BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX in your response dated XX/XX/XXXX Bayview XXXX CFPB XXXX XXXX Requests for information. 
XXXX ( e ) ( 1 ) ( i ) A, B Notice of Error 1024.35 ( e ) ( 1 ) ( ii )  Different or additional error XXXX XXXX you state your records reflect that on XX/XX/XXXX a disbursement of {$1000.00} was sent to Family Sec/State Farm for hazard insurance XXXX effective XX/XX/XXXX through XX/XX/XXXX copy of the invoice is enclosed for reference once again you send 25 documents WOW voluminous for such a simple question, i understand Bayview trains its employees to send lots of documents, irrelevant documents, wasteful documents, documents that have nothing to do with the questions asked, and i will keep asking until you answer my questions, send documents as required by law to support your statements tell me the outcome of your investigation with supporting documents make the adjustments necessary send me documentation that you made the adjustments as required by law, you, Bayview can say as it has, Mr XXXX asks so many question, Mr XXXX has sent over 20 letters to Bayview, we have already answered those questions, but i will continue to ask until you comply with the law, please look up Bayviews responsibility under Notice XXXXf Error, Bayviews responsibility under Request for Information, Bayviews responsibility under Qualified Written Request The  statement you provided is FALSE. 
Of 25 pages NONE include any evidence of your claim in your response. 
1-send a copy of the two letters required by law you sent me before you purchase any type of insurance, your a perfect example of why CFPB had to create these guideline. 
2-please send the letter that you rec 'd from Family Sec/State Farm showing that the policy had expired was canceled or was unpaid on XX/XX/XXXX 3-send a copy of the policy you purchased send a copy of the canceled check showing you paid this policy 4-were you unaware the homeowner already paid for homeowners on XX/XX/XXXX? 
And no blah blah blah, our records indicate, blah blah blah, according to your mortgage agreement blah blah blah. Try to answer the questions i ask because i will continue to send letters until you answer my questions and provide documents, more documents, and documentation for all your blah blah blah.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Claim XXXX XXXX XXXX A distressing series of events, an i have become a victim of both EDD card theft and identity fraud, plunging them into a prolonged period of hardship. While Im playing on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but The situation unfolded when an unknown perpetrator gained access to my personal information, including my EDD card details. Armed with this sensitive data, around XXXX of XXXX the perpetrator embarked on a spree of fraudulent activities, leaving the unsuspecting me grappling with not only financial difficulties but also mounting medical bills. As i face the overwhelming burden of family expenses alongside of my own, weight of isolation an intensifies. 
The aftermath of having my EDD card and identity stolen has taken a severe toll on the me, fostering feelings of vulnerability, isolation, and helplessness. The months-long struggle to resolve the issue has worn me down, and the mounting pressure of unpaid medical bills further exacerbates the emotional and financial strain. The constant battle to rectify the situation can often lead to moments of despair and thoughts of giving up. However, it is crucial to remember that there is hope and assistance available to overcome these hardships. 
Recovering from stolen identity and financial hardship requires perseverance and a proactive approach. I took immediate action by reporting the theft to the relevant authorities, such as the EDD and law enforcement agencies an Bank of America. Simultaneously, reaching out to financial institutions, including banks and credit card companies, is vital to alert them of the fraudulent activities and mitigate further damage. As I am Seeking professional guidance, such as credit counseling services or legal assistance, can help navigate the complexities of identity theft recovery, providing a much-needed lifeline during this challenging period. Please find it in your heart to do everything you can as I am a god fearing man an i hope you are 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 2023-08-08
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking #. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting 100 % Accuracy. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Below are the accounts that were assumed to be verified, but have not been. I am asking that all accounts be removed these accounts are reporting inaccurately, improperly, and fraudulently. These credit bureaus are breaking the laws created by the FCRA as well as violating my consumer rights and that will not be tolerated. Listed below are the accounts I expect to be removed. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX/Dofed- XX/XX/XXXX Account Name : MohelaXXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX SERVICES ) XXXX Account Name : XXXX These accounts were opened fraudulently. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: Diversified Consultants, Inc.
State: WI
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:
Diversified Consultants is showing up on my credit report stating that it was in collections.

I have never been with Diversified Consultants. I later realized by researching that they were affiliated with XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to resolve this. 

XXXX XXXX XXXX informed me, that they had the wrong address on file and that they were completely at fault, my account was also paid in full. 

I have been struggling with this 1 mark on my credit report for years, and I just realized CFPB existed. 

I really would like to get this resolved, as the company gave me their word stating they would have it removed off of my credit report, and the account was paid long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my 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 2023-09-07
Company: Albert Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I thought I was applying for a loan like companies like XXXX, XXXX, etc. I downloaded app Albert. everything is confusing from there. A savings was set up I think, I realized it was not what I thought, so I have tried to cancel it. Instructions given were confusing, the details were not present in app, I emailed Albert.com and nothing was clear, there was not a live agent available. I want to be totally disconnected from Albert. Albert has yet to give me clear direction to be disconnected.jor cancelled. A note said there would be {$60.00} taken from my bank account. I do not authorize this!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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

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 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I requested a credit line increase on my business credit card account ending in XXXX with Capital One on XX/XX/2023. I received a denial letter on XX/XX/2023. The only reason given in the denial letter was : A credit increase on your account is not currently available upon request. 

This reason Capital One provided in not a reason. All that it tells me is that capital one denied my increase but it does not tell me why. A reason is something that explains why. I called Capital One 3 times on XX/XX/2023 to get the reason and I was told by 3 different representative, 2 of them being senior supervisors, that they had no access to the denial letter and could not read it. I told each representative the reason Capital One gave me and they all agreed that I was not provided an actual reason for denial. Although the Capital One representatives agreed that i was not given a reason, each representative said there was nothing they could do about it. I explained thoroughly to each representative that it is required by law to provide a reason for denial and although they agreed that that is true, the only thing the Capital One representatives said I could do about this is handwrite a letter to Capital One 's feedback department. 

I have been banking with Capital One for about one year. I have never missed a payment. My credit score is good. I pay the credit card balance in full every month. I have good credit history. I only have 2 credit cards. Considering how much i spend on this Credit Card, it is clear that I need a higher limit. Also my income has increased significantly over the past year. All of this information was provided to Capital One and they still denied my request for credit increase. I see no reason why Capital One would deny the increase and I was not provided with a reason for why they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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:
Ever since XXXX had a breach of their system they started reporting information on my account that is not true or not appropriate with my business of " XXXX XXXX ''. 

I have no delinquent accounts. 

More important is the report of excessive inquiries for credit. My business requires me to purchase supplies and residential properties, therefore it is only prudent to open accounts with vendors that offer zero interest for 6 months when purchasing several thousand dollars worth of supplies. " Balance to Ratio of Credit limit on revolving accounts '' This is only short term account until the remodel is completed and then paid off with the sale of the property. Also, when " XXXX XXXX '' looking for the best interest rate when purchasing properties is prudent and " Excessive Inquiries in the last 12 months '' is not appropriate. I thought " Like '' inquiries only counted as one inquiry such as purchasing a car, when looking you may go to several dealers to get the best price and each will apply for credit. That should not count as several inquiries.

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 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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 account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: PA
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:
Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( XXXX ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; Experian, XXXX and XXXX all are resellers of my consumer report without my written permission Experian, XXXX and XXXX have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A XXXX was instructed to remove the installment accounts and only removed XXXX None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX is in violation of 15 usc 1681 ( b ) ( a ) ( e ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report but in accordance. I the consumer did not give them consent to report anything. No consent is identity theft. I demand XXXX remove two collections accounts, late payment inquiries and hard inquiries from my 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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies XXXX, XXXX, TRANSUNION, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} TRASNUNION XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you

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