BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Zip Co US Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXXXXXX  my card was stolen therefore I had to cancel it. I changed the payment with Zip as I owe installment payments on XXXX XXXX. Their app is defective. 

Zip has instructions regarding default payment and it does not work. It is not my fault because I am trying to make a payment and the system does not work. It is XX/XX/XXXX payment is not late either. I do not believe I should have to pay late payments due to an issue that is not my fault and I am trying to rectify it as I am trying to make a payment on the due date however ZIP system will not allow me. 

THEN I try to make a payment and the date of my new card expires XX/XX/XXXX I put it in the ZIP system. However, the ZIP system keeps changing the expiration date to XX/XX/XXXX which would not take my new card! 

This is a disappointment. I made screenshots to prove there is something wrong with the ZIP payment system, it needs to be corrected. 

Zip website states they accept Mastercard or Visa cards attached to a bank account my XXXX XXXX XXXX  is attached to a bank account now they want to charge me late charges for their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a victim of mortgage identity theft ( a federal crime ), misprison of felony ( when the judge or enforcement agency already knows that you are a victim yet continues to violate your rights ) ; ( the State of XXXX already has a list of victims in which they paid checks for and identified each victim ) ; fraudulent foreclosure auctions, schemes involving real estate fraud, discrimination, home title fraud, bid rigging at a foreclosure auction, theft by taking, theft by deception, tax and insurance fraud, conspiracy and racketeering, both criminal and civil and fraud on the courts. 
My family was held under armed threat, duress and coercion and forced out of our home. A crew of thuggish policy enforcers multiple county sheriffs came, drew their guns on my family and I forced us out, put me in hand cuffs and in the back of a police sheriff pickup truck. An unknown man, ( bank representative from XXXX ), and realtor from a real estate auction site XXXX XXXX were at the front door as I was forced out. This unknown man proceeded to change all the locks and removed with another unknown minor, all of my familys belongings. My XXXX camera caught the conversation of the sheriffs and the unknown XXXX representative stating they put homes in Trust, sometimes it works and sometimes it doesnt. The reason for that conversation is that my home was placed in Trust and recorded in the county register, and certified by the state of XXXX  Secretary of state, all due faith, credit and authority. Full recording of sheriff conversation with unknown bank representative available. The fraudulent mortgage companies filed form XXXX XXXX or XXXX to the IRS. They stole my house and then were paid 10 ( ten times ) more than the principle amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: MA
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. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

XXXX Account number : XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Public record information inaccurate

Complaint:
I've submitted a dispute in XXXX to Equifax. 
Certified Mail states they recvd on XX/XX/2020. USPS tracking number. 
I recieved a letter from Equifax dated XX/XX/2020 saying they can't locate my file. STALL TATIC. THEY HAVE ALL MY INFORMATION. They refused to investigate the results on XX/XX/2020 dispute. Instead said the dispute was ReAged to XX/XX/2030. That is Violation of my FCRA rights. And against the law. I asked for 5 managers, no one to transfer to. Asked for corporate. They abandoned the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A MESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On XX/XX/2023, I purchased two plane tickets from XXXX XXXX. Each ticket cost {$350.00}. I attempted to pay for the tickets using {$290.00} worth of flight credit ( each ) and the remaining {$60.00} ( XXXX ) on my American Express card. Instead, XXXX XXXX charged the full amounts ( two separate charges of {$350.00} ) to my American Express card. 

When I noticed the error, I attempted to call XXXX XXXX several times. I spent several hours on hold but was never connected to a live person and therefore unable to resolve their error. 

My next step was to dispute the charges with American Express. Since XXXX XXXX charged the two tickets separately, I created two disputes, one for each charge. In each dispute, I explained what I have explained here : that I was only supposed to be charged {$60.00}, not {$350.00} for each ticket. I included receipts and screenshot to support my assertion. 

XXXX dispute was immediately resolved in my favor and the amount of {$290.00} was correctly credited to my account. 

The other dispute, although it contained the exact same information as the first, was not resolved in my favor on the basis that " the amount billed is correct and there is no billing error, we have no basis to contact the Merchant on this matter. '' The amount absolutely is NOT correct. There IS a billing error. And they have every basis to contact the Merchant ( if they can even get ahold of them ). This goes to show that they did not even read the content of the dispute or review the information I attached as evidence. It does not make sense that for two identical disputes, one was appropriately dispositioned and the other was clearly not even read.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22, I was the victim of identity theft due to an impostor scam. The impostor contacted me identifying as a fraud department employee from Citi Bank. I was scammed into completing XXXX transactions that resulted in the loss of approximately {$30000.00} from my bank account. I contacted the bank immediately the morning of XX/XX/22 to report concern with money transfers from my savings to my checking account that I was not making. I learned that the scammer had in fraudulently opened up two additional checking accounts. Citi bank completed their investigation confirming fraud and credited my account with {$18000.00}. Two transactions that occurred during the fraudulent scam have not been credited. Citi bank has refused on multiple occasions to credit the two transactions completed on XX/XX/22 in the amount of {$4900.00} and XX/XX/22 in the amount of {$4900.00}. Citi bank maintains their position that the Transfers are considered authorized and consistent with my transactions. I have tried multiple times to appeal the decision given that Citi Bank has honored my fraud claim and that Regulation E applies to any EFT that was unauthorized. I was deceived into authorizing those transactions and I, the consumer, received no benefit. Between XX/XX/22 and XX/XX/22, multiple transactions occurred in my account that should have been detected by my bank as fraudulent and inconsistent with my banking practices, putting me at high risk for identity theft. Not only did my bank not safeguard my money, they allowed transactions to occur after I reported the concern.

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 2021-09-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had been taking advantage of the forbearance program offered by my then mortgage company XXXX XXXX back XXXXXX/XX/XXXX. In XXXX XXXX I was notified that my mortgage was being sold to another company and well be serviced by ( Carrington mortgage services ). 
I contacted Carrington to setup my account information and to conclude the forbearance program offered. I person told my forbearance period would be ending XXXX and that I would need to filled out a " loan modification '' and send it back to them i did so XX/XX/XXXX. at the time the document showed an arrears of {$7900.00} this figure is end conflict with a mailed billed dated XX/XX/XXXX that states I owe {$8700.00} That person at carrington contacted me stating the documents didn't pass their companies quality control department. This also happened again on XX/XX/XXXX when I Resubmitted with new dated signed on them by the notary and me. On XX/XX/XXXX. This set back had caused a delay in the forbearance period ending. The final approved loan modification on XX/XX/XXXX. During the extended time involved in finalizing these documents. Carrington ( mailed me ) again extended for forbearance time to end XX/XX/XXXX. The final documents signed and dated were approved and submitted on XX/XX/XXXX. I believing that my 1st payment due on XX/XX/XXXX. XXXX made the payment online through carrington web portal but ; It showed that payment went towards the XXXX payment of my account. I contacted the same person at carrington and told me that the XXXX and XXXX payments would not be required. this statement is also in his email to me. I tried to log in to my carrington account online to make my XXXX payment only to see i'm locked out from making a payment. i contacted carrington and asked what i need to do. A different person told me that my forbearance ended XX/XX/XXXX and that i'm too far behind to use the online payment option. I explained I had a company letter head mail stating by forbearance end XX/XX/XXXX. That person said " they see no record of that in my file '' He also asked if I would email him a copy of the letter which i did XX/XX/XXXX. 
Carrington and it's agent had giving me and extended period of time to complete and return the required documents they needed. their agent told me and also in emails that I don't own for the months of XXXX and XX/XX/XXXX. 
I've repeatedly asked for copies of their documents from the quality control department that show the reason why they fail. this too was never replied to. 
They ( carrington and it's agents ) have refused to reply to multiple calls regarding this matter. even during conference calls with a 3rd party credit/debt resolution company. 
I want to make my payments and carrington and/or it's agents well not let me. 
The Final FHA load modification paperwork carrington submitted and approval for is wrong. It wasn't signed, submitted and approved until mid. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I called into fifth third bank to dispute planet fitness monthly charges for XXXX and the rep was very nasty and rude to me. A si was trying to explain to her why I was disputing the charges she was already implying to me how the charges were valid before she even let me finish my statement to My dispute. Then she further said that she had no way of looking up transactions at all. The fifth third app was not working either to allow me to easily search for the transactions either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has reported 1 late payment from 2 years ago XX/XX/2021 from ( The XXXX XXXX XXXX ) a credit card account that is paid in full. And current at this time this late payment that has appeared on my report from 2 years ago has dropped my score from excellent to good and has jeopardized my chances of getting approved for an mortgage i have no other late or derogatory marks on my report and has worked very hard to keep my report in good standing this has affected my livelihood tremendously

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 2023-03-28
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused 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 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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