BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent account : 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  Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-11-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I reached out to the XXXX XXXX XXXX requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the XXXX XXXX XXXX I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I reached out to the XXXX XXXX XXXX requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the XXXX XXXX XXXX I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus

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 2021-07-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : TD BANK N.A. 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Livingston Financial, LLC
State: CA
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:
The company claims i owed them and i have no knowledge of what they are talking about and they say this matter is fro m 2010 i  am being a victim of stolen identity and i need them provided me with documents witch they should have staying that is me my signature and photo copy 's of documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
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: Their investigation did not fix an error on your report

Complaint:
my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as XXXX, equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America offers an Overdraft Protection service that allows for automatic transfers from your savings into your checking if the checking gets into an overdraft situation. If Overdraft Protection posts a transfer Bank of America charges a {$12.00} fee. Prior to XXXX, XXXX when Overdraft Protection was initiated, but not posted, if you made a transfer or deposit into the affected account prior to the transactions in question posting the Overdraft protection would not post and no fee would be charged. However now, even if you transfer or deposit funds into the account to cover the pending transactions, Bank of America still moves forward with the overdraft protection transfer and fee. 

For example, I had a debit card transaction initiated on Saturday XX/XX/2021 that was potentially going to cause an overdraft. Bank of America put a hold on the amount of the overdraft in my savings account preparing for the transfer. When I checked my account on Sunday XX/XX/2021 and noticed the potential overdraft I manually transferred funds from my savings into my checking to cover the transaction. In past my manual transfer would have essentially cancelled the overdraft protection transfer. However at the end of the day on Monday XX/XX/2021 when all the transactions posted my account the unneeded overdraft protection transfer went through and i was charged a {$12.00} fee. After hours on the phone with Bank of America and speaking with XXXX different senior supervisors informed that Bank of America did in fact chnage their Over Draft Protection process in XXXX XXXX XXXX. And they could not confirm that any notice was sent regarding the changes to any customers enrolled in the service. 

Another concern I have is that Bank of America freezes savings account funds in order to potentially prevent customers from manually transferring funds into checking accounts to avoid the fee. Lets say you have {$110.00} in your savings account and XXXX in your checking. A transaction posts to your checking in the amount of {$100.00}. Bank of America is going to put a " hold '' on {$110.00} in your savings ( {$100.00} for the transaction and {$12.00} for their fee. With this hold in place the customer can not transfer the funds manually or withdraw the funds to make a manual deposit in there checking to avoid the {$12.00} fee. 

In my opinion the bank has engaged in deceptive practices in order to gather fees. I have since turned my overdraft protection off. I strongly urge this agency to investigate Bank of America regarding their Overdraft protection process and fees.

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: First Associates Loan Servicing LLC
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received the following e-mail this morning XX/XX/2018 at XXXX XXXX  from XXXX XXXX XXXX. I have two loans through XXXX, only one was affected. 

***Past-due*** We get it, life happens and oversight occurs. We noticed that the payment on your education loan ( s ) from XXXX XXXX XXXX Loans is now at least one payment past due. 

If you have already made your payment, thank you. If you have overlooked making your payment, please send it promptly. You can make your payment online by visiting our web site at XXXX, you can call the number below, or you can mail a check to the address listed below. Check payments, made payable to First Associates Loan Servicing, should be sent in U.S. dollars drawn on a U.S. bank account. Please be sure to write your account number on your check. 

Mail Payments to : First Associates Loan Servicing C/O XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Please note that under the terms of you loan agreement ( s ) XXXX XXXX XXXX XXXX may charge you late fees on any payment that is 15 days or more past due. 

If you are having difficulty meeting your scheduled payments, you may be eligible for assistance. 

We urge you to contact a servicing team member at XXXX, or visit our web site at XXXX for more details. Our hours of operation are XXXX XXXX  to XXXX XXXX  Monday thru Friday XXXX and Saturday XXXX to XXXX XXXX XXXX. If you have already paid your past due balance, please disregard. 

As required by law, you are hereby notified that we may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

THIS IS AN ATTEMPT TO COLLECT A DEBT. ALL INFORMATION WILL BE USED FOR THAT PURPOSE. 


Sincerely, XXXX XXXX XXXX XXXX Customer Service *************************** ***ACTIONS TAKEN*** *************************** I logged into my account and found that the amount that I owed was {$5.00}. At the time I was setup for auto-payment through their customer website https : XXXX. I tried paying the amount owed through their website, but was unable to as I was setup on auto payment. I called their support number and the support person told me that the amount that I owed had gone up. I had them remove auto pay as their is no use having auto payment if the full amount owed isn't covered and have since paid the amount owed, I was not charged any late fees or penalties, however I think this is a rather deceiving practice and needs to be looked into. Note that this was the first e-mail that I received that the amount that I owed would be going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: I.C. System, 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: Information belongs to someone else

Complaint:
The below companies have my information and I don't have accounts with these company and because the are on my consumer report it is fraud and identity theft.

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 2017-06-23
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX, XX/XX/XXXX, Equifax are ALL Falsely reporting a credit card charge off from XXXX XXXX XXXX that is 8 years old. All 3 basing the information on information provided by XXXX XXXX XXXX .... but XXXX XXXX XXXX claims they have no record. XXXX XXXX XXXX claims their records only go back 7 years and they have NO information .XXXX, XXXX , Equifax are Damaging my credit with NO documentation from XXXX XXXX XXXX that would Support a Derogatory credit card report.I have contacted all 3 agencies and all 3 Refuse to provide documentation to support their consumer credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent account : 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 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-06-23
Company: EQUIFAX, INC.
State: MO
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:
XXXX has incorrect balance owed on 3 credit cards that were closed. XXXX XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$150.00} All 3 credit cards were closed by me because all 3 committed Fraudulent Fees to my account. I want my Credit Report to reflex the correct balance owed on all three credit cards accounts that were closed. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After a XXXX mo deferment I was in the loan mod trial period with my previous mortgage company.when fay took over my loan. Ive been trying to get a loan mod through for over a year so now Im more than 2 years behind. While in process of submitting my application which they took over a month to confirm they received they had already sent a demand letter which expires XXXX/XXXX/22. I have been frantically trying to jump through their hoops but it changes daily on what documentation they need, they wont be specific or put it in writing other than the initial notification it was incomplete which they lied about having fir 8 days. Ive submitted the documents requested in notification that took 8 more days to receive. Yet its not complete and now they wont tell me or put it in writing specifically what they require and what document will suffice. Then they just say something else. They give out incorrect ir conflicting information. They refuse to verify docs have been received, hang up on you, put you on hold until its past theyd hours, refuse to get me to my POC who also never responds to emails or follows up. Left vm fir several supervisors saying youll hear back in 24 hours bet have yet yo hear back. I have equity in my house which I know benefits them if they foreclose. They were relevant to give pay off when I was looking into selling. Bottom line they do not want me to keep my home. One rep even told me he didnt care I was going to lose my house. I have proof of several violations .including recorded calls..Please intervene as they are still guilty of all the same violations you previously found they were. In fact I read part of you filing to them as proof they are required to give specific information on specific documents they require to complete the application yet they refused and they refuse to put it in writing so you can hold them accountable when they change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ( XXXX XXXX XXXX ) am in receipt of a letter received on XX/XX/2021 from XXXX XXXX XXXX. 

Per the letter it states the following Please be advised we have been unable to obtain the verification in the timeline required at this time. Therefore, we have requested the account be deleted from any consumer reporting agency files to which we have submitted information.

Letter uploaded.

It has been 88 days and yet the alleged debt and derogatory remarks remain on all three credit bureaus. See attached.

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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
There was a charge of {$99.00} with XXXX XXXX which was done in XX/XX/2021 on my credit card with CapitalOne and I disputed the charge. 

Bank disputed the charge and then charged my credit card back again based on the merchant 's response. Post that I had a call with the bank and explained them what happened and then they asked me to upload additional docs which I uploaded in XXXX to prove my case. 

The bank failed to validate the documents and unilaterally decided to close the case inspite of my claim being valid and asked me to directly work with the merchant. The merchant is not co-operative and that is the whole point of having a dispute. 

The bank is not co-operating with me on the dispute and I need your help in resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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:
My identity was used without my authorization and or knowledge to open an Auto loan with XXXX XXXX  XXXX XXXX. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief