BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Lendmark Financial Services
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I m currently working with customer legal group to help resolve my debit when I received this warrant of debt in the mail. I have notified customer legal group at XXXX about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reached out to Transunion, XXXX, and XXXX for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.

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 2018-02-02
Company: EQUIFAX, INC.
State: MI
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 has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: IL
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:
Company XXXX XXXX shows up on CRA Reports not an account I am familiar with or charges. I send out verification letters both notarized and certified requesting validation of this reported account to XXXX. I request copies proof of signed contracts itemized payment proof or itemized proof of debt owed. 
Something more tangible for proof than just electronic passing of names and numbers which is my entitlement under FCRA. 
Factually in Illinois there are at least 13 people with exact same name as myself so I have seen stuff like this before! I as well sent dispute letters notarized and certified 2xs to the reporting CRAs. All to keep coming back electronically verified with no proof of this account being mine! One letter returned to sender ( myself ) off of bad addresses reported by CRAs only Experian had correct address. I have receipts of all items sent response letters returned letter and still this is a unverified account being reported against me causing me the inability to obtain the good credit I deserve! CRAs continue to verify/ XXXX  continues to verify and no one has shown hard validated evidence of this Account! I have shared all this info with both the Bureaus and 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 2020-02-13
Company: Johnson Mark LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/XXXX I have tried to communicate in writing with XXXX XXXX and their hired company namely, Johnson Mark, LLC. I have largely been ignored and would love for them to respond to my many letters since XX/XX/XXXX the last one dated XX/XX/XXXX. They continue to say that I have late payments yet they will not respond to my requests to negotiate the overly fee inflated balance they have incurred on me. I simply would like to negotiate the remaining {$2400.00} I owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Morgage company is a debt collector. It is not a regular Morgage severing. I am on forbearance plan, but the problem when its finished what I am going to do, how I am going to come up with payments, specially when they told me that if the escrow payment go negative, the payment will go up. I really need help with my payments and forgiveness for the defaults payments. I am a single mother with children, I got affected by the XXXX and my family. I lost my job and now I am working part time. I dont know what to do please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: LTD Financial Services, L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affidavit of Truth This is a notice to all that I am XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Indiana XXXX, XXXX, XXXX, swear and affirm the following facts. 
I am invoking my specialized remedy as a consumer under Federal Law 15 USC 1692. Of the Fair Debt Collections Practicing Act. As a Federally protected Consumer My privacy has been willfully violated ( 15 USC 1692a ). XXXX XXXX, XXXX. Is attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for XXXX XXXX, XXXX. To have access to my personal information, nor contact me, 15 USC 1692c ( A ). 
This is my second attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k.

Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692e ( 2-A ).

4 ) 15 USC 1692g.

5 ) 15 USC 1692a.

6 ) 15 USC 1692e ( 5 ).

7 ) 15 USC 1692b ( 2 ).

Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692c ( B ).

4 ) 15 USC 1692c ( A ).

5 ) 15 USC 1692b ( 2 ).

Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ). 

I have not received any sworn testimony from your offices that the alleged accounts are compliant and not subterfuge. I have Ccd the CFPB with my sworn affidavit of truth in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX activity in my checking account with Wells Fargo. I reported it to Wells Fargo & XXXX XXXX store which took place on XX/XX/XXXX. The amount is {$270.00}. Both companies are claiming they see no fraud?

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 2021-08-11
Company: Experian Information Solutions Inc.
State: MO
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:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CITIBANK, N.A.
State: MN
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:
On XX/XX/2021 I did use Citi bank credit card class a leasing to learn commercial driver license they charge extra {$1600.00}. I ask they you charge me that money. They told me u gone refund but they never do it. I started dispute with Citibank. They send me information from them. They forging my signature. I told Citibank that is not my signature. I dont signed like that.if you see the signature some person signed.

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 2019-03-12
Company: LEXISNEXIS
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 need my personal information update correctly. My name is XXXX XXXX XXXX XXXX  please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : 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 they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : USBK COURT XXXX OHIO DOCKET # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: United Military Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
How did they approve a loan for {$370.00} and the value is only XXXX. 

I XXXX XXXX purchased the home and closed XX/XX/XXXX in the amount of $ XXXX, refinanced a VA loan in XX/XX/XXXX with a new loan balance of $ XXXX the appraisal was $ XXXX. 
they took my from a fixed rate, put me into a 3 yrs ARM@ 2.25 % and charged me 2.25 % points ( {$920000.00} ) plus ( XXXX ) the VA funding fee was {$1800.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is reporting my account 60-90 days past due and has not reported to the credit bureaus since may. Since then many payments have XXXX made and My account is currently up to date since 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 2021-01-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The Equifax XXXX XXXX XXXX product was provided to me at no charge on XX/XX/XXXX following a cybersecurity breach at XXXX XXXX. ( See attachment. ) On XX/XX/XXXX I received an email Equifax solicitation to continue and enhance my membership in this product. ( See attachment. ) This solicitation was less than forthcoming, if not deceptive and fraudulent. It did not say that I was already set up for automatic annual renewal unless I opted out before the subscription year expired. Nowhere did this notice say anything about a charge for this service, that Equifax intended to update my product ( i.e. convert the service from a free to a paid subscription ), even though the previous year had been at complimentary. That should have been made clear. In fact, it explicitly stated, Please note there is no immediate action required for your product update and there is no cost associated with these changes. 

Nevertheless, I suspected there might be a charge for this update, so I went to the Equifax website. The information I needed was obscured. I had to scour through the Equifax website hunting for something that would tell me whether I would now be committed to a paid subscription or not. I finally discovered that the Equifax XXXX XXXX XXXX with XXXX product would cost XXXX  per month and that I would be committed for a year unless I declined the product by XX/XX/XXXX. Should I not decline the product by this date, I would be required to notify them in writing ( i.e. through the XXXX XXXX to cancel the subscription. ( Why not via email, as email was used to enroll me? ) On XX/XX/XXXX I called the Equifax XXXX XXXX XXXX at XXXX to see if I could cancel the product over the phone. I could and I did, without any trouble. I was assured I would not be charged anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received 0 % cash advance offer on XX/XX/2018 which I took $ XXXX cash advance offer on XX/XX/18 but the 0 % interest promotion didnt apply to my account and Bank of America was charging me 21.49 % interest payments. I called couple of time to Bank of America to find out and they gave me different reasons every time I called ; 1. They told me this promotion need to be cashed by XX/XX/2018 when I received this promotion letter on XX/XX/2018. I asked for copy of cancelled check and the check had Deposit or cash by XX/XX/18 printed on the check. After the verification, BOA isnt bring up this reason anymore which took 2 month to figure out. 
2. BOA told me this promotion wont apply if I cashed to my own account, I used to do this type of cash advance many times and this was the 1st time I heard anything like that. I asked for copy of promotional letter that was send me on XX/XX/2018 and BOA sent me the copy of that promotional letter and it has that clause, but I dont think this is the same promotion letter that I received on XX/XX/2018. Because it has different bank account number from cancelled check vs. copy of promotion letter check copy. 
I dont want to call BOA anymore about this issue and I would like to submit formal complaint to find out current information. Can you please help to verify the promotion detail w/ BOA? 

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 2021-01-27
Company: BYL Collection Services
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern, I applied for a lease in XX/XX/XXXX with an apartment complex ; The Academy on XXXX, and signed it in XX/XX/XXXX before knowing that my university would cancel in-person classes nearly six months later. I never paid a security deposit, never paid first and last rent, never paid a single dime to the landlord ; all I did was sign the document. Exactly 30 days before the lease would start on XX/XX/XXXX, I told the landlord over their messaging portal that I want to exit my lease ( despite there being no exit option ). He told me no, and I said I wasn't going to pay it. I got no response back after that. Two months later at the end of XXXX, he sent me an eviction notice and charged me the full 12 months of rent ( which is illegal under Maryland 's rental code ), selling the debt to BYL Collections. I got their written notice a month later around XX/XX/XXXX, responded by certified mail that I was disputing the debt, asked them to verify it, and verified that they received it. This month when I got my monthly credit report, my score had dropped over 100 points due to their inaccurate debt collection. 

XXXX XXXX on XXXX and now the illegal collection attempt by BYL Collections are taking part in an illegal move to circumvent Covid19 restrictions handed down by the very university which acts in accordance to federal oversight and mandate for social distancing in response to the pandemic. 
Furthermore, I had acted in good faith before the pandemic and can not be held accountable for the pandemic itself or the aftermath of such a devastating ordeal. While I do not argue that I filed out the application I never paid a cent, never took possession of the property and was never evicted by anyone for any reason. Everything that has transpired has done so on paper by a company intent on bilking me of monies certainly not owed and holding over my head the ruination of my consumer credit files. 

Furthermore i am including in my documentation the code of Maryland which it is my belief and position that the landlord and by extension BYL Collections is violating, this over and above all the restrictions and federal guidelines in the application of Covid19 safety guidelines and Covid19 consumer abuse. 

I am asking that this agency intercede on my behalf, review the information and documents and contact the companies mentioned in my complaint, assuring that this issue which they have clearly not taken seriously, is rectified under the supervision of this agency. I am available to speak further on the matter and to provide any other information not provided in this complaint if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
in XXXX, with my american express card, bought an XXXX  XXXX. the item was never received and ill send you proof. its already XXXX and amex isnt taking the amt off my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation