BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
bofa refuses to credit my acount my checking acount with the money that was stolen from my acount by hackers my acount was hacked by hackers and a substantial amount of funds stolen from my checking acount and b of a refuses to credit my acount with this fund amount that was stolen from my acount.?

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 2022-06-28
Company: EQUIFAX, INC.
State: OH
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:
As of XX/XX/XXXX DEPT OF EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Still is reporting XXXX open accounts, all XXXX are reporting inaccurate various LATE/ MISSED Payments from XXXX & XXXX inconsistent dates on all three credit bureaus, that is a total of XXXX payments reflecting. 
I have attempted multiple times to reach out directly and have these payments updated to accurately represent my credit worthiness with no changes even after consolidating my federal loans. 

I am asking for help to have my credit report fairly represent me as a consumer, to promptly remove these inaccuracies. These student loans are listed multiple times on my credit report. This single debt shows up as several accounts, it is significantly impacting my debt-to-income ( DTI ) ratio and affecting my ability to qualify for other forms of credit, including a home loan to provide my children a new permeant and stabile home life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Freedom Mortgage Company
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a foreclosed property to renovate with a XXXX loan in XXXX of XXXX for $ XXXX in XXXX, Maine with Freedom Mortgage. I was given a HUD appointed consultant ( XXXX XXXX XXXX XXXX ) to release payments for quality work. My first contractor ( XXXX XXXX ) was inadequate after botching foundation repairs and was ultimately fired but was given money for things he didnt complete ( $ XXXX ). After waiting out a lien sign off refusal, the second contractors ( XXXX XXXX  ) started in XX/XX/XXXX. We had a plan to complete a downgraded version of the home but they did not consult town code enforcement before performing work which they were paid for ( $ XXXX ). The problem was first floor beams and foundation but they used most of the renovation budget on other things which left me with a half demolished home. I would have to ask for an additional $ XXXX to complete the home because of pandemic price hikes pushing the price of the home pass its value and my budget. I hired a lawyer to assist but told my case against all 4 entities would be slim and may be more costly than the reward. In XX/XX/XXXX, I hired Real Estate agent and Short Sale Cooperative to short sell the property so I can purchase another home for my family. After 5 months Freedom Mortgage says the house was unlivable and rejected selling to potential buyers. Its confusing when it was unlivable before any renovation which puts me in a Deed in Lue or Foreclosure situation. Since I am a building novice, I just paid mortgage on time and assisted the contractors making sure they got reviewed for payment when requested. I thought the XXXX loan was to protect me from this exact issue but everyone else got paid and I am left without a house, potential debt and credit hit. I could use any assistance to help protect consumers from further professional abuse.

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 2022-08-22
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 would like to see if you can accept additional documentation on my original claim. I called earlier and XXXX said I could not since it had already been sent to the company. I have a copy of a check sent to me by Bitcoin for $ XXXX that I was supposed to send to a bank in California for safekeeping from the hackers. I did that, then I started getting suspicious when they asked for another {$90000.00}. I emailed Bitcoin and asked for a copy of the font and back of the check with no response ever. 

I have also made 2 police reports that I made, 1 with the intake policeman at the police station, then it was turned over to the fraud department. They didn't deal with it at all. 

I contacted the FDIC and was referred to you. Please inform me of anything I can send in addition to what I have already sent in that would help to determine my case. 

I am XXXX XXXX XXXX next month and do not deal much on the computer and know what is expected in correspondence of this magnitude. This money was withdrawn from my retirement account as part of my daughter 's inheritance and she is very ill at the moment so I wanted to give it toher early. 

I can send you copies of the check and the police department. The hackers told me I couldn't go to the Bank to discuss this because they thought it was an inside job. That made sense to me because I never have that kind of money in my checking account.. I would like for the CFPB to wait until the decision has been made because I was told by the police not to communicate with Bitcoin or the hackers again after that. I don't want the hackers to be aware that I am delving deeper into this. I am old and not in great helalth, worked hard for my retirement. Please help I can fax the info to you or email 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 explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2022-06-28
Company: EQUIFAX, INC.
State: MO
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 Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IVE SENT SEVERAL DISPUTE LETTERS BY CERTIFIED MAIL AND ONLINE DISPUTES AND NOTHING HAS HAPPENED. I STILL HAVE NOT HAD THESE ITEMS REMOVED FROM MY CREDIT REPORT BELOW ARE THE INQUIRES THAT NEED TO BE DELETED DUE TO NOT BEING MINE OR NOT AUTHORIZED BY ME. 
BELOW ARE THE INQUIRES THAT HAVE NOT BEEN REMOVED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW ARE THE ACCOUNTS THAT WERE SUPPOSE TO BE REMOVED OFF MY REPORT DUE TO THESE BEING AUTHORIZED FOR REMOVAL BY XXXX XXXX XXXX XXXX- ACCOUNT NUMBER -xxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XXXX -ACCOUNT HAS NEVER HAD A LATE PAYMENT. REPORTING HAS SHOWN A LATE PAYMENT IN XXXX ACCOUNT NUMBER 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 2018-05-30
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I hired XXXX to help me with improving my credit. When I called to terminate their service, They tried to add a hiring fee. I am paid up with this company and they wont terminate their service with me. I had to pay XXXX dollars to stop any future payments withdrawn from my checking account. I don't need their services anymore and need help from this company from taking my money. Thank you if you can help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 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 2022-04-25
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:
IVE SENT SEVERAL DISPUTE LETTERS BY CERTIFIED MAIL AND ONLINE DISPUTES AND NOTHING HAS HAPPENED. I STILL HAVE NOT HAD THESE ITEMS REMOVED FROM MY CREDIT REPORT BELOW ARE THE INQUIRES THAT NEED TO BE DELETED DUE TO NOT BEING MINE OR NOT AUTHORIZED BY ME. 
BELOW ARE THE INQUIRES THAT HAVE NOT BEEN REMOVED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 BELOW ARE THE ACCOUNTS THAT WERE SUPPOSE TO BE REMOVED OFF MY REPORT DUE TO THESE BEING AUTHORIZED FOR REMOVAL BY XXXX XXXX XXXX XXXX- ACCOUNT NUMBER -xxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT HAS NEVER HAD A LATE PAYMENT. REPORTING HAS SHOWN A LATE PAYMENT IN XXXX ACCOUNT NUMBER 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 2022-06-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX, # XXXX DEPT OF ED/XXXX  # XXXX XXXX XXXX  violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: Nationwide Biweekly Administration, Inc.
State: MN
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
I signed up with Nationwide Biweekly Administration ( a service based in XXXX OH to make biweekly payments to my mortgage company on my behalf ) in XX/XX/XXXX and was charged an {$800.00} initial fee with the promise that over the life of their service to me, I would end up saving more than that amount of money in saved interest. Just 5 months later, NBA notified me that they could no longer deliver the agreed upon service of making biweekly mortgage payments on my behalf due to the loss of their banking relationships. 

NBA 's marketing when I joined said I was guaranteed to save money, and even now their web site claims " Our money back savings guarantee ensures that if you do n't earn your fee back in additional equity and interest savings, you can keep the equity that has been earned and we will refund you all of your money. '' I have contacted the company to demand a refund of my {$800.00} fee since they clearly can not complete the services they promised to deliver.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was issued a Bank of America ( BOA ) credit card and I never applied for it. Now BOA has sent me a {$95.00} bill for card services. I tried to contact them via phone and was told that they can't access my account without my social security number or the email used to create the account. I'm not giving BOA my SSN under these circumstances and I can't provide them with an email account I never used to sign up with. I was told on the phone to go to a branch office. When I showed up to the bank they told me that it was only a teller bank and I would have to go to another bank that is 30 miles away. I feel at this point that someone at BOA created this account without my permission.

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 2022-06-28
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-06-07
Company: Experian Information Solutions Inc.
State: PA
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  account # XXXX and Account no # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRY : 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