BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
Someone stole my information. they are using my date birth social security number.ID.they messing up my good credit by using my information.yes something need to be done about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I will have money in account and some how my money will be gone and they charge me a overdraft fee which I explained to the customer service people I don't have a overdraft protection on my account so how is any payments going through if it's no money in account. They will process the payment take my money then try to reprocess the payment again which would put my account in overdraft.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THESE COMPANIES ( XXXX, a XXXX, and Transunion ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did XXXX   verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have found inaccurate information on my credit report. I disputed the items in question and it was not fixed.

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 2023-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax continues to report an account with inaccurate information which is unlawful. I have tried to get this account removed on numerous occassions with photo evidence to prove my complaint is legit. Equifax has refused to do a proper investigation into this account which has caused me and my family to be denied credit or not apply do to this incorrect account. The CFPB continues to allow this credit bureau to cause harm to my credit report which affects the enjoyment of life for me and my loved ones. This bureau needs to be held accountable for their bad business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permissio
n. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 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 corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 2023-07-27
Company: EQUIFAX, INC.
State: DE
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXXXXXX 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 2022-03-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan ( Convention 30 yr ) with Select Portfolio Services , Inc ( Loan # XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( cell ). I've applied for the Pandemic hardship and submitted documentation according to the application procedures set out by the lender. However, during that process when nearing the XX/XX/ 2021 date, SPS began practicing predatory lending practices. For example, I would complete the documentation submission for Pandemic hardship application yet, SPS would kick it back as incomplete stating that I needed to submit a " Retirement Payout ( Income ) documents '' to which I would submit numerous documentations, ( upload to the SPS portal a written doc, send an email, and call my relationship manager ) stating that that document does not apply to me as I was not receiving any retirement income and it was as if they were continuing to make claims that my application was incomplete by requesting documents either already submitted or asking for documents that do not apply to me. Once I realized the predatory behavior was intentional vying the equity on my home and they seemed to be just postponing a " pandemic Hardship '' decision till the XX/XX/2021 when loan pause was removed by congress ( moratorium on Mortgage ) so that they could gain on my property and begin gaining rights to my equity and potentially sell the property. I am happy to provide dates and documentations if you need further documentation. XXXX XXXX XXXX My Former Spouse was a XXXX XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 credit bureaus stated my account was properly investigated but how is that possible is the dates is inaccurate and the date last reported is not accurate. this is grounds for removal they also violated my rights under law.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions. 

The accounts in question is XXXX XXXX XXXX account # XXXX ... Also XXXX account XXXX ... Also XXXX  account # 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 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX # XXXX has violated my rights 1 5U S C 1681 section 602 A States I have to privacy 15 U S C 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnished a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am concerned about the quality and compliance control system in Community Loan Servicing. My loan was sold to Community Loan in XXXX. In XX/XX/XXXX I received a notice of cancellation from my insurance company. I called Community and, after a long talk, was told that they will take care of it. That it was an error. I followed up with an email and supporting documents. I never heard back. 

On XXXX XXXX I again received a notice of cancellation. I called and after a time found this : - The loan should have had the insurance escrow transferred but didn't. 
- After my first call the team I had spoken to sent a memo asking to have my bill paid. They were told not to pay it as the escrow was not supposed to be transferred. This decision was not told to me. 
- When I called on XXXX XXXX I was told initially that the loan didn't include insurance escrow but after pushing found out that it should have been paid. 
- I have again been told that the bill would be paid. 

I am concerned about the competence of this organization. Were this my taxes I could have lost my house. I am shocked at the sloppy work and hope it wasn't deliberate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NJ
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed some address that were not mine. 
I disputed a collection account called XXXX. 
XX/XX/XXXX I disputed three chase credit card charge offsfor the wrong amount XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed XXXX XXXX XXXX  for wrongfully repossession of my car without contacting to get it back before auction. Now it is reporting on my credit for the wrong amount. 
XX/XX/XXXX I disputed a hard inquiry called XXXX thats not mine. 
I disputed previous employment XXXX XXXX  thats not mine thats repoting on my credit profile. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  TX is not my address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL is also not my address.

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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, I am writing to file a formal complaint against Bank of America due to their failure to resolve an unauthorized charge on my account and their inconsistent handling of my claim, which has led to a great deal of frustration and financial distress. 

On XX/XX/2023, I discovered an unauthorized charge of {$4000.00} from XXXX on my account. I promptly visited the Bank of America branch on XXXX XXXX in XXXX, CA, where they connect with the Fraud department by Phone. The Fraud department report that a claim has been open. 

However, when I followed up on XX/XX/XXXX for an update, I was informed that no claim had been filed. This confusion was exacerbated when I was told that a new claim could not be filed because one supposedly already existed for this transaction. This contradictory and confusing information has been a consistent theme in my repeated communications with the bank. 

I have called Bank of America numerous times, seeking clarity and resolution. Each call has resulted in either being told that no claim is on file or that a new claim can not be opened due to the existence of an alleged claim. This lack of clear communication and resolution has been both distressing and time-consuming. 

It has been over 30 days since the incident, and I am still without any definitive information or resolution. In addition, I have been unfairly charged interest on the disputed amount. I have reached out to XXXX directly at the Bank of America branch, confirming that they have no record of this rental transaction, indicating a clear case of fraud. 

Despite all evidence and my persistent efforts, I have received my XXXX credit card statement. I am being forced to pay not only the original unauthorized charge of {$4000.00} but also an additional {$150.00} in interest. The conflicting information provided by Bank of America representatives has left me in a state of limbo, unsure of whether a claim exists and unable to move forward in resolving this fraudulent charge. 

I urgently request your intervention in this matter. The handling of this issue by Bank of America has been inadequate and highly problematic, resulting in unnecessary financial burden and significant stress. 

Thank you for your prompt attention to this urgent matter. I am eagerly awaiting your response and assistance in resolving this issue.

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 2023-07-27
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented the storage unit in approximately XX/XX/XXXX, after losing my apartment to a {$650.00} rent increase. I rented the storage unit for {$110.00} per month. The rent was raised to {$120.00}, thereafter to {$140.00} and finally to {$180.00}, before I received notice earlier this year that my rent would increase to {$250.00} per month. I went to the office to explain that I could not abide such an increase with the rent on my apartment having gone up. The staff at the unit gave me a reprieve and didn't raise my rent to {$250.00} per month ; however, in XX/XX/XXXX, I realized that I would no longer be able to pay the storage and pay my rent - one of them had to be released. I explained that I would not be able to move everything out within the XX/XX/XXXX deadline, because I was moving alone - and at XXXX XXXX XXXX, that was just too much heavy lifting for me. The last item that I left in my storage unit was a bicycle. I removed that bicycle at XXXX on XX/XX/XXXX. I was told by management that since I accessed the storage unit during that day - I was then responsible for the entire month. 
Here is my complaint- why is XXXX XXXX allowed to charge me rent for a storage unit that I've moved out of? 
Why is XXXX XXXX able to charge such high rates, yet they are not forced to report good payments to the credit bureaus - yet they have access to report debt to the credit bureau. I called the district manager, XXXX XXXX XXXX, trying to negotiate this debt with her and I drove over to the facility on several occasions and she didn't respond. I just paid the debt in order to avoid collection, but that payment has placed a financial strain on me.

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 2023-08-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation