BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/2023 I contacted Customer Service at Bank of America 's EDD division in regards to unauthorized transactions on my Prepaid EDD Debit Card from the time I was incarcerated. 

I filed disputes on unauthorized transactions totalling over $ XXXX. Transactions were not initiated by me. At the time, Mail theft was prevalent in my hometown area and our mailboxes were constantly being targeted by theives. It is during this time I believe my EDD card may have been stolen and fraudulently used. 

I followed up 3 days later inquiring about the provisional credits and how those work in regards to my claim. I was told that it wasnt going to happen in my case, and if it did it wouldnt happen for at least 45 or 90 days. I was under the impression they had to issue this provisional credit 10 days after filing the dispute, but may have been misinformed.

This would be my 3rd complaint with this financial institution. After not hearing any follow up from anyone at Bank of America in regards to my claim or my complaints, I again called them on the evening of XX/XX/2023 and spoke to the Fraud Department. At this time I was told my dispute had been denied. I never received any documentation regarding the denial or was given the chance to file an appeal. I did file an appeal however on the phone and reiterated the fact that i was XXXX  and therefore could not have initiated the transactions myself. I was told to provide a copy of my id card, a copy of the police report regarding the mail theft, and a signed statement of facts concerning the incident at hand.

My disputes were resubmitted. I was never told i had the opportunity to view documents they used to complete their investigation into the suspected fraud on my account and feel I should have been offered this as it is a requirement under Electronic Funds Transfer Agreement that this Financial institution uses. I was not given the fair chance to provide my documentation substantiating my disputes, either.

I would like a thorough investigation to be done on my disputes and valid documentation be provided in the event my dispute is yet again denied. I can provide all of the evidence in the world to support the fact i did not initiate transactions on my card while in custody, and feel as though Bank of America is denying my claim based solely on the fact that they have already issued millions of dollars back to cardholders ( theft of EDD funds/cards was extremely common during the COVID lockdown ).

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 2022-04-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXXXXXX XXXX XXXX # XXXXXXXX ..... 
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 explanation
Consumer complaint received 2022-08-19
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Purusuant 7 CFR 1782.3 A Charge-off is a write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received. According to federal law there is no such thing as an open charge off. GM Financial states that I have an open charge off hence why they reported a charge off to my consumer report. This is in fact, false misleading information and is affecting my credit worthiness. Also, according to the IRS Publication 4681 a charge off is income which the credit reporting agencies shouldn't be reporting income to my consumer reports. I have yet to receive a 1099c for the charge off and GM Financial keeps giving the run around with deceptive and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Atlanticus Services Corporation
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: Account status incorrect

Complaint:
I am calling about a discrepancy on my credit report with the following company XXXXFortiva They have updated the report like they received payment and when I called the company and spoke with XXXX XXXX. She said that I am in bankruptcy and they can not remove the account. I explained to the lady that I am not in bankruptcy and was trying to settle to get the information removed from a credit report. I was unable to get any resolution for them. This is preventing me from getting a mortgage so I want the account removed from my credit report. The account is 6 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Greetings, On XXXX of 2021 I helped my brother sell his vehicle and received a cashiers check for a little over {$37000.00} USD and went to the bank located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX, United States. I asked the bank teller if it was ok to deposit a cashiers check under my brothers name in my personal bank account. The bank teller proceeds to say, there is no problem as long as my brother knows and signs. The check was cleared within XXXX hours and the bank decided to place a 7 day hold due to the high amount. I said ok, no worries I understand this is a security measure. I call the bank that issued the check ( XXXX XXXX ) and confirmed with them that the check was indeed already cashed and in PNCs possession. Without any certified letters, or emails or calls to notify of a longer hold the bank has held my money FOR ALMOST TWO YEARS NOW!, i went to several branches I spoke to several managers and they only asked me ON A RECORDED PHONE CALL, that me and my brother should walk in the branch with TWO FORMS OF ID and our social security card. After this was done they promised the hold was going to be removed immediately. 

Me and my brother both went to the branch on XXXX XXXX XXXX XXXX, XXXX, IL XXXX, United States. Provided TWO FORMS OF GOVERNMENT ISSUED IDs and a original social security card. Once this was done, they again never notified of any updates. 

I received a call asking me and my brother to go back to the branch for a video call. This is ridiculous. PNC HAS HAS MY {$44000.00} USD on a hold WITHOUT ANY LEGAL REASON! I am tired of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT

MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as poss
ible.

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 2023-08-03
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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-08-19
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Spring oaks supposedly purchased a debt that was already added to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-06-21
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I acquired an FHA mortgage in XX/XX/XXXX for the purchase of my first home. It was arpprox {$130000.00} The mortgage has since changed hands twice. My current servicer, Freedom Mortgage, refinanced it at a better rate, but added a nearly {$11000.00} balloon payment to the back end, so I now owe {$140000.00} -- - more than {$10000.00} of my original mortgage in XXXX! I did not take any money out for the refinance. I had fallen behind in payments, but also paid most of that back during XXXX when XXXX XXXX had my loan, just before Freedom Mortgage took over. This seems very wrong, I don't understand. Please review the transfer from XXXX to Freedom and the refinance to make certain all amounts are correct. Also, please explain the balloon payment that has been tacked on.

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 2022-04-23
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses don not belong 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 2015-04-06
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationastar Mortgage has taken over our home loan as servicer and agreed to do a deed in lieu instead of a foreclosure. Now we are getting the run around after XXXX months of trying to finalize the process, this is still impacting my credit on a monthly basis. No one will give us a direct answer on the status and it is always the same thing that is it is being processed for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing some inaccurate information that reporting and harming my credit negatively. 
This company ( LAW OFFICES MBA ) has put a medical debt into collections against me illegally. 
Under 15U.S.C. 1681 sections 602A states : A. I have the right to privacy.

Under U.S.C. 1681 section 604A. section 2 states : A consumer reporting agency can not furnish an account without my written instructions. All these accounts and information these agencies is reporting is innaccurate and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate/inaccurate reported late payments. 
XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments and update to pay as agreed. My payment status on all 3 bureaus are totally different. Everybody should have the same thing reporting. I was never late on this account. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accuracy. Please update to pay as agreed. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: MD
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : These are inquires that need to be removed 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 2022-07-27
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Im writing in regards to my XXXX XXXX XXXX. On XX/XX/XXXX I made a payment for {$250.00} it was debited from my XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX Bread Financial ( who owns the cards now I guess ) made an unauthorized payment of {$250.00} making my account overdraft. I never authorized this payment, I wasnt behind in payments and nothing was due. It over drafted my checking account. When called they tried stating I didnt make a payment in XXXX but they came back and said I did but it wasnt showing on their end ( my bank account shows I did in fact make a payment ). Theyre refusing to fix this mess up and pay for their mess ups.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: MA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Account # XXXX Account # XXXX Account #, 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 2022-07-27
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A lease was improperly opened in my name in 2017. I was not notified of ownership or liability to this lease until several months after the lease 's beginning date. I did not accept the validity of the debt, but as an extremely XXXX XXXXXXXX XXXX the severe pressure to fulfill the invalid debt motivated me to take steps to " mitigate damages ''. It is Pennsylvania law that, when certain conditions are met, tenants may allow a subletter to take over the lease to mitigate damages. I met those conditions and furnished a subletter ; however, the original account opener refused to share with me the address associated with the lease, and therefore acted unlawfully. After working with a lawyer and threatening to sue via defamation of character, the original account opener immediately offered a settlement, which I refused. My lawyer advised me that I was but one of countless students that fell victim to the original account openers ' coercion schemes. The original account openers were unable to furnish original documents due to a change in employment of the person responsible for their management. As a result, the lawsuit was not taken further and the debt has remained invalidly on my report for several years, hampering my ability to secure housing and credit. The original account opener 's history of fraudulent and coercive tactics, their inability to furnish sufficient orginal documents, their refusal to accept lawful mitigation of damages, and their refusal to share with me the address associated with the lease amply demonstrates that the debt is invalid and should be removed from my reports immediately. Consider reviewing testimonials of former tenants as validation that the original account opener consistently engages in fraudulent, coercive, or explicitly illegal activity : XXXX : XXXX # rXXXX  XXXX XXXX  : XXXX # XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation