BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: EQUIFAX, 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:
I am a victim of identity theft. On XX/XX/XXXX after numerous attempts to get Equifax to remove two incorrect items, I sent them a package which included a cover letter, a copy of my credit report, a Police Report, and FTC Identity Theft Report and an FTC Affidavit and a printout of the Law - FCRA 605 ( b ) with all requisite identification asking them to remove the two identified fraudulent items. The package was delivered on XX/XX/XXXX. According to the Governing Law as stated in FCRA 605 ( b ) Equifax is required to remove the items from my credit report within 4 business days of receipt. It has been over 4 business days, and this item is hampering my ability to purchase a home. Additionally, Equifax has been conducting investigations on this matter since XXXX or XX/XX/XXXX. XXXX  and XXXX  removed the items in question in XXXX - approximately 4 months ago. I ask Equifax to remove the items as soon as possible and then provide me with an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Went to the website to try to update my information but their website declined to delete old information and update the new one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Atlanticus Services Corporation
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX at XXXX XXXX I spoke with someone about the annual fee being {$130.00} dollars so I was going to decline the card. Whoever I spoke with said they would take {$90.00} off the annual fee. On XX/XX/XXXX at XXXXXXXX XXXX I called back because the fee was still there. I told them to listen to the call on XX/XX/XXXX. I'm not sure if they did, but on XX/XX/XXXX the fee was credited back. I didn't use the card for a long time but when I did they put the fee back. This was XX/XX/XXXX, almost 2 months later. I have called about it and they said the fee was put back on because I closed my account on XX/XX/XXXX, which is completely false. I have all the statements showing my available credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Viking Client Services
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got in a multi-car accidence on a rental ; the other party is at fault. My insurance company issued all required payments to the car rental company to settle any claim against me, and informed the car rental 's representative agency and subsequently the debt collector, Viking Client Services, in written response that they should stop contacting me on this matter. Received a letter from the collection agency dated XX/XX/2020 offers to settle a {$1300.00} debt that they knew I do not own. I truly believe the debt collector is acting in bad faith to scare me to pay them on something that they are well aware that I do not own or entitle to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts do not belong to me but yet the credit agencies are still reporting them without providing me any proof whatsoever besides coming back saying the account has been verified, by verified by whom and with what documents inwhich was never provided to me, in order for these agencies to continue to report one sided information with really conducting an investigation should be held responsible and action taking against them, the accounts I'm saying is not mines dates are XX/XX/XXXX, more specifically XXXX XXXX and XXXX XXXX. Its not my job to XXXX  a collection company, its XXXX XXXX   and Transunion job to report accurate information inwhich should be accompanied by physical documentation when reporting anything. What you report affects people livelihood and the XXXX breach was very real so please take inconsideration that all is possible. The FCRA requires that each account is provided with physical verification, or the account must 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 2021-05-07
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez LLC dba Shellpoint Mortgage was sent a wire on XX/XX/XXXX they have yet to use the wired funds to pay off my mortgage. They have had a collection agency calling me non-stop threatening me that they are going to foreclose. The title company we used has a wire confirmation where the funds were sent twice. 

Shellpoint returned the first wire to the title company with no explanation. the title company resent the wire a second time and Shellpoint has been holding the wire, this has caused me to be in default with them and it is their fault the loan hasn't been paid off. 

I have called numerous times and no one will assist me in getting this resolved. One of the people i spoke to assured me it would be resolved on XX/XX/XXXX, her name is XXXX XXXX, i never heard back from her and every time I call them i get a different person answering the phone and they are extremely rude and of no help whatsoever. 

I was told on XX/XX/XXXX that it would be resolved by XX/XX/XXXX and as of XX/XX/XXXX it still has not been resolved. They have been holding money from the title company for well over a month and will not pay off my mortgage. 

I am very concerned that this will affect my credit scores ( my wife 's as well ) and with the collection company now calling me i am very worried about this situation. 

This company does not want to answer questions, they say they have no records of all the numerous phone calls i have made. I can never talk to the same person when i call in and they are very rude to talk to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i have a mortgage on my primary residence via suntrust mortgage, mortgage number XXXX. 

i have a hazard insurance policy via XXXX XXXX XXXX, policy number XXXX, with the servicing agent being : XXXX XXXX Licensed Sales Producer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX in XXXX, through no fault of my own, my local agent was 7 days late in renewing the hazard policy. 
it was re-instated within 1 week, and documentation provided to Suntrust. 

i continued to pay the XXXX XXXX XXXX and in fact the policy is up to date and paid in full, in advance, for the year XXXX and has been paid in full since XX/XX/XXXX. 

despite that, suntrust has mandated a 'forced-place '' insurance onto my escrow account, and are insisting that i pay an additional XXXX dollars per month into escrow. 

i have contacted suntrust multiple times, provided documentation of the up to date and fully paid hazard policy, however suntrust refuses to lift their forced place hazard insurance. 
i have several concerns : 1 ) first of all, i have already paid hazard insurance for XXXX, so where is the extra XXXX dollars per month that i have been paying since XX/XX/XXXX going? 
2 ) my hazard policy only costs XXXX per year, so why i am i being charged an additional XXXX per year by suntrust? where is all the extra money going?

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 2021-10-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax will not remove account XXXX that was placed on my credit file when my credit file should have been protected during COVID-19 in 2020. The balance is also inaccurate please assist by removing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, The reason for my dispute is : 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, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, 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 failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) 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 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this 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 account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: RI
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:
I have been disputing with experian two accounts that are reporting on my credit report negatively and that do not belong to me. They are the only bureau that has not removed this information and refuses to let me dispute it anymore. Also, they have multiple wrong addresses on my reports that they will not correct. The latest completed disputes were XX/XX/2019 and XX/XX/2019 with no changes.

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 2019-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America is not complying with the Expedited Funds Availability Act of XX/XX/XXXX. They are placing a hold of 9 calendar days and as many as 6 or 7 business days of checks deposited with an amount over {$5000.00}. The account in question is in good standing and has never had any issues. Deposits of this type have previously not been subject to this type of hold. I have depositied many checks with similar of greater amounts from this same payer company with no issues or holds applied by BOA. Their mobile app stated at the time of deposit on the morning of XX/XX/XXXX that the funds would be available the next day and then a day later were place on hold until XX/XX/XXXX. Attempts to rectify this problem with the bank via their customer service line and at the BOA location on XXXX XXXX in XXXX XXXX, TX have been fruitless. 
Federal regulations state clearly that they should have already released all of these funds by now.

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 2018-03-21
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 for them to release my medical information to a third party. I am aware that the HIPAA 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 -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 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 agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: ID Analytics, Inc.
State: NY
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:
I previously filed a complaint on XXXX by XXXX  due to a denied loan. I was told the reason was due to too many inquires, which was strange because I hadnt applied for anything. I was told to contact Sagestream LLC, a company Ive never heard off. Ive tried to call to no avail. Ive submitted all requested information to Sagestream in order to receive a copy of my credit report and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was a victim of a customer service/fraud scam, which resulted in the loss of {$2000.00} + {$490.00} = a total of {$2500.00}. 

After filing a claim initially with Cash app ; they initially determined that my cash app account was compromised, and they were working to secure my acct ( confirmed XX/XX/XXXX ). Consequently, on XXXX XXXX after linking my new card ; Cash app proceed to process unauthorized payments of {$2000.00} from my XXXX account as soon as my new card was linked. Then, closed my cash app account stating that I had violated the terms and conditions, and insinuated that I was possibly conducting the fraudulent activity which is 100 % false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I came into an agreement with chase bank for a card i defaulted on making payments, I settled the account for less and in return they was going to delete my account of the credit bureau and put as settled. but they havent done so and i tried disputing it but they wont remove it .. I have a letter they sent me saying that they will honor the agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, 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:
Repeatedly, since and before XX/XX/XXXX, EXPERIAN has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that EXPERIAN provide the ( 1 ) method of verification EXPERIAN utilized, the ( 2 ) name and address of the furnisher to whom EXPERIAN sumbitted and received the investigation report, the ( 3 ) bona fide, true, correct, and complete, document, contract, agreement, authorization upon and through which EXPERIAN asserts that my affirmative consent has been or was given and EXPERIAN has continuously refused, failed, and ignored my demands for EXPERIAN 's compliance with federal law. Instead EXPERIAN sends to me a credit investigation report in which EXPERIAN reports 05 of 06 disputed inquiries REASONS as " Unspecified. This inquiry is scheduled to continue on record until ... '' and 01 of 06 as " Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until ... '' I have no knowledge of any of these inquiries AND i certainly have NOT requested an auto loan from nor through XXXX!!! As recently as XX/XX/XXXX in EXPERIAN Report number XXXX, EXPERIAN is still actively reporting and selling to its subscribers inaccurate, unverified information!

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 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
RE : XXXX XXXX  : BACK IN XX/XX/XXXXXX/XX/XXXXI WAS RESIDING IN XXXX XXXX XXXX I HAD RECENTLY MOVED IN TO THE COMPLEX IN XX/XX/XXXX. MY MOTHER PASSED AWAY AND I WENT INTO THE OFFICE AN SPOKE WITH THE RESIDENT MANAGER. I ADVISED HER MY MOTHER PASSED AWAY AND THAT I WAS MOVING BACK HOME TO CARE FOR ELDERLY FATHER. I PAID A SECURITY DEPOSIT WHEN I MOVED IN NOT SURE OF THE AMOUNT TO THE DIME BUT IA PAID OVER 1000.00 TO MOVE IN AND I GOT A MOVE IN CREDIT FOR XXXX. I EXPLAINED TO THE MANAGER THAT I HAD TO BREAK MY LEASE DUE TO MY MOTHERS PASSING I EVEN BROUGHT A OBITUARY BACK TO HER. IN XX/XX/XXXX SHE ADVISED SHE WILL WORK WITH ME AND I WOULDNT BE RESPONSIBLE FOR THE REMAINING OF THE LEASE. SHE ADVISED I SHOULD BE GOOD UNLESS THERE WAS DAMAGES. I MOVED THEN LATER ABOUT A YEAR XX/XX/XXXX I SEE THIS ON MY CREDIT REPORT FOR OVER 1000.00 THIS AMOUNT IS INACCURATE. I HAD A CREDIT FOR MY DEPOSIT AND THE AMOUNT I SHOULD OWE IS XXXX   FOR THE CONCESSION I RECEIVED UPON MOVE IN. I LEFT THE APARTMENT CLEAN NO DAMAGES AND CLEAN CARPET. NOW THEY ARE COMING AFTER ME WITH INACCURATE CHARGES. AT FIRST WHEN I SEEN THIS ON MY CREDIT REPORT AS XXXX XXXX I WASNT SURE IF IT WAS A PREVIOUS PROPERTY MY DAUGHTER RENTED IN MY NAME WITHOUT MY KNOWLEDGE SO I DISPUTED AS FRAUD. I AM DISPUTING THIS DEBT DUE TO INACCURACY I WILL PAY THEM THE XXXX  AND NOT A DIME MORE. THEY KEPT MY SECURITY DEPOISIT MY BALANCE SHOULD REALLY BE 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 2018-09-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Credit reporting, credit repair services, 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:
One main XXXX XXXX XXXX XXXX These were just a few I noticed I didn't apply for called company didn't remove

Company response to consumer: Closed with explanation