BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX my husband and I took an equity line of credit with Bank of America. We had a pre-existing 2nd mortgage with them for {$120000.00}. and a {$530000.00} 1st mortgage with XXXX XXXX ( whom is not XXXX XXXX ). At the time, the appraisal came in at {$750000.00} and so Bank of America gave us a new 2nd mortgage at {$210000.00}. 
We did not know that we could not finance 100 % of the equity in our home. We still have the XXXX mortgages with an appraisal at {$580000.00}. I am only paying interest on the Bank of America loan and I have modified my mortgage payment 2 years ago. I tried to modify it again but was unable because they could not lower my payment to the govt. percentage rate. That is when I learned that I should n't have been able to finance to 100 %. I did all the mortgage application through a salesman that had contacted me by phone and thus the mortgage is in my name only ( we really do n't understand why ). 
At this point, my salary is XXXX of the amount it was in XXXX am a XXXX and my reimbursements from the XXXX is the reason for the lower pay. I am taking classes to obtain a XXXX in XXXX but I am only partially into this program. When I finish, I have {$95000.00} of student loan debt to begin paying also. This is why I tried to modify again ; I sent paper work in once using my salary and a contribution from my husband 's and I was denied because they said I did not make enough money. I reapplied and tried to have my husband 's name put on the mortgage and was denied again due to not meeting the govt percentage requirement. XXXX told me that I can not add his name without refinancing and we would be denied for that. 
Yes, we were stupid like so many others. We are hanging on and I am afraid to even contact Bank of America for fear that they will want me to give back a percentage of the 2nd mortgage. We have no savings, living week to week so there 's no possible way we could handle that. My office is in my home so even if I was to downsize my home, I would have to lease office space so I ca n't win. 
2 years ago, I had to file Chapter XXXX bankruptcy for myself because of the loss of income. The attorney at that time was not a mortgage attorney but felt that there has been some questionable activities in loaning us money. I can not afford to hire another attorney to investigate especially when XXXX XXXX says there is nothing that can be modified. 
Is there?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The payment history of my mortgage account received from BofA has transaction that are questionable. In the history of the account when Countrywide bought my mortgage XX/XX/XXXX for 6 years ( XXXX ) no payments was posted. XX/XX/XXXX was also the month my property tax was due. I did make payments to my mortgage in XX/XX/XXXX for these years that are not posted. 
On XX/XX/XXXX there is a transaction of {$4700.00} that was XXXX back to my mortgage balance. BofA has not provided an explanation for this transaction. 
There is a lien on my property by HUD for an amount of {$7600.00} filed XX/XX/XXXX. The court documents does not state what the loans was for and Bof A has state is a partial payment which they have not provided documentation of this transaction. They can only provide a history of the payments applied to my account. 
There are many missing payment made to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
XXXX XXXX XXXX XXXX check, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount $ XXXX account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
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:
This is a request to receive all documents used to verify this account and make it published on my credit report. This item is not verifiable and needs to be removed from my credit report. There has been a fraud alert on my credit since XX/XX/2019 and these items should have been verified via phone prior to putting them on my credit file. Attached is a FTC for the stated documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PROCOLLECT , INC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  IN REGARDS TO ACCOUNT  XXXX  THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT. BY TEXAS  SURETY BOND L AW ALL ADDRESSES AND BUSINESS NAMES MUST BE CORRECT.   PROCOLLECT , INC, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS.   PLEASE REMOVE FROM ALL  XXXX  CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.

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 2022-02-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Fraudulent activity on closed debt that do not belong to me. I have submitted police report due to my items were stole years ago. I did not authorize a credit card on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a costumer with best buy for many years lately I have noticed that even buy doubling my minimum payment the balance did no budge much I went to take a look at where my interest rate was and I found out the interest rate was no were to be found on the credit card website all what is shown is my minimum payment and the balance. I called Citi as they are the ones who issue the best buy credit card, they told me that my interest rate was in the statement if i chose to download it. After I downloaded the statement I found out to my surprise that my interest rate was not there either. 
I am at this point assuming that the Interest rate is not made obvious to keep the customer unaware of the outrageous 25 % + .. interest rate. 
I do n't believe that this practice is ethical I always chose to be on paperless billing, for personal reasons but I do n't think that Citi should keep there costumers unaware just because they chose to bank online. 
I take full responsibility for not being aware of the interest rate, but I hold Citi responsible too for not making it obvious when I login to my account. 
The least that should take place is for citi to make the interest rate as obvious to see as the minimum payment and balance. 

I am also attaching the statements I downloaded in three formats that were available. 

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 2016-04-24
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citi Bank has garnished my commercial escrow account without notifying me. Checks have been written and electronic payments authorized have bounced and no letter or notification have been sent to me after one week of constant inquiry with 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 2016-03-03
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
XX/XX/XXXX I had a XXXX and was not able to work. I contacted Sears - CBNA to let them know I was going to be late. At that time I was forwarded to a department who asked how much I could pay each month and if we went into a payment plan and I paid it monthly we would be able to maintain the plan. I made each payment on time with auto withdrawals and completely paid the debt off XX/XX/XXXX. At that time my credit report showed paid as agreed never late. Once the balance was completely paid CBNA / Sears notated my account was late 11 times in a row of 60 days and 9 times in a row of 30 days late. When I disputed they said even though I paid on time and paid what they sent me bills for monthly it was still not enough and that is why it showed 60 days late. I paid every bill they sent on time until there was a XXXX balance. I paid the balance off early.

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 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAP1/XXXX  with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in different months of 2019 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sears credit card is constantly contacting me regarding the debt my husband obtained and in which he is incarcerated. I have told them numerous times and the continue to contact me all day long. And I tell them what is going on and apparently no one reads any notes so then they want to know all this information about me and I am not on this card with him. I was trying to pay as much as I could for him but due to me not being able to sell and buy my house I am unable to any longer afford his debt. But they continue to call for him all day long everyday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX has reported me as charged-off, even though I have settled the debt for {$850.00} with XXXX. The account was not a charge off, but rather a settlement and I have attached all the cleared checks to show the total of {$850.00} was paid to settle the debt in full.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 and XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 SECTION 602. A. 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 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.S. Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For Willful Noncompliance 15 USC 1692j. Furnishing certain deceptive forms

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 2016-10-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016 I contacted Experian to re-investigate XXXX Bankruptcy entires on my credit report, 2 days later I received the results in the mail, not only is Experian still reporting wrong information. They re-inserted a Public record that was deleted XX/XX/XXXX. This proves to me that Experian is being very unprofessional and vindictive when they are caught reporting wrong information from unreliable sources. please investigate.

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 2015-05-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX accounts on my credit report have morphed into XXXX. The XXXX original as late the XXXX collection accounts from the same people then the XXXX collections classified as late. Now I have XXXX late and XXXX collections from XXXX accounts. 
The original account was opened in XX/XX/XXXX with a CC processer. The original contract was for 3 yrs I closed it 51/2 yrs later. The XXXX contract was with the same processer ( unbeknown to me ( during that time I continued to pay the monthly {$10.00} statement fee ) ) This account was opened in XX/XX/XXXX. I then realized that it was the same outfit. The same company solicited my business then charged me a termination fee. 
I never signed personally for XX/XX/XXXX contract yet they have charged me. Only my XXXX # appears on the contract not my SS #. ( copy uploaded ). 
The same company has used at least XXXX different names, XXXX XXXX XXXX, XXXX XXXX, XXXX and First Payment systems. 
On my credit report, the charges are listed as a XXXX. There was never any line of credit between myself and these parties. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MO
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 account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )

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 2022-02-22
Company: Experian Information Solutions Inc.
State: TN
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:
In the Fair Credit Reporting Act it stimulates that student loans are need based loans that the Creditors did not view the credit score when you borrowed money. So there should be not in the consumers credit report and it is not a credit based.

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 2022-02-22
Company: Total Card, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has incorrect / missing data past XXXX. XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 
XXXX when disputing incorrect/missing data past XXXX for this line keeps reporting post dispute the line as a Charge off each month I submit a report to remove line due to incorrect/missing data & past XXXX. 

I have contacted XXXX directly who reports via phone that incorrect/missing data past XXXX can not be validated by them as they are unable to access the data due to age of the line. I was advised to contact the credit reporting to have the line updated/removed. 

When asking the XXXX owner who is updating the info incorrectly to the agency, the XXXX could not access the data due to the age of the debt. 

XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 

Requested XXXX to remove due to incorrect/missing data and the age of line past XXXX. XXXX instead keeps adding charge off indicator each month a dispute is added vs adding the original charge off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX for {$230.00} is incorrect. Insurance covers XXXX % since my daughter is on XXXX. It 's not my fault they never filed the insurance. Not to mention, I never received a bill for this. I 'm assuming it 's from where my daughter XXXX and her father was the responsible party at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
When I called Social Security to secure an online account with them, they told me my information did not match what Experian had reported so I could not have an account. When I received my credit report from Experian, I found no problem. When I called Experian they said it was because my information had been merged previously with another creditor and when that happens Social Security will not give me an account unless I spend XXXX hours going to the Social Security office. 

It is ridiculous that I should spend XXXX hours ( 1 hour each way and XXXX hours waiting to get an appointment ) in order to straighten out a mistake the credit bureau made. Could you please look into this? Other people surely have the same problem because the credit bureaus are so fouled up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE TWO COMPANIES VIOLATED MY CONSUMER RIGHTS, BANK OF AMERICA WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, XXXX, AND XXXX XXXX FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. XXXX never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.

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