BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 making this complaint against XXXX XXXX, XXXX. for committing identity theft. I have never given XXXX XXXX, XXXX. any permission to use any of my identifying information to commit mail fraud by contacting me about any alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) and lawfully discharging the debt pursuant to UCc 3-604 ( a ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX, XXXX. can provide me with sufficient documentary evidence that I have any legal or lawful obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX, XXXX. continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX, XXXX. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the document herein and of this notice, you are hereby notified pursuant to UCc 1-202f. Your promt attention and response are both requested and required.

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 2022-07-22
Company: Upstart 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX UPSTART XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Lendmark Financial Services
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I open an account with Lendmark Financial, XXXX, GA XXXX, in XXXX 2015 for {$5000.00}. Today, I called and ask for my payoff balance and the manager XXXX stated my payoff is {$4900.00}. 

She further stated the reason why the balance is still high is that when I paid two or three payments in advance I should have still made payments the following months so the interest would not continue to accrue. 

She also stated I was charged late fees of {$30.00} from making payments 1 or 2 days after due date. This is unacceptable because when I initially open this account I set it up for automatic debit. 

As of today, I have paid over {$2300.00} plus late fees and my balance is {$4900.00}. 

Your assistance is greatly needed and appreciated in this matter because I really do n't want to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Credit Card Receivables Fund Incorporated
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Unifund CCR Partners put a hold of {$5000.00} on my checking account. I never received anything in the mail in regards to this debt. They state I owe {$11000.00}, I do not have any debt, have not had a credit card since 2002. Nothing shows up in my credit report. 
I am XXXX yr old man, on SS and workers comp. The bank XXXX, let this happen as well. I have my SS and XXXX direct deposited to my account. Both XXXX and Unifund are in the wrong. This was done on a Friday and I am not able to do anything until Monday. This is causing me stress as I am on a fixed income. 
I am taking legal action for this illegal practice. How can a company put a hold on money without proper notification. I never received a summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Between XX/XX/2018 and XX/XX/2018 I applied with XXXX XXXX of XXXX to purchase a mobile home. We had to apply for a Mobile Home Loan via their loan servicer Vanderbilt Mortgage and Finance. In the process of transferring my handwritten credit application into electronic form the income reported for the borrower was doubled. Also when signing the closing loan documents the borrower nor the co-borrower were advised of our right to rescind, a notice of rescission was never given to us. 
We also have 2 different conditional loan approvals one states we are married the other states we are not. one states that we wish to not disclose our race while the other one states our race. One loan approval has a higher interest rate, higher payments, while the other one has lower interest rate with lower payments, all based upon the same reported income. I believe that myself and the borrower are both victims of predatory lending. as a result of a financial hardship we were sent a letter of default and subsequently evicted. Also an amount of XXXX and an eviction was reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Santander Consumer USA 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:
Santande r USA is reporting  on my  XXXX  credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
ON A PREVIOUSLY CASE, WHICH IT IS STILL OPEN AND NOR RESOLVED, CASE # XXXX, I AM STILL RECEIVING THREATENING LETTERS OF COLLECTION AND STATEMENTS ACCOUNT SHOWING MY ESCROW SUSPENDED, NO MONIES BEING APPLIED TO IT, AND ACCUMULATING LATE FEES. MY ACCOUNT IS CURRENT AND ACCORDING TO PREVIOUS ANSWER ON THE ABOVE MENTIONED CASE, IT SHOULD HAVE BEEN SOLVED BY XXXX/XXXX/17. I NEED AND URGENT ACTION ON THIS MATTER PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: ProCollect, 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:
In XX/XX/2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.

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 2016-07-21
Company: FIRST HORIZON BANK
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, 2016, I sold a condo to folks who previously had rented the property from me ( XXXX XXXX and XXXX XXXX ). As part of the purchase contract, I paid the closing costs. As part of the final Settlement Statement, the mortgage loan officer and the closing agent stated by phone and email that if we did not purchase the " optional '' owner 's title insurance policy that the price of the lender 's title policy would increase proportionally. In effect, this practice forces the purchase of a product ( the owner 's title policy ) to the detriment of consumers. I am seeking a refund of this cost ( {$270.00} ) and for regulatory intervention by the CFPB to consider ending a practice that is unfair to consumers. 

The purchasers have given me authorization to file this complaint on their behalf. Thank you for your assistance! 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Original complaint filed against this CRA on XXXX XXXX, 2016 under case number XXXX. Instead, of acknowledging the complaint, the CRA sent a standard " boiler point response that they will check with the original furnisher of information ''. In fact, report number XXXX, dated XXXX XXXX, 2016 has XXXX accounts that are listed on the report as : " This account is scheduled to continue on record until XXXX 2016 ''.

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 2022-07-22
Company: EQUIFAX, INC.
State: FL
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 wi the fair credit reporting act, XXXX I account number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Prosper Marketplace, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Prosper Loans is illegally reporting a past debt that is over 10 years old and I filed bankruptcy on to the credit bureaus. They are changing the dates to make it look like a more current loan so they can keep it negative on my credit. I filed bankruptcy on this debt 10 years ago and even the bankruptcy has been removed from my credit due to reporting time limit of ten years. I contacted prosper and they refuse to fix it and said to contact credit bureaus but they do n't do anything as. Prosper continues to report the debt and did so XX/XX/2016 as seen on the attached screenshot. I just wonder how many other people they have illegally done this too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 ( Original Creditor : XXXX  ), # XXXX XXXX XXXX, # XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit on XXXX to see a hard inquiry from JP MORGAN CHASE BANK dated for XXXX. I have not applied for any credit cards, anything a credit check would be necessary for, or given consent for my credit to be pulled. I began contacting CHASE XXXX to get this resolved. Their fraud department was closed so I gave up for the night with them. Submitted a dispute with XXXX XXXX and it was denied XXXX. Today, XXXX, I began calling Chase. I was redirected to 3 different numbers within the Chase company by the employees I spoke ( with no actual help, I explained to them my issue and they would give me a number and before I could clarify who I was calling they would legit hang the phone up while I was mid-sentence ) with to be redirected to XXXX. The automated service did not allow me to resolve my issue. I then googled XXXX and spoke with someone helpful to put a fraud alert on my credit but said I needed to submit a report here and gave me this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MD
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 ( Original Creditor : XXXX  ), # XXXX XXXX XXXX, # XXXX XXXX XXXX ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced a condo XX/XX/XXXX with no problems. I did not set up an escrow account and paid my taxes and insurance separate from my mortgage payments. XX/XX/XXXX, RoundPoint Mortgage contacted me saying they had paid for my insurance and wanted to be paid back. I checked with my insurer, and they did have a payment from RoundPoint, so in XX/XX/XXXX I paid RoundPoint. Then in XX/XX/XXXX, I looked through my paperwork for the refinance. I have a XXXX form that shows that I paid for insurance as part of closing. I 'm not sure where that money went, and I think I paid twice for that year of insurance. I have called XXXX repeatedly, only to have them tell me to email their servicing help desk. I did that and only received an automated response and no reply as to what any research they may have done turned up. I also sent a letter explaining the situation with a hard copy of the HUD-1 statement and sent it by certified mail. RoundPoint received it ( per USPS certified mail tracking ) on XXXX. I just called them again and was told to email them. I do n't think they are doing anything to look into this matter, and I just keep getting a run-around.

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 2022-07-22
Company: EQUIFAX, 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:
I have been submitting letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; AXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  # XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: IL
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:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2017-10-21
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity. My XXXX XXXX credit card : XXXX is lost/stolen. Someone cancelled my XXXX XXXX credit card account. I never called XXXX XXXX to cancel my account. There are some fraudulent and unauthorized charges on my XXXX XXXX credit card account. I want XXXX XXXX to send me a new credit card with a new account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: Amsher Collection Services, 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:
In XXXX of 2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX years prior and let the account go negative resulting in it going to collections. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Using a Lowes Credit Card I made a purchase ( ~ {$1500.00} ) at Lowes XXXX New York some three months back ~ XXXX. Lowes was not able to deliver the item. Lowes credited my Credit for the amount of that purchase.

Aften ~three month of me making other purchases at Lowes using my Lowes credit card, SYNCHRONY BANK decided to refund the remain credit card balance of {$1000.00}. They debited my account for that amount on XX/XX/2021. I called SYNCHRONY BANK reguarding the debit to my credit card on XX/XX/2021 and they ( XXXX ) said that a check was sent ( by XXXX ) to me on XX/XX/2021. I did not receive that check. on XXXX I again called SYNCHRONY BANK and told them that I still have not received a refund check from them. A asked them for a tracking number but they refused. SYNCHRONY BANK would not provide me with any tracking information or any proof that they actually sent refund. 

To date : I have not received the refund by check and I am out {$1000.00}. 

Can you please help 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 explanation