BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I called Bank of America to inquire about assistance on our past due mortgage. On XX/XX/XXXX, my husband and I received a letter from Bank of America that we were assigned a dedicated customer relationship manager. The letter stated the customer relationship manager would work with us to determine if there were any programs available to help with our past due mortgage. We received by mail a packet and was informed to submit the Borrower Response Package. We faxed over all required documents on XX/XX/XXXX. We received confirmation that Bank of America received all the documentation needed to proceed. I continually called Bank of America and talked with different people and each time I was informed they had no information available. In XX/XX/XXXX we received a letter stating our mortgage was being transferred to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they were waiting on information from Bank of America on the transfer. On XX/XX/XXXX we received a letter stating the transfer would not occur. I continually called Bank of America and in XX/XX/XXXX, I was informed to fax over the Borrower Response Package again, because the XX/XX/XXXX papers I faxed over before were expired. I went to a Bank of America branch and faxed over the documents again. I have called Bank of America over and over and I keep being told they have no information that we ever applied for assistance programs. On one occasion I was told it was sent to XXXX XXXX. I called on XX/XX/XXXX and was told the XXXX XXXX process would be expedited in 2 days and to call back. I called over a week later and now I am being told they have no information on our need for assistance. The only contact we receive from Bank of America now are collection letters and collection phone calls. We continue to pay any amount we can at anytime we can. We are in the process of trying to get the loan back on track and payments on time. I just keep talking to different people that have no idea what is going on and can give us no answers.

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 2022-07-15
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:
I am disappointed to discover that the credit reporting agencies did not amend my credit record or totally remove the fraudulent items. In my most recent correspondence with the credit bureaus, dated XX/XX/2022, I demanded that they produce evidence supporting their assertions that the items I am contesting actually belonged to me. The Credit Bureaus still hadn't sent me any proper proof after a month had already elapsed. I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed items without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed items from my credit report. The following elements need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15
Company: EQUIFAX, 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:
i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2022-02-15
Company: Keystone Law LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I worked for XXXX XXXX from XXXX, I was hurt on the job and went to an XXXX Medical PC XXXX office. This bill is the responsibly of my employer. I have sent numerous calls and faxes to the XXXX XXXX and explaining I am not responsible for this claim.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
The Santander Consumer USA account had been charged off, and the vehicle has been returned to Santander Consumer USA. There appears to be an increased amount added to my charged off auto loan in the amount of {$770.00}. How can my account accrue charges if its charged off and closed? I want this item removed from my credit reports. And I will continue to dispute this being added after the vehicle had been returned to Santander Consumer USA and the vehicle is charged off. Im a XXXX military Veteran on a fixed income and do not need the extra burden that having this added to my account is causing. Im also an employee at the Veteran Affairs Hospital in XXXX Texas, on a limited schedule, and I am exposed to patients with Covid-19 on a daily basis. This is an unnecessary burden affecting my credit as if I didnt already have enough to worry about, having almost been evicted and facing homelessness in the wake of this pandemic affecting lives across the globe. They have their car, so I want my credit reports corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've complained about being a victim of identity theft multiple times already. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : AM 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 explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 second dispute about these fraudulent accounts and inaccurately reported accounts. XXXX XXXX account number XXXX is inaccurately reporting late payments.Its reporting late payments from XXXX, XXXX I HAVE NEVER BEEN LATE WITH THESE PAYMENTS. I also have XXXX XXXX/XXXX XXXX   account number XXXX is a FRADULENT ACCOUNT. I am building credit profile and these inaccurately reported accounts are causing emotional distress for me and my family.

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 2022-07-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I received a text message from CitiBank that illegal activities are on my accounts ending XXXX. That I need to change my password immediately. I always use Citi XXXX XXXX. As I change my password my cell phone not working. when I try to use it, I get a message that my phone has no network. The phone account is in my son 's name as the primary account holder. That evening my son call XXXX and we install a new sim card on my phone. Then I saw a lot of CitiBank wire transfers on my phone, happening on my checking and saving account. I call up CitiBank using the number on my Debit card. I inform the customer service representative that I am not authorizing any of these transfers. She transfers me to the fraud department and I complete the complaint and the Bank place my account on hold Then I went to the CitiBank branch in XXXX XXXX, NY, and open a new account. 
I file an affidavit for each account. the checking for {$27000.00}, claim # XXXX, and the saving for {$75000.00}, file a police report at the XXXX police precinct in XXXX XXXX, NY. 
On XX/XX/2022, I received letters from CitiBank that my claim to recover my money are denied. I need help 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 monetary relief
Consumer complaint received 2017-09-06
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our complaint is against CitiMortgage and their legal representation the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OH. XXXX. 
InXX/XX/XXXXwe started a mediation process with the legal firm trying to say our home from foreclosure. Without success. 
In XX/XX/XXXX we were served papers telling us to leave the home that it was going to be sold at sheriffs sale. 
We vacated the home found a property that moved into under a land contract agreement with the understanding that after three years we would be able to purchase property as is the required amount of time to wait after a foreclosure. we also put a down payment of {$14000.00} over a 3 year period as well at {$1300.00} per month rent. 
We waited our 3 years out and applied for a loan to find out the Citi had taken our foreclosure off the sheriffs sale website, because they had listed the previous owners of our old property as party of interest. 
Correct me if I am wrong but once we purchase the home in XXXX the previous owners gave up all rights to the home. As we had purchased a mortgage. 
The attorneys representing Citi had listed previous owners as parties of interest in our property and had found out that in XXXX XXXX the grand-daughter of the previous owner had filed chapter XXXX therefor ordering a withdraw of sale. 
Citi set on the property from XXXX XXXX till XXXX XXXX with not movement. They eventually released property for auction at which time title was transferred to new owners XXXX XXXX. Leaving us in position of waiting another year to be a able to purchase another home under FHA guidelines. 
We are now out of contract with our current home and the seller has increased the sale price and we our out the {$14000.00} because we failed to obtain financing, because of that three year wait period. 
I have compiled all documents pertaining to our foreclosure and how from the very beginning of the mediation process to the final sale to new owner Citi and their counsel have miss handled this case, simply by including previous owners in the process. 
I have spoke to legal counsel, XXXX county recorders office, chapter XXXX  office, XXXX county common pleas court, numerous FHA lenders, FHA ( to find out if they had a cavious report, which they have no record of ), representative of the law firm that represented Citi, ( which the response I received from the was, " we do n't have to give you free legal advise '' ), and proceed to hang up on me, XXXX XXXX XXXX that handled the close of our home back in XXXX and their in house legal counsel. Everyone I have spoke with has stated that this is a colossal mess and all stems back from Citi including the previous owners in OUR foreclosure. 
I would like action against Citi and their legal counsel.

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 2022-07-15
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, R XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}

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 non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I was notified by XXXX XXXX that there was a change on my Transunion credit report. I found that Transunion had added credit card reporting, defaulted loans information, credit inquiry information and an employer, all of which do not belong to me. These events belong to another person, whom I have disputed previously to be removed. Though this is a family member, in no way can their SSN, name or address be mistaken as mine and added to my credit report. This incorrect reporting continues to happen, and now also reflects their bankruptcy information and closed accounts! This has resulted in a reduction of my credit score at a time that it is most needed. This is preventing my financing for my Solar upgrade to my new home. This will also result in additional inquiries to get necessary financing to validate removal. I believe the issue is Transunion and their use of public unverified information possibly obtained thru a third party such as XXXX XXXX. I feel resolution of this is not being done in a timely manner, nor professionally and have done everything within my power to rectify this prior to this complaint. The individual that is reflected is my twin sister, but as earlier stated, does not have a similar first name or social. She has only recently moved in with me, but this RECENT change would not justify her previous history being reported under my credit report. I state that this issue is ONLY Transunion at this point and want complete resolution and removal of all discrepant information not pertaining to me removed. I am frankly surprised that this lack of identity match is being displayed for me to see which is providing me access to information I think should not be disclosed per FCRA reg 611-615

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 2017-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am concerned about the XXXX data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.

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 2022-07-15
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:
I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

Incorrect names and addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, Fraudulent accounts XXXX XXXX XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Alpha Recovery Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Alpha Recovery Corp. calls all day long during my work hours. Ive asked them to stop calling and send all correspondence through mail. Theyve begun to call my job and now my manager is involved because the woman said it was an emergency. I need them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
My credit score with XXXX was XXXX and now it is XXXX. I tried contacting them to find out why my score dropped. I have not applied fir any credit. It is very hard to reach this company by telephone. I need to know why my credit scorXXXX decreased. This is causing me a problem finding somewhere to live. Why did my credit score decrease on XX/XX/2022? 

I am submitting this complaint with my former address that was used at the time I registered with XXXX. I am homeless at the present time due to landlord, XXXX XXXX deceptive business practices and gross negligence.

Company response to consumer: Closed with explanation