BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ALL INFORMATION I HAVE : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I C Systems Date Reported - XX/XX/2022 Payment Status - Collection/Chargeoff Account Status - Derogatory Amount Past Due- Not Reported Account Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- Original Lender - XXXX XXXX XXXX Account Type - Not Reported Responsibility - Individual Age Of Account - 1 Years, 5 Months Credit Limit - Not Reported Highest Balance - {$240.00} Payment Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount Past Due- Not Reported Date of Last Payment- Not Reported Monthly Payment- Not Provided Payment Frequency - Not Reported Lender Info -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I called the number provided but first, it just rang and then second, when it did not through no one answered. I do not not know if this is an issue on my part or theirs but yeah. I do not recognize any companies here and do not recall a 1 year, 5 months old account with a debt of {$240.00}. I do not think this is my debt and I do not have any more information to prove otherwise. I looked more into only and really many people have had the same issue of these companies showing up in their credit report with false claims of debt collection. Not sure if this is a scam of theirs but it should definitely be looked into just in case. Thank you.

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 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is not providing me with XXXX  year end tax statements. I have called them several time and the only answer they've provided is that they can give me the numbers verbally over the phone. I need a written document with year end tax and escrow information. I called them today and was told on the phone that one was not generated for my account. 

I also have an existing problem with the bank where I can not see my mortgage information online. They state this is because of a recent assumption I did on the loan and therefore for the remaining life of the loan I will never be able to see my mortgage information online. This is kind of ridiculous being that is XXXX and every major financial institution - even those that are small - allow the viewing and making payments of account online. 

I feel Bank of America, is doing all of the above to take my house away from me in the future if I were to default in anyway. I am current on my mortgage payments and everything else.

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 2023-08-09
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never given any letters that it was going to collections. I had no Idea. I have not lived there in a while but I think my friend renewed the lease after I left. I was living in XXXX form XX/XX/XXXX to XX/XX/XXXX due to my grandpa being sick My grandpa passed away in XXXX of XXXX and that's when I came back at the beginning of XXXX. My friend was helping me with rent while I was gone for the remainder of the lease that was up on XX/XX/XXXX and that was the last that I knew of the lease. I actually tried to contact her to get my things before the lease was due but I was unable to get in contact with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A man saying he was from Truist Bank fraud claim some one was trying to open an account in my name then he tried to get personal information from me. He called from XXXX. He hung up when I refused. 4 minutes later a woman called saying she was from Truist Bank XXXX XXXX XXXX. I told I was calling law enforcement. Her Name on the caller ID is XXXX XXXX. I call the Real Truist Bank but you can not get a live person on their fraud line.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 2021-10-29
Company: EQUIFAX, INC.
State: TX
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 recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I received a call on Friday XX/XX/XXXX from an unknown number claiming to be XXXX XXXX Account Services. Because of our financial delinquency currently I fell for the request. 
Two nights previously our cable was shut off for late pay. I was under pressure financially. 
The caller claimed we were on a list for disconnect that day if the previous balance was not paid directly. I brought up my XXXX Account online and saw the balance they referred to was identical to my overdue balance. Not sure where they got these detail. 

They showed later on the caller ID as a XXXX phone number. 

Bottom line is they claimed that if I did not pay directly to that office that my disconnect had been dispatched and that department is the only one that can see the payment and then cancel the disconnect. If I paid on my XXXX online account they claimed it would not go through in time to avoid disconnect on a Friday. 

They wanted to know if I could XXXX the balance to XXXX XXXX - mobile immediately. 

I knew I had Bank of America partially owned XXXX on my BOA app and thought I was protected if I made the transaction through my bank. I was blinded by fear in the process and just wanted to avoid disconnect. 

I made 4 XXXX transactions, 3 cleared before BOA stopped a fourth. The total fraud was for {$890.00} wiping out my weeks budget for other bills. I called Bank of America when my wife got out of work and stated that it ma have been a scam. Bank of America started a case but told me that XXXX is an outside entity that is like transacting in cash and they had no protection against fraudulent activities drawn against my checking account through XXXX within my Bank of America webpage. I was stunned. I am out the money, still owe the bill and have no funds to pay properly. 

How can Bank of America not protect a consumers money on a transaction that was done on their website through a corporate partially owned entity like XXXX? This is really bad when our money is not protected on our banking apps.

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 2023-08-09
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to Shellpoint Mortgage on XX/XX/XXXX when my mortgage was only 21 days past due. I spoke with a representative who submitted a 3 month forbearance that only required a verbal request from me ( no paperwork needed ). She stated that a decision would be made in 48 hours. I never heard back so I called again on XX/XX/XXXX. The new rep said that he didnt see a forbearance request so he will submit a new request and again to call back in 48 hours to see if a decision has been made. I called a week later, around XX/XX/XXXX. A new rep said that they mailed out a packet for loss mitigation that needed to be completed and I would hear from XXXX in the loss mitigation department. I never heard from anyone so I returned the packet on XX/XX/XXXX. I called on XX/XX/XXXX to see if they received the packet and they explained they would need income documentation and a new packet filled out. At this point I believe the mortgage company is giving me the run around, they will not return my calls or make a decision regarding my forbearance request, causing me to get further behind ( now due for 3 months ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a ID fraud alert placed on my card and I cant get it off. They have placed the wrong number on it and I cant get the bank to reissue my credit card! 
I have sent numerous letters and still nothing. I tried to apply for another credit card and they say they have a fraud alert and cant get thru to the number placed on card. ( because number is wrong ). All I want is for them to take off the fraud protection or fix it with my real number ( XXXX ) The report number from Experian is XXXX for XX/XX/18 The bottom of page 8 has  the wrong number.

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 2018-05-24
Company: EQUIFAX, INC.
State: TX
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:
Derogatory information from the company XXXX  XXXX continues to be on all 3 credit reports. This debt has not been validated and keeps being reported on report since XX/XX/2015, I have repeatedly disputed this account and credit agencys only response is this is a accurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im concerned about my credit report with equivalent.Ive tried multiple times to pull my score and was finally informed I have nothing that really scared me I have several trace lines and an exceptional payment history which I would love to show on my profile. Im therefore requesting that equifax there records so that their systems will show a credit score to potential lenders thanks Ive attached photos that show accounts that should show % I also am a authorized account XXXX for XXXX XXXX account # XXXX XXXX  said to notify equifax as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$510.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX XXXX Amount : {$0.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$18000.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$510.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX XXXX Amount : {$0.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$18000.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof

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 2020-12-13
Company: The CBE Group, Inc.
State: VA
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:
On XX/XX/20, I received a notification that three collections were added to my credit reports from the CBE group. I had previously been working with the CBE group to settle the account, but the collections were placed on my credit reports anyway. Because I wanted to settle the debt, an agreement was set up with the CBE group to settle all three accounts that were in collections in the amount of {$300.00}. I also have the agreement # to show proof that this was the accepted amount to settle for. Since XX/XX/20, I reached out to the CBE group to ensure that my accounts would be updated properly with each credit bureau to show that the debt has been paid. However, when speaking with a representative and after logging into my account, it appears as though CBE group has somehow deleted the original agreement to settle the accounts, and now there is a balance showing for each account, AFTER the agreement was accepted by CBE group. I am at a lost for words that this has happened as I didnt know that collection agencies can void agreements after theyve taken a payment for such agreement to resolve a debt. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX 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 2019-07-25
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a debt collection letter from XXXX XXXX XXXX XXXX around XX/XX/XXXX for a debt of {$110.00}, after investigation found this was a fraudulent JC Penny account : XXXX, created in XX/XX/2014, based on stolen identity. After contacting JC Penny the account was closed on XX/XX/2014, JC Penny admitted error and close the account. But JC Penny lied, instead correcting their mistake, they sold the debt to the debt collection agents, and report the fraudulent account to all three credit agencies. I have filed a new complaint on XX/XX/XXXX this year to JC Penny, so far hasn't received any response from JC Penny.

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 2023-09-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Inaccurate account information. XXXX stated that this account is not in collections

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 2023-10-12
Company: Experian Information Solutions Inc.
State: PA
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:
I did not authorize any of the accounts listed below to obtain a copy of my report. For I am a victim of identity theft. I DO NOT HAVE A CONTRACT WITH THESE COMPANIES. 

XXXX XXXXXXXX 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 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 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Theft via Capital One who allowed an account created in my name on XXXX. 

I was alerted and they canceled the account, saying was FRAUD. 

But they have Hard Inquiries on my account from that day. I put FRAUD ALERT on all Credit Bureas ; however they allowed another HARD INQUIRY on XXXX. 

They say it takes a lot of time to remove these things, but XXXX finally told me to file this report. 

They should be sued for allowing a second attempt without calling me due to the FRAUD ALERT, which is also now a Security Freeze. 

Thank you kindly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is incorrectly reporting a charge-off account XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account is well over ( 7 ) years old and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation