BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: EQUIFAX, 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:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX, XXXX, XXXX I looked at my credit report and it went down XXXX points and I saw that there was an open balance of {$300.00} threw a collection agency called Enhanced Recovery Company and the original creditor was XXXX XXXX XXXX XXXX XXXX and it was opened XXXX, XXXX, XXXX. This was very concerning because I have never had any kind of cable service in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THERE IS INCORRECT PERSONAL INFORMATION LISTED ON MY CREDIT REPORT. 

My name is XXXX XXXX XXXX. Please remove these incorrect variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or XXXX belong to a relative : XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Company: Experian Information Solutions 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:
For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.

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 2020-06-25
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had refinanced our home mortgage with loandepot and have been making on-time payments ever since. Money has been paid into escrow to cover property taxes, and these have not been paid. We are now facing late property taxes with interest by the county. Loandepot sold the mortgage to XXXX  this XXXX, and they state that they shouldnt have to pay the taxes as they were due when loandepot owned the mortgage. Loandepot states that they can not pay as they no longer own the loan. We are facing the loss of property due to this and each lender blames the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USAA froze my account until we paid them {$1700.00} leaving me only {$80.00} to feed my kids. Saying it was due to fraudulent claims, which I had no notice of what so ever. So to unfreeze my account they forced me to pay. So they took my money and I cant even provide for my family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2019 I applied for a position with the employer XXXX XXXX XXXX XXXX they had me consent to a background check. Three days later I received an email from Checkr. They listed a Nole Prossed charge of leaving a scene of an accident and also stated that they have a nine year old charge of driving with a suspended license. So I called Checkr and spoke with XXXX with Checkr and filed a complaint to dispute these issue. I asked XXXX if she knows what Nole Prossed means and she stated No but she works at a background reporting company and is involved with reviewing peoples background reports. That is very scary and neglent. The worse part is damage is already done. They are exposing me to an employer and causing me to look bad. They have those two items on my report with clearly shouldnt be disclosed to any employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently learned that Lowes/Synchrony Bank has falsely alleged that my brother lives at my address. Please force it to remove my address from any information that it has about my brother and his Lowes credit card.

Specifically, in CFPB complaint # XXXX, Synchrony Bank alleges that my address is my brothers address. This is untrue. Furthermore, neither I nor my brother would have told Lowes/Synchrony that my address is my brothers address. At the time that he opened his Lowes credit card account, my brother lived in XXXX, GA. Subsequently, he lived in Maryland and has lived there for roughly 4 or more years now.

So another question is how Lowes/Synchrony came to falsify my brothers address, then use its fabricated information to close his credit card. There is other false information in Synchronys response to my brothers complaint about its closing his Lowes credit card that will be dealt with in the CFPB complaint about Lowes capricious and unjustified denial of credit to him. This particular complaint, however, is mine and it is against Lowes/Synchrony for using my personal information without my knowledge or consent to falsify my brothers credit file and to expose me to increased risks of identity theft, financial crime, and cyber crime.

I resent any anonymous third party such as Lowes or Synchrony Bank appropriating my personal information against my wishes and without my knowledge or consent for its own illicit reasons. I resent it trafficking in my personal information for its own purposes. Why cant the CFPB stop this from happening? I am unfairly burdened, not only by Lowes and Synchrony Bank, but perhaps as well by the CFPBs failure to stop this illicit and potentially criminal activity from occurring. This is not my mistake, it is Lowe's/Synchrony Bank 's . I should not be forced into being a private policeman against their illegal behavior that jeopardizes my financial and general well being.

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 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 first time I have had identity theft. I'm not sure the reason behind this but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BB & T mortgage lender was to withdraw or receive the monthly payments automatically from my bank account and on the month of XXXX BB & T was unable or unwilling to withdraw the amount to cover the monthly payment, never contacted me to inform of what was happening and reported to the major credit agencies the mortgage was late 30 days, where they received the total payment for the month of XX/XX/XXXX before the 30 days were late. I have tried to speak with the lender including sent letters to BB & T and report the inaccuracy to the credit agencies to remove the late payment, BB & T just reports that they are reporting the late payment as accurate without any other explanation. BB & T as a company should be treating its customers with more respect especially the ones that have been with them since XXXX without any late payments or any problems. Will never use them again and will make sure all my customers and clients know how they treat theirs.

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 2017-12-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear CFPB, Every week and sometimes two times a week I get a call from a company called Card Member Services using a Robo caller called XXXX. She advises me they now have lower credit card interest rates and can lower payments on all my credit cards. She tells you to push 1 to get someone who will assist you. I have pushed 1 and told them to quit calling me but to no avail. You also have the option push 2 and they will quit calling. I have and they still are calling going on 2 years now. Please get them to stop! The last number they used to call me was ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: RentDebt Automated Collections, LLC
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: Old information reappears or never goes away

Complaint:
I will get straight to the point. Rent Debt is still reporting a PAID collection on my file and my husbands file two years later. This debt was paid back in XX/XX/2018 and the file keeps being updated as a paid, closed account. Please tell me what the XXXX is there to update?! Its a FULLY PAID DEBT. Ive called on multiple occasions to find out how or who I could speak with to have this removed and the response has been the same each time and unhelpful - I was told that they dont remove reports or send deletion requests/letters to the credit bureaus which is complete XXXX. They are the furnishers of this report so they can easily remove the account. A paid collection serves zero purpose on either of our reports. This account needs to be removed expeditiously - from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I made a payment to Bank of America in the amount of {$12000.00} from my XXXX XXXX  account. This payment was for my mortgage for my XXXX payment of {$2100.00} and {$10000.00} to be applied to principal. ( I have been paying extra on principal since the beginning of the year. ) After the payment was received by BOA, I received a statement indicating the payment had been applied to my XXXX and XXXX payment and the balance of {$7800.00} to principal. 
I have sent several messages and made several phones call trying to resolve this issue as detailed in the attached document BOA Issue with Payment.

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 2020-09-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My brother in law used my identity to apply for several credit cards. I then submitted an Identity Theft affidavit disputing those inquiries to the credit bureaus but it looks like they closed this account as a result. This account is mine and not a fraudulent account. I do not want this account closed because I need it to pay for my XXXX medication.

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 2019-01-31
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I received an email stating we did not qualify for a mortgage loan. And as, first time home buyers, we clearly met and qualified for their program. I have continuously email the processing senior loan officer processing our application and have waited days and weeks for a response! 

On XX/XX/2019, I received another email stating our FICO score results and clearly meet the bank 's requirements. 

We feel that we have been discriminated against based on our FICO credit score worthiness, despite meeting the banks requirements.

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 2018-06-07
Company: Dealer Funding, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX   XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-07
Company: BARCLAYS BANK DELAWARE
State: PA
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:
I was made responsible for fraudulent charges totaling {$9000.00} plus interest on 131 charges made on XXXX between XX/XX/21 to XXXXI notified Barclays on the evening of XXXX but they did not cancel the card leading to 3 more charges totaling {$1600.00} till I called back again on XXXX. All activity was not mine and I believe my card was hacked through my daughters XXXX account as she used my credit card as she is XXXX and visually handicapped with no credit of her own. Barclays first said I was not responsible but then decided I was. XXXX was of no help in this matter. Barclays claims that all items where delivered to my daughter in XXXX. This is not true! 
I was never notified by Barclays that there was unusual activity on my card- sometimes 16 transactions a day!! 2 transferred were over {$1000.00}. 
They initially took all the charges off then put them back in XXXX. 
There was only one actual charge made by me during those dates and it was for eye vitamins for my daughters XXXX. XXXX was quick to demand repayment for those when they probably had to repay Barclays. 
I have been a long standing customer of Barclays using the card for XXXX XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX who does not appreciate being treated this badly. 
This also lowered my credit rating. 
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 2019-01-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Company ... Carrington Mortgage ... .calls repeatedly and I have NO debt, with them or anyone. they call at odd hours and leave a number to call back. I have tried and it is a fax machine with no human available. At the end of their pitch, they state that they are required by law to state that they are a debt collection agency. 

the # they leave is XXXX. 


They have called on XXXX and XXXX. They have called in XXXX on : the XXXX, the XXXX, the XXXX, XXXX, XXXX, and on the XXXX. Then again on the XXXX, XXXX, XXXX and the XXXX. They just keep calling .... I have NO debt. What a pain in the you know what!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I reached out to the XXXX post for a personal assistant job with XXXX XXXX. He interviewed me and offered me the position. He said that I would be doing some finance items for him - including depositing checks and invoices. He emailed me a check for {$2500.00} to deposit into my account and instructed me to go to the Post Office and get a money order for {$2000.00} and deposit them into an account at XXXX XXXX  for XXXX XXXX ( Account # XXXX Routing # XXXX ). After I did that, XXXX told me to take out the remaining cash of {$500.00} and go to XXXX  for a gift card, a XXXX XXXX Gift Card. After telling him that they did not sell the XXXX XXXX gift cards in the store, he told me that he would get back to me with what other types of gift cards " they '' accepted. After hearing this, I told him that I did not want any more part in this and that I would just mail him back the remaining money. He had a bit of a hissy fit but I have not heard from him since. Two days later, my bank informed me that the check was fraudulent and that I was on the hook for the {$2500.00}. I am currently unemployed due to the pandemic which is why I took the job even though it did sound a little too good to be true. I have the money order receipts and the deposit receipt as well and have reached out to my bank. My bank is now canceling my relationship with them and is holding me accountable for the full {$2500.00}, saying that since I initiated the money orders I am accountable. I tried to explain to them that I fell victim to a scam and that I have the emails and text messages that prove that I was not doing this to take the money, that I was doing this for my boss ( as I was hired ). Now, I have to find a new bank and somehow come up with {$2500.00} that I do not have. If I was not unemployed due to the pandemic, I would have never taken this job nor would I be in this position. BE CAREFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been trying to use my XXXX account and just added my new debit card to it and im having trouble verifying my bank account to my XXXX account

Company response to consumer: Closed with explanation