BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or around XXXX, First Citizens Bank ( FCB ), participated in the unlawful removal and transfer of funds from my bank account at their XXXX XXXX branch in XXXX XXXX. These unlawful acts involved the State of California Franchise Tax Board collecting what it considers funds owed it for XXXX income tax purposes. The order was invalid as no notification was provided whatsoever to myself, and the due diligence by the FTB was incomplete and a huge shortcut was taken by the FTB in failing to notify the account holder, myself, about any type of levy whatsoever. This makes the transfer of funds unlawful and FCB was alerted to this fact by myself, and chose to act in a felonious manner, regardless. Further, FCB could have verified the information it received, and should have, with minimal effort but made the decision not to and because of this misconduct, First Citizens Bank has involved itself in unlawful banking behavior. Completely unacceptable, this bank does not give a hoot about its customers to the point of helping their accounts get looted. This type of nonsense might fly in NC but this is corrupt California things are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. I several collections on my account that did not belong to me. While working on my report we realized that there was fraudulent activity on my report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now. please assist me with getting these items deleted.

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 2023-04-21
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In mid-XXXX, XXXX notified me that Phoenix Financial Services had me in collections for a {$3200.00} debt to XXXX XXXX XXXX. 

I know nothing about this debt, did not authorize and have filed a Police Report. 

This transaction needs to be removed from my credit history and my credit score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed from my credit report. 

Inquiry : XXXX XXXX BANK XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX BANK XXXX DATE : XXXX XXXX, XXXX Inquiry : XXXX XXXX DATE : XXXX XXXX, XXXX Account : XXXX XXXX DATE : XX/XX/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 2022-03-03
Company: BSI Financial Holdings, Inc.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I originally closed on my FHA Mortgage loan with XXXX XXXX XXXX on XX/XX/XXXX. I received notice that my FHA Mortgage was sold to BSI Financial Services in XX/XX/XXXX. Effective Date of Transfer was XX/XX/XXXX according to documentation. I have received a Notices to Taxpayer - 1st Half from the XXXX County Treasure office indicating that there is now a Delinquent Real Estate Property Tax amount {$1600.00} that became delinquent XX/XX/XXXX which was to be paid from my Escrow account by BSI Financial Services. I immediately called BSI Financial Services after receiving this notice on XX/XX/XXXX and the representative who I spoke to indicated that the transfer was performed in XXXX and that is why they were not paid. I was told that my property taxes would be paid. I have received another notice from the XXXX County Treasure office indicating these still have not been paid. I called BSI Financial Services again on XX/XX/XXXX to get an update to be told the same thing. I have {$4000.00} sitting in my Escrow account in which I have personally paid into and my home is at risk of newspaper publication for BSI Financial Services failure to properly cooperate & disburse payment to the XXXX County Treasure Office for the delinquent Property Taxes. After researching BSI Financial Services it appears that BSI Financial Services is known for inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums and it appears that I am now a victim of this. However it is not that its untimely it's that they aren't cooperating to pay them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Collection Bureau of the Hudson Valley, 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: Account status incorrect

Complaint:
I requested my XXXX and XXXX XXXX account to be closed whan I moved to a new address. XXXX and XXXX only shut it a few weeks later, and as a result I received a bill for a time period of several weeks during which I did not reside at that address anymore. I believe that I shouldn't be paying this bill. 
Collection Bureau of the Hudson Valley is attempting to collect this debt and has reported it to the credit bureaus. I an requesting this collection to be completely deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Expressed closed all of my card accounts on XX/XX/2019. I had been a loyal American Express customer for over 2.5 years and had a 99 % payment rate for all of my cards. Prior to closing, I held the American Express Platinum Card, the American Express XXXX XXXX Card, the American Express Business Gold card, as well as the XXXX XXXX XXXX Card. However, I had made a large purchase with my cards ( some XXXX for my family ) that American Express deemed suspicious. As a result, American Express put my accounts under financial review. I cooperated with American Express and the IRS and provided them with as much information as I could to help alleviate any confusion over my accounts. I had filled out the form 4506-T, the request for Transcript of Tax Return, along with the cover sheet to American Express. However, I had put the incorrect address on the form as I had moved and thus the request was denied by the IRS. After submitting the form to American Express, I had to conduct XXXX training ( as I am an XXXX XXXX service member ) which put me in a location where I was unable to receive any calls, texts, or emails. American Express tried to contact me but I was unable to be reached, and they closed all of my accounts as a result. Upon returning from training, I contacted American Express and tried to explain the situation to hopefully get my accounts reopened. However, they not only denied my request, they also denied my request to reapply for those same cards. Faced with no other choice, I have resorted to filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My loan was paid in full on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I still have not received the balance in my escrow account totaling {$5300.00}. My account shows payment was issued on XX/XX/XXXX, but I still do not have a check. I've contacted the company multiple times and they keep saying to wait a week. It has now been 6 weeks since my loan was paid in full or 28 business days excluding holidays and weekends. The CFPB regulation 12 CFR Part 1024.34 states that escrow funds should be returned within 20 business days.

My new address is on file with the company as I received a final escrow statement from the company at my new address as well as a paid-in-full letter. I'm not sure what the delay is in receiving payment, but the company is now in violation of federal law.

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 2023-12-04
Company: EQUIFAX, INC.
State: ME
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:
XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX : RESIDENT VERIFY XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 XXXX, Capital One Auto Finance and Credit card service been supplying XXXX XXXX, XXXX, XXXX and XXXX with harmful and negative information on me for over three years. These event are choosing me to loose sleep, develop XXXX hair loose, XXXX XXXX XXXX, waking up with night sweats, est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX  instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Paperwork was improperly written up for a forbearance. Worked with them to do a loss mitigation. They told me to make a payment in XXXX and I did. They then sent me a letter saying my next payment was due XX/XX/XXXX with a 15 day grace period and I was expected to make these payments until loss mitigation Paperwork was sent back. I sent the a payment on the XXXX and received an email today on the XXXX that they were sending me a check for my payment because my house was sold to a XXXX party on the 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 2020-04-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am XXXX. I requested several stop pays on XX/XX/2020. I followed up via secure messages and XXXX calls. My timely notice to place the stop pays was ignored. On XXXX, three entities made off with approx {$800.00} of my money which caused numerous overdrafts. Only after the stop pays were finally placed after a 3 hour hold phone call did chase charge me ( without notice or advice to change account numbers ) {$30.00} PER entity named in the stop ACH request, not {$30.00} for placing an account stop pay as I was led to believe. An advisor should have suggested getting a new account number!!! They charged me $ 300+ in fees to shield my account while my income is reduced. Further, this resulted in a cascade of {$34.00} overdraft fees - untold in number, approximately {$700.00} in fees. So I had my money stolen because chase ignored my request ( {$800.00} ), was charged $ 300+ in stop pay fees that didnt even work and I wouldnt have agreed to had an advisor told me the scope of fees and other alternatives, and then another {$750.00} or so in fees for using my account as normal. I want a refund for approximately {$800.00} in the 3 transactions I stopped in a timely manner, and all the fees chase charged me when they ignored my repeated requests for over 10 days! The fees alone are $ 1000+! I can not and will not be able to bring my account current until this is resolved. I am a protected class and I believe chase discriminated against me due to my XXXXXXXX, refusing to service my account in a way that I had access to ( secure messaging ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
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 status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2020-05-09
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly contacted NCA asking them to remove inaccurate information negligently placed on my credit report. NCA has been recalcitrant. This is unlawful and NCA should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Patient Accounting Service Center
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 ARstrat trying to collect the debt not mine. With a initial dispute, explained the debt is not mine and ARstrat responded that the information is accurate. Debt is belong to a minor of friend who visited my town. Debtor is not related to me or family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 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 XX/XX/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 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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On or about XX/XX/2020, I got a 30 late payment on all 3 credit reporting bureaus from XXXX XXXX   XXXX XXXX XXXX. I called collections department and spoke to a supervisor and she stated it was a computer glitch and it was a mistake. She said it will be updated and removed. It was updated but it wasn't removing because it's still showing on my credit 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