BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Spring Oaks Capital, LLC
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: Account status incorrect

Complaint:
XXXX, Spring Oaks Capital LLC and XXXX XXXX XXXX are reporting inaccurate data to my consumer report. 
SPRING OAKS CAPITAL LLC- Original Creditor : XXXX XXXX XXXX XXXX OPEN Balance {$650.00}. 
Acct Status : OPEN. 
Remarks : Dispute Resolved and Customer disagree. ( should this be taken as it's perfectly fine to continue to furnish and park inaccurate data on my personal consumer report ). I disagree by reason of FCRA law, and according to FCRA Law an account can not be reporting Open and In Collection at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The credit report agency continues to illegally show ch XXXX filings that were simply filings only & dismissed. 

I am disturbed that the company continues to list the dismissed ch XXXX on my credit file. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcies about dismissals and filings! 

The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or DISMISSED, no longer exists in the eye of the law and a case filed that was never and has NEVER been actually adjudicated. Therefore you have no right to maintain information that the government has deemed legally nonexistent. 

Therefore pursuant to Section 1681 a ( 5 ) of the FCRA you must DELETE this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your answer within 14 calendar days.

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 2020-05-29
Company: EQUIFAX, INC.
State: TN
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted loan care on or about XX/XX/XXXX, inquiring as to why our property taxes had not been paid, as we received a final notice from the XXXX XXXX XXXX Department advising taxes had not been paid. Not only did I call, I also filed an online inquiry through our account portal. I was advised by XXXX XXXX that a ticket had been opened and they were working to resolve the issue. 

I had to contact XXXX XXXX again in XXXX as they did not apply our monthly payments correctly. While speaking with them, I advised them that I still did not receive a response advising that our property taxes had been paid from escrow. I was advised then they were in contact with XXXX XXXX XXXX Department and were set to be paid. 

On todays date, XX/XX/XXXX, I received notification that our property was sold on XX/XX/XXXX for {$140000.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. The notice advised that the buyer may institute an action to foreclose the property. 

We have never been late on a payment, short on the payment, etc. I filed a complaint on the same company back in XX/XX/XXXX for a separate issue and have had numerous issues with this company. 

After conducting extensive research, this company continues to do conduct business in such a manner.

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 2022-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This is a response to my previous complaint, since it doesnt seem anything got done. I am still getting statements that show a {$0.00} balance, even though they told me they would close out the account.

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 2021-05-06
Company: Foris DAX, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
CRYPTO.COM does not responds for over a month. There is no telephone and no address. I used to trade with them and they have assets either crypto currency or US dollars that I want returned, but they dont even reply online to me. Can you help? My name is : XXXX XXXX XXXX aka XXXX XXXX XXXX ; XXXX XXXX XXXX, my Email : 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 non-monetary relief
Consumer complaint received 2019-03-26
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019 I was notified from my employer of someone trying to reach me from northstar locations. This happened last year as well and I submitted a complaint last XXXX to not contact my employer as I can not take any personal or any calls period as that is not apart of my job to take calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a business checking with Bank of America. My account was overdrawn for the first time, and I made a deposit the same day. But I just found out that it was overdrawn and I got charged a fee of {$35.00}. I contacted them and they told me they can't fix it. 

I know that there is a rule where you don't get charged any overdraft fee if you make a deposit the same day. You can see this thru my transaction. I deposited {$1400.00} on XX/XX/XXXX, and the payroll was withdrawn. At that point my account is positive and then the overdraft fee was withdrawn making my account negative.

The overdraft fee was charged on XX/XX/XXXX and the amount is {$35.00}.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX : {$0.00}

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 2020-05-29
Company: Experian Information Solutions 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:
I have contacted Experian many times to dispute and remove incorrect reporting of XXXX, account # XXXX. As stated on my previous requests, the images provided accurately depicts that a payment was made on XXXX and XX/XX/XXXX. 
This is an incorrect reporting of my account status and clearly a violation of my consumer rights. 
According to the Fair Reporting Act " Accurate Reporting If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. IF THE INACCURATE INFORMATION CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY HAS A RESPONSIBILITY TO REMOVE IT. If you are not able to clear up the matter, you are allowed to add a statement to your credit file explaining the situation. 

I have disputed this with the XXXX  under File # XXXX ( XX/XX/XXXX ) and they have NOT CHANGED THE ACCURACY OF MY DISPUTE DESPITE DOCUMENTATION FROM XXXX  CONFIRMING NO LATE PAYMENTS. IN FACT, EXPERIAN ERRONEOUSLY ADDED THE MONTH OF XXXX. 

Again, correct and remove this. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

I have spoken to XXXX and they informed me they have NOT received any requests from Experian disputing the abovementioned account despite me disputing this item 4 times!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information was used to attempt to obtained credit with out my knowledge this have severely effected my credit score i reached out to each credit company and they have done nothing to help me.

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I purchased items using my XXXX account. This XXXX  account is linked to my Bank of America credit card. Later I found out that I got charged the foreign service fee from Bank of America. It turned out they charged this fee because it was a foreign transaction. I was not notified by anyone that I was a foreign transaction. I asked XXXX, vendor, and bank of america to reverse the charge, so that I can use a different card without any foreign transaction fee, but no one was able to help me. I contacted Bank of America more than 3 times regarding this, and visited a local branch once. 

Similar thing happened to me before with XXXX, and XXXX was able to give me a credit back to my account.

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 2017-09-18
Company: SYNCHRONY FINANCIAL
State: NY
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 customer service

Complaint:
I applied for a Walmart Credit Card and was approved. I called up and asked for a Credit Increase. The increase was denied and I decided to Not Accept the Credit Card. Credit rep told me no card would be opened or sent to my home. I checked my credit report yesterday and there is a New Account that was listed and closed within 1 day. This is incorrect as I declined the offer. My credit has gone down XXXX points because of this. I Called Walmart and spoke to one of the rudest representatives there who told me there was nothing she would do. Walmart lied to me about the account and it should be deleted. I never accepted the offer .The terms and my rights were not read to me when I declined the offer. I will be also filing a complaint with the NY State Attorney General

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 2018-04-28
Company: CITIBANK, N.A.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am writing in complaint of the newly adopted discriminatory practices of XXXX XXXX XXXX and Citigroup against companies and individuals who are simply following the law and are interested in practicing their legal rights to items not restricted by state or federal government. Their new measures block and individual from purchasing guns without a background check or who are younger than XXXX. It also bars the sale of bump stocks and high-capacity magazines. It would apply to clients who offer credit cards backed by Citigroup or borrow money, use banking services or raise capital through the company. 

It is not the place for a bank or any company to create legislation or laws outside of the normal process of elected government. The consumers who use banking and credit services have no elected representation within XXXX XXXX XXXX or Citigroup so they have no recourse to prevent their freedoms and rights from being violated by private companies. These banks are effectively creating the same effect as a government creating a law, but it is being done without the normal representation and protection every American has under government. Blocking commerce is effectively destroying liberty. When s Bank is as big as these two banks and they decide to make it impossible to purchase legal items, not only do they destroy the freedom and liberty of individuals through the blocking of their ability to own products, but they immediately destroy private companies who are merely trying to practice their dream of building a legal business.

Should the United States take action to make the legal age to purchase a gun to be XXXX, then that will be the law of the land and Americans that disagree will have the powers granted to us under the courts to pursue correction, however we do not have such protection when a bank blocks commerce and blocks Americans from purchasing a legal item. 

How would it be any different if XXXX  or Citigroup opted to block the sale of Bibles or any materials that say XXXX is a sin? Where the bank might disagree, the 1st amendment is a protection of free speech, but if a bank feels the 1st amendment should not allow specific speech, they could powerfully destroy that liberty by making sure no American could purchase anything that supported beliefs the banks do not believe in.

I urge you to take these complaints seriously. If not blocked, these two banks and possibly others will be emboldened to pursue addition social change through their lending actions. This is a threat to our constitution and our very way of life that should scare and concern every American regardless of their personal beliefs.

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 2021-11-04
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received text msg ( XXXX XXXX XXXX ) ( XX/XX/2021 ) from XXXX XXXX XXXX indicating that XXXX XXXX XXXX. has sent a debt for collection to Halsted Financial Service for their action. 
I do not recognize XXXX XXXX XXXX. for any accounts ( present or past ) and called XXXX XXXX Security office ( XX/XX/2021 ) and spoke to a manager with XXXX XXXX. I explained the circumstance, and he checked their records for any accounts registered with my cell phone number. he said there was nothing in their system. Additionally, he indicated that the XXXX XXXX XXXX phone number in the initial text is not valid to XXXX XXXX. 
Today ( XX/XX/2021 ) I received a further message from XXXX XXXX XXXX ( Halsted Financial Service? ) which specifies that an email has been sent to me, regarding this collection. No email associated with this cell phone ( or any other email accounts ) has been received regarding this situation. Halsted web page does not list a XXXX XXXX XXXX as a contact number Neither of the two phone numbers appear valid for the two respective organizations.

No email communication has been received from either organization XXXX XXXX mail has been received from either organization. 

What can be done to resolve this situation, which appears to be a phishing scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under WORKERS COMP, WHICH I AM STILL UNDER WORKERS COMP PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never consented to this information being furnished, and this infringes upon my right to privacy. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX / XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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

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