BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2023-10-23
Company: Comerica
State: MO
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have been lied to several times about why my acct has a {$0.00} balance again, they gave the fees back to me, ( {$88.00} ) then took it back away from me 3 days later, when i called several times to ask why, they tell me that XXXX took it back out of my acct, i called XXXX more than once & they tell me they cant & dont do that,,, i want to know who is lying to me??? is this legal to treat elderly this way????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: BARCLAYS BANK DELAWARE
State: TX
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:
there are 2hard inquiries on my account from barclays bank delaware on XX/XX/2023 and XX/XX/2023 institution info barclays bank delaware XXXX XXXX XXXX XXXXXXXX delaware XXXX ( XXXX ) XXXX ive never been to delaware or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply

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 2023-04-28
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. 

Account XXXX XXXX has violates my rights. 

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: VA
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 applied for an auto 2 weeks ago and was informed that I had a delinquent judgement on two of credit reporting services.

I do not have and I have not been notified of it. 
It doesnt even show the company name. 
The information is false and is hurting my ability to get any type of loan. 
Please help me resolve this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Saturday, XX/XX/2022 I received a text message from " BofA Support Dept '' that listed two transactions, one of which was a XXXX transaction for {$3500.00}. It said " If you recognize this activity, reply Yes. If not, reply No. '' As done in the past whenever there has been suspicious activity on my account, I responded No. I received an immediate text from " BofA Support Dept '' saying that I would receive a call shortly. I received a call two minutes later from a woman who identified herself as a Bank of America rep. I also looked at the phone number that called me from ( XXXX ) XXXX and it matched one of the phone numbers listed on the back of my Bank of America debit card. The call followed the same pattern as my previous experience with Bank of America. The rep walked through a few transactions and asked if I made them. She also asked if I was traveling. She stated that they would be sending me a replacement debit card via XXXX XXXX ( which is what they've done in the past ). Then she stated that there was a {$3500.00} XXXX transaction to a " XXXX XXXX ''. I let her know that I did not know a XXXX XXXX and didn't authorize any XXXX transaction. She said that in order to reverse the XXXX transaction, I needed to log into my bank account online and follow her instructions using the case number, which I did. The call lasted for approximately 35 minutes. However, after our call ended I did not see any XXXX reversals ( only several XXXX transactions totaling {$3500.00} withdrawn from my checking account ), so I called Bank of America. Unfortunately, I learned that the office was closed for the evening. That's when I realized that I was a victim of fraud in the amount of {$3500.00}. I called Bank of America back at XXXX PST ( they open XXXX EST ) the very next day ( Sunday XX/XX/XXXX ) to file a claim. The Bank of America rep told me that the bank does not provide a credit back for XXXX transactions. After repeated calls and follow up calls to the claims dept., I found that the funds were sent to an account at XXXX Bank. Despite the fact that the XXXX XXXX Police Department classified it as fraud / obtaining money by false pretenses ( police report attached ), Bank of America sent me a letter stating that my claim was denied. A rep explained that they view the XXXX transactions as being approved by me, even though I wasn't approving them. I was following instructions provided to me by someone spoofing a Bank of America phone number and impersonating themselves as a BofA employee. I was shocked to hear from Bank of America that there are no protections from BofA for XXXX fraud. As a longtime customer of Bank of America for over 10 years, I feel that this is wrong. I filed a police report on XX/XX/2022 ( see attached ). 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CrossCountry Mortgage LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Went into mortgage negotiations and was told XXXX % down required depending on appraisal. Appraisal came back above the sale price. Lender said only option was XXXX  % down XXXX  days before close. He had us raise the sale price to cover some closing costs but then did not increase the loan amount which cost is every dollar in savings. I spoke to the branch and regional manager and they said this was not preditory and said they would call back and have not. They tried to blame me, my wife, my credit, my property and said since this was my first time I misunderstood ...... no, they lied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
Ive disputed the XXXX XXXX XXXX account showing on my credit report with all three credit bureaus Experian, XXXX, and XXXX XXXX and all three bureaus has claimed ACCOUNT VERIFIED. The XXXX XXXX XXXX account reporting on my account is showing an incorrect status of delinquency, incorrect balance, incorrect payment history etc. Ive tried to correct the issue with the credit bureaus but I dont believe I received a fair hearing according to the fair credit reporting act.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: FL
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:
When I applied for a automobile I did not agree with the extensive inquiries made by car lot. 
I was a victim of fraud and I did not agree with the inquiries made on my reports.

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 2023-12-01
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was using XXXX XXXX connection from XX/XX/XXXX. XXXX day, I visited the XXXX XXXX XXXX XXXX and saw an amazing offer for a mobile connection if you buy XXXX connections. I decided to go with the offer. They created my profile in their system ( XX/XX/XXXX ) and issued the XXXX card. After checking my wife 's phone, they said her XXXX was not compatible and the XXXX card would not work. They offered to trade in the phone for her, but I was not ready to upgrade at the time. Since only XXXX phone was compatible, I told them I did not want the service. However, they had already issued XXXX SIM card to me, and they told me that if I did not insert the XXXX card and port from XXXX, it would be deactivated after XXXX days. I asked them if they would charge me anything for the XXXX card, and the store representative said that no, I would not be charged. A month or XXXX later, I received a letter saying that I had an outstanding balance, and I was surprised why they charged me for XXXX connections. I went to XXXX for help, but they did not support me and asked me to call customer care. I told them my story, and they said that since I had taken the XXXX card, I had to pay. However, I had never activated the service, and they were still sending me invoices. After multiple calls with customer care and the billing department, they settled the amount, and my account showed a balance of {$0.00}. 
XXXX to XXXX months later XX/XX/XXXX, I received a letter from the Credit Collection Service with the following details : File Number XXXX XXXX XXXX Pin XXXX Site Name : www.ccspayment.com Creditor : XXXX  XXXX  Upon receiving the letter, XXXX contacted XXXX  's customer care, but they were unable to locate any records related to the issue since it had already been resolved. 
I consulted with some friends, and they informed me that I had likely received a fraudulent mail. After conducting a XXXX search, I discovered that the website mentioned in the email was indeed fraudulent. Consequently, I disregarded the mail, which I had received twice in XX/XX/XXXX. 
Yesterday, I noticed a decline in my credit score and discovered an entry for derogatory marks and collections ( XXXX XXXX XXXX {$200.00} ) opened on XX/XX/XXXX, in my XXXX XXXX report. 
Unsure of the appropriate course of action, I resorted to filing a complaint on this website after conducting a XXXX search.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received XXXX escrow shortage notices and have covered both. The company has not reflected coverage to the monthly mortgage payment. The first payment was sent XX/XX/XXXX, and the second was sent XX/XX/XXXX. The company, after XXXX separate customer support contacts, has not rectified this and insists on increasing my monthly payment. After each customer service engagement, I am unable to receive any kind of internal tracking or ticketing number, and I have been told to " wait an see on my next statement '', since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX XXXX has apparently been hit by a ransomware cyber attack. My mortgage servicer ( Lakeview Loan Services ) has been offline since XX/XX/XXXX. Their websites are down and they do not pickup the phone, the website gives a XXXX and the phone says 'agents are unable to access your mortgage records at this time '. I filed a complaint with the XXXX  yesterday, and got a response from the company. I followed up in email but have not heard back and am deeply concerned about my responsibilities related to my mortgage. Lakeview has provided no estimation for resolution, and no instructions on what to do. Presumably they would have had a cyber-attack business continuity and communications plan in place, but there is no evidence they are prepared for this event. Please let me know what I need to do in order to be responsible for my mortgage when they are unable to process or receive payments. Below is the only message I have received. What should I do? Thank you. 

XXXX XXXX : XXXX Customer : <redacted> We regret to hear of your experience, as we have received your XXXX  complaint through the portal. We do apologize for any inconvenience you XXXX have experienced. As information, Lakeview Loan Servicing , LLC owns the master servicing rights to your loan. Lakeview utilizes various subservicers for the day-to-day servicing of our mortgage loans. 

XXXX XXXX XXXX, the parent of XXXX, the subservicer on behalf of Lakeview, recently experienced a security incident impacting their related systems. Immediate steps were taken to protect customer data by locking down access to account information. As a result, the mortgage servicing systems have been unavailable since the issue was identified on XX/XX/XXXX. Efforts are underway to restore system access as quickly as possible, while protecting customer data remains a priority. XXXX has been unable to process monthly payments, or payoff statements because of the situation ; however, phone lines are open to assist customers with concerns. Updates will be provided as systems become available. 


Thank you. We appreciate your partnership. 

Lakeview Loan Servicing XXXXssue Resolution Unit Should you need to contact us directly, our team email address is as follows : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On TUE, XX/XX/, upon several attempts to speak directly with a *live* LAKEVIEW LOANCARE Customer Service Rep at their Toll-Free XXXX XXXX XXXX XXXX XXXXXXXX to verify that our XX/XX/2023 MORTGAGE Payment was *processed/posted*, we received the following *auto-recording* " XXXX XXXX ARE CURRENTLY DOWN, AND AS A RESULT, OUR AGENTS DO NOT HAVE ACCESS TO YOUR LOAN INFORMATION. " ; however, on XX/XX/2023, we were able to locate a separate Toll-Free # ( XXXX ) XXXX ( as of yesterday, now *OUT-OF-SERVICE* ) enclosed in our LAKEVIEW LOANCARE Statement envelope but it was for a Loan Specialist. We called that # ( XXXX ) XXXX on XX/XX/2023, spoke with Loan XXXX, XXXX XXXX ; he said that XXXX  is a *separate Department* from the LAKEVIEW Dept. , and they have limited access to Customers Accts., and that the XXXX Dept. is experiencing Technical Difficulties with both their Customer Service Line and Website, and they have been advised to encourage XXXX  Customers to please try again tomorrow ( XX/XX/2023 ) as they are working to quickly resolve the issues ; lastly, the last Online Payment processed/posted for our XXXX Acct was on XX/XX/2023, and that our XX/XX/2023 Online Payment did *not* process/post, as of yet. We were able to schedule another Online Payment on XX/XX/2023 prior to speaking with XXXX XXXX ; however, as of today ( XX/XX/2023 ) neither Online Payments have processed/posted ; and we have attempted to call XXXX Customer Service Toll-Free XXXX ( XXXX ) XXXX everyday except on XXXXXXXX XXXX XXXX XXXXXXXX HOLIDAYS, nor on SUNDAY. We received a XXXX XX/XX/2023 LAKEVIEW XXXX XXXX EMAIL re : *Your One-Time Payment Draft In The Amount Of {$1900.00} Was Scheduled On XXXX ; but nothing since then ; we received the same NOREPLY EMAIL on 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 explanation
Consumer complaint received 2023-05-05
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX service on multiple lines. 3 phones lines, a tablet data line, and a smartwatch line. 

XXXX never provided service on the tablet line or the smartwatch line. I never received SIM cards. Contacting support would lead to them saying they were sending them and they never did. I cancelled the lines. Later I found out they kept the accounts open and were charging them despite me not receiving service and it not being possible for me to receive service since they never sent me the hardware necessary for that to happen. 

XXXX put me in to collections with Diversified Adjustment Service. I kept asking both XXXX and the Collection Company for proof I received any service on the lines in question and they both never have. They can not send proof because I literally never received any product or service despite paying for them. Now they are harming my credit to try to get even more money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation