BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 four separate transactions in the amount of {$1300.00} were made from my account through XXXX that were not authorized by me. I did not receive a notice of fraud or anything. The only reason this was discovered was because I went on my account to check my bank statement. 

I immediately reported the fraudulent charges to Bank of America on XX/XX/2023 and they stated they would look into it. In early XXXX, the {$1300.00} was credited back to my account. On XX/XX/2023 I received a notice in the mail that they were going to take the money out of my account again because they had decided that this activity was consistent with previous activity on my account, which was not true. I have never made a transaction through XXXX of more than {$100.00} and never to either of the two people that the XXXX transactions were sent to. I called Bank of America to again dispute the charges and they reopened the case for reconsideration and said they would make a decision within 2-30 business days. I called on XX/XX/2023, XX/XX/2023 and XX/XX/2023 and spoke to representatives with B of A. I called again on XX/XX/2023 and still no resolution. 

Bank of America then claimed that a text message was received by me on XX/XX/2023 confirming the XXXX transactions. I submitted my phone/text records that showed I did not receive a text on that date regarding that transaction. In fact, I didn't receive a text from anyone on that date. They then moved the goalposts again and stated that it was consistent with previous activity. 

I, again, disputed the charges and stated that it is not consistent with previous activity. They can not prove how they are coming up with this information and I have shown them that it is not consistent. 

I am a XXXX XXXX XXXX XXXX XXXX that had {$1300.00} stolen through XXXX with Bank of America and they are refusing to return the money. There was a known XXXX issue in XXXX- as seen in numerous news articles at that time. Bank of America has not been responsive - I have reached out to them every time. They have never reached out to me to try to resolve this issue.

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 2023-08-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, XXXX XXXX purchased a residential property through a foreclosure auction conducted by XXXX XXXX XXXX FL. I paid {$390000.00} at auction, and have incurred several thousand in additional costs maintaining the property since then. 

Two weeks after the sale I received a recorded certificate of title. All of the County data bases show XXXX XXXX  as the current owner. 

After the purchase I tried to buy title insurance, but the new title search found a XXXX XXXX, for which XXXX XXXX was the trustee. 

I contacted XXXX XXXX in early XXXX to learn about the mortgage. They referred me to XXXX  XXXX XXXX. I was having talks with XXXX XXXX XXXXXXXX when I got a letter from XXXX telling me I should be talking to Select Portfolio Servicing ( SPS ). 

SPS refused to talk to me because I was not on the loan. I sent them my documentation several times. I called them approximately 30 times. They eventually agreed to tell me how much the payoff amount. 

After receiving the payoff letter, I sent them a proposal to settle the matter. No reply until I called last week. 

But, checking for mail at he property, I found numerous letters from foreclosure attorneys, all addressed to the PREVIOUS owners. 

That made me suspicious, so I checked the court records and found a new foreclosure against the property, initiated in XXXX, but filed agains the PREVIOUS owners. The XXXXXXXX XXXX XXXX  in XXXX, filed the new foreclosure on behalf of XXXX XXXX as Trustee to XXXX. 

As I said at the outset, XXXX XXXX is the owner of record in the County systems. No competent title search could have missed that. So the omission must be deliberate. 

So, either they have been dealing with me in bad faith for the past 6 months, or they were deliberately trying to engineer a new " arms-length '' sale to dissolve my ownership interest. I have called the XXXX XXXX XXXX there times. They have not returned my calls. I sent the attached documents to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently viewed my credit reports/files from XXXX, XXXX, and TransUnion. All 3 of the credit reporting agencies are reporting 2 collection accounts from XXXX XXXX XXXX XXXX : XXXX. $ XXXX acct # XXXX acct # XXXXTranUnion XXXX XXXX. $ XXXX acct # XXXX acct # XXXXTransUnion XXXX This information is inaccurate and is causing a negative impact against my reputation. I do not and have never had a contract with XXXX XXXX XXXX XXXX XXXX is reporting this alleged debt as past due even though I have never been contacted regarding this matter. Furthermore, I did not give my consent to XXXX XXXX XXXX to have or purchase any information about 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 2023-09-01
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells fargo allowed someone to open an account in my name some time in XX/XX/2023, I requested all information including all documents from the start up of the account along with account numbers and balances. They told me I would need to drive XXXX miles round trip to a branch to get this information.

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 2023-09-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV FUNDING LLC SENT " STATEMENTS '' WHICH ARE NOT ORIGINAL CONTRACT/SECURITIES SIGNED BETWEEN TWO PARTIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Tower Loan of Mississippi, 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: Credit inquiries on your report that you don't recognize

Complaint:
Tower Loan accessed my credit file on XX/XX/2021. I do not recognize this credit file inquiry and did not authorize this access to my credit file. My credit file has an active fraud alert and is currently frozen. I have also unsubscribed and blocked access to my credit report for any pre-approved promotional offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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:
I've reached out to equifax and asked them to remove XXXX with account # XXXX, and XXXX XXXX XXXX  with account # XXXX that I did NOT give written permission for them to place on my equifax reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2008 XXXX XXXX supposedly signed on behalf of Option one as assignee but it appears that this alleged assignment has been deliberately altered to redact the name of the person who supposedly executed the assignment on behalf of option one it was placed in a PSA and never make the cut off dates XXXX XXXX claims I owe XXXX XXXX From a refinance of XXXX Qwr was sent out to explain issues I never got a reply from them ahm are ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX****, XXXX  ( Original Creditor : 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXXXXXX 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 2023-03-29
Company: EQUIFAX, INC.
State: CA
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:
Dear XXXX  Previous XXXX  complaint id # XXXX has been solved. On XX/XX/2023 after I uploaded my court orders into the XXXX system Equifax corrected the problem on that issue. 

However, XXXX, there is a new issue that Equifax refuses to correct. I am unable to create an My.Equifax.com account. 

My account come up as a no hit meaning my file can not be located or seen. 

The reason I am approaching this issue with the XXXX, is because Equifax has refused to fix the issue. 

I called into equifax 2 days ago ; and the Equifax agent XXXX XXXX asked me to resend my court orders again. XXXX XXXX XXXX said he will call me back inside if 24 hours. XXXX XXXX never called back. 

XXXX, I will be loading documents on this platform for Equifax to view. 

I ask the Equifax remove the blue tag from my file and allow me to see my file using My.Equifax.com Everytime I call into Equifax, they ask me for the same exact documents everytime. It appears their departments are not communicating with one another properly. 

As my file is coming up as no hit across all platforms It is impairing my ability to be validated on other platforms such as SSA.GOV and has impacted me severely in many aspects. 

XXXX, I would like to have access to my file on My.Equifax.com enclosed are documents necessary to validate me. please see attachments and ask Equifax to lift all restrictions on my account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Capital Realty Professional LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraud began XX/XX/2022 in the amount of {$15000.00}. I filed a FTC complaint on XX/XX/2022. FTC Report Number is XXXX. I also filed a complaint with the FBI. I have attached the FTC complaint, and I will provide the more detailed FBI complaint upon request.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Subject : Complaint Regarding Account Opening Process at XXXX XXXX XXXX XXXX XXXX, MI Branch On XX/XX/XXXX  I spoke with the representative emailing all the necessary documentation, including an Employer Identification Number ( EIN ), articles of organization, and my identity documents, as an alternative to a Social Security Number ( SSN ). I expected to proceed with the account opening smoothly, but to my surprise, the representative went into default refusing to fill out a Form P1 ( Reasonable cause for not obtaining a payee number ) and requested a Social Security Number. This request caught me off guard as I was under the impression that providing an EIN, along with the other requisite documents, would suffice. 

My concern arises from the misunderstanding that occurred during this interaction. It is essential to clarify that while bank staff may request a Social Security Number, they are not mandated to obtain one. The distinction between requesting and requiring such information is crucial. In cases where a banker wishes to demonstrate their effort to collect a Social Security Number, Form P1 should be utilized, as it serves as a reasonable cause form. This form is designed to protect banking staff and ensure compliance with relevant regulations. 

I strongly believe that the bank staff XXXX XXXX and branch manager XXXX XXXX at the XXXX, MI XXXX should be well-informed about Form P1 and its purpose, as it plays a vital role in protecting both customers and the institution itself. By utilizing Form P1, clients can attest to the fact that the bank requested their Social Security Number but it was not provided. This procedure aligns with the provisions outlined in XXXX XXXX XXXX and Treasury Regulation XXXX ( c ), which allow for the waiver of penalties in such cases. 

I kindly request that you address this issue promptly and ensure that your staff at the XXXX, MI branch is educated on the proper application of Form P1 and the difference between requesting and requiring a Social Security Number for account opening. It is crucial to provide a more transparent and efficient process for customers who may not possess an SSN but have valid alternatives, such as an EIN, as recognized by the relevant regulations.

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 2023-08-24
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was notified by our lender when applying for a home that my Equifax report is coming back with an issue and that I would need to call Equifax to get it resolved. I called Equifax on XX/XX/XXXX and was told that I would need to mail documentation of my social because I was not pulling up in their system. On XX/XX/XXXX I overnighted through the post office my W2 and a copy of my drivers license. I called multiple times and they said nothing was received. On XX/XX/XXXX I received mail from Equifax stating that they received my information but they were unable to locate my credit file. I called Equifax again on XX/XX/XXXX and they told me that a lady by the name of XXXX XXXX at the address of XXXX XXXX XXXX in XXXX, IL was using my social, but they could not tell me any more information. I went to submit a report with the FTC on XX/XX/XXXX and they asked if this woman had used my social to open any accounts. Of which I did not know the answer to, so I called Equifax back on XX/XX/XXXX and they said we can't find you in our system. I hung up and then called back and asked to speak with a supervisor. XXXX, the supervisor stated that if he could pull up the documents I sent in he might be able to figure out what is going on. After being on hold, he then comes back to tell me that they can't find the documents that I mailed in. So he wants me to mail them in again. I asked if there was any other options as clearly their mail does not get reported correctly as I got a letter stating they got my documents, but now no one can find the documents. The only way to send in the documents is through the mail. This is concerning because if these documents are lost, how do they know that they did not end up in the wrong persons hands? And now I have to mail documents again and hope that they make it there and are recorded correctly. Please keep in mind that XXXX as well as XXXX have XXXX issues with pulling up my information. It is only Equifax that I am having issues with. This is delaying our home buying process and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: GA
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.

These accounts shown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, how is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have multiple company credit cards that are managed by Citi card services, including retailers and gas company cards. Recently I have noticed that when you sign on to any credit card site with the Citi logo to make a payment, there is no " Payment Due Date '' shown on the main account summary page. There is a " Make a Payment '' option but that choice doesn't give you the date due either. The words " Payment Due Date '' does appear on the summary, but no date is ever given. You must search for the payment due date by clicking the " Payments '' history. The " payment due date '' was always displayed with the " make a payment '' option, and had an actual date given. This new lack of a " payment due date '' is misleading in that it makes it look as if your payment isn't due yet or has not yet been calculated. I have multiple examples of a payment being due within days and no notice that a payment is due. I don't know the reasons for this change, I have reached out to Citi and have only received automated response that doesn't address the issue. This change will also lead to customers unknowingly missing payment deadlines and potentially hurting their credit.

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