BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
Problem am having with Bank of America is they are threatening me and sending threatening letters to my address. I do not owe this company and nor Have I done any business with them. Nor have I signed any documents with them. They need to stop Harassing me. This company has No proof or documents of me signing anything.

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 2023-06-30
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan with Titlemax, and at the time I applied for the loan they had explained that the interest rate would be 18.5 % and if i paid off the loan with a year the interest rate would remain the same, but it was all explained in the paper work that they were suppose to email to me that had been done on the computer at the office. 
None of this was true, I have never received the paper work from them and the only way I found out that the interest rate was completely different was when I had been late and had to renew the contract after being harassed on a daily basis day and night with threats constantly. I saw that the interest rate was well over what the person had said, over 100 % more. 
I have called them several times to discuss the account and all I get is a run a round, about the contract, the interest rate, and the initial contract and paperwork. I feel this was a deliberate case of bate and switch, an it caused me to dig deeper into there practices and I found that they have been fined XXXX XXXX dollars, XXXX to military families and XXXX to consumers. 
They deliberately lie to consumers and take advantage of the consumers, they need to be shut down for good or make sure that the are using the fair lending guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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:
On XX/XX/23 I wrote TransUnion to investigate and remove hard inquiries on my credit report I do not recognize. I never gave the companies ANY type of permission to check my credit score. There was absolutely no authorization for this on my end and that's why I asked TransUnion to investigate this issue. I never heard back from them. I ask that they please remove those hard inquiries appearing on my credit report. I did contact the companies and they said I needed to contact the credit bureaus so that is what I did.

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 2022-04-20
Company: EQUIFAX, INC.
State: AZ
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 Account # XXXX This account 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 2023-06-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, Jefferson Capital Systems LLC placed unverified and inaccurate information on my credit file. This company failed to validate this debt. Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Amount : XXXX Related Account number : XXXX I have requested that Jefferson Capital Systems LLC verify this debt and send me all contracts and documents between myself and them bearing my signature. This is not my debt. I don't have or have had any business with this company in the past or currently. This has caused a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put the item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit file with all XXXX major credit reporting agencies not to resurface on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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 XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # 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 2023-05-24
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were approved & all funds dispersed to Mr Cooper from NY State Homeowners Assistance fund on our mortgage # XXXX in XXXX of XXXX. We received proof from NYS that Mr Cooper was paid 3 paymentsthe first to bring our mortagage current, the second for 3 months of payments and the 3rd for another 3 months of payments ( 6 full months of advance payments ) This brought us to XX/XX/XXXX with a small credit to be applied upon us resuming our monthly payments. Instead, our funds from NYS were incorrectly applied by Mr Cooper ( toward principle ) and then reversed due to that misappropriation by Mr Cooper. Two payments were then never reapplied to our balance so we were being told that we had past due mortgage payments in excess of {$5000.00}. I have spent months on the phone talking to countless people to resolve this issue without success. Essentially Mr Cooper stole our NYS Homeowners Assistance Fund money and are now sending us letters saying we are in risk of foreclosure and we are over 175 days past due. I have sent countless documents of proof and even a line by line breakdown of how payments should have been applied and the line by line balance. After months of fighting with Mr Cooper to resolve this issue we still have not had the payments applied to our account and our risk of foreclosure letter has a must resolve date of XX/XX/XXXX. We are not in default on our loan and have made payments for the months of XXXX and XX/XX/XXXX but our HAF money has still not be applied. Months into this, they are now finally confirming from their end that the payments were indeed received from XXXX  our documents show. However, these funds from XXXX XXXX  have still not been applied to our account. My Cooper has not only stolen our NYS funds.they are also threatening foreclosure on our forever home we have lived in for almost 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To whom it may concern, Over the past few months since the account was opened in XX/XX/XXXX. Regions has not only charged me over {$180.00} in overdraft fees caused by disputes they refuse to actually investigate. The bank also refuses to refund the fraud that occurred in XX/XX/XXXX and XX/XX/2018. I noticed these fraudulent charges on that were multiple duplicates for XXXX XXXX, A XXXX XXXX Bank ATM withdraw for {$400.00} and several other charges including one for XXXX. These charges all occurred after I lost my card, and then it was stolen. I locked it promptly. Called up their XXXX number, was told by the customer service agent, and the manager that they cant assist over the phone. Even though I explained in detail. After this I got online sent a secure message which took them two weeks to respond. I signed an affidavit. They never even investigated. Never placed temporary credits. Regions then proceeds to tell me that I authorized all of these. When I called to ask for proof because I know I did not, they said send them a police report or there is nothing they can do. This is crazy. XXXX XXXX would have gotten on top of the fraud and refunded me. Regions didnt even attempt to investigate and instead just assumes I should be liable. This is very upsetting and I have tried contacting them numerous times without resolution. 

Second issue is I have noticed this month a couple of charges keep appearing twice. I have notified them of this as well to submit a dispute. They also refuse to investigate 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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 theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: Aspen Yo LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my current residence in XXXX. The servicer at that time was XXXX. The service has changed several times since then with the last one as XXXX. In XXXX or XXXX of XXXX, XXXX sent a letter saying I would have a new servicing agency. This was supposed to occur in XX/XX/XXXX. I did not hear anything from the new company and when XXXX came I went ahead and made my mortgage payment to one of the companies which great hesitation. The previous companies would send a letter with contact information and instructions before the new servicing date, but this company did not. With XXXX my loan was modified from over {$1800.00} a month to {$1300.00} per month which worked out perfectly. I made an extra payment in XXXX of {$1500.00} and made all payments up until XX/XX/XXXX. In XXXX of XXXX, I received my first statement from a company by the name of Gregory  Funding. Prior to that, I received a generic letter stating that they were behind in sending out the statements. When I tried to call the company I am always put in a cue of 100 to 125 callers on the line. I then noticed that my monthly payments were increased without prior notice from {$1.00}, XXXX to {$1600.00}. In addition, the company started asking for payments over {$3000.00} without an explanation. I wrote the company after not being able to reach anyone by telephone, which was sent to the XXXX XXXX address on XX/XX/XXXX with no response and a second letter sent certified return receipt on XX/XX/XXXX. This company has failed to communicate with me even with attempts made to rectify this issue. They appear to want to force me into foreclosure and ruin my credit, yet they did not reach out to me prior to XXXX to introduce themselves and provide contact information. I want my loan put back at the modification level that it was and my credit cleared of all late charges. My balance must be updated and current. However, I first would like to know if this is a legitimate company with the right to service this loan. There are some concerns because their communication is poor, which seems very odd for a legitimate business. It seems very strange that a servicer would not work with the customer to fix an issue that they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
From XX/XX/XXXXXXXX  to XX/XX/XXXX XXXX XXXX It is reported that I have 4 hard inquiries due to applying for a Capital One bank USA and I have no knowledge on that. I tried to dispute these inquiries due to fraud but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the accuracy of the information Medical Data Systems has reported on my credit file. Upon reviewing my credit report, I discovered that there are two accounts listed that I have no knowledge of. These accounts are significantly damaging my creditworthiness and have caused me considerable mental and emotional stress. I have never conducted any business with your company, and their inclusion on my credit report is not only erroneous but also in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent a legal letter to Medical Data Systems, requesting legal debt validation as per my rights under the FCRA. In my letter, I requested specific information, including an explanation of the alleged account balances, detailed calculations of these balances, complete payment histories on these accounts, documentation demonstrating my agreement to pay these debts, and the agreements granting your company the authority to collect on these debts. Additionally, I requested a copy of your state license, including the license number. 

To my disappointment, Medical Data Systems has failed to respond to my request for debt validation within the stipulated time frame, which constitutes a clear violation of the FCRA. This lack of response is not only negligent but also illegal under federal law. It is imperative that your company investigates these accounts promptly and ensures that my credit report accurately reflects my credit history. 

The false reporting of these accounts has caused me significant mental and emotional stress. I have been denied credit and recently faced rejection for a home loan, leading to further distress and financial setbacks. I have taken appropriate steps by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

I demand that Medical Data Systems take immediate action to rectify this situation. I expect your company to comply with the FCRA by promptly conducting a thorough investigation into these matters and correcting the inaccurate information being reported to potential creditors. Additionally, I request that you provide me with a written explanation of the steps you have taken to rectify this situation and ensure that these false accounts are removed from my credit report without delay. 

Failure to address this matter within 30 days of receiving this letter will leave me with no choice but to explore legal avenues available to me under the FCRA. I hope it does not come to that, and we can resolve this matter amicably and promptly. 

Please respond in writing to the address provided above to confirm that you have received this dispute letter and are initiating the necessary investigation into these matters. Your immediate attention to this issue is expected and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 above inquiries do not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of these Inquiries listed IMMEDIATELY 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been getting repeated calls from lotane and associates P.A XXXX saying i owe a money. The that was owe was settle though a judge. In which i have invoice showing that i have payed them. I keep getting phone calls say owe money. Which was settled on XX/XX/2023. I have called them multiple time say it is harassment do to me already settling the money that was owe in he amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
It wont let me cancel my account because unless I pay off my loan with a $ XXXX monthly membership fee! I I liked my bank account but they still take money from my 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 non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation