BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My ex-husband applied for a loan modification with Bank of America ( BofA ), while we were in divorce proceedings but still legally married, with the hired assistance of XXXX XXXX and XXXX XXXX of the now-defunct XXXX company in XXXX XXXX. XXXX and/or XXXX forged my financial information and my signature on the BofA loan modification application WITHOUT my knowledge or consent. Along with the application, a court transcript of a divorce settlement was provided to BofA by XXXX XXXX ( ex-husband ) and/or XXXX representatives who represented to BofA that it was a final divorce judgment, which it WAS NOT. BofA accepted this court transcript as a divorce judgment despite there being no official court filing stamp or documentation to substantiate the paperwork. BofA approved the loan modification based on this falsified information and permitted ONLY XXXX XXXX to sign the loan documents even though my name was on the previous mortgage as well as the new loan modification mortgage. I learned about the loan modification after it was approved. I contacted BofA on several occasions to ask how they could only allow XXXX XXXX 's signature when we were not divorced and since my name was on the loan. They claimed that they " thought '' they had a divorce judgment ( decree ) in their possession, even though the requisite court filing stamps, etc. were not on any of the divorce settlement documentation they had received. Bank of America was made fully aware after XXXX XXXX secured the loan modification that it was obtained with falsified and erroneous information, and submitted under penalty of perjury. 
Bank of America 's policy of only permitting one signatory on any loan that is held by TWO individuals is a violation of law. Bank of America 's Loan Modification website clearly states, " All borrowers on your loan agree to participate. '' Bank of America failed to adhere to its own policies. The forgery component is clearly against the law, and BofA 's knowledge of this and unwillingness to take corrective action is reprehensible. It begs the question, 'If BofA believed that we were divorced, and that XXXX XXXX was receiving this [ XXXX XXXX XXXX, XXXX , CA ] property in the settlement as stated in the XX/XX/XXXX court transcript, then why did n't BofA redraft the loan modification documents to reflect XXXX XXXX " ownership? ''

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX 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 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 2021-06-21
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These 3 debts were consolidated into one in the amount of {$510.00}. Debt is paid is full and still reporting on credit report. I spoke with the agent on XXXX, XXXX and XXXX and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
check my 3 credit reports today. and seen collection account from I C System INC.

Never had account with this company, never got a letter in the mail or nothing. But it show up on my credit reports.

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 2020-04-09
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: Account information incorrect

Complaint:
XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the Experian credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX  # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice

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 2016-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I submit a complaint against BOA through CFPB ( Case number : XXXX ). BOA has submitted some kind of paperwork to XXXX stating that I was using the account forgery. I was a victim of a scam that cost me to lose money and have my BOA account closed and I submitted a copy of the police report to BOA stating that I did not know the check was a fraud and the company portray themselves as a company called XXXX. Before I filed an complaint against BOA, I called them and tried to resolve this issue and I also faxed over an police report. Not knowing that the company was a fraud and the check was a fraud ; I did not call the bank that the check was wrote on to verify the check. So, I just deposited the check in my account thinking that the company was a good company. The manager of the company email and had me to send $ XXXX to XXXX XXXX to pay for the equipment that they are going to send me. I called BOA asking them why I could n't log into my account and the rep stated that the check that I deposit was fake. I was surprise and did not know that the check was fake. So this has caused me a lot of grief and trying to get this settled. Now, I can not open up an account with a credit union, because BOA has posted something negative and inaccurate in my XXXX file. I faxed them the information that they needed to BOA to receive my money back and keep my account open. The rep stated that I would not receive my money back and they have to close my account. So, I just let it go, because I did n't have the money to hire a lawyer to sue BOA. BOA file inaccurate information to XXXX XXXX XXXX stating that I was using the account to contain forgery or fraud transaction. I have never in my life use anything forgery or fraud to get what I want. I tried to explain to both parties BOA and XXXX, I was a victim of a scam. I have a police report showing that I was a victim of scam. Now XXXX has inaccurate information on my file and I wo n't be able to open up any account because of this. Fraud can mean anything that a bank wants it to. BOA and XXXX need to provide proof why they flag my account as fraud or abuse? What proof do they have that shows that I intended to commit fraud? BOA need to look at the handwriting on the check to verify that it was not my handwriting that signed the check ( I did sign the check in the back ) Both party violated the FCRA because I was not tolded by BOA and XXXX that this information would be used against me and I wo n't be able to open any accounts with other banks.

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 2017-03-02
Company: The Regional Adjustment Bureau, Incorporated
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I previously had a dispute with XXXX Bank in which I owed no monies and the account was to be closed. However, they have since placed the account with a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disputed Debt .... I do not owe  XXXX  or NSA who is now trying to collect a bill I Do Not Owe. I do n't owe not One Cent..      Fraud and Extortion ... I cancelled the services after My Bundle was broke up with a New  company  XXXX . Pay off  XXXX  and  XXXX . Started a new service with   XXXX   and   XXXX  .     I have requested to have this item removed and my good name restored. I have disputed this bill debt with  XXXX  and  NSA  in writing. They try to get me to pay something ...  XXXX  the first time,  XXXX  the second time. I told them i owe nothing ... .and i will be paying nothing.     I disputed this debt and owe no money. all services were paid in full. This fraud and extortion to obtain monies not owed. After i have been loyal and excellent customer for years.

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 2022-09-14
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
" In the Complaint, the consumer requests a printout of the chain of assignments from the XXXX system. Enclosed is the requested printout. '' This was the XXXX response I received. Thank you.. Dates covered in this print out is from XX/XX/XXXX through XX/XX/XXXX. Basically this time frame covers when XXXX was the servicer. 

XXXX became servicer on XX/XX/XXXX so I want assignments from this date onward. 

I would like print out of asssignments from XX/XX/XXXX through XX/XX/XXXX when XXXX has been the servicer. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
All three credit bureaus continue to deny me an investigation into the fraudulent erroneous information contained on my credit reports. they are in violation of the FCRA.

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 2017-12-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has my XXXX XXXX account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on Experian for there reporting practices.

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 2019-10-25
Company: Shellpoint Partners, LLC
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: Their investigation did not fix an error on your report

Complaint:
I was told by the XXXX representative that I couldn't dispute this account anymore. And I was told by the Mortgage Servicer representative that the only way that I could dispute this account was through email or fax.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I want to reopen the dispute case with XXXX XXXX MD {$870.00}, I received defective ( open box ) unit and returned it back to the merchant on XX/XX/XXXX2017 via UPS ( agent XXXX ) Tracking XXXX, since then I have been trouble obtaining credit refund from the merchant see attached document, proof of return and credit requests, As a result I dont have the merchandise and i have been doubled charged by citi bank.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
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:
I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXXt are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-10-30
Company: FORD MOTOR CREDIT CO.
State: CO
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 us code? 1605 determination of finance charge. 
Look at the spelling of my name, XXXX XXXX XXXX, XXXXXXXX XXXX = fact=correct. Any thing alse is null and void. Fraudently convayed language is with charges of pergery that will hold up in the foreign vessel on dry doc. With evidence in hand. I'm going to give you10 days to fix this problem. Starting 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 explanation
Consumer complaint received 2020-06-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Our son was born in XXXX XXXX on XX/XX/XXXX. One month after our discharge from the hospital, we received an invoice from XXXX XXXX XXXX for the medical expenses attributable to our son. That invoice was for {$9100.00}. After adjustments/co-insurance from my insurance company ( XXXX ), I owed {$420.00}, which I promptly paid in full on XX/XX/XXXX from my HSA. The confirmation number of my payment was XXXX. On XX/XX/XXXX, I received a Past Due Notice indicating an additional {$300.00} was added to my account sometime after I paid the invoice. No explanation of the {$300.00} additional charges was ever provided by XXXX XXXX XXXX and no explanation of benefits was ever sent to my insurance company. I received another similar invoice dated XXXX/XXXX/XXXX, still with no explanation of charges. We called XXXX XXXX for an explanation, we were told it was being put in review and that we didnt owe anything. 

The matter was out of our minds until we received our 1st notice from MBA Law dated XX/XX/XXXX, indicating XXXX XXXX XXXX parked this debt with a collection agency, followed by a second notice, dated XX/XX/XXXX, offering me a 30 % reduction to pay by XX/XX/XXXX. 

I believe that some department in XXXX XXXX failed to document these expenses prior to the invoice being generated. Since I promptly paid the bill, my invoice was closed, such that additional charges added after that did not trigger the mechanism that forwards the expenses to my insurance. Had those new expenses gone onto a new invoice and not one I had already paid in full, perhaps the expenses would have been correctly sent to my insurance and billed to me. 

XXXX XXXX XXXX should never have parked this debt. I believe they need to resolve this debt with MBA Law, then can choose to document these charges and appropriately submit them to my insurance provider, XXXX, so the charges can be adjusted in accordance with my insurance plan. After repeated calls to XXXX XXXX XXXX, someone indicated these charges appeared to be for XXXX  testing, XXXX XXXX, and routine XXXX XXXX of which would have been covered by my insurance plan had they been properly submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Both my business & personal account has been effected drastically by Bank of America throughout the years. My personal account was closed after being with them for years due to negative amounts I was unaware of. I never received a call or notification I just sent to use my card one day and it wouldnt work. I called them and they told me they closed my account and that I owe them hundreds of dollars from fees. I told them I didnt even know it was negative and I wanted to resolve this to continue to use their bank and they only demanded money from me. Ive never experienced this over the years and it seemed like they didnt even care and didnt give me any other option to help even though we are all in a pandemic. I was told my account was closed and I wouldnt be able to get my original account back even if I paid. This caused my credit score to drop, I couldnt pay my rent how I normally would and was forced to pay through XXXX XXXX and other places which charged me even more fees. My business account has been charged multiple fees any day it is brought into the negatives and every day after if it is still negative even {$1.00}. Times are extremely hard right now, I myself have had XXXX and have A lot of people around me who have it now as we speak which has caused me not be out of work and hard to find work. On top of that I have two kids and one of their mothers has XXXX right now so I have to support more than I am able to. Im not able to send her money via XXXX transfer to support our child anymore, Im forced to bring her money which is not safe for me because I dont want to get XXXX  again. Please help

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