BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife died on XXXX and soon after Bank of America ( BOA ) froze her checking account and forwarded forms to be completed and submitted after probate. Connecticut has XXXX forms of probate filing : standard and small estate which is for estates have no more than {$40000.00} of solely owned assets. As the named executor of her will I filed under the latter. It should be noted that the small estate filing does not require that assets be transferred to an estate account pending disposition. 

Upon receiving the appropriate probate form I took it and the other required forms and documentation to the nearest BOA branch for assistance with their completion and submittal on XXXX. Bank representatives assisted in filing in the forms and said that they would electronically submit them. I requested a check payable to me and was informed that it would take three to four weeks for the processing and that I would receive a check within that time frame. 

Because I had no status reports from BOA I called the phone number on their document on XXXX and was told that they had no record of receiving any filing. I was instructed to return to the branch and have a branch representative contact them so that this could be resolved over the phone. 

I returned to the branch and after much phone conversation between the branch and a central location they agreed to issue a check for deposit to an estate account. The branch representative stated many times that there was no estate account and that it was not required. Basically the central location was saying no estate account no check, completely ignoring Connecticut law. The State of Connecticut Petitioner 's Probate Certificate XXXX Rev. XXXX sates : " The undersigned hereby certifies that the petitioner in the above-named estate has been authorized by the court of probate in accordance with the provisions of C.G.S. XXXX to sell or transfer the following : Bank of America Checking Account '' Because by now I was totally disgusted and wanted nothing more than to get out of there I agreed to accept a check that they would overnight. 

Upon receiving the check which I could not deposit, I contacted my lawyer who stated BOA routinely ignores Connecticut provisions. I have asked others if they had similar experiences with BOA. All were uniform in stating that in any dealing with BOA, they dictate the result. 

I request that BOA be directed to accommodate state laws that may have may require their acquiescence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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:
the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX ARS Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX  XXXX  opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX  Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX  XXXX  opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2022-03-04
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
Comenity Bank is reporting a late payment on my credit report on an XXXX and XXXX XXXX XXXX store card that were both closed back in 2018. Those accounts were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive tried to get in touch with XXXX Equifax and XXXX Theres been a issue getting my credit report and FILE. My consumer rights are to have full access to reports and FILE. As well as I advise them of my rights pre accounts sent in on FTC form as well as complaint numbers to ftc. Still advise me that accounts were either verified or to follow up with creditors per consumer right Im the only consumer can verify and account to me mind,, creditor reporting non factual information to tarnish my reputation and worthiness or credit is against the law without my consent it is Also identity theft. As well as all accounts thats reporting late payment like XXXX acceptanceReporting late payment are not fact per law 15 Usc 1666 b as well 15 usc 1681b ( 2 ) also if theres a finance charge included per law 15 usc 1605 A shouldnt be any late payments the sum of all charges so consumer cant be penalized me for something payed in full also 15 usc 1681e b which is requiring maximum possible accuracy which is not whats being reports on several accounts. Serval closed accounts and derogatory I asked to be removed because these accounts broke several laws cause me pain and suffering i And bad reputation due to they determined me per CRAS UN WORTH FOR CREDIT DUE TO THE non factual THESE CRA USing there platforms to ruin my reputation which they are breaking the law as well as creditors reporting these things without consent. They have not took my disputes serious neither have the too proper time to provide audit trail Ive been requesting CRAS KEEP USING LAWS THAT WAS MADE TO PROTECT ME AND MY FAIRNESS AGAIST ME AS A STALL TACTIC I WANT MY RIGHTS TAKING SERIOUS AND NOTHING LESS IM FED UP WITH CRAS AND CREDITORS USING THERE PLATFORMS TO SABOTAGE ME WITHOUT CONSENT AND FAIRNESS. Stop breaking law n helping other in unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went XXXX XXXX XXXX on XX/XX/XXXX and the emergency physician is XXXX XXXX. I received a bill in the amount of {$800.00} where XXXX was billed incorrectly opposed to XXXX XXXXXXXX XXXX. I contacted the XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about the mix up. 

They told me that they spoke to someone named XXXX at XXXX and she told the XXXX XXXX that it was paid on XX/XX/XXXX and the XXXX XXXX thereafter sent a duplicate claim on XX/XX/XXXX which was denied due to it being a duplicate claim. 

It was then sent to a collection agency by the name of On-line services in error and I started receiving harassing phone calls and having issues with the collection agengy damaging my excellent credit and dropping my score. contacted XXXX back and they stated the EOB was needed. I sent the EOB ( explanation of benefits ) via email to a manager at The XXXX XXXX by the name XXXX. 

The manager called the XXXX XXXX Claims Dept to get the original ck #, needed the EFT. Told me it would show paid with the XXXX XXXX but has failed to remove off if my credit which originally should not have been put on my credit due to their mistake of filing with the wrong insurance company. 

I am demanding that the entire debt not only show as paid but removed off of my credit completely and my credit score points restored. I was in the process of purchasing a home and my score has dropped 26 points because of their negligence. Your immediate attention in this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
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: Reporting company used your report improperly

Complaint:
This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 2. Account Name : XXXX XXXX Account XXXX : XXXX 3. XXXX ( XXXX XXXX : XXXX XXXX Bank ) Account Number : XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX 5. Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX Account Number : XXXX 9. Account Name : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX 11. Account Name : XXXX XXXX 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 2022-02-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I had multiple discrepancies on my credit report and I have asked for the information to be verified and removed. Neither has happened and I also wrote a demand and comply letter. I still have not received a response or any information that may have verified the discrepancies. This means the credit bureaus have also not complied with there policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: OH
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 tried to resolve this issue with Equifax for a while and they continue to violate. They are reporting inaccurate payment history on my consumer report and when i sent them a letter about it, instead of deleting the accounts for the inaccurate lates they reported they just deleted the payment history all together and kept the inaccurate accounts on my report. They are reporting XXXX XXXX XXXX They can not do that! Next i asked for the method of validation and they have not provided that either. Instead they put the Inaccurate accounts on my credit report AGAIN! DUPLICATES! So now i have XXXXXXXX XXXX XXXX on my consumer report which is MOST DEFINITELY INACCURATE! They have the same 9 accounts on my credit report TWICE! The first set they erased ALL THE PAYMENT HISTORY! And The second set of the same accounts they put on my report again with the same inaccurate payment history they put on there the first time! They need to be held accountable and disciplined for their deceptive tactics! Furthermore they are in violation of 15 USC 1681b as well as 18 USC 894.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XXXX/XXXX/XXXX we were asked by the father of a ( supposed ) exchange student to send a money order in the amount of {$1400.00} to his Bank of America Account : account number XXXX in the name of XXXX XXXX. He had given us a bad check for {$3800.00} and had asked us to use his money to buy his daughter a car. Our XXXX bank had said that the check had cleared but it had not. It was a scam to get us to send him our money. We filed a police report # XXXX. Bank of America froze XXXX 's checking account due to fraud and have not returned our money. XXXX also requested that we send a XXXX XXXX XXXX to XXXX in the amount of {$500.00}. I did that. So now Bank of America can reimburse us for the amount of {$1900.00} because his account is frozen due to fraud. Bank of America refuses to talk to us because it involves XXXX 's account and not ours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nationwide Credit is acting illegally and unethically in dealing with a debt. Their license in CA must be pulled for unethical behavior. At issue is the fact that we are trying to do a short sale. CA law forbids contribution to junior lien holders in a short sale. Nationwide, the junior lien holder, is trying to receive a significant contribution which is illegal. To make matters worse Nationwide a division of XXXX very well knows that their parent company 's policy is pay junior lien holders 8 % of their outstanding debt on a short sale. This is the amount being owed to the owner of the debt and their parent company XXXX. XXXX only pays 8 % they can receive 8 % too. What 's good for the goose is good for the gander. Try to illegally play a shell game and move this debt to their Nationwide department does not obsolve them of the requirement of receiving 8 % of their pay off for the short sale only! Nationwide/XXXX must issue an approval letter ASAP to match the amount notated on the first lien approval letter attached.

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 2022-03-04
Company: Amsher Collection Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Someone from XXXX XXXX XXXX called me on behalf of spectrum mobile and demanded for me to pay for a router that I got from XXXX  when I had them as my service provider. 

I have provided them a proof of my last bill that said all dues are paid and nothing is pending from me. No one from XXXX ever even called me to request the router back. 

When XXXX called me, I told them that I wouldnt pay what they are demanding however if they want I can return the equipment right away ( its of no use to me ), they rejected my request and a few days later I suddenly see they have negatively reported on my credit. This is how these people make money from unaware and helpless consumers. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX XXXX  Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXX XXXX  where I have reached out to them and the XXXX credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Twice over the last 5 years I've watched my score plummet by as much as +/- XXXX points! 
The first time was over 5 years ago, the second, just the other day! 
I asked for an explanation as to your protocol for changing these but was given NO EXPLANATION, simply a well, I don't know. 

I have NOT been late nor have I missed ONE PAYMENT in +/- 15 years! 

My score, prior to the first attack was nearly XXXX Now, after these XXXX attacks and IN SPITE of no late/missed payments you have forced it down to +/- XXXX! 

Will you explain your logic to me? It makes absolutely no sense! 

You may check my history back as far as needed to see both attacks, What you will NOT see are any missed/late payments! 

Overall, I've had my score drop from +/- XXXX to +/- XXXX! Despite not having any missed/late payments in more than a decade! 
I've approached both transunion AND XXXX and have gotten nothing but " ... Can't explain it XXXX XXXX. 
Do these credit reporting agencies answer to anyone? How are they able to get away with actions such as this?

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 2022-08-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
HSBC says they are closing my account and they will return my money once the account is closed, however, it's been almost 2 months since this started and still have not received my money. The bank gives me no explanation as to why they are keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Kashia Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Springwater Financial is not trying to work the problem out. I've paid {$590.00} on a {$350.00} loan and want an additional {$790.00} .Spring Water Financial continue charging 700 % interest and up on a {$350.00} loan is illegal in Ga. I have to keep renewing in order to keep payments current.They harass job and this unfair business practices in USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Account status incorrect

Complaint:
To whom it may concern, I am very upset with Experian. At this point I have a valid reason to file a lawsuit for incorrect reporting on my credit report. As of XX/XX/2022, Experian has intentionally changed the status of 15 XXXX XXXX XXXX XXXX  accounts in which I paid on time every month. Not just one loan account but 15 XXXX XXXX XXXX XXXX accounts. I paid the accounts on time every month. I just noticed Experian changed all my loan accounts that were paid on time and paid off accounts to charge off accounts in XX/XX/2022. I am not sure what representation has been working in my credit file but this a serious issue. This is resulting in a negative matter and it's hurting my credit file. I spoke with an attorney on today, he suggested I reach out to Experian to allow them to fix the mistake. I am giving Experian 72 hours to fix this mess they created. XXXX XXXX XXXX XXXX have reported those 15 loan accounts on time as they should. Experian took it upon themselves to mess up the reporting of those accounts. I have listed the account number below : XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct.no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX acct.no XXXX XXXX XXXX XXXX XXXX XXXX acct no. XXXX *Experian is responsible for this mess up and I want it fixed immediately. All of these loans were paid as agreed and on time and XXXX XXXX XXXX XXXX reported these accounts to Experian with a perfect payment history and Experian took it upon themselves to ruin my credit history by changing all account to charge off accounts. These accounts were not charged off, they were paid on time and in full. Please fix what you messed up immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was asked on Experian and XXXX security questions about a car loan that I possibly obtain in XX/XX/2015 and about the lending Institution and I have not obtained a car loan in XX/XX/2015 or any other kind of loan! I was denied access to my credit reports. I encountered this same issue about three years ago and was never able to come to get my credit reports. However today I was able to access XXXX credit report but I seriously need my other XXXX. I 'm afraid I am a victim of identity theft or something and I need some answers immediately, I 'm scared.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