BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, the natural person and consumer, did not receive any information regarding this alleged debt placed on my consumer report by SPRING OAKS CAPITAL. Nor did I receive the information required per 15 USC 1692g ( a ). As such, pursuant to 15 USC 1692c ( c ), I refuse to pay this alleged debt. SPRING OAKS CAPITAL have failed to provide adequate validation of the debt, such as proof of the existence of the alleged debt and outstanding balance, proof of a contract verifying SPRING OAKS CAPITAL can legally collect, and proof that SPRING OAKS CAPITAL is the current holder of the instrument. SPRING OAKS CAPITAL is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX yet SPRING OAKS CAPITAL is the company listed on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a notice that my credit was being run, I never gave permission for them to do so nor did I apply for a credit card with them. They should not have inquired without my permission.

This is the information below that I was notified on : TD BANK USA/TARGET C Inquiry : XXXX XXXX, XXXX  - Complete Dept. Stores No contact information has been reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 unauthorized money withdrawn amount XXXX. XX/XX/XXXX filed a fraud report and investigation through Citibank. The company told me it will take 10 business days for them to get back to me about their decision in regards to the 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 explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE INQUIRIES ON MY CREDIT REPORT WAS NOT UNTHORIZE BY ME XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: T.S. Holdings
State: TN
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 would like to file this complaint on I.Q Data International due to lack of verifying this debt, proof also lack of support in this tedious matter. I feel violated, compromised and devalued as a consumer. 
I was attempting to start the home buying process but after review of my credit report of a collection from my previous place of residency I was denied assistance due to being told this was reporting as an eviction in which I fulfilled my lease agreement so I knew that was untrue. I was very shocked with all sorts of confusion. I spoke with the collections agency after receiving a notice to verify as to why I received a letter. I informed the debt collector in XXXX to validate the debt but no information was given regarding the amount due of {$1100.00}. Even disputed this fraudulent charge due to leaving the apartment spotless so I had no clue why this was happening but no follow up from the dispute regarding. I then attempted to relocate the following year by renting another home but was denied due to the same account reporting negatively with a higher account balance which from what Ive read, once an account has been sold to a collection agency it can not have a past due balance as a collection is past due by default. However, on XX/XX/XXXX I called debt collector again after receiving another notice and asked again to please validate the debt. I was told by the agent the charge was for damage. At this point, I was really puzzled but continually advised there was no damage on my part. There was never a court date for this issue which shouldve transpired if this was so, pictures also a verification letter confirming details of the debt and once again the company has failed to show proof. 

Besides this situation, Ive never had any issues with a landlord and Im a really great tenant who takes care of any residence in which I reside and theres never much of anything to be done to accommodate the next tenant. This fraudulent charge reporting from this account isnt correctly reflecting the person I am nor does it accurately show my actual credit worthiness or trustworthiness as a tenant. 

In addition, this negative line on my credit is preventing me from purchasing my first home, a place where my children can permanently live also make new memories and I just want this nightmare to be over just to eliminate this account from my record. I would like to stress that the negative information being reported is totally inaccurate and fraudulent. I am simply asking that this account is thoroughly investigated because of the circumstances in which this has occurred with no validation of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: The Bureaus, 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:
Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Transaction history shows too many unaware charges XXXX fees that are not accounted for and created overdraft fees etc. I've been a Wells Fargo customer for 12 years. This is unfortunate.

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 2021-01-07
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/XXXX I received a letter in the mail from my Mortgage company stating my XXXX payment was short some {$300.00}. I promptly called them to ask why my fixed mortgage payment was suddenly short and the response was they felt my escrow account would be short and it needed to be adjusted. I asked for an accounting of how they got to the numbers they were quoting since no tax assessment had been made since I moved in to my property in only XX/XX/2020. I also indicated that I paid my own home owners insurance and it should not be factored into their escrow accounting. After spending about 45 minutes on hold, I was told to prepare an e-mail on their web portal and provide documentation of the home owners insurance payment. I did this and received no notification or follow up to how or what the new escrow amount would be. I continued to make my XXXX and XXXX mortgage payments without issue until this morning when I was notified by my bank that my XXXX payment would be returned from my mortgage company. I am currently back on the phone with them asking why I can not be notified of the current escrow account balance and what the new balance should be. I also want to know why they are returning my XXXX mortgage payment without notice. 
Since AmeriHome Mortgage has taken over my account, they have been unhelpful, uncommunicative and most importantly dangerous to my credit and good name. If this results in a negative report on my credit I hope there is something you can do to put them on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 received a letter from your firm stating that my letter requesting verification of erroneous items on my report has been classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous or irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed ( DATE SENT ) via certified mail, I will file a complaint with the Federal Trade Commission against your company. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
1. This account does not belong to me. 
XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete 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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Saturday XX/XX/ XXXX XXXX  with no explanation Capital One had closed my account without letting me know any knowledge and that the judgment is final and that I can not dispute their judgment but I've never had a credit card before I've never been in debt to my knowledge I've never been in trouble for credit fraud or anything that has to do with money never they're the only place that would give me a line of credit of {$300.00} and they can see that my yearly salary I can pay that no problem I make almost {$80000.00} a year why nobody else will give me credit I don't know nobody will give me a shot except for Capital One but within 2 months they shut my account down without explanation I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There are 2 accounts with Bank of America that can not be found with Bank of America but is reporting on my report. I have opened various disputes but the account remains. I do not know what to do. 

One account is closed with a balance of XXXX and XXXX. 

Please help me remove these accounts.

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 2022-10-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my address on my report are wrong XXXX XXXX XXXX XXXX  Ca XXXX i never lived in california alos this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the hard inquires are 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 explanation
Consumer complaint received 2023-10-23
Company: CCF Intermediate Holdings LLC
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
was this company and location that to my knowledge shouldn't have opened the account. It was stated by representatives at the CheckSmart location that the account shouldn't have been allowed to be opened because it was purposely misled. The representative that processed the account opened it with in accurate information. How is it that this was allowed to happen from the very beginning? This account was forced and the representative that opened was openly told that they it should have never been processed. It is your establishment that works with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 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 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 3-4 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 explanation
Consumer complaint received 2019-04-09
Company: Reverse Mortgage Solutions, Inc.
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am the court-appointed personal representative for my mother 's estate. Once I was appointed the personal representative in XX/XX/XXXX, I contacted Reverse Mortgage Solutions to request an extension in order to sell my mother 's property, which had a reverse mortgage on it. I was told by XXXX that because the loan is " old, '' they were unable to grant an extension without the house being put on the market immediately or having an offer already in place. XXXX informed me that if the loan was newer that I could just request an extension and it would be granted. I requested a copy of the appraisal that I was told was completed on XX/XX/2019. I never received a copy of the appraisal. This was requested verbally and through email at XXXX. I paid for my own appraisal of the property and decided to seek out investors for an all-cash, quick-close offer and kept RMS informed when I had an offer on the table and asked for another extension. My request wasn't even acknowledged. On XX/XX/2019 I requested a payoff amount through XX/XX/2019 and received it on XX/XX/2019, but I noticed that this company charged a {$720.00} fee on XX/XX/2019 for " Corp Adv- Prop  Preserve Other. '' I contacted the company on XX/XX/2019 and asked to speak to a SPOC  agent, as this was what I was told to do in the email with the payoff statement if I had any questions. I spoke to XXXX, who indicated that she could not tell me what the {$720.00} fee was for and that if I wanted to know that I would have to request that information in writing, but it could take up to 30 days for the company to respond. This company is incredibly unscrupulous and clearly lacks transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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 am filing a complaint here today in order to investigate some accounts in my credit report which I believe to be erroneous. These accounts must be validated immediately to prevent more harm to my credit file Here are the aforementioned accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00} I already sent the necessary documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please verify and investigate the accounts above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I discovered that there were debit card ( Citibank Checking Account ) transactions that I do not recognize or authorize. I called the Citibank customer service and filed a dispute on 12 transactions in a total amount of {$1500.00}. all of them happened between XX/XX/2023 and XX/XX/2023. The agent over the phone told me that they will review the inccidents and credit the amount withing 10 days. However, it did not happen and I received a mail saying that I am responsible for those charges. 

During the perioud and even afterward, I have had the debit card with me all along and nevered revealed the card number or the PIN. While those transactions occur in other states such as PA, MN or in XXXX XXXX, CA, I stayed at home or at work in XXXX California. 

There were 10 XXXX transaction, within 3 days and 8 happend on the same day. Even none of them in an amount over {$800.00}. In anyone 's eyes, it looks suspecious enogh and I believe Citibank should have noticed it before I take a look at my transactions and should also have blocked the transactions. And of course proactively let me know, just like other financial institutions do. ( I had experience with Case card being blocked and notifying and requesting confirmation by text messages, as out of state transaction occur. ) I am writing to an appeal letter to Citibank, as well as submitting a complaint here. 
Copies of the letter from Citibank and the statement ( With the transactions underlined ) in PDF format 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 monetary relief
Consumer complaint received 2021-01-07
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is sort of a long story but the short version goes like this. At the start of last year ( pre COVID-19 ) I began the process of filing my taxes and was successful. I was to receive about XXXX Dollars that would have and should have made a huge difference in my life. At the conclusion of filing my taxes the federal government halted any wage garnishment, tax refund offset and social security off set due to the ragging pandemic which let myself and many other reeling on what to do. Well off course this predatory and useless debt collection company ( Professional Bureau of Collections of Maryland ( PBCM ) ) took my tax refund of about XXXX dollars!. This company is almost impossible to contact and does not return phone calls. I hope this doesn't happen to anyone else and I hope that this issue can be resolved with the company refunding me ever last XXXX the stole from me. This was my tax money that they unlawfully took from me! Thank you!

Company response to consumer: Closed with explanation