BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Company: LoanCare, LLC
State: AZ
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 XXXX has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.

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 2021-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I took out a credit card with capital one in XXXX. This credit card was charged off and I filed bankruptcy which was discharged in XXXX. XXXX XXXX XXXX purchased the debt from capital one in XXXX. Now they have filed a lawsuit and threatened to garnish wages on a debt that is over six years old which is beyond the statue of limitations in the state of Ohio, which is 6 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: MD
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 I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

**Equifax I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Santander Consumer USA Holdings 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 NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) SANTANDER CONSUMER USA 2 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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: Investigation took more than 30 days

Complaint:
Hello, I sent out some disputed letters on XXXX. It's been well over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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: Account status incorrect

Complaint:
I have sent in my dispute letters over 60 days ago on XX/XX/2021. I havent received any correspondence about an investigation. I understand the credit bureaus have 30 days to Let me know that there will be an investigation. After that they have 15 days to do investigation And since covid-19 they have an extra 15 days. Its been over 60 days and I havent received any notice about an investigation. I would like all accounts on my report deleted not disputed and not up for investigation. Thanking you in advance.

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 2022-03-29
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:
n accordance with the fair credit reporting act XXXX XXXX account # XXXX amer XXXX account # 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 non-monetary relief
Consumer complaint received 2018-03-26
Company: Bread Financial Holdings, 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:
I have disputed an account reporting on my credit report with XXXX Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a resident of XXXX XXXX. I have not left the XXXX city limits for 4 years. I have a checking account and ATM card with Bank of America. On XX/XX/2020 a debit withdrawal in the amount of {$63.00} was made on an ATM machine at XXXX XXXX XXXX in XXXX, CA. I filed a claim with BofA, Claim # XXXX. After investigation the bank determined that the transaction was not mine and I was credited with the {$63.00} along with the transaction fee. I was issued an ATM card with a new number. On XX/XX/2020, another ATM transaction in the amount of {$68.00} was made at the same address in XXXX. I, again, filed a claim, # XXXX, and was told that after investigation my claim was denied because the transaction was made with a chipped ATM card. This was not possible. I am XXXX years old and been suffering with severe lower XXXX XXXX which limits my ability to walk. I know with all certainty that the new ATM card had not left my possession during that time period. I had not been any more distant from my city residence than 3-4 blocks. And used my card at a few businesses with which I had a long history of use. During the period from receipt of the new ATM card until the transaction occurred, I left my apartment no more than 5-6 times. I have not been to XXXX for at least 20 years. I have never given my pin number to any individual, ever. I received a letter from BofA denying the claim, but which stated that I could request copies of the documents used to reach that decision. Upon requesting said documents I was told that the documents were not available for my viewing. Living on {$1600.00} a month from Social Security, I am ultra careful of my expenditures, and I am always aware of the location of my debit cards, credit cards, ID, and other documents of importance.

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 monetary relief
Consumer complaint received 2021-02-10
Company: Synergetic Communication Inc
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A collection letter was sent on XXXX XXXX, 2020 claiming that {$8900.00} was placed in collections from XXXX. I have called them and left a voice mail and emailed them and got no response from them. Now they are calling me and saying that because I have not reached out to them, they will sue me. I tried to call XXXX and there is not working number to get a hold of this bank which leads me to believe it does not exist, and that this may be a fraud.

They had my last 4 digits of my social security number and my address and birthday.

My credit score is very good, so this collection debt does not seem to line up with anything.

I have already called Attorney General and they advised me to file a complaint here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been denied access to online services for years with Shellpoint Mortgage Servicing. I had my single point of contact changed and was given the wrong contact information by my previous single point of contact. After multiple unanswered emails and multiple attempts to contact the new single point of contact by phone ( left detailed voicemail messages ) I now months later have not been contacted once by the single point of contact. I received a document stating my loan had been taken over by a new servicer in early XX/XX/2021 but when I contacted them they said they had never had my loan or myself as a client and none of my information was in their system. I was informed that even if my loan were serviced by them for a single day that my information would have been on record with them. I again received a different document stating my loan had been taken over by a new servicer less than two weeks from the first document in early XXXX and this servicer had no contact information and is not listed on any XXXX searches and the document stated to contact Shellpoint for customer service but again no one answers or returns phone calls or emails. I was advised to contact my mortgage servicer to find out about my eligibility and enrollment in the XXXX XXXX Relief Program but without any communication from Shellpoint I have gone deeper into the deadline to save my home from foreclosure. I contacted Fannie Mae but they offered no solution. I am without financial means to hire an attorney and need help to save my home from the predatory loan servicing practices of Shellpoint. I have documentation, Emails, recorded phone calls, XXXX  reports, and phone records to support my case. Can you please help???? PLEASE!!!! I BEG YOU!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: McCarthy, Burgess & Wolff, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed multiple reports, disputes, and complaints with XXXX XXXXThere are multiple phone services suddenly popping up on my collection reports and this is just one of the 3 I have to remove. My XXXX has also been compromised. I lack any knowledge of any account associated with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: MN
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:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 32 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 32 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a collection against me on my Equifax report. Presumably shared across the other credit reporting agencies as well. A collection agency named " XXXX XXXX XXXX '' has filed a derogatory record against attempting to collect {$190.00}, saying my first delinquency was XXXX XXXX, 2015. This can not be correct, as I did not incur any medical expenses during that period. I have attempted to clear this with both the collections agency and credit reporting agency - yet no progress has been made, and my credit score has been severely impacted in a negative manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/ between the hours of XXXX XXXX  and XXXX I attempted to make a {$40.00} deposit at a Bank Of America, ATM. It was at the location of XXXX XXXX XXXX XXXX XXXX, Ca XXXX. This deposit was to cover a payment I had coming in. 
I went to the drive thru ATM ( XXXX ) to make the deposit. After putting {$40.00} in the ATM it gave me {$20.00} back and then froze. Then about 3 minutes it changed to the opening screen. It was if I was never there. 
I did not move my car and went in to the branch to speak to someone about what just happened. The representative told me that there was nothing they could do, I would have to call the number on the ATM. I made it clear that I had to make a deposit to cover a payment and I had no other funds. He said once again to call the phone number. 
I called the phone number and the person was rude, so I had asked to talk to a supervisor. After waiting the phone hung up on me. 
I have a bad XXXX and XXXX XXXX XXXX. These kind of problems is hard on me. This is the third time this happened to me and each time it has cost me time, money and my health. They are charging me {$35.00} for an overdraft fee for the same check the {$40.00} would had covered. 
On the XXXX of XXXX they charged me {$35.00} because they said my deposit was after XXXX mountain time. I live in California which is 3 hours different. Even though I have a receipt showing a positive balance on the XXXX. It became negative after they back dated the {$35.00} fee. 
This is terrible to do to a person during a time of a so many problems as it is.

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 monetary relief
Consumer complaint received 2018-03-26
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TCF was the bank that I had my small buisness account with for the last 4 years, they have recently went to online digital banking and so when I pull up my account to watch funds I see a running balance, that is not accurate, they hold funds and then they return checks even while the funds are there. They recently the week of XX/XX/XXXX thru XX/XX/XXXX paid and returned 90 percent of my payroll checks, even while having funds in there, I had employees say that they had the funds and then the money was taken away 4-5 days after the fact. It has cost me from TCF as well as abank charges that my employees incurred. The management at the bank could not even make sense of why there were so many returns, I think these banks are taking advantage of people. It saddens me, and I went and closed the account, but in the end over 4 years, they have cost me around 3000.00 in return fees, that there is no reason things should have been returned, there needs to be better laws on these instutitions. 

Shameful XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On Friday XX/XX/2018 I went to Western Union branch at the local supermarket to transfer {$1500.00} US dollars to XXXX ( tracking number XXXX ) When the person I was sending the money to went to the bank to get the money they were informed that it will paid in local currency and not US dollar. Further more the exchange rate was lower than market value by about {$30.00}. I called WU to get an explanation but I was informed that I chose this option when I sent the money, I then informed the person on the phone that I wasnt given an option at the time of the transaction and that when she informed me that it stated on the receipt. 
Upon reading the fine print on the receipt I found that WU makes more money in addition to the fee charged from converting the currency. I even went on their web site to find out if they ask at any point how would you like the money to be received and found none. 

I feel WU acted in a deceiving way to make more money from my transaction and failed to inform me of my rights in regards of how will the money be paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: IL
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. I have never been late with payments on this account. 
XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Billing dispute for services

Complaint:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

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