BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Shellpoint Partners, LLC
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 is missing that should be on the report

Complaint:
On XX/XX/2022 I applied for an mortgage loan with a major bank. I authorized to pulled my credit reports. The bank told me that my mortgages aren't on my credit reports. I have my current credit reports. I explained I had these mortgages for years. On XX/XX/2022 I contacted my two mortgage companies by fax : XXXX XXXX XXXX, XXXX advising monthly amounts {$1700.00} not being reported and 2.Shellpoint Mortgage amounts {$1500.00} not being reported. I have the letters that was faxed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: ID Analytics, Inc.
State: IL
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:
On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. XXXX XXXX was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX XXXX XXXX. I was unaware of this company  and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX  and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.

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 2020-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Received a credit card for Bank of Americas I. The mail which I never signed up for. When I called to inquire, possibly being a victim of identity theft, their automated system was no help. In fact, I believe they took my call as an activation call and activated the card. Again, I never signed up or have never signed up for a BOA card and have since cut it up and discarded it into the trash. But, I dont want my credit score affected by this!

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 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX It has been an on going issue this year alone with TransUnion & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my 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
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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:
According to the FCRA 15 usc 1681 sec 602a I have the right to privacy and also 15 usc 1681 sec 604a The debt collector did not have my written instructions to report such debt to a credit bureau Also according to the NCLC Fair Debt Collection & 8.2 A debt collector must speak to a consumer or send a letter or electronic message about an alleged debt before reporting the account to a credit bureau. 

All these laws were violated the companies are as follows : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2022-06-15
Company: EQUIFAX, INC.
State: NC
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 # XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OF 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, 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. 

Please delete from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: MA
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:
The credit limit on the XXXX/XXXX XXXX account on my credit report is not listed please provide this. If it cant be provided delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: OH
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:
According to Equifax, a security breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

This is highly disturbing because the breach was not reported until XXXX. As an IT security professional, this is gross negligence as such a breach should have been immediately reported to government institutions for protection and support of consumer data. 

Equifax ' poor response gets even worse as the new PIN numbers they are generating use a TIMESTAMP which can easily be brute-forced by attackers. 

What 's more, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of reasons. It runs on a stock installation XXXX, a content management system that does n't provide the enterprise-grade security required for a site that asks people to provide their last name and all but three digits of their Social Security number. The XXXX certificate does n't perform proper revocation checks. Worse still, the domain name is n't registered to Equifax, and its format looks like precisely the kind of thing a criminal operation might use to steal people 's details. It 's no surprise that XXXX-owned XXXX XXXX was blocking access to the site and warning it was a suspected phishing threat. ( Update : The whois records were updated on Sunday and now show the domain is registered to Equifax. ) Another indications of sloppiness : a username for administering the site has been left in a page that was hosted here. Here 's what it looked like before it was taken down at about XXXX XXXX  California time : Enlarge That by itself would n't allow for unauthorized access, but it 's still something that should never have happened. 

Equifaxsecurity2017.com is a site setup by Equifax in response of the breach. 
In the hours immediately following the breach disclosure, the main Equifax website was displaying debug codes, which for security reasons, is something that should never happen on any production server, especially one that is a server or two away from so much sensitive data. A mistake this serious does little to instill confidence company engineers have hardened the site against future devastating attacks. 


On XX/XX/XXXX I was forced to institute a freeze on my Equifax, XXXX, and XXXX credit reports/accounts in order to protect my financial/credit assets. This took multiple hours to handle and had to pay {$10.00} in fees in order to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Made an agreement with Chase Amazon credit card for 2 different offers for 0 % APR financing. Chase is stating that because I over paid my credit card by a small amount than what was due. The 0 % APR offer is cancelled and requiring full payment of remaining balance due immediately. Not only was never informed this was the case, they seem to want to penalize a slight overpayment. 

Attached you'll find 2 statements, one before and one after this error was made. You'll also notice no mention of overpayment cancelling the remaining 0 % APR offer on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Paypal Holdings, Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been using Venmo for a couple years without issues. However, on XX/XX/XXXX my father sent me a payment of {$140.00} and minutes later they froze my account. They asked for a picture of my I'd to verify my identification. Do, I sent a picture of my state issued ID. They then asked for information to old bank accounts that I unlinked from Venmo almost 2years ago because the accounts are no longer active. I explained I no longer have those accounts and that is the reason they are no longer linked to my Venmo. So now they are permanently closing the account which is fine. However I have asked them to reverse or refund the {$140.00} payment my father just sent me and they refuse to do so. This seems so unfair they freeze and close my account right after having received a significant payment and refuse to refund the payment to my father 's account or give me any access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mailed XXXX mortgage payment to Homepoint Financial. Payment was cashed XX/XX/XXXX, however online my account said Paymwnt Complete {$0.00} instead of XXXX which was the regular payment. I began calling and finally around the XXXX Homepoint located my payment- it had been applied to another customer 's account on accident. I was told it would be corrected within 24 hrs. XX/XX/XXXX it still had not been corrected, spoke with a manager XXXX, he assured me he would get with the director and correct it. XX/XX/XXXX I made my XXXX payment but it was applied to XXXX because they still had not corrected my XXXX payment. Calling daily. Managers never call back. XX/XX/XXXX and payment still has mor be corrected and now I see it has been put ad a missed payment on my credit reports. As well, I am paying interest daily on that money. Can not get any resolution from Homepoint Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2017-09-12
Company: Experian Information Solutions Inc.
State: MO
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:
Personal info stolen in data breach.

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 2022-06-15
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im dealing with plus four inc w debt collector that is saying I owe XXXX dollars or so to tusail and associates Ive never seen in XX/XX/21 and with desert radiology that I owe nothing to, Ive read the reviews on this place there located in XXXX XXXX XXXX  and other people have the same issue as myself I have no idea how they got my information but its affecting me and my credit please I need help from these crooks.

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 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
INACCURATE INFORMATION VIOLATES HIPPA, CRA ITEMS ARE NOT CORRECT

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 2017-09-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the recently announced Equifax breach, I have tried to request a Freeze on my credit report with all XXXX bureaus. I have tried contacting the freeze phone number for Equifax and XXXX that is published on XXXX 's website ... I receive an error message stating that the service is not currently available. I have made the phone call attempt multiple times. 
From there, I tried to submit the freeze request via online. This attempt was also unsuccessful as I get an error message that the server is not available. 
I was successful in requesting a freeze through XXXX, however both phone and online options have not been successful with Equifax or XXXX. I need to request a credit freeze due to the breach, but can not do so. The attempts made have been XXXX times, literally. In other words, I am not submitting this complaint after only trying the phone number or online XXXX or XXXX times. I have literally dialed the number and/or tried the online request XXXX times. 
My credit and identity is at request through no fault of my own and I would like to request a freeze for my protection, but the tools that Equifax and XXXX have provided are not in working order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried XXXX times in the last week to put a freeze on my credit account at Equifax. They say the service is not available and they make lame excuses about Irma impacting things. I have tried on the phone and on their website. I have successfully placed a freeze at XXXX ( who makes this process the simplest ) and at XXXX. Equifax is playing games. 

I would also like to complain that this process is overly burdensome. I have to put a freeze on both my account and my wife 's. I have invested well over XXXX hours in this process already and I am still not finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My aunt from XXXX was trying to support me here in XX/XX/XXXX USA, when I had bad time, so I dont have to sleep on the street, but can rent a hotel, becuse i had no money at the time. She is an average citizen of XXXX living on pencion, older ladyfor here its lot of money. and for me at the time ... ..she is not some kind of millionare and older lady ... .she send me money money gram {$400.00} and people in XX/XX/XXXX told me that money was send back, she also never received it .... so it was lost .... please help us find it, because I needed right now to recover in the hotel before i get a next job and do something with college ... ..I currently was kicked out of the apartment and dont want to sleep on the street ... that could also happen to the other foreighn students here, there is a lot of fraud around here ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT/AND CREDIT CARDS SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report on XX/XX/XXXX and did not see any accounts from CREDENCE RESOURCE MANAGEMENT. However, today, XX/XX/XXXX, I see a new account reported by CREDENCE RESOURCE MANAGEMENT from XXXX in the amount of {$290.00}. I never received any correspondence from this company about any debt prior to reporting. According to the Fair Debt Reporting Act, I am supposed to receive written validation and verification with the right to dispute before reporting to the credit bureaus. This company violated that act and illegally reported a debt I never knew about. 
I also checked the State of Florida Department of Business Regulations through XXXX XXXX and saw that CREDENCE RESOURCE MANAGEMENT is NOT authorized to do any business in Florida as they do not have an articles of organization or incorporation nor do they have a statement of positive activity from the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying since XX/XX/XXXX to obtain funds from two Bank of America business checking accounts that my deceased wife had at Bank of America. The accounts had balances of approx {$3000.00} and {$6700.00} respectively, and were included in the inventory of assets in her estate. They were in the name of her sole member LLC. She passed in XX/XX/XXXX, and I am the personal representative of her estate and its sole beneficiary. I received no response from BofA 's Estate Unit, other than return of her death certificate and Maryland Letter of [ Estate ] Administration, and after inquiry was told I needed to visit a local branch. I have tried to work with BofA 's XXXX XXXX, Maryland area branch since XX/XX/XXXX and have only gotten a run-around. 

I guess BofA thinks if they stall long enough they can just keep the approx. {$9700.00} in the two accounts, but they should not be able to.

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 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately, these issues are creating a barrier for a new business.

Company response to consumer: Closed with explanation