BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
US bank sent a balance transfer check to XXXX XXXX per my request. Balance is on my us bank card and still on my XXXX XXXX card. Ive called each bank 3 times each and they say the other is responsible for researching. XXXX XXXX said US bank has to research bc they sent the check. Neither bank is helping me resolve and I am getting charged interest when I shouldnt be.

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 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America Account # XXXX XXXX XXXX XXXX for {$37000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=1XXXX, SSN=XXXXXXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2018-04-13
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SUNRISE CREDIT SERVICES CALLED MY PRIVATE PHONE NUMBER TODAY, XX/XX/2018, APPROX. XXXX, FROM XXXX, HIDING THE NUMBER OF THIER BUSINESS WHICH IS XXXX. XXXX XXXX started barking claims at me, tell me i owe some type of debt. I immediately told her i have no contract with Sunrise Credit and they must NEVER call me again and I demanded Validation of Debt, pursuant to the Fair Debt Collections Practices Act and informed HER, they have 30 days to provide proof of their claim and any communication within that 30 days, other then about the Validation, is a {$1000.00} fine, per incident. I called the company back later on during the day to obtain an insurance Claim form from this company so i may make a claim for damages. They told me my number has been removed and then questioned me why i was calling them. I asked for a Claim form because i was damaged by this company. Everyone at this company has refused to supply me with an insurance claim form. I asked a manager for a claim form and he hung up on me. I had to call back again to ask for the Claim form, this time i was transferred to a Supervisor who refused to listen to me, continued to rudely speak over me, refused to comply with obtaining a Claim form for me, which i demanded several times, he claimed the FDCPA does NOT apply to Sunrise Credit and then hung up on me. I specifically told this Supervisor named XXXX that Sunrise has injured my person and i need a Claim form to file a claim. XXXX asked me Why, instead of supplying the form and then hung up on me. The manager also had the nerve to ask me for my Social Security Number and told me, he can ask me whatever he wants because of " THE LAW ''. ALL TELEPHONE CONVERSATIONS HAVE BEEN RECORDED. I HAVE AUDIO CONVERSATIONS WITH THIS COMPANY THAT HAVE BEEN SUBMITTED WITH THE XXXX  and CFPB IF APPLICABLE. Same recordings will be used in a court of law.

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 2019-02-24
Company: Experian Information Solutions Inc.
State: SC
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:
Starting on XX/XX/XXXX I started the process of Disputing debt being reported by XXXX XXXX XXXX  who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/XX/XX/XXXX to XXXX  XXXX XXXX  and again on XX/XX/XXXX to all 3 credit reporting agencies Experian, XXXX and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

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 2019-02-24
Company: EQUIFAX, INC.
State: SC
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:
Starting on XX/XX/2016 I started the process of Disputing debt being reported by XXXX XXXX XXXX who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies XXXX, XXXX  and Equifax. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 
I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Starting on XX/XX/XXXX I started the process of Disputing debt being reported by XXXX XXXX XXXX/XXXX  who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX/XXXX  and again on XX/XX/XXXX to all 3 credit reporting agencies XXXX, Transunion and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

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 2018-04-13
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX has failed to produce a right to cure required by my state, committed libel by notating my account as fraud, disclosed privacy to a third party, threatened and harassed via phone calls, called multiple times within short times, told many different stories regarding my account, failed to produce a requested contract.

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 2019-02-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
For the past two months I have been using the Moneygram service to send my housing payments to the person who was going to rent an apartment for me in XXXX XXXX, New Jersey. This person 's name is XXXX XXXX. The monthly rent was {$690.00} which supposedly included utilities. On the apartment lease that I signed and was also signed by this person, it was established that I needed to make three payments : security deposit, first and last month of rent. Three payments of {$690.00} were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the money was picked up at the Moneygram location minutes just after the transaction was made by XXXX XXXX ( 1st payment ), XXXX XXXX ( 2nd payment ), and XXXX XXXX ( 3rd payment ). After the last payment was sent on Monday XX/XX/XXXX XXXX XXXX who was the " landlord '' was supposed to ship the apartment keys to my address. From that moment this person has been MIA, not answering phone calls or text messages or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX was my loan servicer provider for almost 4 years, my loans were consolidated before I started to make payments, and Ive been making consecutive on time payments under an IDR plan ever since. I applied for PSLF ( Im a XXXX XXXX XXXX ) and I got into the program, so my loan was transferred to XXXX on XXXX, XXXX. As soon as my loans were transferred I received a letter welcoming me to XXXX and to let me know that I was going to be receiving a letter stating how many payments were going to count towards my forgiveness. I never got the letter, but I did noticed on my statements that my loan was showing in two parts, the subsidized and the unsubsidized portion. The subsidized portion showed 0 payments and the unsubsidized showed 44. I did not understand why was that happening so I called them and they were not able to tell me the reason, so they submitted a review for my account, I called them once a month for a whole year and they told me that it was taking longer than usual to review the accounts. I finally got a call from them on Monday, XX/XX/XXXX they wanted to let me know that the review was ready and that the number of payments remained the same, but they were not able to give me an explanation. I didnt got a letter or anything from them. I still dont understand what is happening, I have all my payment history and my bank statements showing all the payments and it makes no sense to me that if the loans are consolidated they have a different number of qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Around XX/XX/XXXX, XXXX-currently, I contacted XXXX XXXX XXXX ( XXXX ) by phone regarding my situation due to Covid-19. I explained my current financial situation with my hours being cut and experiencing a furlough. This information was explained in its entirety to an upper level manager, who refused to empathize with my situation and provided no resolve for the issue being discussed. I further explored options to notify and file a complaint with the XXXX regarding this incident, the complaint is still active on the XXXX website with no resolve. After a few weeks, I received notification on my credit report regarding the account with XXXX and the late/delinquent payment, which continues to affect my personal credit score. I filed a complaint with the credit reporting agencies and this situation is still causing a negative impact on my credit.

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 2021-04-30
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This purported trust claimed to foreclose on a mortgage contract that never consummated in violation of MGL Ch XXXX sec 63 b and has since attempted to sell this property in violation of the bankruptcy laws.On XX/XX/XXXX, I signed documents that I understood was a mortgage and note from lender, XXXX XXXX XXXX XXXX XXXX, mortgage loan # XXXX, at XXXX XXXX XXXX., XXXX, MA XXXX. XXXX XXXX, Massachusetts as shown in the deed recorded at XXXX County Registry of Deeds book # XXXX page XXXX. 

According to the XXXX County Registry of Deeds stamp at the top right of the page, a purported Assignment of Mortgage to XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, Series 2007-9, was recorded on XX/XX/XXXX at XXXX XXXX. in Bk : XXXX Pg : 23-24 Page : 1 of 2 As of XXXX XXXX ( the settlement date ) funds were supposed to be disbursed to XXXX credit card XXXX in the amount of {$560.00}. After 11 years when XXXX discovered they had not been sent, the funds were reissued on XX/XX/XXXX. This was after the purported foreclosure took place on XX/XX/XXXX as recorded by the foreclosure deed that was filed in the XXXX County Registry of deeds on XX/XX/XXXX at XXXX in Book # XXXX page XXXX. 

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, XXXX XXXX, is registered on the Securities and Exchange Commissions public website as a purported XXXX trust with its constituting document, ( known as the Pooling and Security Agreement at : https : //www.sec.gov/Archives/edgar/data/1401795/000090514807004515/ecf-1677_ex41.htm This trust never existed and the contact never wa consummated in violation of the statute. The Massachusetts Division of banks sent Industry letters in XXXX and XXXX warning about this and possible sanctions.

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 2018-02-26
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2018 I applied for a credit card with XXXX XXXX XXXX. The next day they contacted me and asked me to lift the security freeze on my account. I never placed a freeze on my account and this has happened numerous times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied at Amerisave to re-finance my home on XX/XX/21. I put {$500.00} up front for being serious about doing it per their request. I guess history has repeated itself with them. I see they are known for pulling a Bait-And-Switch Mortgage Scheme. That's exactly what they did to me. At first the closing disclosure was one thing ( agreeable ). Then it kept changing way beyond belief! There is no communication whatsoever. I've really exhausted my effort with them. They are nothing but scam artists. I really want my money back. I've gotten nothing but the run around with them. This is the worst experience I've ever had doing this process. What can I do?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While attempting to set up new utilities at my new home in XXXX XXXX, XXXX I was informed that due to bad debt I was required to pay deposits. I then was told that someone named XXXX XXXX and XXXX XXXX are using my social security number to obtain utilities in XXXX, IL. I then filed a police report the same day with XXXX Metro Police Department as well as contacting XXXX XXXX XXXX XXXX XXXX. I spoke with their customer service and submitted the requested paperwork verifying I am the rightful owner of the social security number and for them to stop allowing these people to use my information illegally. I was told I have to prove to them I am the rightful owner of the social security number, even though this company did not make the thief verify their ID. 
I am now obtaining a ton of documentation to prove I have lived in XXXX, XXXX for the past 20 years and have never owned property in the state of IL. I have no knowledge of these people and can not understand why this allowed to continue, given her address is known.

Company response to consumer: Closed with explanation