BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 complaint XXXX on XX/XX/21 explaining that I am a victim of identity theft, which I have been explaining to Transunion but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them. They only looked at one item. Please review all the information that is listed on this identity theft report that I have attached again.

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 2023-04-24
Company: AmerAssist A/R Solutions, Inc.
State: SC
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 received a addendum to retail contract from AMER ASSIST in which I never saw nor sign stating that I owe a debt. Again never did I give XXXX XXXX XXXX XXXX XXXX permission to share nor sell my personal information. These company have stolen my identity and made fraudulent contract. AMER ASSIST has made false report to the credit reporting agency, and now they are reporting false and inaccurate information on my report. I had to file identity theft report in which I have attached for the record. I have also attached a copy of the contact that I received from AMER ASSIST. 
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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by 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 non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 715. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.

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 2023-04-24
Company: CONTRACT CALLERS INC
State: IL
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:
On XX/XX/XXXX  I contacted Contract Callers Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX to inform them Ive been a victim of identity theft and the account they are reporting on my credit file is a direct result of that identity theft. I have sent Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX a police report I filed with XXXX Police Department and communication made with the Federal Trade Commission about the identity theft. Contract Callers Inc has not contacted me or removed the account from my credit file. I believe this company is violating my consumer rights and I will seek legal representation if this matter isnt resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX th I contacted the merchant to dispute the validity of this debt because I wouldnt ever use a company like XXXX XXXX and the fact that its XXXX that means this card is designed for poor people I have outstanding cards and credit I never missed a payment in my life since coming to XXXX XXXX XXXX I XXXX this company and tried to let them know this debt doesnt belong to me they refused to treat it as a fraud case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect name spelling and other names listed. There is incorrect identification number with these names. There are incorrect addresses continuing to report. I have put multiple security freezes on my identity theft during Covid-19 and showing that accounts have been compromised by this. I have filed disputes and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear XXXX, We noticed your recent deposits at Flagstar Bank included business as well as personal checks. We regret that we are not able to accept business checks for deposit in a non-business account. The Flagstar Bank Operations team has recommend closing the XXXX XXXX XXXX Checking accounts used for business purpose/rent deposits. Opening XXXX XXXX accounts to replace the XXXX XXXX accounts is not recommended. 



Flagstar Bank does offer business banking services to manage rent payments, and I would be happy to discuss the options available. Please review the attached ACH Service flyer and let me know your availability to discuss adding this service to your current business accounts. 



Sincerely, XXXX XXXX XXXX XXXX : she, her, hers Branch Manager, Flagstar Bank Certified Lender NMLS # XXXX Registered Representative XXXX XXXX XXXX XXXX at Flagstar Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After 15 years they are doing this. It is a hardship to me and all XXXX XXXX  Not only financially but time wise At XXXX XXXX XXXX I should not have to do this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made XXXX payments to Shellpoint Mortgage. The first payment was made in the beginning of XXXX of {$400.00}. The second payment was made on XX/XX/XXXX through bill pay from my bank. The payment amount for the XXXX payment was {$630.00}. I was charged a late payment. The representative XXXX explained to me, the company does have a biweekly. The biweekly payments are only on certain days. Which is unacceptable!! The representative had to correct my payment, but the couldn't change the late payment. The payment was made within the grace period.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: AL
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 checked my credit report and I have accounts on my profile that are hurting my credit profile. I am requesting physical verification of these accounts. I am requesting physical verification of the original signed consumer contract. 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verfiy through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fradulent account. 

I demand that the following accounts be verified or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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:
CHILD IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREE TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE XXXX XXXX XXXX. I ASK SOMTHING BE DONE ABOUT THIS.

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 2018-08-07
Company: Stuart-Lippman and Associates, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 I received a call from XXXX XXXX XXXX out of XXXX, AZ. They called asking for a member of a church I use to attend. Im not sure why they had my personal cell number but they did. They asked me was I this particular individual and I said no. They then proceeded to ask me if I knew the individual and I said yes. They then started verifying this individual 's information as if it were me. I quickly stopped the guy and stated, this is a breach of confidentiality and you have no right to verify another individuals information with me. This person could be an enemy of mine and you just gave me their address. He stated his name was XXXX XXXX and was just trying to gather information. This was improper and a breach of the " unnamed '' individuals confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Central Collection Corporation
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company was notified to remove the debt because the doctor billing department did not code the bill correctly. The collection agency refused the request and stated it would not be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2021 I applied for a loan through XXXX XXXX. I received an offer from Lending Club. On XX/XX/XXXX I received an email from Lending Club stating my loan had been funded in the amount of {$32000.00} and payments were sent to my creditors. Because I saw this email after hours I had to wait until Monday to call them. When I spoke to them, I told them I wanted to loan cancelled as I had neither received or signed any paperwork on the final terms. The paperwork they sent me was in the same email as the email telling me the loan was funded, but it was all blank. I was told the loan would be cancelled. I also received an email stating it was cancelled. A few days later I noticed one of my creditors had been paid off. I again called and was told the loan had been cancelled. I asked to speak with a supervisor but no one was available. I requested a call back to discuss and have yet to receive one. I called back again and requested a copy of the promissory note and disclosure be sent to me. They advised I could log in to my account and get it. I informed them it is blank and that I had not ever signed anything. At this point all the creditors have been paid off. They then told me it would be my responsibility to call the creditors and have the money sent back to the loan company. I do not believe I should be responsible for a loan I never agreed to or signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Consumer Portfolio Services, Inc.
State: NC
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:
I did not authorize none of the following inquiries on my credit report and I do not recognize them. 

XXXX XXXX Consumer Portfolio Services XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid 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:
XX/XX/XXXX CFPB XXXX USAA RESPONSE CONFIRMS. XXXX {$170.00} & {$170.00} were USAA PERMANET CREDITS XX/XX/XXXX. see attatched. XX/XX/XXXX statement of BEGINNING FRAUD INVESTIGATION TEMPORARY CREDITS ON XX/XX/XXXX ( SAME  DAY I. REPORTED THE FRAUD. NOT A LENGTHY INVESTIGATION? ) INVESTIGATION WITH TEMPORARY CREDITS ARE AWAITING COMPLETION OF INVESTIGATION TO HOPEFULLY REMAIN PERMANET. AFTER INVESTIGATION. see attatched FRAUD LETTER OF XX/XX/XXXX USAA POLICY IS TEMPORARY CREDITS MUST BE MADE PERMANET ** AFTER COMPLETION OF INVESTIGATION. 1 ) HOW LONG DO INVESTIGATIONS TAKE TO COMPLETE? HOW COULD THIS INVESTIGATION END BEFORE IT BEGAN? ON XX/XX/XXXX?? HOW COULD TEMPORARY CREDITS BE PERMANET WITHOUT AN INVESTIGATION? WHY WASN'T AN INVESTGATION DONE??? I RECIEVED NO NOTIFICATION.. PLEASE PROVIDE WRITTEN DOCUMENTATION ITEMS DELIVERED INTO MY HANDS CONFIRMATION AFTER USAA INVESTIGATION COMPLETED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Selene Holdings LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX received a collection letter dated XX/XX/XXXX identifying XXXX as a debt collector for a mortgage XXXX said was owed in the sum of {$150000.00} by XXXX XXXX XXXX. On XX/XX/XXXX a response to that letter was sent by fax and priority mail to XXXX. 

On XX/XX/XXXX a letter was sent by XXXX XXXX XXXX to XXXX disputing that XXXX XXXX XXXX owed XXXX any mortgage under the FDCPA Act. That letter was sent by priority mail and received by XXXX. 

On XX/XX/XXXX a Request for information letter was sent to XXXX by priority mail, which was received by XXXX. 

On XX/XX/XXXX a letter was sent to XXXX advising them that there reference to the actual loan holder in that letter was in conflict with the language in its letter stating that a loan was owed by XXXX XXXX XXXX. That letter was sent by mail and fax. 

On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter to XXXX XXXX XXXX dated XX/XX/XXXX about his loan, but referenced the actual loan holder, address of the loan mortgagor, and loan number. That XXXX XXXX XXXX did not owe the loan as per reference. 

On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter dated XX/XX/XXXX about his loan, but reference the actual loan holder, the address of the property, and loan number. That letter questioned any due diligence by any agent of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: OPORTUN FINANCIAL CORPORATION
State: NC
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 OPORTUN/XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation