BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/10 I made a listing on XXXX XXXX  for {$1300.00} XXXX XXXX I got an email saying my zelle account was on hold. I had to pay XXXX first. 
She sent me this email XXXX under XXXX Then I got another email saying that I needed to pay an additional {$700.00} for the XXXX XXXX XXXX XXXX as a secure sales tax This is to another account XXXX under XXXX. This was sketchy so I stopped and checked the email was not actually from zelle. But a fake XXXX They also rushed me to pay and asked for more money to test The email asked for screenshots of my payment and then they would release my full payment for XXXX, plus the XXXX, and the XXXX and then give me a bonus of XXXX. 
I checked on reddit to realize it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: ID Analytics, 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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL 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 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 this creditor has violated my rights under 15 USC 1681section 602, states I have the right to privacy. 15 USC 168 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Bank of America Credit card Late months reporting on my credit report : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX Late months reporting on my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Late months reporting on my credit report : XXXX and XX/XX/XXXX and XX/XX/XXXX Late months reporting on my credit report : XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/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 2022-09-10
Company: Experian Information Solutions Inc.
State: FL
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 account # XXXX, XXXX, XXXX, 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 instruction.

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 2023-10-18
Company: Shellpoint Partners, LLC
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Shellpoint must verify the letter dated XX/XX/2018 about the debt of {$310000.00} owned by 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being. 

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered. 

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects. 

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.

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 2017-10-20
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX report lists a collection from 2015, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Account # XXXX, I have wrote a letter requesting VERIFIED Proof of Debtor or Proof of Undertaking, XX/XX/2023 XXXX # XXXX XXXX XXXX XXXX XXXX, Notice of default and opportunity to cure XX/XX/2023 XXXX # XXXX XXXX XXXX XXXX XXXX response has been received, I acquired my Credit Report and I have noticed wrong information on this account, and ask the Credit bureaus to make sure everything was completed and accurate according to 15 USC 1681i ( 5 ), I ha send a letter to TransUnion XXXX # XXXX XXXX XXXX XXXX XXXX, TransUnion has not modified or removed anything, this account is showing wrong information, By the FCRA the Report has to be accurate, and this report is NOT ACCURATE. Which is a violation, this is impacting from moving forward to grow my business

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 2019-09-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing LLC is my mortgage provider and has repeatedly billed me for their own hazard insurance policy even though I have provided proof to them, in writing and online of carrying my own hazard insurance policy through XXXX XXXX XXXX. This same practice occurred last year. 

I have requested to be refunded for the insurance billed to me through Lakeview Loan Servicing LLC for the months of XXXX, XXXX, XXXX, and XXXX but have gotten nowhere. They continue to bill me each month. 

XX/XX/2019 - I received a letter from XXXX XXXX stating that I needed to update my hazard insurance to avoid having a policy assigned to me. I did so and uploaded proof to their website. I also mailed them hard copies of my policy. 

XX/XX/2019 - I have a letter from XXXX XXXX stating that insurance ordered has been cancelled. Yet, they continued to bill me for their own insurance XXXX, XXXX, and XX/XX/2019.

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 2023-04-12
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with Santander Bank. I have never used it for purchases. However I have used it twice to transfer balances from other cards onto 0 % promotions. When I applied for these I assumed when making payments that my payments would be applied in such a fashion that the promo expiring first would be paid off first. One balance expires in XX/XX/2023 and the other in XX/XX/2023. However, they are applying my payments " however they see fit '' according to the many employees I have spoken with. Making it so that I can essentially never pay off the first balance and in XXXX they will apply full interest to it. This seems illegal and unfair. Why would I pay the amount needed to pay off that first balance but never be able to pay it off? Why would I make all these payments only to pay interest in the end? On top of the hefty transfer fee they charge up front. I have spoken to at least 6 people there including supervisors who tell me it is what it is. So how can I pay this off an avoid interest? Nobody can tell me that. I will have to file bankruptcy if they apply interest to this after I have paid all this money.

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 2022-12-13
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
SYNCB/PPMC # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.

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 2017-06-29
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2012, I was seen by the XXXX XXXX XXXX XXXX. At that time I had XXXX XXXX XXXX, which was billed for the visit. I thought this debt had been paid but found out on the credit report that it is now past due. <P/>My Explanations of benefits from XXXX states that I owe XXXX XXXX XXXX XXXX XXXX after benefits are applied to the bill. They instead state that I owe them XXXX, which is the full amount of the bill. I disputed the amount of the debt with the debt collection agency, sent them a copy of the EOB from XXXX, and received a sheet of paper just simply stating that I owe XXXX. Even though on their online billing website it shows the credit for XXXX from XXXX. Further, the bill online states that nothing at this time is due. See attachements below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2021, I noticed the following accounts on my credit report after previously informing the credit bureaus of the fraudulent accounts. Please assist me with this matter immediately. 

1 : XXXX XXXX XXXX ACCT : XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During XX/XX/XXXX, I requested a modification of my mortgage loan. Bank of America sent me notification, XX/XX/XXXX that I was approved for a trial modification and instead of making regular monthly payments to pay the exact amount of my trial period plan payments of {$1600.00} for XXXX XXXX XXXX XXXX Additionally, the letter informed me that they would continue to report to credit reporting agencies the status of my loan as well as my entry into a Trial Period Plan, in accordance with the requirements of the Fair Credit Reporting Act andf the XXXX XXXX XXXX XXXX. In addition, my loan will be reported as paying under a partial or modified payment plan during the trial period. 

The letter further informed me that my existing loan terms will remain in effect and unchanged during the Trial Period Plan and I will continue to receive monthly statements that will show the payment amount based on my existing home loan agreement. However, please pay only the new Trial Period Plan payment amount instead of your regular payment amount until I hear from them about a permanent home loan modification. 

On, XXXX XXXX XXXX I received the approval letter for the modification. This letter informed me that I had successfully completed my trial modification and they are pleased to let me know that I've been approved for a permanent loan modification. The condition to receive a permanent loan modification was to make the trial payments on time, by the XXXX of that particular month in which I did. 

Bank Of America, instead of notifying the credit reporting agencies of my modification status and Trial Period Plan, they reported late payments from XXXX which is inaccurate and a direct violation and a willful failure to comply with the Fair Credit Reporting Act. They failed to notify the credit reporting agencies of my loan modification status and that I was on a Trial Period Plan. Additionally, they reported late payments when payments were sent XXXX, XXXX and XXXX. 

In XXXX, I requested a detailed payment history to include XXXX payments. Bank Of America failed to send XXXX XXXX XXXX, but sent XXXX  from 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 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : CAPITAL ONE XXXX XX/XX/2021 {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 WAS A VICTIM OF IDENTITY THEFT. I SENT THE PROPER REPORT AND INFORMATION TO TRANSUNION, XXXX AND XXXX. THEY FAILED TO REMOVE ALL OF THE FRAUDULENT INFORMATION THAT WAS ON MY REPORT.

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 2017-08-17
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ad Astra has consistently sent documents to my address stating that I owe a debt to them and have not been able to validate the debt. Ad Astra Recovery is also not licensed or bonded by the state of Texas to collect on any type of debt as stated on the XXXX website. Ad Astra needs to send information regarding being bonded by the state of Texas. Until then, they can stop with the sending of contracts and contacting me stating that I owe a debt. This information needs to be removed from all 3 reporting bureaus if it is n't provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I am a victim of identity theft. On XX/XX/XXXX XXXX, I sent XXXX, XXXX, and Equifax an FTC report with my State ID.

Company response to consumer: Closed with explanation