BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My phone was stolen and all of my information was compromised including my personal banking information. The person was able to transfer {$4500.00} electronically from my bank account to a third party company. The third party has no contact information so I then reached out to Bank of America multiple times with to initiate a claim and get updates. I was never notified about the status of my claim except for when it was denied and closed without any explanation. I not only had to continuously explain myself 10 different times to 10 different people but not one specialist that I spoke to can accurately tell me the proper protocol for a customer who is experiencing fraud on their account. I also learned that they did not accurately document anything that I told them even after the calls were monitored and recorded. I explained that I am in a situation where I can not move forward as far as maintaining my bills because I did not have the proper funds to do so.

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 2022-09-15
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on 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 2021-11-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX  2021 XX/XX/XXXX closed my account and refunded my initial XXXX deposit, and the balance on my credit account is still not reflecting this update. Also, they are reporting my balance inaccurately to multiple credit reporting agencies. On XXXX XXXX, 2021 they sent me an incorrect billing statement as well. They are damaging my credit by not reporting the correct information, it is discouraging, and I do not agree with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a threatening " time sensative '' letter from Bank of America on XXXX/XXXXXX/XX/2015. The notice was in regards to a Partial XXXX XXXX they 're servicing on behalf of HUD. I was to sign these documents along side a notary and return them to Bank of America. Bank of America told me to contact them and they will send a notary to me. I comtacted them XXXX times, and no one could help me because my SPOC was never and has never been available. I even scheduled a time for someone to call me and they called on the wrong day and time. I am a single mom and am trying to do everything possible to save my home. I feel as if Bank of America is pushing me into foreclosure on purpose. I do n't even know what my SPOC sounds like because he has not XXXX contacted me. The craziest part of it all is that if your SPOC is n't available, their policy is that NO ONE else can assist you. How do they expect a customer to know anything if your SINGLE POINT OF CONTACT does NOTHING to contact you and help you save your home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 account number 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 2021-11-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I would like to thank your company for the many great years of service that I've experienced as a consumer. I have been very loyal during this time, however, I am requesting some assistance from you if possible. 

I've experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however, there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late show up on my credit report, and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know. 

I would like to make a " goodwill request '' to have some or all of those late payments removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the " XXXX XXXX XXXX '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need. his is regarding the account : XXXX, Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: FIRST NATIONAL BANK OF OMAHA
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:
THE PROBLEM IS WITH INVESTIGATION THAT TOOK PLACE WITH CREDITOR FNBO THE COMPLAINT WAS FILED THROUGH CFPB AND RESPONSE CAME THAT THE INFORMATION IS ACCURATE AND BELONGS TO ME ITS ABOUT FNBO XXXX AND XXXX XXXX CARDS I SUBMITTED COMPLAINT TO XXXX ABOUT ADDRESS THAT DO NOT BELONG TO ME AND UPON INVESTIGATION XXXX CAME WITH A CONCLUSION THAT ADDRESS DID NOT BELONG TO ME AND ERASED IT AND THE ADDRESS WAS XXXX XXXX XXXX SAME ADDRESS THAT WAS USED TO OPEN THESE ACCOUNTS SO HOW THE VERIFY THAT THE INFORMATION IS ACCURATE WHEN THEY SHIPPED THESE CARDS TO THE ADDRESS THAT I NEVER LIVED IN? I UNDERSTAND THAT NAME DOB AND SSN IS MATCHING AND ARE MINE BUT IT IS NOT PROPER REASON TO BELIEVE THAT ACCOUNTS WERE OPENED BY ME THAT WHAT ITS CALLED IDENTITY THEFT WHENEVER SOMEONE IS USING YOUR INFORMATION WITHOUT AUTHORIZATION TO OBTAIN GOODS OR SERVICES UNDER YOUR NAME IF ITS CELLPHONE THAT THE NUMBER IS TRACING TO ME I HAD A OPEN DISPUTE WITH XXXX ABOUT STOLEN PHONE WHEN I ORDERED IT SO THERE IS ABSOLUTELY NO EVIDENCE OR SUPPORTING EVIDENCE TO KEEP THESE TWO ACCOUNTS ON MY CREDIT 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
Consumer complaint received 2022-05-16
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:
N accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Account 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 a Account without my written instruction.

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 2015-04-30
Company: Arbor Residential Mortgage LLC
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am wondering if you can assist me with filing a formal complaint regarding the servicer of my current XXXX loan that is serviced through Seneca Mortgage Servicing. 
I have been actively trying to get them to provide me with their Assumption requirements for my loan since XXXX/XXXX/15. They originally refused to acknowledge my loan is eligible for an Assumption, even though all of my origination documentation states it is eligible for an assumption. They then had stated they do not have an actual assumption process in place to support eligibility requirements that my mortgage qualifies for. Not having an assumption process in place as a servicer is also not aligned to FHFA servicing requirements, or those outlined under the CFPB requirements. They advised since they do not have a formal process, my only option is to refinance my loan, which is unfair, and deceptive practices in my opinion. They want to push my into a refi process to potentially charge me additional points, fees etc, which I am not the least interested in and have advised them accordingly a few times. They then sent me a letter for loss mitigation options, which I am also not interested in what so ever, as I am current, have always been current, and I do not have a financial hardship. As I have tried escalating this issues as a formal complaint with them, they also do not have a complaint process in place, no acknowledgement of my complaint, and no follow up with me on the issue. I am not sure if they as a smaller servicer, are also held to the same standards to manage a complaint process as set forth with requirements under the O.C.C., National Servicing Standards, CFPB requirements or by FHFA. The only time they respond to me is if I initiate another email to them online. I have let them know they had until last Friday, XXXX to contact me with an acceptable solution based on what my loan is eligible for based on my origination documents, which is well over 30 days from when I contacted them, followed up XXXX different times to work through the issue. I advised if they have not contacted me, like they have not been, my only other option is to escalate this issue to FHFA, you FHLMC, the CFPB, the O.C.C. and my state AG. They have not upheld requirements for all of these agencies to support an assumption process, have used unfair/deceptive practices to push me to products I do n't want/need, all due to their inability to service my loans to the eligibility/standards outlined in my origination documents I signed. 
Anything you can do to assist is appreciated. This is also all also documented in their online email site as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports :

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 2021-11-22
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. The accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2022-05-16
Company: EQUIFAX, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: CITIBANK, N.A.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in XXXX health and just had a XXXX. I am on XXXX and that is my only income. There was no possible way to pay for the home so we have been working with the mortgage company, Citi Mortgage, for over XXXX months. We were told if the home was on the market for XXXX months we could do give them the dead and walk away because of what they called hardship. I have sent in paperwork over XXXX to XXXX times and each time they let it expire before they look at it and demand it all over again. Each time the correct paper work is sent in, checked and verified, then left to expire again. We have to set up appointments each and every time just to speak to the woman who is to help us and every time she has no idea what we are talking about and we have to explain the same thing over and over. Now the home is going into foreclosure and they still act like they know nothing about the paperwork we send in over and over. I am afraid my home will go into foreclosure with out them even trying to work with us. I have XXXX to live on and with the XXXX taking every penny I have just to live, I can not afford to hire an attorney. Is there anything that can be done just to get them to hear my side and get this taken care of. I have done everything they ask of me, but they just put it off and act like they want only to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax reporting inaccurate information on XXXX XXXX. PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calvary Portfolio Services has called my place of employment 5 times on XX/XX/2018. 

Calvary Portfolio Services calls my personal phone at least 10 times a day everyday I do not want Calvary calling my work or my cell phone and I have already asked them to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
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 XXXX is a result of a fraudulent account of XXXX XXXX XXXX  sent in theft report and Equifax have not removed yet. 
XXXX XXXX is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX  is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX XXXX  is result of fraudulent account and Equifax have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am requesting that TRANSUNION remove tax lien # XXXX that is listed on my credit report in the amount of XXXX. 

The attached tax lien only shows the last 4 digits, no  dob, and an address that I 've never lived at. The XXXX XXXX XXXX XXXX ( XXXX ) states liens must have a full name, address, SSN ( full SSN, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the XXXX new rules that went in effect XX/XX/XXXX. In my last dispute in XX/XX/XXXX, I added a note to TRANSUNION which stated that it does not meet the new XXXX XXXX rules, but they did not remove it. 

I 'm requesting CFPB 's assistance in getting this tax lien completely and permanently removed from my TRANSUNION credit report. 
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 non-monetary relief
Consumer complaint received 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi I was charge {$200.00} for item that i never ordered or received.. and my credit card company said they investigated and sided with the person that stole my card or identity ... I am mad as XXXX .... the agent should be fired from capital one.. he don't know what he's doing or has experience he just sides with the other side.. I am mad ... I WANT this removed from my credit card bill {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
I am listed as one of the possible victims of the recent experian credit hack.

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