BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: Security Credit Services, LLC
State: VT
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:
There are 3 items on my report and by law it has been over 180 days and I no longer owe them debts, I have tried to dispute them and nothing has happened. I have told the creditors that it was illegal for them to use my name and birth date and social security number and the fact that it has been over a 180 days. I want these items removed off my report. By law they need to be removed. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRUIST FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX inquiry XXXX XXXX, 2020 REGIONAL ACCEPTANCE CORP inquiry XXXX XXXX, 2020 XXXX XXXX XXXX inquiries XXXX. XXXX, 2020 and XXXX XXXX, 2020

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 2023-11-12
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received one letter from Rausch-Sturb claiming that I owed money to them. They sent paperwork to have me served to an address that I havent lived at in over 5 years. I finally received a letter at my home address with no information on the original creditor, only the amount due. I sent a verification letter in accordance with the Fair Credit Reporting Act in XX/XX/2023 and did not receive a response until XX/XX/2023 when they had me served at my home. I still have no idea what the debt is, who the original creditor was, nor if there was any agreement for me to pay said debt.

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 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone either stole my debit card or hacked my account to use about XXXX XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. The person moved from near me ( XXXX LA XXXX to XXXX. 
I was home during the weekend and never left the apartment except for to walk my dog. I even have a statement with another credit card of having delivered food to my apartment on XX/XX/XXXX evening, though the person who stole my card seemed to hit many stores wandering outside in XXXX  XXXX. 
I got an alert on XX/XX/XXXX afternoon about fraud activity and called the bank immediately to report fraud activities and stop my card. My bank ( Bank of America ) promised theyd perform a fraud investigation and would get back ti me. And I didnt hear anything from them for 10 days. 
On XX/XX/XXXX, I found out on its website that my case had been closed. I called the bank and they said everything looked normal and my case has been denied, even though this person spent XXXX XXXX dollars in 2 days. That was 1/3 of my savings. 
I have never been in XXXX for 4 years. I never spent this much money and all abrupt purchases at convenience stores clearly isnt my consumers pattern. 
I am desperate and very scared about this since I need to pay for my bills soon and i have very little saving and income during this time. 
Please help me and let me know what my options are. 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 explanation
Consumer complaint received 2018-04-25
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I emailed MOHELA my student loan service company on XX/XX/XXXX asking for an amortization schedule. On XX/XX/XXXX, I received a response that i would receive a response within 7-10 business days. On XX/XX/XXXX, i submitted another request for the amortization schedule. On XX/XX/XXXX, i received a reply that the schedule was mailed to my home address. On XX/XX/XXXX, i received a letter from MOHELA indicating my monthly payment amount, my repayment plan, the interest rate, and the terms of the loan. On XX/XX/XXXX, i called MOHELA to inform them that i did not receive the amortization schedule. I spoke with two customer service representatives. The second customer service representative told me that i could not receive a schedule because i may make an extra payment, or make a late payment, or my interest rate may change therefore they could not provide a payment schedule. This is despite the fact that i have auto-debit, have made on-time payments for the life of the loan, and have received an amortization schedule from other student loan servicers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted disputes and affidavits, I got a response saying I can't be identified and I used a credit repair company. I am very upset because THESE ARE FRAUDULENT ACCOUNTS. So not only am I suffering with these FRAUDULENT accounts on my credit report, but I'm also accused of being too incompetent to file my own affidavit and disputes. I demand a response in 10 days. I also demand these fraudulent accounts be removed from my credit report ASAP.. If i dont have a response in a timely manner, I will be filing a complaint with the Office of the Attorney General.

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: CBC Companies, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and XXXX Payments are reported as late on XXXX, XXXX, And Innovis, although a double payment was made in XXXX to XXXX Bank XXXX number XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a XXXX XXXX  with Comenity Bank on XX/XX/XXXX and I still havent received the welcome bonus offers that I was advertised when opening up the credit card. I fulfilled the spending requirements by spending more that {$500.00} in the first 60 days of the card ( i reached the {$500.00} in my first week of getting the card and paid in full all my balances for that statement month ). 

This is clearly false advertising. I contacted the bank several times and they say they have escalated my case many times but no one is giving me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: MoneyLion Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. On XX/XX/2021 I confronted a person I was dating about some fraudulent activity I seen on my accounts through my phone when I allowed him to use my phone while I worked the one in particular that I noticed was on my MONEYLION account. I have my check being split into three different accounts at the time and {$250.00} of it's went into the Moneylion account. That turned out to be a very bad day because it turned out to be a XX/XX/XXXXXXXX incident and I had to file a police report in that police report I included the fraudulent activity I noticed on this account. I called Monday lion this past Saturday and I asked them via chat what I needed to do to open up that account or get access to my funds she said I was to send a copy of an unexpired government state issued ID as well as proof of residency address that is within 60 days I sent three different documents and I sent that on Saturday and I specifically asked her and I will send the screenshot to you how long will it take if I was to send an email to the documents today meaning Saturday she said 24 to 48 hours It also says this when you call them and you get transferred to them to give it two days this was on the XXXX that it happened XXXX XXXX today I have not heard nothing and I keep getting the runaround I have saved all of my chats with this company nobody 's giving me an answer I provided everything they needed everything they asked for I've offered the police report they haven't asked for that yet and I can not get an answer in them to release my account I just want my funds. Also you can not reach retention any other way but via email and you do not get responses via email I had to chat three times as well as call two times and still was refused any kind of access to them other than email and I was told it's being escalated three times. According to theXX/XX/XXXXsite they have quite an issue with presenting the way they do things one way in doing something completely different and I didn't even realize this and should have checked beforehand.Also that they freeze the money whenever they suspect fraud and they complete payments and they don't allow nothing else to happen to protect the funds but at the same time {$250.00} went in from work and I have two {$210.00} left because they they have taken out their money for their fees as well as they let another bill go through via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: SC
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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC 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 XXXXXXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2015 Balance {$0.00} ChargeOff ( XXXX ) XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/2015 Balance {$0.00} ChargeOff ( EX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Professional Finance Company, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had emergency XXXX in XXXX is 2020. After my XXXX I began to receive the bills as I was not covered at the time. I applied for and received state insurance and contacted all of the hospital billing departments to provide the insurance information. Most was resolved but there were a couple who continued to call and harass me. Professional finance co. being the main and last one I am writing you about today. I jumped through hoops for them and the hospital to get all of the correct information needed but this company will not comply. I have called and verified with XXXX XXXX XXXX hospital that they in fact were paid by insurance for this on two separate occasions. The last lady I spoke with said she had no idea why this company was coming after me, they had notified all applicable parties that this account is paid in full. Yet instead of doing their due diligence of calling the hospital to verify, they continue to harass me and destroy my credit instead of doing their job. They would rather waste everyones time and ruin people 's lives than actually do what they are there for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe Shellpoint Mortgage is dual tracking my home. I am currently undergoing loss mitigation with this servicer, but I have also received demand letters from their attorney, and my home is listed on my counties foreclosure site with a sale date of XX/XX/XXXX. I submitted a loss mitigation packet on XX/XX/XXXX. XXXX XXXX, the Single Point of Contact emailed me on XX/XX/XXXX to request documents that per the instructions of the loss mitigation packet were not required. I resubmitted my loss mitigation packet as well as the extra documents requested on XX/XX/XXXX to Shellpoint 's loss mitigation email, and also sent hard copies via USPS. I have tried emailing XXXX XXXX about issues relating to the loss mitigation process, and aside from the one email she sent requesting documents she has been unresponsive. Due to a XXXX that impacts my ability to understand and vocalize speech, I require that any communications be in writing, and am unable to call any of the numbers I have been provided for loss mitigation assistance. This is a reasonable accommodation I have requested from both the loan 's owner, as well as Shellpoint, and if they are not responding to emails this will have an adverse impact on my ability to receive loss mitigation assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Number XXXX  XXXX ( XXXX XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX XXXX ) Account Number XXXX  XXXX ( XXXX XXXX ) Account Number XXXX  XXXX ( XXXX  XXXX  ) Account Number XXXX  XXXX ( XXXX XXXX ) Reference number XXXX  XXXX ( XXXX  XXXX XXXX. XXXX ) 15 U.S.C 1681 SECTION XXXX A. XXXX i have a right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
From XX/XX/2018 to XX/XX/2018, CitiBank was running the following promotion : 1. Open a Citibank Account Package online at https : //banking.citibank.comXXXX XXXX 2. Deposit {$15000.00} within 30 days of opening the account 3. Maintain {$15000.00} for 60 days in the account 4. Receive {$400.00} within 90 days of meeting all the requirements.

As of today I met all the requirements of the promotion and allotted the 90 days to pass and have not received my {$400.00}. Below is a summary of the actions I took to meet the terms of the promotion : 1. I opened a CitiBank Account package online on XX/XX/2018 at https : //banking.citibank.comXXXX XXXX 2. deposited {$15000.00} on XX/XX/2018 ( within 16 days of opening the account ) 3. maintained the {$15000.00} deposit with Citibank until XX/XX/2018 ( 64 days ) 4. Allowed the 90 days to pass from meeting the terms of the promotion ( XX/XX/2018 ) I contacted Citi on XX/XX/2018 and their representative confirmed I had met the bonus requirements but were not able to tell me why the bonus had not been deposited into my account. I was then informed that they would open an investigation that could take up to 30 days to complete. I informed them that they acknowledged that I met the requirements so there was no reason to wait and to deposit the funds in my account. I gave them until the end of the business day on XX/XX/2018 to provide the {$400.00} or I would file a complaint with the CPFB. 

I elected not to wait for the Bank to complete their investigation as there are several reports on the internet that Citibank uses this tactic to not pay out the bonus. In those cases, only a complaint with the CPFB has resolved the issue in a timely manner.

Below is a link of several other Citibank customers who had to file a complaint with the CPFB to get their bank bonuses : https : XXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-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 monetary relief