BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The BANK Of America has {$8100.00} ... and they're freezing my account based on me receiving this grant through the pandemic relief fund .I was given the opportunity to retrieve {$800.00} from the ATM through the appointment set by them .I paid the over due bills on line and paid for the things to perform a task and attempted to fetch a ride to a cooking event and my card was frozen .I received a call from a BOA representative of their fraud dept. checking to see am I who I am and it was cleared and upon my next attempt to fetch a ride to my cooking event my card was frozen and as were my account. It was approximately XXXX ... .and I was told the matter was being looked into AND it would take a matter of 60-90 dys. Now it's been longer than they've said and the nature of the city being shambles due to the looting, fires, and rioting NO financial centers were open and I had to go about my affairs in this fashion. I've reached out to the Small Business Administration and gave the information a fax number which was given to me by BOA and the SBA sent me an email directing me to you all because the money she say isn't SUPPOSE to be returned to them especially since I've already started administering 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 2016-03-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I complained to Equifax that they were reporting that I closed an account with XXXX. I sent them written proof that XXXX closed the account, not me and asked them to delete the account because of the error. They responded that they had verified that the account belongs to me. This is obviously an improper response indicating that they did not really read my dispute or are just trying to skirt the real issue. Since they did not respond to my actual dispute within 30 days the account should be deleted. It 's like I disputed something about apples and they replied about bananas. Equifax does take consumer disputes seriously. They should be forced to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We moved from XXXX to XXXX, and before moving, we went to XXXX and closed our account. Two years later, we have received a notice that we owe {$210.00} in account inactivity fees. We called XXXX and informed them we had closed the account two years ago. They say they have no record of that. Now we are receiving collection notices from Glenn Associates Mid-Atlantic, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX collection bill on my credit report that does not belong to me. It belongs to my sister in law. The amount is for XXXX dollars. My sister in law and I share the same name. We also have a common address involved as well.

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 2022-03-19
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2020-11-14
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:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 explanation
Consumer complaint received 2020-12-29
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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me.

I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2022-03-19
Company: EQUIFAX, 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:
It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: TN
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:
Experian is incorrectly reporting 5 credit accounts associated with a deleted chapter XXXX bankruptcy. Experian has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last 6 months for these 5 credit accounts. Experian has deleted an erroneous chapter XXXX bankruptcy from my credit file due to my identity being compromised last year, but has neglected to delete these accounts associated with the deleted chapter XXXX bankruptcy. The accounts needing DELETION are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX AND 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 2016-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is a second complaint about Bank of America 's business practices, designed as they claim " to protect me, my account, and themselves ''. XXXX deposits totaling {$4000.00} were placed on a 10-day hold, {$2000.00} on XXXX and {$2000.00} on XXXX. These holds have resulted in a returned payment to XXXX XXXX, and has caused my credit card account to be suspended until the payment goes through, which means that I am unable to use my primary credit card. I have also been charged a fee by Bank of America in association with the returned payment. 

I 've been on the phone with Bank of America 4 times today totaling 2 hours. All reps I 've spoken to say that nothing can be done about these holds since they ca n't verify the funds with the other bank. I know this to be false because I 've dealt with this exact issue multiple times before with Bank of America, and on each previous occasion holds have been released. The payer has verified that funds have cleared from his account. Another deposit from the same payer, with a check from the same account, made after these XXXX deposits, has already posted to my account. Reps have insisted that removing the hold is impossible, and have refused to escalate my issue to a higher department, claiming that there is nobody else that they can escalate this to. I know this to be false as well ; when I dealt with this issue in XXXX 2015 I had been in touch with an individual in executive management, whose phone number was given to me and who called me back after I had left a voicemail. 

I have been lied to and stonewalled, and Bank of America 's actions are causing me financial hardship.

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 2020-12-29
Company: EQUIFAX, 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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me.

I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: FL
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:
According to my Experian report, I am in debt to XXXX XXXX XXXX a significant amount ( they are a collections company ), however, when I contacted XXXX XXXX XXXX, they were unable to send me verification of the debt for four months! Then sent me a letter stating that they would lower the debt by 50 % after not contacting me for four months. I then sent them a dispute letter asking for 3 documents of verification. They reported the debt to Experian and I disputed with Experian and attached the letter I sent to XXXX XXXX XXXX. After 20 days, XXXX XXXX XXXX puts that the account is mine yet sent no real proof or any of the verification I asked for. Experian is aware of this yet they say all they can do is continue to dispute it or for me to ask XXXX XXXX XXXX to remove it from my report which they refuse to do and also refuse to verify the debt. XXXX already deleted the debt so why is Experian siding with the wrongful collections company, when I as the consumer for Experian, have more proof that the debt is incorrect?

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 2020-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer recently changed from XXXX to SPServicing. I understand that this happens occasionally with mortgage companies. I have been struggling with my payments since COVID started and I was under COVID protection with XXXX, which ends in 2 days. My protection runs out in 2 days. I am 1 month behind in my payments. The new company does not offer any COVID protection. The most troubling thing is that they are charging me a {$15.00} a month fee for making my payment online or over the phone. The only way to avoid the fees is to sign up for direct payments. That is not financially feasible for me at this time. It just doesn't seem legal for this company to charge more to make a payment when they are collecting interest on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote to the creditors, Experian, XXXX and XXXX regarding credit inquiries on my credit reports approximately 3 months and I am still waiting to hear from them. I have asked them to provide written proof showing that I authorized XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX to pull my credit. I did not apply for any loans or credit card with these companies. I need these inquires to be removed from my credit report. I will be contacting the State Banking Commission regarding this matter.

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 2015-08-19
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Castle Payday Loan Inc. sent me what looked like a solicitation for a Payday loan via the USPS on or about XXXX XXXX, 2015. After contacting Castle, it seems that the solicitation was an attempt to collect on a Payday loan, which i canceled more than three years ago and for which interest continues to accrue. They also refused to provide documentation supporting the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America supposedly gave me a mortgage for my home in XXXX 2003. However, I have discovered that they sold that mortgage in XXXX of 2003 to a pool of investors as part of a Mortgage Backed Security. I have a PSA ( pooled Service Agreement XXXX showing a series of Mortgages sold by Bank of America and the series of my mortgage being one of them. However, they continued to send me a monthly statement for years collecting on a mortgage that they no longer owned. This is Fraudulent. Then when I fell into financial hardship, without knowing about the Fraud, they tried to forclose on my home. If anyone had a legal right to forclose, it would be the new investors that brought the Mortgage Backed Securities in the open market. However they are not interested in owning homes just securities. The bottom line is that not only did Bank of America make the money twice over on the home, so did all of the investors as these Mortgage Backed Securities are traded in the open Market. Bank of America has fraudulently been charging me monthly for many years and then when payments stopped due to hardship and failed attempts at modifications which did not help because Bank of America was just placing the missed payments on the back end, they filed a judgement against me for non payment. The question is non payment of what? They did n't have the mortgage anymore?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made a deposit to Bank of America on XXXX/XXXX/15 for {$1400.00} and received a receipt that a deposit was accepted and would credited by the end of business, which it was. In the interim on XXXX/XXXX/15 they retracted the deposit and placed a hold on it until XXXX/XXXX/15. I did not receive any notifications, but in talking with the bank representative they claimed it was emailed to me on XXXX/XXXX/15??? How can you charge me a {$35.00} fee on XXXX/XXXX/15 without providing notice. To add insult to injury I was charged another {$35.00} fee on XXXX/XXXX/15 for a difference of 34 cents??? This is down right deceptive and should be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: FL
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:
According to my XXXX report, I am in debt to XXXX XXXX XXXX a significant amount ( they are a collections company ), however, when I contacted XXXX XXXX XXXX, they were unable to send me verification of the debt for four months! Then sent me a letter stating that they would lower the debt by 50 % after not contacting me for four months. I then sent them a dispute letter asking for 3 documents of verification. They reported the debt to XXXX and I disputed with XXXX and attached the letter I sent to XXXX XXXX XXXX. After 20 days, XXXX XXXX XXXX puts that the account is mine yet sent no real proof or any of the verification I asked for. XXXX is aware of this yet they say all they can do is continue to dispute it or for me to ask XXXX XXXX XXXX to remove it from my report which they refuse to do and also refuse to verify the debt. XXXX already deleted the debt so why is XXXX siding with the wrongful collections company, when I as the consumer for XXXX, have more proof that the debt is incorrect?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Genesis FS Card Services, Inc.
State: MI
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:
Multiple charges on my card from an XXXX account that was not my own. Charges at restaurants Ive never attended. Ive contacted the company multiple times and they just say it pending. They sent one letter saying to contact them and then denied my claim. If they truly invested they would see it wasnt my XXXX account that was used. Also was charged {$XXXX} annual fee that was never disclosed to me, when I called to try and cancel the card and refund my fee they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My amount was overdraft .XXXX cents. They charged me {$35.00}! It was in the overdraft state for a day!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief