BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX accounts has violated my rights. 

15 U.S.C 1681 Section 602 A states have the right to privacy 15 U. s. c Section 604 A Also states a consumer reporting agency can not furnish a account without my written consent or instructions XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, US Dept acct XXXX XXXX, XXXX XXXX XXXX  acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX  acct. XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX, and XXXX, XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a Notice of Service Transfer for my home mortgage from XXXX XXXX to Truist Mortgage in XX/XX/XXXX with an effective date of XX/XX/XXXX. I began monthly payments ( principal, interest and ESCROW ) to Truist Mortgage on XX/XX/XXXX. A XX/XX/XXXX statement from XXXX showed a payment of {$2200.00} for COUNTY Tax was issued in XXXX, XXXX. This amount was short of the TOTAL County Property Tax ( XXXX XXXX, GA ) issued in XX/XX/XXXX for {$2500.00}. I believe the check of {$2200.00} was issued to TRUIST from XXXX for the Escrow months of XXXX XXXX and that the remaining balance ( + {$310.00} ) to be paid from XX/XX/XXXX escrow at Truist Mortgage XXXX On XX/XX/XXXX, I received a PAST DUE Property Tax bill from XXXX XXXX, including late fees. I contacted Truist Mortgage Tax department on XX/XX/XXXX. Their records indicated that a " check was issued '' in XX/XX/XXXX in the amount of {$2200.00} but had no other information... who sent the check, was it cashed, etc. The Customer Service Rep opened an inquiry on my behalf. I never received a response regarding this inquiry so I followed up with Truist Tax Dept on XX/XX/XXXX. The Customer Service Rep indicated that a NEW check has been requested but not processed. Also, there was NO information regarding the status of the original check and why after almost 4 months since the transfer of my mortgage to Truist. A Complaint was filed with the XXXX XXXX XXXX on XX/XX/XXXX and a Representative from Truist reached out to me on XX/XX/XXXX. XXXX XXXX indicated a Case was " opened '' and it would take at least 1 week to review. This timeline is NOT acceptable as I made TRUIST aware of non-payment of by County Tax on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. This Property Tax bill should have been paid by TRUIST on XX/XX/XXXX. TRUIST Mortgage has mishandled and misappropriated funds in my Escrow 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 2023-04-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached to this company multiple times advising them that a debt they charged off doesn't belong to me. I also asked the credit bureau to investigate they didnt show me any results, they basically cited verified I asked for a copy of the investigation report and I didnt receive one, they also gave me an update within 3 days how can you investigate that fast without proper verification. I asked for the following detail 1. Please provide me with a copy of a signed contract 2. Pay off disclosure 3. Interest rate disclosure 4. Date opened 5. Balance history 6. Payment history 7. Date of last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was opened with XXXX XXXX XXXX XXXX  XXXX OH ) in XX/XX/XXXX. It was recently sold to LoanCare LLC ( XXXX XXXX, VA ) in XX/XX/XXXX. The loan number is XXXX. The transfer date is XX/XX/XXXX. 

A number of issues occurred during the transition to LoanCare, which resulted in the LoanCare website showing incorrect data for weeks. This data included incorrect original loan amount, interest rate, and payment amount. 

I have called LoanCare customer service no less than five times to ask them to review the data and resolve the issues. While the data on the LoanCare website is now correct, there is still a " payment block '' in place which is preventing me from paying my mortgage. The payment block also prevent LoanCare customer service from taking payments. 

It has been 46 days since the mortgage transfer, and seeing how I only have a grace period of 60 days before payments can be considered late, I am extremely concerned that LoanCare will do nothing to resolve this situation and that I will be at risk of foreclosure. 

The LoanCare customer service representatives have repeatedly assured me that they have " escalated '' my case in order to remove the payment block, but it remains in place today.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Account # XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-04-19
Company: National Credit Systems,Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a call from Collections Agent ( XXXX XXXX ) at National Credit Systems Inc. He stated he was calling in attempt to collect a debt on behalf of their Client/ Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) in the amount of {$370.00} and would I like to take care of payment today. 

I kindly informed that I decline to pay this debt as I never live at the XXXX XXXX XXXX XXXX XXXX., However, in XXXX of XXXX I did submit a rental application in which I paid a {$300.00} application fee that was later refunded back to me via my bank ( XXXX XXXX  ) on XX/XX/XXXX ( please attachments ) after submitting a dispute case on XX/XX/XXXX ( please see attachments ) through my bank XXXX XXXX XXXX ) due to miss information not properly disclosed during my application submission with them. I gave XXXX XXXX the case number ( Claim # XXXX ) for him to take back to his client so their client could provide them a copy of the dispute transcripts with my bank ( XXXX XXXX ) showing that they agreed to refund me back the {$300.00} ( in which they did ), and the case was closed on XX/XX/XXXX ( please see attachments ). 

I also requested for XXXX XXXX to kindly submit to me a debt validation ( in which he did, please see attachments ). And as you can see the statement National Credit Systems submitted to me from their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a completely {$0.00} balance. XXXX XXXX stated he would reach out to their client to get clarification and would be in touch. From that day I never heard back from him or National Credit Systems Inc. via by phone, mail or email. 

So today, I was shocked when I receive an urgent email from my credit monitoring service that a collections account is being reported from National Credit Systems for {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed for bankruptcy in XXXX. I contacted my lender, Bank of America, on my first and second mortgages. I successfully obtained a First Responders modification loan on the first mortgage on XX/XX/XXXX, and continued contacting Bank of America to resolve my second mortgage with negative results. A short time later, I received a letter dated XX/XX/XXXX, from Bank of America stating the second mortgage was in the process of a lien cancellation -no further communication from Bank of America XXXX 

Ten years later, I received a letter postmarked XX/XX/XXXX, from XXXX MI. The enclosed letter dated XX/XX/XXXX, from XXXX XXXX states they are a current holder of a promissory note with a due date of XX/XX/XXXX, for {$500.00} and a current amount due of {$66000.00}. 

I feared I was dealing with a scam. I immediately filed a dispute with XXXX XXXX  on XXXX XXXX. 

I received a postmarked envelope from XXXX XXXX  dated XX/XX/XXXX. The enclosed letter was dated XX/XX/XXXX, with a debt verification response. The letter stated XXXX XXXX XXXX XXXX XXXX North Carolina paid a claim to the original lender, Bank of America , N.A . Under the insurance policy, the lender was required to assign all rights to XXXX XXXX so that we may pursue our own loss mitigation efforts. XXXX XXXX transferred the loan to its new servicing entity, XXXX XXXX  XXXX XXXX, who is now the owner of the loan. 

This was the first communication I received in ten years. XXXX XXXX and XXXX XXXX  have the same address. 

On XX/XX/XXXX, Bank of America misled me by stating the second mortgage lien was in the process of completion. Bank of America and XXXX XXXX failed to disclose the outcome of my second mortgage. XXXX XXXX never notified me or declared they were holders of the note from Bank of America in XXXX. Their negligence and failure to disclose denied me the opportunity to reaffirm or negotiate a settlement for my second mortgage in XXXX. 

The big banks colluded with investors and insurance companies to buy seconds for XXXX  on the dollar. They were lying in wait for folks like myself to regain their financial health and equity and then attack a decade later. There has to be some accountability not to mention multiple regulatory violations for bad faith. 

As a retired XXXX XXXX XXXX, I am mortified Bank of America misled me on the outcome of my second mortgage. After surviving the Great Recession, I am now being financially ambushed by XXXX XXXX. 

I am contacting legal counsel and asking CFPB for guidance on this nightmare that should have been laid to rest a decade ago.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.

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 2022-11-26
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Several transfers were attempted to be made into my bank account with Truist from a XXXX account. These transfers were made between the XX/XX/XXXX and XX/XX/XXXX. After giving time for these transfers to clear ( about 2 weeks ) I still had not received any of these funds. I called Truist to see if there was a problem with my account, or if the money was taking longer than expected to clear. The representatives on the phone where extremely unhelpful, could not see any record of these transactions being sent and told me to contact the other bank. The other party that attempted the transfer has been in contact with their bank as well, XXXX claims they can not link my account number to my account and the money has been put on hold due to potential fraud. The account number and routing number I provided are accurate, there were no errors by either party in transcription, these are the correct numbers. XXXX also claimed there was nothing they could do and the other party was told to contact Truist. The funds have been removed from their account but not transfered to mine. Neither party was informed of this hold being put on the funds, no notice was given, and no help is being offered. As it currently stands the other party is attempting to get the money refunded so it can be sent through third party services ( XXXX XXXX XXXX. ) As a result of their ( XXXX ) inability to verify my account with Truist and the refund request these transactions are now being investigated as fraud by XXXX and a further hold has been placed on the funds. As far as I can tell I have done nothing wrong but I have been struggling financially for almost a month now due to bank error.

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 2023-02-25
Company: EQUIFAX, 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:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. 

Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute the accuracy of my credit report. The following information is what I believe to be correct : Name : XXXX XXXX XXXX ( 15 U.S. Code 1681i ) Address : XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX ( 15 U.S. Code 1681 ) Please delete any other personal identifiers that are not listed above and ensure that there is only one of each type of personal identifier on my credit report. I believe that this is required under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 

I also reserve the right to seek remedy for any violations of my rights under the FCRA. If you can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received my IRS deposit on XXXX XXXX to my cash app account. I didnt even have it in there for an hour and I proceeded to transfer the funds of {$5000.00} to XXXXXXXX XXXX at XXXXXXXX XXXX the same day to another online mobile banking app because I needed use to the funds on that paticular account at the moment. Due to my fault, I didnt realize XXXX banking app had a limit restriction in which resulted in the transfer being rejected and had to wait a week before the funds were sent back to cash app according to XXXX . After that time, I have reached out to cash app and opened a case as to the investigation of my missing funds. Cash app did state in writing on the support help option that they were able to confirm with XXXXXXXX XXXX that the funds were released. Now, it has almost been another week and cash app is still showing a XXXX balance. I have reached out several times to cash app regarding my missing funds and I was given a report number of XXXX in the investigation as to where my funds are. This was strictly a transfer of funds with no purchases made in between. Im sick to my stomach that all my hard earned tax return is now just missing somewhere in virtual space and that was all the money I had and each day has been extremely critical in surviving without any money to do so. I will enclose a copy of supporting document showing the deposit and release of my funds via internet to these institutions as follows, but I am just now left desperately seeking my funds with cash app having absolutely no answers whatsoever as to where my money is. They are just saying they are looking into it, but several business days have surpassed and still no word with no supervisor or governing ranked person or establishment to speak to. Im afraid if I just keep taking their excuse less responses day after day without resolution, my situation will surely turn detrimental. Im reaching out for help now to assist me in getting my funds to me before its too late. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation