BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Date : XX/XX/XXXX Re : Fraud/stolen identity To whom it may concern, I am addressing above since there are several companies to which I must address this issue to : My name is XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I would like to say that I have never requested nor have given authorization for anyone to request or act on my behalf in requesting any form of credit cards or loans or anything of this nature. 

I had a roommate for many years. His name was XXXX XXXX. Since, I am homebound he took care of all household issues and my affairs. I am elderly and get confused easily, and so he had access to all of my personal information. He never gave me a reason to doubt his sincerity. He would go to the bank for me, did the household shopping, take me to Dr . Appointments and handle the mail and bills. 
I have my own separate bank accounts. He had his. 

However, Mr. XXXX passed away at home on XX/XX/XXXX. It was a great shock to me and has saddened me tremendously It was at this time that I started to get my own mail and making arrangements to get assistance from friends and family. 
To my surprise I started getting bills from different credit card companies in my name. 

I was so confused and did not understand, I reached out to my friend, XXXX XXXX, who has been guiding me. It was she who discovered that there are approximately 5 ( as of XX/XX/XXXX ) that I know of credit cards with outstanding balances. 

Most recent I received new credit cards showing my name with a second card showing his name. 

In the more than 40 years that I intrusted him I would have never imagined him doing this. 

I humbly request all accounts to be closed. Since these were fraudulently opened without my knowledge nor consent. 



XXXX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX spoke to Ms. XXXX and advised of the ID theft. She referred me to Ms. XXXX of the faraud dept who advised me to fax all documentation which was done on that date at XXXX. My fax indicated received. 

As of today XX/XX/XXXX nothing has been received and bills still coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
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: Account status incorrect

Complaint:
My loan is being reported 210 days late by XXXX and I can't get a representative to resolve the problem or even respond to my concerns. My home secured by the XXXX loan is currently under contract however I have no place to move since obviously, no landlord or mortgage company is going to deal with someone whose credit indicates they are 210 days late on a mortgage. 

My Trial Modification was never granted on my loan when XXXX took it over from XXXX. As you can see from the attached I made the payments as agreed. Below is a summary of when these money orders were cashed. Whats more, every single one of my payments since the loan was transferred last XXXX has been made on time to XXXX with certified funds and delivered by certified mail. There is no factual basis whatsoever for disputing that I made each payment on time. Copies of the cashed money orders are attached. 

XXXX is now claiming to not have received one of these payments. This is the first time I have heard this. I am very concerned that it is not lawful for XXXX to simply ignore my repeated requests to stop placing inaccurate information on my credit report. Please help me to resolve this. 

Below is a summary of the attached money orders receipts and Trial Mod due dates. 
Trial Mod Payment # 3 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 2 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 1 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018

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 2018-11-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
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'm an XXXX XXXX solider who serve his country and HSBC doesn't provide XXXX percent customer service they told me that would help me out with fraud transaction, as stated on their ad, we aren't XXXX percent reliable for these fraud transaction and these are the charges XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XXXX XX/XX/2018 XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX I was told that it was supposed to be credit back but it never gotten transffer from the previous card ... i called the customer service rep we spend over an hour on the phone so i got fed up with it. so now im deciding to write this letter so the world can see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: M&T BANK CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
$ XXXX was wired to my company account on XXXX XXXX, 2021 internationally. M & T bank is still not releasing the funds and refuse to send $ 650K outgoing wire internationally although we have submitted all of the requested documents to M & T bank. They keep telling us to wait until their security process is completed but it has been 2 weeks already and there is no answer from M & T bank.

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 2023-03-05
Company: Experian Information Solutions Inc.
State: MI
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 Account XXXX XXXX XXXX # 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion continues to report fradugelent information on my credit report after I have provided with proof of a police report & identity theft report that these accounts do not belong to me. I have no knowledge of these account or give anyone permission to open these accounts in my name. The following accounts XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX/XXXX XXXX do not belong to me. They are also reporting names that I told them are incorrect. My name is XXXX XXXX that is how my name should be on my credit repport. I have never lived at XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC or XXXX XXXX XXXX XXXX. These inquires that are being report I never gave anyone permission to access my credit or review it for the following companies XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and 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 2021-04-17
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:
I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed several medical debts with this company ( United Consumers Inc ) and the credit reporting agencies for reporting  accounts that do not belong to me and are greatly impacting my credit report. When disputed with the credit reporting agencies this company continues to verify this debt through the stroke of a keyboard using the Credit Reporting Agency XXXX - ( XXXX XXXX XXXX XXXX  XXXX  ) without any substantial verification. When I dispute with the company, they send me a printout of hospital visits ( in my name ) but visits and treatments that I never took - how does this happen?!. This I'm sure is a direct HIPAA violation. I hope CFPB can help me get to the bottom of this. Otherwise, the only thing I know left to do is hire legal counsel and pursue litigation not only against United Consumers Inc but the credit reporting agencies as well for unsubstantiated reporting and sharing medical information of another individual.

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 2023-08-23
Company: EQUIFAX, INC.
State: AZ
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:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account number XXXX {$420.00} 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account number XXXX {$490.00} XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account number XXXX {$420.00} Personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a mortgage from XXXX financial institution XXXX. This institution went out of business for a long time, maybe XXXX. For over ten years I am been dragged in and out of court by other institutions in an effort to confiscate my home. 

When I bought this house, I was part of the mortgage scam. I was given a mortgage for over {$500000.00}. As an elderly American I was not aware of all the trickeries applied to me. I got a house and when I went to take over it was a shell. No bathrooms no kitchen, no running water, no plumbing, roof caving in, no heating system ; It was just a shell. I was tricked. I cried because I was indebted to a bank and I had no home that was fit for living in. I was a victim of the mortgage scam. I did not know how to fight a big bank. I paid the mortgage and had few repairs done so I could live in this shell I was given. How could a bank authorize and pay out {>= $1,000,000} mortgage for a shell. 

The bank XXXX is no longer in existence. Two judges have since dismissed the foreclosure case. Today the judge is rescinding saying he made a mistake. Now another bank Seterus financial institution is putting my home on the auction. Who can investigate these financial institutions for such robbery to a widow with no husband to help fight such giants. What I understand is that I was robbed and the representatives of the financial institution XXXX and the parties involved must have known. 

After fighting this situation, depleted all my resources, to live in my home, now another bank is claiming my home. Who am I to petition to investigate both the assets of XXXX a bank no longer in existence and Seterus who is claiming to own this robbery of a situation? Please help I can not be robbed twice for the same home.

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 2023-07-22
Company: EQUIFAX, INC.
State: AZ
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. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Account status : Unpaid Amount : {$1700.00} 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 2019-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
In XXXX ofXX/XX/XXXX I opened a XXXX card with them, the limit was not what I was expected and I was recommened to wait 6 months, apply for another credit card and that I would be able to combine their limits. I had previously used this service successfully. 

On XX/XX/XXXX after six months I again applied for the same card and was approved at the same XXXX dollar limit. I went ahead and went to their website to proceed with the combination of the two cards. I was then given an error saying this service is temporarily suspended. 

I called customer service to see when the service would be available again on XX/XX/XXXX. I spoke with a customer service representative and was told this service is unavailable and they have not date for when it will return. I then esclated to a supervisor and they informed me that this service is now suspended and has no date for return. The ability to request it is still on the website and my terms of service of both cards still mention the ability to do so. 

Capital One was unwilling to allow me to do this. After dealing with a Senior Account Manager I was told that there is no further place to escalate this issue and they were  unable to provide me contact with anyone beyond the Sr Manager. 

There was no communication on this feature change, it is still advertised on their website and XXXX. My expectation is that if they are removing a critical feature that I have used multiple times as customer has been removed, that it would be communicated and at least removed from the XXXX  or site. 

Had I had this information I would not have applied for this credit card. Now I am stuck with a hard inquiry on my credit report, a credit card that I really don't need since the whole objective was to raise the limit by combining them. They were also unable to provide me details on what further steps I could take to get the the credit lines merged. 

They gave me a XXXX dollar credit line increase on my original card, and a XXXX dollar limit on the new one. I do not understand why they would extend such a large line of credit on a new card as opposed to just increasing my current product with them. 

This has negatively effected my total age of accounts, hard inquiries on my credit report and given me another credit card to carry around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from Portfolio Recovery Associates dated XX/XX/2018. I have spoken with and been assured that XXXX will not contact me in any way. As I am severely XXXX and on XXXX, there is no possibility that they will ever be paid. I indicated that on the phone and they assured me they would not contact me again, in any way for any reason. 

I have written to XXXX over the years requesting the same thing, no contact, yet they continue to contact me. Admittedly, the contacts have reduced to only once every several months, but they still contact me. 

Please, No more contacts. I can't pay and have made my situation clear and agreed to send them my XXXX benefits letter if they wanted proof, which they have not wanted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: Certegy Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX, XXXX ( XXXX XXXX ) uses Certegy Check Services to collect on checks that are returned for insufficient funds. XXXX was taken a cashier check in the amount of {$2500.00} for ck # XXXX dated XX/XX/2018, XXXX XXXX that was returned. I was asked informed by the XXXX employee the check would be shredded, Certegy Check Service presented the check to my bank for payment XXXX and it was paid even though they had a cashier check in their possession. 
I've spoken with Certegy several times. I was told the refund check of {$2500.00} was mailed out XXXX but I have not received the funds. I spoke with XXXX XXXX Dealer Manager with XXXX and he also stated the refund was mailed out. This lack of assistance with this matter is urgent and I feel I'm being misled on purpose. Is this a practice for Certegy and XXXX to not refund Clients funds if so I'm requesting their collection practices be investigated for their collection practice.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 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