BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In regards to XXXX XXXX account # XXXX This is void contract/void agreement. 
According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. 

In fact I never had auto insurance & never provided XXXX with auto insurance of any kind that has XXXX XXXX name associated with the policy. 
Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because XXXX clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO XXXX. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding XXXX finance to remove the account from my name & credit file immediately due to me not legally being under contract with the company.

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 2023-03-02
Company: EQUIFAX, INC.
State: SC
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:
I applied for a mortgage and had my credit report used with a specific company on Saturday, XX/XX/XXXX, XXXX on Monday morning I started receiving repeated phonecalls from callers with mortgage brokers whom I did not engage. I have since been told that the problem is with Equifax. I have received XXXX phone calls and about XXXX text messages from various brokers at different numbers since Monday. They start calling at about XXXX in the morning and call until XXXX at night. I have no way of stopping the contact other than blocking each individual number. But there are too many numbers to keep track of and it is causing me problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The first fraud incident on my account was on XX/XX/XXXX and I reported it to Citibank immediately. They started the dispute on XX/XX/XXXX and I am not clear about the reason why. After I complained to CFPB, Citibank contacted me and sent me the forms to fill out for the dispute. Before that, I had contacted them multiple times and their response was that it was still in process. Now, they don't even want to take responsibility for the fraudulent activity on my account, and all they could say is that the beneficiary bank already sent the money to the crooks. I do not understand how they came to such a conclusion. I did not authorize anybody to take money from my account and it seems like they don't even want to help me out in this situation. Without authorizing this transaction, how can I be responsible for this fraudulent activity? When I talked to the costumer service at the bank, one of their responses was that this was a small amount and that they have had many clients lose thousands of dollars everyday due to such fraudulent activity. If their clients are losing money like this, shouldn't they be doing something to protect their clients? I am a XXXX XXXX, who is struggling everyday to make payments for my XXXX  and this was the money I had saved up in order to make the payment. To them, it seems like a very small amount, but to me, it is all my hard work. I can not lose this amount. The institution ( Citibank ) should be responsible for this action. My family has been faithful customers of this bank for more than 25 years. Even though I set up an alert to my phone for any transaction, Citibank did not send me an alert for this fraud, which happened multiple times on the same day and my account was wiped off. In total I lost {$3400.00} including the domestic transfer fee! Being such a large institution, they don't seem like they want to do anything to help me. Now I am forced to borrow money from my parents everyday to make up for this loss and to pay for my expenses. I have a learning XXXX, which why I am unable to work full-time and manage my studies simultaneously, so this money was very important to me, as I need to make the rent payments for the next three months. I hope somebody can help me with 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an obvious duplicate hard inquiry on my account. It is from the same company, XXXX XXXX, on the same day. I've requested removal via dispute and TransUnion will not open the dispute without the XXXX opening it. I find this to be against the FCRA dispute standards. Additionally, if these companies are responsible for creating complex algorithms to detect credit risk, they should be capable of suppressing obvious duplicate data. I shouldn't have to do anything as this agency which has been tasked with accurately detecting credit risk should be able to identify obvious duplicate data. On my XXXX XXXX report, the same inquiry shows XXXX  times and is one of the factors that is showing as a problem on my credit report because instead of XXXX inquiries it looks like I have 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 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One Auto Finance # XXXX is reporting as charged off with a balance on my credit. I paid off this full debt years ago and received the title for it. This is an error on their part and I have tried to get them to fix it but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Our mortgage was transferred for servicing from XXXX XXXX  to RoundPoint Mortgage during during XXXX ( loan no : XXXX ). Our house is located in XXXX XXXX which went through a re-assessment of property values last year as well. 

Ever since the XXXX  transfer took place, our escrow account reflected a wrong upcoming property tax amount due ( the one prior to re-assessment ). The XXXX XXXX notified us in XXXX that the property tax bill ( due XX/XX/XXXX ) was still unpaid back in XXXX. After receiving the bill, we contacted XXXX to make sure they have the updated tax bill and to inquire when that would be paid. Their email contact does not provide any responses. As a result, we had to contact them via email and then again follow-up by phone. 

We were originally told by their Customer Rep that the bill will not be paid until it is 4 weeks before it starts accruing interest which would have been XX/XX/XXXX. After that date was past by more than a week, we contacted them again and were told that it will now be paid definitely sometime during the month of XXXX but they were unable to tell us when. 

Please note that as they do not respond to emails, we have had to use the helpline number which at times has over XXXX people in line ahead to wait to speak to a Customer Service Rep. 

They also went ahead and paid the property insurance on XX/XX/XXXX which wasn't due until XX/XX/XXXX before Property taxes ( 4 weeks ahead ). This caused a shortage in the Escrow which we already have paid to make sure there were still sufficient funds to pay the property taxes for this year, despite re-assessment. 

Their website updated our escrow account claiming to have paid our property tax bill on XX/XX/XXXX. It is now, however XX/XX/XXXX, our property tax bill still shows up unpaid on the XXXX XXXX website and will start accruing penalty interest starting XX/XX/XXXX. Repeated attempts to contact RoundPoint have been useless and we have never once received a response about why they are unable to process the payment in a timely fashion or even a straight answer as to when it will actually be paid. 

We would like Roundpoint to provide a receipt after they pay the bill to the county and also would like to understand why they are holding on to making the payments almost until they run the risk of being delinquent. Most companies we have worked with in the past have never waited until last minute to pay the property taxes. This has caused us numerous hours of our time wasted and contributed to enormous amount of XXXX  & stress all throughout the XXXX  XXXX  simply because RoundPoint is unable to perform their job in a satisfactory manner.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
Pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.

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 2023-01-31
Company: PatientFi, LLC
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had a meeting today with my banker to obtain a line of credit for my medical practice. He asked me about my XXXX XXXX and when I looked it up XXXX of the scores were in the XXXX 's and XXXX in the XXXX 's. I thought it was strange so I decided to look it up to see why it could have been so low. I saw that there was an account opened while My wife and I were in the hospital welcoming our second son. I have submitted a dispute with transunion, called the office in which the fraud has occurred, and the credit company in which extended the credit. I have not lived in the address provided for more than XXXX  years and I do not know of the number that was used in the transaction.

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 explanation
Consumer complaint received 2024-01-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA 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:
I am a customer of XXXXXXXX XXXX or XXXX Since my time with them, Ive experienced XXXX data breach. Currently, my husband and I are victims of identity theft which our credit, credit cards, etc have been compromised. We are currently, not able to call them, my escrow was compromised, ever time I phoned them, it is a came and we continue receive phony letter impersonating 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 2019-08-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX- a debt collection agency said i was being sent an arbitration for an old account from wells fargo from XX/XX/XXXX and would have to go to court. it would be delivered to me XX/XX/XXXX between XXXX by a courier. They asked for my personal account info to send them money. I asked them for details on the account and they refused to send me info and stated it was a stall tactic. 

XXXX and XXXX with XXXX XXXX XXXX XXXX, XXXX ( caller ID shows this a a XXXX CA number ), 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 explanation
Consumer complaint received 2023-11-16
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have sent a complaint previously and they gave me instructions stating that i could send a permission to return letter to withdraw my money. My reference numbers for the complaint are CFPB XXXX XXXX : XXXX & XXXX. 
I just need DETAILED INSTRUCTIONS on how American express wants me to do this permission to return. I had my bank manager send a email to the American express fraud department. But i need exact details on who my bank manager needs to contact and every detail he needs to confirm and write to this correspondence so this ordeal goes as smooth as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: ALAMEDA MORTGAGE CORPORATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wow XXXX compliance guy. So heres the think XXXX. I told u that ur site is broke. U sent me a screenshot. Then u said there was a link? Are u trying to be hilarious or were u seriously trying to get me to use your screenshot to make a payment. There is no link in the screenshot. What link. Am I just missing something and there is a link or what. The screenshot has no link. Plus its for the wrong loan.

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 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my Bank of America credit card and they are still charging me XXXX in interest! I called them aand aked how much would payment would be including interest on! XXXX The rep. it would be XXXX which would incluse interest!!!!!!!!! This month they are still charging me interest on balance I paid off!!!!!!! 
When I called the rep today ( XXXX XXXX ) told me the other rep was wrong and I had to pay interest on credit card for 3 month!!!!! That is ridiculous!!!! Never heard of this before!!! I have paid off all y credit cards and have other visa carda and have not had this problem!!!!!!! Only with Bank Of America!!!!!!! 
I paid off a Business Bank Of America and then they cancelled the card for no reason. 
Bank Of America is doing alot of illegal procedures and they need to be held accountable for them!!!!!!!!!

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Transunion, XXXX, and XXXX. 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 XX/XX/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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance - Balance updated - Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance - Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at consumer 's request and dispute investigation completed, consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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