BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: Experian Information Solutions 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:
XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my Experian and XXXX Credit Reports.

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 2020-11-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with PayPal which since has been closed and they have been holding the funds for they say 180 days in case they have to cover anything. The account has {$180.00} and is under my email of XXXX I am going through and have been going thru, terrible ID theft and computer hacking. One of the accounts or companies in general was PayPal we are multiple accounts of mine were close by PayPal due to suspicious activity and I was never given any explanation as to why and left to pay balances on transactions I submitted to them as being on authorized. This particular account has {$180.00} in it and I have waited the 180 days and it is impossible to get a hold of anyone or get any information on this funds. I have a separate account as well with about {$400.00} and empathy I have erased the transaction history

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the inaccuracies of XXXX XXXX  XXXX on my credit report with Equifax on XX/XX/19. XXXX received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was denied credit I checked my report and notice accounts that I believed it was not mine. I emailed & sent a certified letter to XXXX XXXX disputing the validity of three accounts and requested statements. XXXX XXXX ignored my dispute and did not even investigated the dispute, then they could not even verify my address that's when I came to the conclusion these accounts were fraudulent.

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 2022-10-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never been late on this account, please provide physical proof of late payment. Also, please provide method of verification. 

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 explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
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:
On XX/XX/2018 I filed a formal complaint with Equifax that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. Equifax simply responded by updating those accounts as verified and accurate and NEVER sent me this verified proof that I demanded. There is also a XXXXXXXX XXXX and XXXXXXXX XXXX inquiry on my report that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Linebarger Goggan Blair & Sampson, LLP sent me a letter threatening to report any unpaid debts to WA Dept of Licensing who will suspended my license and/or deny future vehicle registration if I don't pay. They're attempting to collect " Delinquent Court Fines '' and since I've never been to court I dug in deeper. Turns out they're attempting to collect parking tickets on behalf of XXXX XXXX XXXX however, I don't have any unpaid parking tickets. There are no dates listed on the letter, no license plate info, nothing. No one has ever contacted me regarding parking tickets, not City of XXXX ( who you'd think would be the first to engage ), or any other collection agency. All of that being said I'm assuming this is Fraudulent activity and asking for your help resolving. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I received my direct deposit to my bmo account and could never log into my bmo account. I called the branch and they told me my account was under investigation. I asked for dates to check back and was told no timeframe. I reached out to the bank again a week lsyer abd still received no answers and I was transferred to a line that hung up on me. After numerous tries of reaching out for communication Ive finally given up. I havent been contacted by this agency and they still are holding my funds from my unemployment. Ive been told I was gon na receive help. I was told I would be able to go to a branch to get my funds out. I was given the direct number to the security and fraud deidrtment to speak with a XXXX. But Ive called and left numerous voicemail fir consecutive days ( 2 ) and its XXXX I still cant receive my unemployment funds as this has been a tough time already. Im asking this bank be prosecuted to the fullest extent because this isnt the first time their keeping my funds from me and I would like all the intrest that theyve gained from holding my money illegally and to have them sanctioned and all consequences imposed directly to their organizations as a whole. And I would like to b compensated for my emotional stress, my incinviences, and for my overall unsatisfactions with this company. Please.

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 2020-11-19
Company: Best Capital Funding
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Were to start ... well I have already file a complaint because Best Capital Funding did not cancel the purchase of a property on time it took them 4 months to cancel this. Even though XXXX had promised me that he was going to work with me to unwind the purchase and do it right he never did. Her never follow up to let me know how things were going. When I realize they were not trying to do anything I contacted XXXX XXXX the XXXX of the company. He was very rude and told me that he didnt care what XXXX and XXXX XXXX his agent had promise me that the only thing he could do at the moment was to payoff of the loan. Which was done after all the pressure I put and after receiving the complaint from the credit bureau. I took the Settlement that they offer, but first they were requesting for me to remove the complaint that I had file and to sign a Release of Claims document. XXXX XXXX another agent of Best Capital funding had email me with that request and had mention that I would receive the copy of the reconveyance from XXXX which might take 21 days but he was trying to rush it and I have not receive anything until this day. That email he sent me with that information was on XX/XX/2020. I thought that everything was fix, but according to the county of XXXX my name is still not removed from them properly since they have not file this document and the title company has not received it. I been emailing and calling Best Capital Funding since XX/XX/2020so that they can provide me with the full reconveyance and the prof of the how they paid of the loan I have not heard back from them. Today XX/XX/2020 I call the XXXX XXXX XXXX and he said that he was going to email XXXX that he couldnt provide me with the prof of the payoff and he hung up the phone. He was very rude. This situation is unethical, stressful and draining. I dont understand why they make it so hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Needed a quick loan, so I reach out to a loan thing on the internet, filled out my information then the next day my account plus saving was gone! My bank want me to file a police report in Oder to reopen my case

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 2020-11-19
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called my mortgage company back in XXXX after I realized that they have not been reporting to the credit agencies. I was assured it would be escalated and it would take one month for it to cycle and show up. It is still not on any credit reports. I was previously with DITECH back in XXXX and New Rez hasn't been reporting anything since I have been transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I randomly received a notification of a new hard inquiry by the store XXXX XXXX, when that obviously wasn't me. This was today on XX/XX/20. First I reached out to customer service of XXXX XXXX, which they told me they can't do much unless I reach out to XXXX XXXX credit card customer service and get a letter from them. So I called them next, gave them my social, which they told me they don't even have a application from me with my personal information. I even called XXXX  customer service to see if I can speak with them, since my XXXX credit report wasn't updated with the new hard inquiry, but couldn't succeed reaching a actual representative. So I called back for XXXX XXXX customer service and explained that XXXX XXXX must have just made a mistake and explained to them what I did. I at first didn't mention that my wallet was stolen on Monday,XX/XX/2020 because I didn't think at first that had something to do with this, but felt I should say it because obviously my wallet had everything in it, such as ID, etc. I was then asked did I make a police report, which I tried to because not only was my wallet stolen, but my car was broken into. Still to this day the cops haven't called me back to do a actual report and find who did this, so I was left with the option to get in contact with you guys by the representative at 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 2020-11-19
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 the COVID19 virus became widespread and there were major shutdowns in NJ that caused our household income to drop by more than 60 %. I requested a forbearance on all mortgages for my house in XXXX, NJ. I spoke to a representative at Specialized Loan Servicing and they told me the forbearance would start in XXXX and would last for six months. It turns out that they only applied it for three months and in XX/XX/2020 I received a report on my credit stating that the account was delinquent and my credit score dropped nearly 100 points. I contacted SLS and they stated there was nothing they could do about it and that the forbearance was only three months. They also claimed to have reached out to me when the period of three months was done by mail and by phone. I received neither a message on my phone or any written letter with this information. Realizing that I would not get any help from SLS i requested to continue the forbearance and that a supervisor contact me. They stated that they would have a supervisor contact me within 48 hours and no one from SLS ever called me back.

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 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I signed up for paperless billing this week. Today I received an email from Bank of America saying my payment on the XXXX XXXX credit card of {$38.00} was due by XX/XX/2020. I knew I owed more than that so I checked my account online. Sure enough, I owed {$5200.00} this month. The {$38.00} payment was the minimum payment due BUT the email did not say that. I find this absolutely appalling and I know this is how companies keep people on the hook by charging interest each month on the ever growing balance. This is usery and should be illegal.

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 2018-01-23
Company: HUNTINGTON NATIONAL BANK, THE
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/2017 ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 - Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
i want for All disputes that where open with Equifax From XXXX  XXXX to be withdrawn and i want for equifax to force and report the information from XXXX  XXXX on my equifax credit report the information was disputed from my equifax report without my permission and i also contacted XXXX  XXXX and told XXXX  XXXX that the information about my credit card account is not showing on my equifax credit report capital told me unfortunately that the accounts get reported to all 3 credit bureau and XXXX  XXXX keeps advising me to contact equifax to fix this problem and also XXXX  XXXX told me they cant do anything to fix this problem i uploaded a statement from the credit card account and equifax needs to correct this information on my credit report. that why am not accepting equifax response Equifax needs to fix this and i want for this account to report again on my report please add the XXXX  XXXX account back to my equifax report My Social Security : XXXX Date Of Birth : XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Debt was paid to XXXX XXXX XXXX and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.

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 2020-11-19
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XXXX of 2020 my reliabank card was activated without my knowledge or permission. A total of {$6800.00} was stolen from my account. When I called reliabank to file my complaint I was given the wrong card id number to put on all paperwork and police reports. The mistake was caught after nearly 90 days. I was given the correct card id number which I included when I re faxed all the documents. I still have not been reimbursed and was told today that it could be another 45 to 90 days before I get my money

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the inaccuracies of Bank of America on my credit report  on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from company. The FCRA gives the company 30 days to respond. I have not gotten a response.

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