BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Avadyne Health Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX of last year I had a car wreck. They sent me a bill and i began making payments on it. I have been paying on it for almost 7 months, then out of nowhere i get a letter from a collections company saying my bill has been sent to collections, even though the hospital has been sending me bills with updated amounts on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2023-11-14
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Was hospitalized for a couple months due to XXXX complications. Contacted the company and was assured they would work with me and my account would not be reported late. They reported my account 30 days past due. I contacted them and explained the situation again, and informed them I was keeping my end of the arrangement and had made the agreed payment, and they refused to remove or correct the late payment on my credit report that I was told would not be reported in the first place. I asked for a resolution to remove the late payment report and they refused to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX, Account # XXXX. Account name : XXXX XXXX, Account # XXXX. 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 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 2023-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
12 USC 1813 PLEASE REMOVE AND CHANGE TO PAID IN FULL AND RETURN ANY FUNDS DUE BACK TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Attached correspondence is modifications trial documents received from XXXX XXXX XXXX XXXX and Rushmore Loan Management. I made the 3 trial payments to XXXX XXXX XXXX upon 3rd trial payment clearing my bank, my mortgage servicer changed to Rushmore Loan Servicing. Received letter servicer changed, letter from foreclosure attorney stating my home was set for property foreclosure sale. Rushmore didn't honor trial modification with XXXX XXXX XXXX and didn't apply 3 trial payments that cleared my bank. Rushmore Mortgage sent another Trial Agreement, trial payments with Rushmore increased by $XXXX and the interest rate adjust out. My interest rate is at approx. 10.00 percent.  XXXX XXXX XXXX   final modification agreement was never received. My account was assigned to XXXX XXXX at Rushmore, I feel Rushmore is attempting to take advantage of me and set me up to lose my homes,they have not followed servicing guidelines for Consumer Protection. Please assist me with mortgage assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Jon Barry and Associates, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXX XXXX XXXX/ and XXXX XXXX XXXX XXXX  . Also Paragon Revenue is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2019 my sister sent me XXXX on cash app and I cant get the money because I no longer have access to the number that I used for the account so I tried to contact cashapp and they gave me directions as to what to do to solve the problem but it still didnt work and I reached back out to them to let them know they directions didnt work and I havent heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to Lakeview Loan Servicing LLC within the last year or so. In that time they have claimed that we are behind on payments.

Most recently ( right now ) they claim we are two months in arrears however the holding company has provided a history that shows all payments have been made. We get reminders that electronic statements are available by email but not if there might be an issue. We check periodically but did not check recently because everything has appeared to be proceeding normally. 

Out of the blue, I get a credit alert that the company has reported that we are delinquent. When I looked at their site, they indicate that we are XXXX months in arrears. I have sent emails along with information from the holding company yet no response. 

We need them to correct their records and fix the credit report. 

Thanks, 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 2019-08-16
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is an old XXXX XXXX XXXX cell phone bill from XX/XX/XXXX which has already been bought and by XXXX with the amount of {$210.00} bought on XXXX XXXX. They have not contacted me until I did a dispute with XXXX XXXX a few days ago. Told them to stop calling because I cant confirm if they arent scammers. They have not sent me anything At all in the mail and no emails or anything. I think this whole thing is a scam on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Statebridge acquired servicing of our loan 14 months ago in XX/XX/XXXX.  We have consistently made clearly identified principal curtailment payments each month.  However, Statebridge has misapplied 8 out of the 14 principal curtailment payments.  Our payments have either been placed in an "unapplied funds" account or split between future payments not yet due and a reduced amount to principal.XXXX XXXX, Collections Lead, became my contact in XX/XX/XXXX, after the first misapplication was not resolved with numerous phone calls and emails to Statebridge.  XXXX  was initially non-responsive but eventually told me- on XX/XX/XXXX - Statebridge had 60 days to properly board and verify my account.  Despite this alleged 60 day window, my payments for XXXX, XXXX, XXXX and XXXX, XXXX were all misapplied, requiring me to constantly email and make phone calls to demand the funds be properly applied.Our payments for XXXX  and XXXX, XXXX  and XXXX through XXXX, XXXX were properly applied without issue. But then our XX/XX/XXXX payment was again misapplied.   XXXX XXXX became unresponsive to my emails.  On XX/XX/XXXX, I received an email from XXXX XXXX, AVP of Servicing, who assured me he would monitor the account and "ensure accuracy in the postings."  Despite this assurance, our XXXX, XXXX, XXXX  and XXXX, XXXX principal payments have been misapplied.  After numerous emails and phone calls, all but the XX/XX/XXXX payment were fixed.  The XX/XX/XXXX payment remains in an "unapplied funds" account, resulting in Statebridge accruing unearned interest.  XXXX XXXX is now being unresponsive.Moreover, despite having no escrow account, Statebridge made a disbursement for voluntary insurance and our account now shows an "escrow shortage".  Attempts to have this fixed have been met with silence.Statebridge has shown a distinct pattern of misapplying funds in both the loan account and in an imaginary escrow account.  I need them to cease and desist these practices and honor the terms of our contract.  The extensive email chain of all the time taken to have our account properly serviced is beyond the pale.  The is no way to treat a disabled veteran and a senior citizen.Docs attached:  (1)  Loan history; (2) Letter re not collecting insurance funds; (3) Escrow analysis showing -0- escrow; (4) email chain over 14 months.

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 2022-12-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
New York & Company? Runwayreward credit card is failing to report my account status on a monthly basis to the credit agencies. This failure is affecting my credit rating. Please update this information on a monthly bases. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2018-12-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Q Data International Inc dba XXXX  XXXX  has attempted to collect an alleged debt from me. I Q Data International Inc dba XXXX  XXXX   has placed negative information on my consumer reports and has caused me financial harm. I.Q Data International is not a licensed debt collector in my state ( State of Texas ) and has violated state statutes regarding debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Today on XXXX Friday the XXXX Bank of America has stolen {$12.00} out of my account for maintenance fees even though I have direct deposit to avoid this. Yet they still charge me every single month, sometimes twice if I dont check my account. They claim its a computer glitch but after the fourth time, this isnt an accident. Please stop them as Im sure this happens to millions of people who cant check their account or go through their entire months transactions. Theyre making millions off stealing from their customers and claiming it as bank error.

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 monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE OPENED XXXX XXXX FRAUDULENTLY IN MY NAME. I HAVE SUBMITTED AN FTC REPORT AND A LETTER FROM XXXX XXXX STATING THE ACCOUNT SHOULD BE REMOVED OFF OF MY CREDIT REPORT. XXXX, EQUIFAX AND XXXX SHOULD REMOVE THESE 4 ACCOUNTS OFF OF MY CREDIT. REFER TO THE FTC FOR ALL VARIATIONS OF THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
since XX/XX/XXXX of last year we qualified for loan modification and partial claim. 

We were working with XXXX XXXX XXXX XXXX to assist in getting a loan modification. 

XXXX, Our initial mortgage company had agreed upon a {$1400.00} loan modification with XXXX. 

We then received documents with a partial claim but no loan modification. 

This was brought to their attention, then more than a month later they send the same paperwork with the same missing paperwork. 

After they send the second package, loan was transferred to flagstar bank. 

Flagstar has agreed to honor the XXXX monthly payment and we have paid every month since XX/XX/XXXX  with no progress from Flagstar. 

Currently Flagstar calls 3 times a week for debt collection purposes and to update on the status of the loan modification. 

The account has been with Underwriters since XX/XX/XXXX with no progress since from Flagstar. 

Our point of contact is not able to get any other information to us beside what she always says which is " the account is still with underwriters '' and " I can get with my supervisor and call you back '' which she never does. 

XXXX XXXX XXXX continues to assist in this process even past what they were obligated to do. But XXXX and Flagstar do not seem to care enough to move this any further. 

Soon this process will have been open for a year with no actual progress done. 

We dont even have an actual written agreement with Flagstar just a verbal agreement that they will honor the past agreement with XXXX. We continue to make our payment of XXXX every month though.

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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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've been submitting validation/ dispute letters since XX/XX/2019 about the inaccurate reporting of a public record applied to my personal credit report. 
Whom ever this collection agency is listed as Unkown or -- - on my TransUnion Credit Reporting. The  balance is XXXX but I'm unaware of what account ( s ) are linked to this inaccurate reporting. I've requested information linked to this debt such as the name of the person the information was collected, address & their contact information. The credit bureau hasn't sent me any information linked to this public record. Since the credit bureau could not furnish any documentation or any information, I requested complete removal of this public record from my personal credit report. The unverified item still remains.

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 2018-12-04
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I called first citizens bank to ask about fees of receiving a domestic wire. At that time, I was told that the fee would be XXXX for such a transaction. 

Therefore, two weeks later, I transferred funds from my brokerage account to my checking account through wire transfer. However, I was charged a {$16.00} fee. I tried to resolve the problem with the representative over the phone, and a supervisor told me she will listen to the phone recording within 48 hours and return me the fees if the representative did give me such information. Two days have passed and I still did not receive any feedback, so I called the bank again asking for update, but the supervisor was not available and the representative says she could not see any further information. 

Today, I was notified by the bank that they closed my account because I moved large amount of money too often with my business account. But as I am running an asset management company, it is very understandable to be moving money among different stock brokers through my bank account, and the type of business has been disclosed to the bank when I opened the account. The amount I transferred is roughly $ XXXX, which is tiny in the asset management industry managing millions or billions of dollars, so the reason does not really make any sense. I suspect it is because the bank knows the representative told me wrong information and punish me for normal business move. Meanwhile, still no one has reached out to me regarding the fees that the bank charged.

Company response to consumer: Closed with explanation