BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 


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 XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
At about XXXX XXXX I noticed I was missing my Bank of America XXXX Merrill Lynch XXXX credit card. I checked the B of A app and noticed XXXX fraudulent charge. 

I tried to use the Bank of America app to lock my card, and report lost, cancel it, report the charge and get a replacement. But this was nearly impossible to do in the app. I spent so much time trying to XXXX and figure out how to use your all. 


I looked up the XXXX number for the fraud department. I was waiting and still trying to use the app. The app is needlessly confusing forcing me to use XXXX, a digital assistant, rather than just giving me the options like anyone else. 

It took me so long to figure it out, the person was able to successfully make ANOTHER purchase for almost {$200.00}. If your app was only easier to use, or phone wait times shorter, I could have blocked the card before that charge occurred. 

Meanwhile, it took MORE THAN 45 MINUTES to get through to your Fraud department. The person created a claim, refunded the charges, and issued a replacement card. The agent, XXXX, told me the DIRECT line to your Fraud department was XXXX. She told me to call back with the police report number. 

I called XXXX, the direct line as XXXX told me, and again waited 45+ minutes on hold. 

A guy comes on the line and says there's nothing he can do. He's not the right department. But wait! This is " the direct line '' to Fraud according to your previous representative...?! 

I'm again transfered and AGAIN wait on hold. After another agonizing 20+ minutes a woman comes on the line to take some the police report. But wait! Your systems are down for maintenance, and there's nothing she can do. She could take down a note, set a reminder, create a callback. Nothing. So infuriating. I was told this was the direct line, and after all that wait, we can't even get the memos on the case! 

Ridiculous customer service as always from B of A.

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 2022-09-23
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These inquiries are unauthorized : 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
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/XXXX, with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the accounts I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}

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 2022-09-23
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was sued by a XXXX, XXXX, and XXXX XXXX. 
I started making the settled payment arrangement amount {$150.00} a month, then I was laid off from my job, I contacted the office and was able to speak with someone and they asked how much I could pay right then and I told them that I could only pay {$75.00}. They was able to accept that amount and I was told to email a copy of termination letter from my job. I called the office several and was unable to get through because their phones were experiencing system problems. I have notes of dates and times that I've constantly tried to reach out to them. No one answered my emails. I received a threatening subpoena letter from them a few days ago, threatening to arrest me if I don't fill out a form with my bank account number. This is a collection agency and they're portraying as if they're attorneys at law. 
Please help me in directing me on how to handle this situation. 
I'm being treated unfairly as if I never tried reaching out to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved for assistance through the North Carolina Homeowners Assistance Fund. HAF made the first payment to SPS on XX/XX/XXXX. It was in the amount of {$2.00}, XXXX and was to reinstate my loan, going back to payments missed since XX/XX/XXXX. HAF also made payments for me going forward through XX/XX/XXXX, for a total of {$3.00}, XXXX. 
The second payment made by HAF was on XX/XX/XXXX, in the amount of {$350.00}. My mortgage company, SPS, never applied thise payments to my loan, neither the reinstatement lump sum or the XXXX payment. My caseworker with NC HAF was able to verify that SPS confirmed receiving the payments. My attempts to resolve the matter by contacting the ombudsman department at SPS have been unsuccessful. I realized what they had done when I called to make my XXXX mortgage payment, and the amount I was told I needed to pay did not show me as being credited for the HAF payments. I was first told it would take them a few business days to research and resolve the matter. As if today, it has been two weeks and they still refuse to acknowledge or correct their error. Today they said " call back after XXXX XXXX ''. I feel like that is unfair and unacceptable. They have been paid for many months, and I shouldn't have to get behind on my payments again while I wait for this mistake to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: LA
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 numbers have violated my rights : - XXXX, XX/XX/XXXX, {$540.00} XXXX, XX/XX/XXXX, {$660.00} XXXX, XX/XX/XXXX, {$11000.00} XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX, XX/XX/XXXX, {$1000.00} XXXX, XX/XX/XXXX, {$780.00} Per 15 U.S.C 1681 section 602 A. states that I have the right to privacy. Also per 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Early Warning Services, LLC
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was attempting to sell an item on XXXX XXXX, listed at {$150.00}. Someone inquired me about purchasing it, but it turns out they were a scammer. They tricked me, using the Zelle app as the mode of payment into giving them {$150.00} for them to pocket, then deleted their account and our messages. The bank confirmed it was fraud but could not find anyway to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I DO NOT HAVE KNOWLEDGE OF ACCOUNT THAT WAS OPENED IN MY NAME. ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT MY CONSENT!! I DO NOT OWE THE AMOUNT LISTED XXXX. PLEASE REMOVE FROM REPORT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as it was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015.

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 2022-12-03
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I've be had this account since XXXX. I've made on time payments, they took it up themselves too give my information to another creditor, all because of late payments. The original creditor is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called the company at ( XXXX ) XXXX to ask why my account was closed. They claimed I closed the account upon finishing payment in 2017. Although I did finish payment, I did not request the account to be closed. 

This error is causing problems on my credit report, as this was my account with the longest credit history. This error has resulted in higher interest loans for me and affecting my quality of life. I want this company to be investigated and my account to be re opened. I did not close it or request it to be closed. This is a violation of my rights.

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 2022-10-20
Company: Solar Mosaic LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I hired XXXX XXXX XXXX XXXX to remodel my home, with a written contract and financing through Mosaic ( their bank ). XXXX  told Mosaic that the job was completed for the kitchen remodel when it was not. Mosaic released the funds for the ENTIRE contract to XXXX despite the job not being done. Since XX/XX/2022, I have tried to reach out to Mosaic via phone, text, and email to get this corrected and to reclaim the funds from XXXX  to no avail. XXXX  is refusing to return the funds and refusing to complete the contract. I am still being held accountable for the monthly payments despite their refusal. Since they haven't been back to finish the job, I've had to finish it on my own. Because of this I want a full refund. I'm uploading some pictures, but I have a whole video that I can provide that shows the extent of how unfinished the project was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$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 2022-08-22
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
My family had individual credit cards under business name with my father as the head of the account for XXXX years. It happened to be the only card I used as I was accumulating points. When my father had his first XXXX XXXX years ago we thought it best that I become the in charge of the account. We called Amex to find out the steps to make this change. This required a verbal consent on the phone, as well as signing papers that were provided to us. We did everything they told us to do. Fast forward to 2021, my father XXXX XXXX. Within a month I was doing a transaction and the credit card was declined. Without any communication to me they closed the card having been notified of my XXXX XXXX XXXX. They also took all my close to XXXX points away. When I called they were incredibly hostile and rude. They told me to write a request for my points with a detailed explanation. It was declined. They conveniently have no record of any changes to the account XXXX. We have tried numerous times and now they state it is too late. Isn't that convenient as well? I would like my points that I earned only using their card for that specific reason, to get points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have fraud protection due to an exposure of personal information. I got a warning that an attempt from " XXXX XXXX  '' to open a bank account. 
Found : Bank Account Opening Bank : XXXX XXXX I contacted XXXX, and they had me stay on phone while they called XXXX XXXX, a South Carolina branch ( not connected ), and their online bank. None of these banks said that they had an account opened for me or could track the credit request. I was told someone might have misrepresented themselves as " XXXX XXXX, '' recommended I freeze my credit reporting, and that I should report the incident to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: REGIONS FINANCIAL CORPORATION
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:
I sent Regions Bank an affidavit XXXX XXXX regarding an account opened without my permission. I received a response on XXXX XXXX from an XXXX XXXX from the XXXX XXXX department that the account was frozen. Until this date the accounts are reporting on my XXXX, and XXXX credit profile, ( XXXX ) ( XXXX ). In accordance with the Fair Credit reporting act, Regions Bank has violated my rights. 

1

5 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency reporting agency can not furnish a account without my written instructions. 

15USC 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. 

Attached is the documentation that was sent and the response email. 

idtheft XXXX XXXX XXXX, XXXX, XXXX AM to me Hello, Your affidavit has been received. We have frozen the account ( s ) opened with your information. We will review the affidavit and close any accounts opened fraudulently. At the completion of our investigation, a resolution letter will be mailed to you. Please allow 30-45 days for the investigation to be completed. 



Thank you, XXXX XXXX XXXX XXXX XXXX Team Lead Corporate Security Regions 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 explanation