BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
we opened a bank account for our company at Bank of America. We are just beginning and the deposits made to us are to start the advances to start the work for which our clients hire us. The bank is holding our money for up to 10 days, justifying that our account is new. The first time a check was deposited and we understood that it was withheld while the funds were made effective from one bank to another and it took 9 days to deliver the money, although our client had already had the money deducted from his bank account, and yesterday first XXXX a client deposited us a cash check to avoid the withholding of money and that the funds were available quickly and today we record retention of the check and that the funds will be available on XX/XX/XXXX. We are a company that is just beginning and this situation is affecting us because our company may be forced to close due to lack of resources and we are giving our clients a bad image by not being able to start the work for which they hired us on time.. The first deposit was made with a check for {$25000.00} on XX/XX/2022 and the money was in our account until XX/XX/XXXX, The second deposit was made with a cashier 's check for {$10000.00} on XX/XX/2022 and they say it will be available until XX/XX/2022. We contacted Bank of America and they tell us that the only solution is to wait

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 2022-08-02
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call almost every day multiple times a day.

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 2022-08-24
Company: Seidberg Law Offices, P.C.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Seidberg Law Offices is acting as a debt collector for XXXX XXXX. The vehicle in question was repossessed approximately 10 years ago. They have been garnishing my wages to collect a estimate amount of around XXXX. With my current employer they have garnished a total amount of XXXX. That doesnt include what they have garnished of the years. I contacted Seidberg Law Office regarding this supposed debt and they stated that I owe them over XXXX. I explained that the original amount was closer to XXXX and I have been having my wages garnished sporadically of the last 10 years. They stated that although I have made payments the amount more than doubled due to interest and their fees. This is causing undo stress on myself and causing a financial burden. I have XXXX XXXX children to care for and they take close to XXXX monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collections notice from The Thomas Agency on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX, notifying me of a debt in the amount of {$680.00}. I disputed this debt via letter on XX/XX/XXXX, but never received a response. In XX/XX/XXXX I went to apply for a personal loan through my bank, and was not approved due to this outstanding debt on my credit report. I contacted The XXXX Agency via phone on XX/XX/XXXX, and was told that they had mailed me a copy of the itemized invoice for my debt shortly after receiving my letter in XX/XX/XXXX. I reported that I had never received this documentation, and after verifying The XXXX Agency had my correct mailing address, requested another copy sent to me. The XXXX Agency reported they would mail me another copy ASAP, which I never received. I filed complaints against The XXXX. Agency and XXXX XXXX XXXX XXXX  with the Consumer Financial Protection Bureau on XX/XX/XXXX, but never received a resolution. On XX/XX/XXXX I received a letter from the The XXXX. Agency, including an itemized invoice from XXXX XXXX  XXXX XXXX showing an outstanding debt of {$440.00}. I contacted The XXXX Agency again via phone on XX/XX/XXXX, and was told the debt is in the amount of {$680.00}. I disputed this, as it did not match the documentation I received and it took almost a full year for me to receive this information. The XXXX. Agency told me it took so long because they did not hear back from XXXX XXXX  XXXX, despite my previous phone call in XX/XX/XXXX when a representative confirmed that the information was mailed to me. The XXXX Agency also said that they would be reaching out to XXXX XXXX XXXX again to address the discrepancy in the amount of the reported debt, and they would get back to me. In the meantime, they will put a hold on this debt being on my credit report for 60 days while the matter is investigated. They said that if I did not hear from them within this time frame I should try following up. This issue has debilitated my financial well-being for almost a year now.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: IL
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 accounts listed below have violated my rights : - XXXX XXXX XXXX  XXXX Acct # XXXX - XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A- 4 states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A- 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 explanation
Consumer complaint received 2022-08-24
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}

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 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed claims on several fraudulent withdrawals from my checking account in XXXX but BOA refused to honor one of the claims, and the reason being my ID was used for the withdrawals, although I informed them that I was physically in TX the whole time while all fraudulent withdrawals were teller cash withdrawals from several BOA branches located in New York : - First withdrawal, {$500.00} on XX/XX/XXXX from XXXX XXXX Banking Center NY ; - Second withdrawal, {$14000.00} on XX/XX/XXXX from XXXX XXXX Banking Center NY ; - Third withdrawal, {$9000.00} on XX/XX/XXXX from XXXX Banking Center NY ; BOA credited back my claim for the first fraudulent withdrawal of {$500.00}, but rejected the other one involving much larger amount ( total {$23000.00} ).

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 monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Monday XX/XX/2022 I mailed a XXXX letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
Dated on XX/XX/2022, CFPB Complaint ID XXXX Equifax Information XXXX XXXX stated XXXXXXXX XXXXXXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. And now on this XXXX Day of XX/XX/2022, I, XXXX XXXX, Federally Protected Consumer, is now demanding Equifax Information Services to provide documentary evidence of how EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. pursuant to Federal Law title 15 U.S. Code 1681e ( b ) Equifax Information Services LLC are required to follow reasonable procedures to assure maximum possible accuracy of the information. 
If Equifax Information Services LLC willfully and knowingly fails to comply with and provide such information in accordance to 15 U.S. Code 1681e ( b ), Equifax Information Services LLC will be fined {$1000.00} ( PER DAY of furnishing XXXX XXXX XXXX  ) for damages as a result of such failure according to 15 U.S. Code 1681o ( a ) ( 1 ) Equifax Information Services LLC will be held accountable for DEFAMATION OF CHARACTER as it is evident XXXX XXXX XXXX  is causing substantial harm to I, XXXX XXXX, financial reputation and Equifax Information Services LLC will be sued for any failure and damages with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Escrow analysis that I received is incorrect. They are calculating XXXX years of property taxes into my escrow, not XXXX year. Proof of all bills is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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:
XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies. 

Attached screen shots : XXXXXXXX XXXX-Transunion XXXX XXXX complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed. 

Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living. 

Their actions have caused my credit score to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX, shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased. 

I understand not having any credit score will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment. 

Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the XXXX ( XXXX ) year clock to stay on my credit report would restart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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:
XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies. 

Attached screen shots : XXXX XXXXXXXX Experian My complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed. 

Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living. 

Their actions have caused my credit score to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased. 

I understand not having any credit score will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment. 

Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the seven ( 7 ) year clock to stay on my credit report would restart.

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 2022-08-02
Company: PENNYMAC LOAN SERVICES, LLC.
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: Old information reappears or never goes away

Complaint:
I Spoke with the company regarding late payments and foreclosure on credit due to inability to find a place to live and getting denied automatically due to that. They said I would need to talk to one of the credit bureaus to get this removed. I submitted a dispute and information was not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: PA
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:
From a collection agency called XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My XXXX  loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and XXXX again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for XXXX weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day. 
2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the XXXX XXXX XXXX, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed. 
4 ) I filed a complaint with XXXX, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success. 
5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to XXXX XXXXXXXX XXXX website to file and it became very difficult and cumbersome. 

Any assistance in getting this matter cleared up would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent experian on XXXX XXXX a certified letter with returned receipt demanding that Experian delete accounts due to Inaccurate and incomplete account name and status. I sent proof of what XXXX is reporting the correct way as a way to show them ( experian ) of the inaccurate information regarding the tradeline name as being reported Inaccurate by Experian. Experian likes to play games and violate my federal protected consumer rights under FCRA statue that says that XXXX percent accuracy,100 complete and 100 verifiable has to happend to be on a consumer report. they are non compliant with FCRA law. they sent me a letter saying they verified and updated the account, but they never verified anything. I have enclosed proof that the account continues to report inaccurate. also they are punishing and asking me not to go to CFPB for help. for going to the CFPB for help. CFPB please help me. 

15 USC 1681e ( b ) Accuracy of report

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