BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Rapid Mortgage Funding Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rapid Mortgage Funding ( RMF ) located at XXXX XXXX XXXX # XXXX XXXX XXXX MI XXXX, made promises and guarantees, to which they have not followed through with. The agent I spoke with was XXXX, who pitched a streamline loan product that started at 6.37 % and would streamline to 3 % 6 months after my first payment. RMF is not honoring this product as promised and guaranteed. I am sure phone records can be pulled, along with a letter that I rescinded the initial agreement. I then let them talk me back into the product based on the guarantee that I would be at 3 % in 6 months. I have complied with the stipulations that I was told I needed to adhere to, which was to simply maintain my payments on time. All these claims were made verbally. I do have some emails that I send in relationship to this company. 
According to internet research, this company has similar complaints filed for the same activity. This company is unethical, dishonest, and should be shut down. They have built themselves by scamming XXXX XXXX, such as myself and, according to a little digging, it appears as though they have pitched this same product, or have made similar promises to other XXXX, who have also fell victim to their scam.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: LA
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:
I have been trying to dispute this inconsistent off my Equifax report I have contacted these agency on several attempts and have been unsuccessful in results. I have contacted Equifax on this matter on XX/XX/23 and investigation was completed XX/XX/23. I launched a re-investigation XX/XX/23 and it was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : THESE ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE SEVEN YEARS FROM THE REPORTED DATE OF THE INQUIRY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: PA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2017-07-16
Company: Northstar Location Services, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with  XXXX . I discovered the theft in  XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (  XXXX  ). I immediately contacted   XXXX   XXXX   XXXX   and  XXXX  and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the   XXXX   credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called  XXXX  to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the  XXXX  card. The thief transfer funds from   XXXX   twice. When I spoke to  XXXX , they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX   completed their investigation and found the account was a case of Identity theft and released me of the debt. However,  XXXX  declined my case and continued to harass me and my family. I submitted another letter to  XXXX  along with a copy of the release letter from   XXXX   XXXX   XXXX  .  XXXX  did not response to my letter, but submitted my case/debt to Northstar Location Service, LCC ( a debt collector ). Now I am getting harassed by Northstar. I have discussed the issues with   XXXX    multiple times over the phone, submitted multiple reports, and bank documents.   XXXX   continues to seek funds for an account I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Northwood Asset Management Group
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email from NAM Group on XX/XX/XXXX regarding a debt to XXXX XXXX. I typed up a letter for verification of the original debt ( attached is a copy of the letter ). I mailed it via USPS on XX/XX/XXXX ( XX/XX/XXXX there was no mail due to the holiday ). I did not receive anything back. Collection calls ceased and then resumed this week. Ms. XXXX at telephone number XXXX left a voicemail again this morning. I called back and informed her that I sent the verification of the debt letter and did not receive anything back, so I was not comfortable speaking further on arrangements until I received it. She placed me on hold for about three minutes and during that time I received an email from NAM again. It was the same letter I had received back in XXXX, just outlining NAM 's intentions, the creditor, and the amount, but was still not a verification of the original debt in any way. 

Ms. XXXX came back on the phone and stated she sent me the verification letter. I explained the above, that it was the same letter and not a verification of the original debt. Ms. XXXX became very upset and said that she was calling to offer me payment arrangements and that " You took out a loan, you know what you owe, we don't need to prove it ''. I explained I have rights to verify the debt, and did so in writing by requesting several documents to do so. She cut me off and said she would not/could provide me verification of the debt and then said " There is nothing I can do for you then. I am closing your account and writing that you are a refusal to pay. '' She then hung up on me before I could do anything further. 

Not only was what she did falsifying records on my account ( as I never stated I was refusing to pay, nor did I ask her to close my account ), she also was refusing to provide what is mandated legally under CFPB ( a verification of debt ). She also made threats by stating there was nothing further to be done, that my account would be closed, and that I would have a demarcation of " refusal to pay '', which I came to find out was not true after speaking with another agent. This was an array of violations by refusing to provide verification of debt, making false statements, threatening negative action on my account, making threats that are not true. 

I have attached the original email from XX/XX/XXXX, the email Ms. XXXX sent me that she stated was verification of debt, the copy of my letter sent XX/XX/XXXX, and the email sent to NAM 's general email box today after my interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
The Car which was Finance was already sold due to a reposesson the original amount was not {$27000.00}. the amount that is showing on my credit report is incorrect. It is showing an incorrect amount for the full finance amount and is showing derogatory. The amount that is showing the outstanding balance however I was never made aware of what the car was sold for so that outstanding balance was never authenticated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Bright Capital Inc
State: TN
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:
I've been paying for 5 months and I havent seen bright capital inc or bright money anywhere on my credit report so I believe they have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: KS
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:
This is about the inaccuracies that were inequitably furnished onto my Consumer Report. I came to know about these inaccuracies on XX/XX/2023. Due to these inaccuracies, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against embarrassed and refused several transactions.I did not give consent to Experian, XXXX, nor XXXX. Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies have been partial and have not shown any respect to my right to privacy.

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 2023-07-12
Company: EQUIFAX, INC.
State: OH
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have made several attempts to get the information corrected. I was on income driven repayment and forbearance with my loans but they are still reporting delinquent.

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 2017-07-16
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 contacted transunion multiple times about inquiries that are on my report that are fraudulent and I even sent in police report from my purse being stolen and an ftc report and still they will not remove them and all other credit bureaus has remove the inquiries from their database

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 2022-11-05
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Checks valued at a total of around {$15000.00} have been stolen from my mail and deposited at the Navy Federal Credit Union ATMs at XXXX XXXX XXXX in XXXX Maryland on XX/XX/2022. The endorsements are obviously false ( the thief even used his own name and made up a fake name for the company owner ). Navy Federal has refused to reimburse me, even though they gave my money to the thief, and have told me it was clearly a fraudulent deposit, and I gave them a valid police report. I have gone to the branch and spoken with a manager, and called the fraud hotline, and all have refused to take responsibility for reimbursement, even after acknowledging the fraud. They told me I would need to have the companies which originally issued the checks file a claim. One of the companies ( XXXX XXXX XXXX XXXX has done so, but the company which issued the XXXX check ( XXXX ) is unresponsive. 


The worst part of the situation? The thief has done this to multiple businesses, and always deposits checks at this particular Navy Federal ATM ( I was referred to other victims by the detective working the case ). The total amount stolen from the other business is over $ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} has violated my rights. 


15.U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-06-22
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My PayPal account was hacked. I contacted PayPal immediately. Their online dispute tool said no fraud occurred. I had to call them to dispute. I filed a fraud dispute over the phone. They said I should hear something in 21 days. It has been over 21 days and I have not been updated by PayPal nor have they recovered my money even though I called them within minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2018-08-17
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called the company to let them know I do not owe them the debt the person I was speaking to get hostile with me told me my credit would be damaged my work check will be taking in my federal government taxes would be taking to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
LCI is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2022-11-04
Company: EQUIFAX, INC.
State: SC
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-12-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I tried to link Chase to my XXXX account. There were two small balance deposits from Chase into XXXX, and I verified those with Chase. 

Then I scheduled a {$1600.00} transfer for an approximate immediate time. I can not log in to Chase to see when exactly the transfer was scheduled. 

The transfer has failed, and I have not been notified. I would not have known had I not tried to log into my Chase account on XX/XX/XXXX and found my account locked. 

Calling the Chase fraud department has been useless ; they are unable to explain why my account was locked and why no steps were taken to resolve this. 

They claim they notified me, but won't say how that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
The payment history on this now paid off and closed account has many inaccuracies. For one it never should have become a charge off. A Capital One representative told me in XX/XX/XXXX it would not become a charge off, it did. Two, there were months that I made payments that Capital One has listed as missed payments. I provided a XXXX representative with a bank statement showing that I made payments. And lastly, after all these issues, a representative from Capital One told me in early XXXX that if I paid off the entire balance his manager would allow him to remove the account from the credit reporting agencies, as they could not accurately verify my concerns over the payment history. I have been reaching out to everyone at Capital One to finally get this resolved. They continue to ignore my requests. I am beyond frustrated that this account is still giving me trouble after they acknowledged that it had issues. I want this account and all their inaccurate information removed from the credit bureaus.

Company response to consumer: Closed with explanation