BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want this inaccurate account removed from my consumer report due to the reporting of this account is inaccurate and a violation to my right to privacy which is stated in 15 USC 1681 section 602a ( 4 ). This debt collector is also using my personal identifying information to coerce me into paying an alleged debt which is a violation of 15 USC 1692d ( 4 ) and is defined by the FTC as debt parking. My rights have been violated and this account needs to be removed right away. 




Transworld Systems Inc XXXX XXXX XXXX | XXXX XXXX | XXXXXXXX XXXX PA XXXX Account Number : XXXX RE : Debt Validation Request I am writing to you in response to a collection notice I received from you on ( XX/XX/2023 Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in ( state you currently reside ) along with your license numbers and Registered Agent or Agent of Service. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, 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:
PLEASE BE AWARE THAT THE DISPUTED ACCOUNT REFERENCED IN THE ATTACHMENT ARE CLOSED ACCOUNTS WHICH HAS BEEN PAID FOR IN FULL DUE TO A SETTLEMENT. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SUPPORTING THAT CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: KY
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 items 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 items : 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 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 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 2023-09-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/ I received a letter by mail ( dated XX/XX/23 ) saying my account was being closed and a physical check would be mailed to me. Letter did not specify reason for closure. I contacted customer support and they did not know the reason for closing the account but referred to the letter. I asked if they can electronically send my funds to me instead of mailing a check. They have not confirmed if this is possible and are saying I will receive a check within 10 days. The account had a sizeable amount and a 10 day delay equates to hundreds of dollars of lost interest where they have the funds but will not be paying me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CAVALRY INVESTMENTS, LLC
State: MD
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: Investigation took more than 30 days

Complaint:
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX CAVALRY PORTFOLIO SERV ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! As you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court, for {$400000.00} from XXXX and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Cavalry Portfolio Services LLC for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have four late payments on my credit report for my Capital One credit card from 2018 ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to request they be removed since I was living out of the country and I informed them of that, but they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Shellpoint Partners, LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I was notified by my previous mortgage service provider ( XXXX ) that effective XX/XX/2023 my new service provider will be NewRez LLC d/b/a Shellpoint Mortgage Servicing. XXXX XXXX loan number was XXXX and the monthly payment of {$620.00}. The XXXX and XXXX mortgage payments were made successfully by phone. However, I am unable to complete the XXXX mortgage payments because the contact information provided as part of the previous and new service provider, in addition to the customer service website is a non working number ( XXXX ). In addition, I have made multiple unsuccessful attempts using other contact numbers ( XXXX / XXXX / XXXX ). I need your assistance in order to avoid any late payments fee and most important, a delay in my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I had a credit card account opened in my name and {$8800.00} in charges spent in my name in under a month. Another application was attempted to open and capital one notified me and that's how I become aware of the fraudulent charges. The account was opened XX/XX/XXXX. I received emails from capital one, thought they were a phishing scheme, as the hackers changed my email and phone number upon their success. I canceled the fraudulent application XX/XX/20 and closed the fraudulent account with the balance under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Personal information incorrect

Complaint:
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 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 2023-09-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Well I went to my home country on XX/XX/ I came back XX/XX/2023 I got a lot mails and phone calls about paying my past due of credit cards from XXXX ( {$130000.00} ) and XXXX Credit Card ( {$38000.00} ) the debt collection kept calling me about Payement I flies a dispute on XXXX  XXXX which I got a case number XXXX account ending XXXX from XXXX  they sent me new card ending XXXX do I said to close it then with Comenity XXXX credit card I called to dispute to close the account which I never apply for those cards never receive XXXX credit card but the letter had account ending XXXX my whole points on those major credit bureaus drop drastically down that hurt me so bad then Im not paying the money Im not using I received 2 letters from XXXX about fraud alert not emails no phone call or text cause i was in XXXX vacation for almost 3 months cant call or text but I sent emails to those credits card companies but no response just sending bills emails me payement due missing payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
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:
I have hard inquiries that was not made by me or authorized by myself could be related as fraud Transunion XXXX XXXX XXXX XXXX XXXX XX/XX/2020 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 explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
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:
In XX/XX/2017 I file XXXX XXXX bankruptcy it was XXXX in XX/XX/2017 but XXXX XXXX XXXX keeps reporting negative even though there is no debt owe anymore yet its being reported in my credit report as 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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2022-04-19
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I put the wrong account number for my first 2 stimulus payments which was 2 years ago. The IRS keeps saying the XXXX has it and has sent me paperwork saying as much stating it was deposited {$600.00} on XX/XX/2020 and {$1200.00} on XX/XX/2020 and they say they dont that the irs has it. I dont feel like the XXXX is trying hard enough to find my money and get it to where it needs to go. Ive been through the refund trace process with the irs and everything and still no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Backstory : I have purchased my home in XXXX of 2021 in XXXX FL and I have a mortgage on the property. I set the mortgage payments to autopay and I've never had a problem with it. All the payments came out as they were supposed to until XXXX when without me realizing it the autopayment suddenly stopped. I only realized this in XXXX when I had already missed the XXXX, XXXX, and XXXX payments. ( I live outside of the country and I did not receive any correspondence in my primary residence in XXXX. ) What Happened : I finally was able to piece what happened to my mortgage. XXXX who was my mortgage holder sold the mortgage to SPS who is now the mortgage servicing company. SPS for some reason did not bring the autopayment over and I do not recall any letter disclosing this fact. So SPS cancelled my autopayment. APR FROM 4 % to 18 % This past week when I finally realized what was going on I called SPS and they said that the amount to bring the loan to normal was XXXX, when I asked why if the normal mortgage payment is only XXXX per month, they informed me that since I was in default they could change the mortgage APR to 18 %. I went as far as asking if there is no protection period for when a mortgage is sold and they said it was only 90 days ( under my calculation I would be under this protection ) but they denied me. What I did : I payed the over XXXX XXXX dollars they requested to bring the loan back to normal but I will not have to fight to get back what I believe to be an unfair practice of raising my APR 4-5 times what I have under contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following companies have hard inquiry pulls on all XXXX of my credit reports, the hard inquiries were not authorized. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX-Inquiry Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX  XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/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 2022-04-22
Company: EQUITY LOANS LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 - I XXXX XXXX sold my home in a Short sale. 
Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I followed all process as directed to me by my Loan servicer Equity Prime Mortgage and my lawyer Equity Prime Mortgage : XXXX account # XXXX This sale was also recorded by U.S Department of Housing and Urban Development -HUD FHA Case # XXXX In XXXX of 2022 I received a new letter from XXXX XXXX XXXXXXXX XXXX ( A company I've never conducted business with ) informing me that Equity Prime Mortgage transferred a loan to them - I contacted XXXX to dispute that debt and explained the property was sold in an approved FHA short sale and i have walked away from the property - They are currently investigating but have sent me a letter : Our records indicate the current investor or note holder of the loan is XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX is the current servicer of this loan on behalf of the investor or trustee The investor or holder may be contacted through XXXX at XXXX XXXX XXXX, XXXX XXXX IN XXXX, Fax XXXX or by telephone number XXXX XXXX  Account # XXXX The Title company involved in the closing of the Short Sale was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX phone | XXXX fax | XXXX  Underwritten By : XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX XXXX

Company response to consumer: Closed with explanation