclosure sites I am on time and paying them through my lawyer and court because SLS is a chest XXXX fraud company creeps come here to my property I am sitting in my living room and the creep have a nerve to come front of my property and start taking photo why this is how SLS run a mortgage company by abuse the home owner and sell people home by lie fraud and cheating

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 2020-09-16
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:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-09-16
Company: EQUIFAX, 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:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX are trying to collect debt of original creditor XXXX XXXX account : XXXX which was never mine, I've reported Identity Theft, suspecting my neighbors in the building trying to use me info to get cards and car and loans. 

Also, it is reporting non according on compliant to the FCRA rules with payment status falsely reported, no verification date and status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had my information stole, and I found out in XX/XX/2021 around the XXXX or so once it showed up on my credit report that a loan from western shamrock corporation was taking out in my name and information. I have tried Multiple time to reach out to the company to report the fraud and every time I get a voicemail, I have left voicemail with them to call me back and I never received a response. When I first seen the account on my credit it was for XXXX, when checked the report today XX/XX/2021 it is XXXX. I receive a bill from them as well. I report was filed once I found out my information was jeopardize with law enforcement, do suspect a couple of people were involved in this. This fraud account has also been submitted with identitythief.gov and a fraud alert has been put on credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: BSI Financial Holdings, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial has charged several fees where they will not break down and itemized list of dates relevant to the fees being charged. For example uncollectable fees add up to over {$400.00}, but they won't give me specifics per each transaction.

One of the fees which has been illegally charged to me was Administrative Fees charged on. This was after a bankruptcy. I was discharged on XX/XX/XXXX. 

Note the excerpt that was sent to BSI 's attorney XXXX XXXX from the Bankruptcy Attorney 's Office, XXXX XXXX ( who represented me on XX/XX/XXXX. 

" She contacted me because there was a late fee applied on XX/XX/XXXX in the amount of {$470.00}. She tried to call and find out what this is but no one will discuss it with her. A Notice of Final Cure was filed on XX/XX/XXXX and no response was filed by your office. Please let me know what this late fee is for and why it was issued the same day as her discharge. I have attached a copy of the statement. Thank you. '' There was no response from the Attorney. In addition, I have continuously asked for an explanation from customer service on a recorded line as well as the Loss XXXX, XXXX XXXX for who I spoke with on the telephone on a recorded line on XX/XX/XXXX. When I gave him the date relevant to this fee, he indicated that his computer was locked and that he would have to get back to me. I gave this two weeks and sending him another email XX/XX/XXXX, I am still getting the round around with no explanation regarding the " administrative fees ''. 

I am very concerned that the administrative fees was an illegal act. In addition, these other fees are not balancing to what I am being charged. I am requesting an assessment of these fees ( itemized ) and the illegal administrative fees charged removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received your response to my initial dispute to what I believe is a stall letter. I am who I say I am and I provided proof of identity with my first dispute letter. I'm resending my dispute along with clear proof that I am who I state I am. My XXXX has not been reporting and you need to updated this.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: PA
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  Account # XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX  Account # XXXX and XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my 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 non-monetary relief
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX, XXXX  or Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2021-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX. and started to return my payments after a while i realized what is happing that XXXX XXXX XXXX is not accepting my payments. so i got in contact with XXXX XXXX XXXX and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX XXXX XXXX that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX XXXX XXXX assured me he will take care of it and make sure XXXX XXXX XXXX is reaching out to all 3 credit bureaus to remove the negative marks, till today XXXX XXXX XXXX  didn't reach out to the report companies to remove the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There was {$1.00} late fee from a payment that was made literally XXXX hour after their " cut off time '' so i paid the account balance which included the ridiculous late fee and current charges. Which means the balance was paid before closing date. I contacted them in reference to this and they said they are not able to waive a {$1.00} late fee! And now they are charging me a finance charge fee on a late fee. Absolutely ridiculous. What I owe I have paid so the balance is only fees. My obligation has been satisfied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
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:
My wife and I were hospitalized with XXXX XXXX during XXXX of 2021 and subsequently my wife had a XXXX XXXX  and is still hospitalized. During this time my property was for sale but the transaction was not finalized until XX/XX/2021. We are in the process of buying a replacement property utilizing a XXXX exchange but the lender who is processing our loan advised us that that there are two late payments been reported by Nations Direct Mortgage, XX/XX/2021 and XX/XX/2021. I contacted Nations Direct Mortgage, explained our delicate and challenging time we endured but completely disregarded our request. Now if my XXXX mortgage payment was not received by the first, shouldn't they have assessed a late payment fee but not a late reporting on my credit when they, Nations Direct Mortgage, were paid off on XX/XX/2021. ( Payment was due for XXXX, payment was added to total payoff demand and paid again on XX/XX/2021 ). It would help us immensely if your office helps us resolve this matter with Nations Direct Mortgage. I am XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We need your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.

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 2023-04-19
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 Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2020-10-20
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
Hello, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with non-monetary relief