BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received at least 8 letters in the mail during the last couple of weeks. These letters are from local law firms stating that I have been sued by a company called Velocity Investments. I have no idea who this company is, what debt they are referring to, what amount, etc. Yet, I am getting these threatening letters in the mail almost on a daily basis. I have reached out to each of the law firms and asked them to remove me from the mailing list. I am the victim of identity theft so I have been down this road before. Debt collectors with harassing calls, texts, and letters for a debt that is not even mine. I even had one company show up at my door to say I got served. I've had companies threatening to call my job. This Velocity investment seems to be another in a long line of scam companies.

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 2023-10-10
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. XXXX XXXX XXXX  ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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 2023-07-28
Company: EQUIFAX, 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Dont recongnize this inquiary from XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXXXXXX ( XX/XX/22 ) XXXX XXXX XXXX XXXX XXXX  XX/XX/22 & XX/XX/22 ) XXXX ( XX/XX/22 & XX/XX/22 ) XXXX  XXXX ( XX/XX/22 ) XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Account information incorrect

Complaint:
On numerous occasion I have submitted disputes asking XXXX to correct the incorrect information they have listed on my credit report and to no avail they have refused to correct the information or investigate correctly!! I have contacted the creditor and they have sent me documentation that the account XXXX for the amount of {$72.00} has been paid in full! I have called I have sent documentation and they still will not correct the information Please assist in XXXX correcting this information as it is tanking my score lower and lower causing my financial stress!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Receivables Performance Management called my cell phone from XXXX. I returned the call and RPM immediately began asking questions about where I lived, last 4 of social security, mailing address. I asked what the call was about and requested verification of any debt owed, to which they responded they could not give out that information. -- -- - To be clear, I do not owe any debt, and the address they had for me was for a rental property I own.

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 2020-11-07
Company: I.C. System, 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: Account status incorrect

Complaint:
Dear Sir or Madam, I have contacted the following companies from 2 different credit bureaus and they can not even find information on items that I have on my credit report. I would liked them removed as soon as possible. 

I have sent the dispute letters to XXXX  and XXXX  to have them removed and it has been over the standard time of 30 days with no reply. 

The items are ... ... 

1. XXXX XXXX XXXX - Amount of {$2600.00} 2. XXXX XXXX XXXX - Amount of {$1500.00} 3. I.C. Systems, INC - Amount of {$610.00}

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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 2021-04-19
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from Medical Data Systems Inc I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Medical Data Systems Inc for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself.

Provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: CITIBANK, N.A.
State: CA
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:
I have disputed the accuracy of an account balance with BESTBUY/CITIBANK. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on XXXX, XXXX  and XXXX  reports.

Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments.

Furthermore the creditor reports " 29 '' CHARGE-OFFS on XXXX XXXX XXXX. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account immediately.

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 2022-01-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, XXXX XXXX, XXXX, and Experian. The information also shows up on my profile in two of the credit monitoring services, XXXX XXXX and 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 2023-07-26
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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have four private student loans in total that were handled by XXXX and owned by XXXX. Two of the four loans have been given to Navient from XXXX. The XXXX Account Number for my loans is Account # XXXX. The Navient Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that XXXX owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from XXXX so I can have the binding documents that my loan is in fact still intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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:
EXPERIAN IS PURPOSELY STATING THAT I HAVENT SUBMITTED MY IDENTIFICATION DOCUMENTS WHEN I HAVE NEARLY XXXX TIMES IN THE LAST XXXX MONTHS. IVE SENT IN A NOTARIZED AFFIDAVIT 3 TIMES AND ALSO UPLOADED IT TO EXPERIAN.COM/UPLOAD EXPERIAN NEEDS TO BE INVESTIGATED FOR FRAUDULENTLY STATING THEY HAVENT RECEIVED PEOPLES DOCUMENTS JUST SO THEY CAN DENY YOUR INVESTIGATION / REQUEST TO BLOCK. 

XXXX SEEKING AN ATTORNEY HOWEVER THIS MUST BE LOOKED INTO, THEY ARE VIOLATING THE LAW. THAY KEEP SAYING THEY HAVENT RECEIVED ANY DOCUMENTS PROVING MY IDENTITY WHEN I HAVE EVEN SUBMITTED COMPLAINTS HERE THROUGH THE CFPB MULTIPLE TIMES. 

THEY ARE DOING THIS TO DELAY AND NOT INVESTIGATE. 

THEY ARE REPORTING ACCOUNTS THAT SHOULD BE BLOCKED DUE TO IDENTIY THEFT. XXXX AND XXXX HAVE ALREADY BLOCKED THE ACCOUNTS HOWEVER EXPERIAN CONTINUES TO DENY THAT THEY HAVE RECEIVED THIS INFORMATION FROM ME. 

I AM SUBMITTING ALL DOCUMENTS ATTACHED THAT I HAVE SENT EXPERIAN SEVERAL TIMES. THIS IS GETTING REDUNDENT AND ABSOLUTELY UNFAIR THEY ARE DOING THIS TO PEOPLE. 

IM SEEKING {$1000.00} PER VIOLATION FOR EACH ACCOUNT THEY FAIL TO BLOCK. TOTAL ACCOUNTS XXXX = {$5000.00} IF THIS GOES UNRESOLVED. 

THE LAW STATES YOU MUST BLOCK AN ACCOUNT WHEN BEING NOTIFIED OF IDENTITY THEFT. I HAVE SUBMITTED ALL DOCUMENTS REURED BY THE FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello. I live in an " XXXX '' rated XXXX area as designated by XXXX. Therefore I require Flood Insurance. My house has a replacement value of {$160000.00} and I owe less than {$130000.00} on the house. My mortgage with NationalStar Mortgage was satisfied with my policy of {$180000.00} as this was more than both the amount I owed the bank and also was more than my replacement value. Then more than two years into the loan I received a letter saying I was not in compliance. I called NS and shared the requirements as stated on their letter to prove that I was in compliance. The issue went away for about seven months. Then I received a letter in which they changed the requirements whereby I had to meet one of two criteria 1 ) match the amount of my homeowners policy or 2 ) carry {$250000.00} ( the max under XXXX rules ). I disagreed by way of numerous calls. NationStar then took out an expensive supplemental policy for me to bridge what they say is a gap. This has created a real hardship as it has pushed our monthly to a place where we are exhausting our savings. I want to know if this is legal or simply unethical. True that I can refinance with someone else, but not without expense and an expense that I should not be subjected to if not for the predatory ways of this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
FACTUAL DATA made an inquiry on my XXXX and XXXX credit report without my consent. I have no clue who FACTUAL DATA is, what they do, why they would want my credit report. XXXX and XXXX didnt care they just gave the information and dropped my score XXXX points with XXXX XXXX Im attempting to refinance my house and if this bogus inquiry into my credit report causes the loan to fall through or the interest rate to increase Ill hold FACTUAL DATA, XXXX AND XXXX RESPONSIBLE. I will even ask my attorney of my options in dealing with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: BSI Financial Holdings, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closing date XX/XX/2020 Mgt. payment including PMI {$1100.00} {$1000.00} P & I {$100.00} PMI {$180.00} Escrow BSI has been sending {$300.00} to the PMI company monthly instead of the {$100.00} on the closing documents. I have called repeatedly and they state 'this never happens we will look into it ''. BSI does not look into it and now wants me to pay an additional {$1500.00} due to their error of sending 3X 's as much to the PMI company as they were supposed and the analysis showing I am deeply negative. This mortgage is not even due for for an analysis as it is only 6 months old and paid according to the terms of the closing documents. 

I want my money back in my account as this has been going on since XX/XX/2020 and they refuse to rectify this situation and get my money back from the PMI company. I want interest paid back to me and my credit repaired as they have increased my mortgage payment and created an error due to their negligence. 

All supporting documentation is attached should you need further information I will be happy to supply it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Account information incorrect

Complaint:
I spoke with XXXX on XX/XX/XXXX about the credit bureau reporting high credit utilization on XXXX, XXXX and Transmission and was told the FCRA has contacted theses inaccurately reporting on my credit file. I want this escalated to get this from wrongfully reporting high utilization XXXX score. This is financially effecting me from moving and getting a new place to live. I don't know what else to do but file a legal action with federal court or the XXXX  against all parties.

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 2021-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A FRAUD charge was made to my credit card in XXXX of XXXX for {$190.00} and was not realized until XX/XX/XXXX when viewing itemized charges online for year end accounting purposes. 

I have spent hours trying to resolve this with BOA via phone calls that generated the letters received on : XX/XX/XXXX XXXX XXXX ( XXXX ) for XX/XX/XXXX And the last was to be from the Escalation Department that never returned my call on XX/XX/XXXX. 

I am told the chip was used. Bank of America is unable to provide any sort of receipt or info on the charge. ( Would this be FRAUD? ) The last supervisor I spoke to, XXXX in Tennessee ID # XXXX said it was possible to make an unauthorized charge with a chip and she believed it would be resolved.

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