BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im opening the case again against my bank due a bad handling of a charge back request. I sent all the documents signed and information the bank requested on the times they needed. The bank said they never receive anything... 
Attached goes all the documents I sent to te bank with the dates to proceed to the charge back request, something they never did it. 
Old claims XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ERC
State: FL
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:
Tis is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. 
Same amount same everything just a different collection agency. 
It keeps on coming up every few month through a different collector. 
Will it ever end? It was never me I never had anything to do with XXXX. 
Thank you XXXX XXXX Account nameENHANCED RECOVERY Account XXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$1600.00} Balance updatedXXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms XXXX XXXX  On record untilXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: AZ
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 recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

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 2023-04-18
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:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: IN
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. 

XXXX XXXX : # XXXX {$2.00}, XXXX XXXX : # XXXX {$140.00}, DEPT OF ED XXXX : # XXXX $ XXXX/996, DEPT OF ED XXXX : # XXXX {$4000.00}, DEPT OF ED XXXX : # XXXX {$2500.00}, DEPT OF ED XXXX : # XXXX {$990.00}, XXXX XXXX XXXX # XXXX {$220.00}, XXXX XXXX XXXX # XXXX, US Bankruptcy Court- 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in forbearance with our mortgage company due to reduction of income and XXXX. During forbearance, we accumulated an unpaid balance on our mortgage. We were protected from being reported to the credit bureau because we were protected under the Cares Act. When we came out of forbearance, we were entered into a loan modification program with Dovenmuehle Mortgage. During the modification program we had to make a designated payment for each of 3 months. We made those payments in full and on time. The 3rd and final payment was made in XX/XX/XXXX. After the trial payments we were told we would be mailed documents for us to sign that would modify our loan. The modification would move the past due amount on our mortgage to the end of our loan and bring the loan current with a {$0.00} past due amount. It took Dovenmuehle Mortgage OVER 90 DAYS to send us the documents. They advised us to continue making the same trial payment each month while we await the documents, which we did. We finally received the documents on XX/XX/XXXX. While all of this was going on, we discovered that Dovenmuehle Mortage has been reporting us as delinquent to the credit bureau every month since XX/XX/XXXX even though we have followed everything they have asked and WE WERE MAKING PAYMENTS ON TIME every month like they asked. I have contacted the loss mitigation department more times than I can count and tried to get this fixed. They have told me to email the research department ( apparently, they don't have phones in that department ). I have sent emails to the research department several times and sent them proof that we made payments, but they do nothing. They have also been assessing late fees on our account every month. Reporting us the credit bureau and charging us late fees should not be happening because we were in a loan modification program and were waiting on Dovenmuehle Mortgage to send us the documents we needed to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern, My name is XXXX XXXX and I am writing because I was a victim of a XXXX XXXX fraud from a scammer that i met on XXXX. I have been dealing with a person who claimed to be XXXX XXXX who was in the military in XXXX and he had a daughter in XXXX school. At first everything was going good until he started asking me for money. I felt funny about sending this person money since I never met him but he said he would be getting money back and he would pay me. I did several different transactions that varied over time through bitcoin in XXXX XXXX as well as sending him different prepaid cards. I lost over a few XXXX dollars because of me being so naive. He said he had a daughter that was in school and she was having financial issues, which I tried to help. From this situation I helped him cash a check that he said was part of his money from the military. They took my name and it was sent to me through XXXX the very next day. I had a feeling in my stomach that something was wrong but this person knew all the right words to say and when to say it. At the time the bank was closed so I deposited the check in my checking account not thinking anything was wrong because he was in the military protecting our country. Then I got word that the check was fraudulent and I couldn't believe what had happened to me. This is things that you read in the newspaper or watch on movies. You never think it could happen to you until it do. If I would have known that the check was no good ( fraudulent ), I wouldnt have deposited it in my account because I dont need all of the problems that I'm dealing with now. I am a single mom and I was targeted. They knew my information and my where abouts like they were reasearching me. I would do anything i can to make this right. I reported it to the Federal Trade Commission and also to the XXXX XXXX for impersonation of a military personnel. I have lost everything because of this stupid mistake. I have also tried to dispute it with XXXX and XXXX  but they won't listen to me. I am not a criminal and I don't know what to do so I can clear my name. I can't look myself in the mirror because these people really dis make a fool of me. Can you please look at all of the information that I am sending you about how I was scammed from being a certain person and turning out to be a whole group of other people to gain access to money that they dont have, so I can be removed from XXXX XXXX because I need to be able to get an account so I can cash my checks and pay my bills? I would have never done anything like this if I knew this is what they were doing. Please let me know what I need to do in order to get a clean record on XXXX. I appreciate any help with this matter. 
Thank you

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 2022-07-25
Company: EQUIFAX, INC.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXBalance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with fraud alerts or security freezes

Complaint:
I made a call to what I thought was my student loan lender of XXXX, it however ended up not being the true XXXX. The customer service provider attained my social security number and tried to " sell '' me a buy in to student loan forgiveness for {$3000.00} at this point I knew this wasn't the XXXX that I was trying to contact. I have reported to student loan services.gov. They advised me to report this experience here too. This company hacked my password and log in info to my federal student loans and reset my information. This happened on XX/XX/2022 at approximately XXXX. I have since reset and secured my student loan log in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: MoneyLion Inc.
State: IL
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:
I had closed down the account that I had with them after I paid off the card, but they reactivated the account without my permission, and also reported on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a senior citizen and a 30+yr customer of Bank of America . My two checking accounts at Bank of America were hacked on XX/XX/XXXX, when I received emails from the bank. The total authorized amount of {$74000.00} was withdrawn. Bank of America fraud department was extremely difficult to reach and not helpful. A new ATM card was sent but not cancelled another card was sent to the wrong address. Ultimately the bank denied my claimed saying the charges were authorized on my ATM card, which I never use nor authorized anyone else to use. Bank of America has not made documents available to me and when I call during business hours their offices are closed. My original 2 checking accounts were supposed to be locked and closed but continue to receive auto-deposits. 

On XX/XX/2022 - executives at the bank were contacted about the fraud and how their associates refused to establish a claim or freeze my accounts. The executive has stopped replying to my e-mail : XXXX and XXXX. On XX/XX/XXXX at XXXX, I finally reached XXXX at the Fraud Department in Texas who filed a claim and supposedly froze my accounts. CASE # XXXX. Fraud continued on the accounts for several days after reporting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NC
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:
This is my another endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Owed : {$2500.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX  Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX  BalanceOwed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have already made a formal request to the credit bureaus to block or remove all erroneous and fraudulent information. However, the request was never granted, and no comment was ever provided by the agencies involved. Now, I'd like to ask for your assistance in order to get rid of these items and make the credit bureaus inform me about the issue. Here are the issues that concern me : XXXX XXXXXXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I made it I deposited two checks that equal to the amount of XXXX. Without knowing I could not deposit a check that had my grandmothers and boyfriends name at the time, even though it also included my own name, which led to my account being shut down, and now that money is currently being held in a subledger, so the three of us that were named on the checks of time a deposit, when inside a branch submitted evidence that the checks belong to us and submitted that evidence so we could have the money released back to us. Unfortunately weve been getting the runaround for over three months and that money is still being held within the Citibank subledger. We would like that money to be released back to us since we submitted evidence that are belong to us, and the three of us appeared in person into a branch.

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 2022-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payments made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$26000.00}

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 2022-08-06
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collection letter from " Collection Center Inc '' XXXX XXXX XXXX XXXX, WY XXXX address to : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX WY XXXX with a reference number of : XXXX I think this is a SCam going out to random people?

Company response to consumer: Closed with explanation