BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were in process of buying home in Hawaii using a Hawaii mortgage company we had used before when we purchased a condo there, Upon going to Bank of America to get my banking info for the mortgage I was heavily wooed by Manger at Bank of America sayin they could give me much better rates credit for being a preferred client I was hesitate and questioned the loan officer if she had done mortgages in Hawaii because things are done a bit different there. She assured me  yes they do and could make the process so much better and easier for me and encourgaged me to cancel my mortgage with the Hawaii lender saying do n't feel bad its done all the time, Well from the very start I was lied to numerous times sayin everything was proceeding I have excellent credit score of XXXX min debt high income and mortgage was small. Every day after saying she had all documents she needed they would keep requesting more and more info stuff I never had to get for any other mortgage. She often did not return phone calls or emails I had signed contract and dates were coming due to have things done wiring more money etc She called me one day sayin everything approved you got your loan Only for me to go to online account to see they were requesting more documents and it was not approved at this point we were getting close for seller to back out because they feared we would not get financed I called her several times it took 3 days for her to call me back and I asked her why did you lie to me saying we got loan when it is showing not approved and really had to confront her and finally she said no you are not going to get loan lender wont insure in that lava zone This after a month of her assuring me everything was going well Also they did appraisial That took them over three weeks to get to my Hawaii mortgage company I had to go groveling back to and in the end the Hawaii lender got me approved quickly got insurance and we closed With Bank of America I almost lost escrow money and the house I dealt with several higher ups as well with Bank America I do n't know how I could be lied to and how much longer would I have been stringed along and lost the house and money

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 2021-06-30
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 : Fake debt collector insisting to talk to a person that I do not know and who is not related to my phone number. Already told him not to call anymore, but they still called until the number is blocked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: NY
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:
Subject Fair Credit Reporting Act 609 I want from Equifax The Original Contract Pay off disclose Interest pay disclose Balance History Payment history Credit insurance From XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-01-26
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2017-07-23
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: Account information incorrect

Complaint:
I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}.
Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.

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 2017-07-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: MI
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:
Account # XXXX & Account # XXXX I have had 3 loans with XXXX. One I closed out very early, due to problems. The othe 2 loans, I always paid a few years in advance. As the loans became due again, I would ask the teller to reapply principal to the unpaid balance. Each & overtime ic came to Bank to make payment. On several occasions I would have to wait for 10/15 minutes whiles the teller called that appropriate office for this request. Teller would write a receipt and I would been my way. Tellers were also informed that I had 2 accounts as well, so there was no confusion. I had multiple withdrawal slips at the XXXX XXXX, MI Branch for withdrawal slips, staff could go into account and always keep the account current. XXXX XXXX was the manager at the XXXX XXXX Branch at the time. Afterwards there was a lady name XXXX at the XXXX XXXX Branch. I now work with XXXX at the XXXX XXXX. Branch for a little more than a year, and have had no serious problems that could not be handled within the Branch. 4 Lates on one account and on late on the other has seriously crippled my scores. They should be running in the low XXXX XXXX and these 5 later showing for {$50.00} payments is something that is not my fault. The fault lies with the tellers not knowing what they are doing and telling the customer, that they could not complete the request at this time. I explain to XXXX what I need, and if it ca n't be done at the moment that I am there. He will inform me as to when the task will be completed. Also whether I need to come back into the Bank to sign a slip. The results I am looking for are that all later are removed from both accounts. I have had 5 years of perfect pay history with the other 3 Fiancial Institution I have dealt with on Installment loans for {$170000.00} and have paid them all off as this year. These are the last 2 that I have and will retire the XXXX debt on each account the beginning of next year. Please investigate and let me know the results at your earliest convience. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The following company, XXXX XXXX XXXX  used my credit profile improperly without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The company XXXX XXXX  XXXX also operating under the name XXXX has improperly used my information and reported inaccurate information to my credit profile. I have disputed this information with all three major credit bureaus and only received resolve with XXXX. This account being reported was being reported as two accounts with the same account number and different historical payment information and dates. This account has been deleted and needs to be updated with the other credit bureaus.

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 2017-12-04
Company: EQUIFAX, INC.
State: PA
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 disputed some fraudulent accounts with the credit reporting agency equifax and the information was deleted, now almost a month later it is reappearing on my credit report. 
These were the accounts that were deleted and removed from the report I received on XX/XX/2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and were opened in fraud ... XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-23
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 information incorrect

Complaint:
I was looking at my XXXX credit report on XXXX XXXX, 2017 and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XXXX XXXX, 2017 at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.

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 2022-01-26
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: MI
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:
Upon an annual credit report review, I noticed 1 potentially negative item reporting on my Experian credit report for XXXX XXXX XXXX  Michigan XXXX XXXX XXXX. I have tried to dispute the item multiple times without success. My case/ order of support was issued XX/XX/15. An individual does not walk out of court with an account, automatic payment plan, Payment booklet, etc. The XXXX has to set up an account in XXXX / XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is SLOW. I did not receive a pmt request until XXXX 2015 via mail, at which I paid the balance ; consequently, this organization was already in the process of contacting employer at the time to set up a wage garnishment. This is standard practice for all accounts. I was never given the opportunity to pay. This account will be 7 years old XX/XX/15. This was never a collection ; the balance is calculated based on a support formula that bills in areas for time in court. On a second note, if this agency wishes to maintain a collection on my report where is the 7 years of positive payment history? If they refuse to delete, I would like all my payment history added to report. In addition, when I switched employers, I went into the system to initiate individual automatic payments. regardless their standard procedure when I start new employment is to send a negative wage garnishment to the new employer HR department. I find the process embarrassing and unbecoming. I have excellent credit and payment records. Garnishments are negative, individuals should be able to set up payroll deductions without this type of tactic As noted, I have tried to dispute with Experian, the online resource provides error codes whenever trying to attach documents.

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Other problem getting your report or credit score

Complaint:
I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from TransUnion if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017,  10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: AR
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 fair credit reporting act XXXX account XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without 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 explanation
Consumer complaint received 2021-06-30
Company: National Credit Systems,Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have literally sent this company a copy of my SSN, a copy of my ID, a police report, a fraud packet. In the mail and in an email. And they STILL have not removed this from my credit report. It has been MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XXXX i sent transunion dispute letter to validate this alleged debt XXXX XXXX XXXX  XXXX XXXX XXXX and to prove ownership that this account really belongs to me. To this day they never sent me proof of this alleged debt. I am extremely stressed that Transunion is reporting unverifiable, invalidated account on my credit report. imma sue them, i cant deal with this XXXX.They are in violation under 15 U.S.C section 1692g, i was never notified of this in writing 5 days prior. I do not validate this debt. I REPEAT, I DO NOT VALIDATE this debt. They are also in violation under 15 U.S.C 1681b, i never gave any written consent to report this account on my credit report. NO CONSENT IS IDENTITY THEFT!!!

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 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
There are multiple fraud transactions on my Bank of America credit card between XX/XX/XXXX and XX/XX/XXXX. I found out these fraud transaction on XX/XX/XXXX because my Bank of America credit card went above the limit. I called Bank of America and multiple merchants including XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX immediately on XX/XX/XXXX. Bank of America issued a temporary credits to my credit cards. However, on XX/XX/XXXX, I received a letter from Bank of America and they said they're unable to refund 7 of my credits ( amount : {$170.00}, {$59.00}, {$230.00}, {$260.00}, {$120.00}, {$54.00}, and {$25.00} ) that were made by XXXX because they are unable to find the evidence and closed my case of fraud claim without even calling me to ask for evidence. I called Bank of America on XX/XX/XXXX and XX/XX/XXXX to reopen the case and so far I have receive no news from Bank of America. I also contacted XXXX customer service and they confirmed those charges are not made by my XXXX account. I faxed the letter from XXXX to Bank of America fraud department multiple times and still not resolve my case.

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