BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-31
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have attempted for over 1 year to get my escrow account removed since First Continental Mortgage 100 % completely messed up my escrow account since they did not properly do an assessment in early XXXX. I am done with this and this complaint BETTER BE HEARD AND SOMETHING BETTER BE DONE ABOUT IT THIS TIME FROM THE CFPB!!! This is my second complaint and NOTHING was done the first time. I was told by First Continental Mortgage that I could have my escrow account removed after XXXX XXXX and after SEVERAL attempts they still have not removed it. I have been forced to make late payments of {$120.00} for the last 3 months now and this needs to be credited back and the escrow accounts needs to removed or the CFPB and First Continental Mortgage are going to be responsible for a Veteran losing his home. LAST CHANCE, GET THIS ESCROW ACCOUNT REMOVED!!! Also take not I made a mortgage payment on XX/XX/XXXX and the automated system did not account for the late payment and I am unable to make any type of payment online and or on the phone again so I better NOT get a 30 day late payment due to the late payment not being apart of the automated system when they took my payment. This mortgage servicing company is XXXX! and if this better be resolved IMMEDIATELY!! REOMVE THE XXXX ESCROW ACCOUNT FOR THE 100TH TIME!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has a stated policy on rate shopping-copy enclosed. Multiple mortgage inquiries do NOT impact your score. I have 9 inquires. 5 of which are rate shopping inquiries over a short period. Should count as one.

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 2022-08-12
Company: ADP Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notification from my employer on XX/XX/XXXX advising of garnishment based on a notification from Automatic Data Processing ( ADP ) Inc. ordered by one of the courts in Virginia. I relocated from the state in XXXX of that year and was unaware of this. This was a civil suit auto loan company where I returned the used vehicle in XXXX after spending more than approximately {$10000.00} in multiple repairs. It was a lemon, and it was not sustainable for my family and me to constantly pay someone to repair the vehicle. I needed something dependable and cost-effective. The garnishment comprised 30 % of my income. I am the sole provider and was also at that time. I was unable to pay my bills with limited income and was at risk of not paying my rent, utilities, etc. Additionally, I tried contacting the company numbers provided in the letter. I was advised by ADP to contact the law firm. I called and left a couple of messages with the law firm but did not receive any returned phone calls. The garnishment continued until XX/XX/XXXX. 

Unfortunately, I received another court document by mail in late XXXX for XX/XX/XXXX, followed by an email the next week. The garnishment letter noted an effective date of XX/XX/XXXX with 25 % garnishment of my income for the same auto loan company for approximately an additional $ XXXX. The total amount to be awarded is nearly {$40000.00}, which is significantly greater than was owed in XXXX. This second garnishment puts me at risk of not being able to pay for housing, utilities, prescriptions, etc. I never received any communication from the auto loan before all of this. I have been living in another state for one year. I need help and have attached documents per instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Some how my name and ssn number been compromised and it has affected my credit file and now reporting unknown and unauthorized accounts inwhich I'm demanding be removed immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX {$100.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}

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 2023-09-04
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: Account information incorrect

Complaint:
I paid this account. It was a chargoff, but I paid and settled the account. XXXX XXXX has yet to reflect the {$0.00} balance on my account so my credit report still shows I owe. This obviously hurts my credit and doesn't truly reflect my balances. They may have violated the Fair Credit Reporting act because they have not reporting information accurately by not updating my balance to {$0.00}. I do not owe them anymore. They should fix this immediately. They were quick to charge off my account when I went through financial problems. I paid them. For them to continue to punish me by not reporting accurate information is terrible.

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 2023-03-13
Company: Experian Information Solutions 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: 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 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 2019-10-08
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with Credit Collection Service collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Upgrade, Inc.
State: NY
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:
My Upgrade credit was used fraudulently for make purchases in the State of Florida. I last used this card to charge a XXXX rental car on XX/XX/2023. While in my state in Florida I found out that my credit card was used in 4 other different places. This happened because I received a text from upgrade to confirm a purchase of {$450.00}, which i denied. I then froze the card and call the upgrade, INC on the next business day to inform them that this charges were fraudulently. The whole fraudulent amount if charges equals to {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was on a payment plan, paying $ XXXX/month. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: SYNCHRONY FINANCIAL
State: LA
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:
On XX/XX/2019, my XXXX application alerted me to a new inquiry from Synchrony Bank/Pay Pal. I immediately called Synchrony Bank and spoke to the fraud department and notified them that I did not apply for a credit card. The fraud department said that they will investigate and I should receive something in the mail within 30-60 days. I have never received a credit card statement at my address because this is not my account. Today I checked my credit report and noticed the account is still listed on my three credit reports and now the owner of the fraudulent account now has a balance on the card of {$49.00}. I want this account closed immediately and deleted from all three credit bureaus ( XXXX, XXXX, and XXXX  ). I also want the inquires deleted from all three credit bureaus. I am also filing a complaint with the Federal Trade Commission and will be filing suit in my local municipality against Synchrony Bank.

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 2022-03-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have mortgage insurance on my mortgage account. I have enough or even more than 20 % equity in my property however the current lender refuses to remove mortgage insurance of my mortgage account without making me to refinance. 
They called me to ask me to do refinance cash out since I have more than 100K equity but when I asked to remove mortgage insurance they said i dont have enough equity. 
Ive been calling and trying to reach out numerous times but they keep transfer me around and cant give information. 
They dont even give me an option to actually do an appraisal to check on the value of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It

May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request th
e method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCR

A, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- COLLECTION ACCOUNT -- 1. 12 XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not 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 explanation
Consumer complaint received 2023-10-13
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:
I am writing to request the immediate removal of my bankruptcy from my consumer report. After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on XX/XX/, is still being reported. 
Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged on XX/XX/, it is no longer current and therefore must be removed. 
I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. 
I demand that this error be rectified immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written confirmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously and resolve it 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 non-monetary relief
Consumer complaint received 2022-03-24
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from ELEVATE RECOVERY. The call was today XX/XX/24 at XXXX to XXXX. When the phone rang there was a pause which led me to believe it may be an automated dialer. I asked the rep if that was the case, and if so, please remove my number from the automated dialer system. She then advised, " ok so you don't want to pay your bills. '' I'm not sure who the company is, nor did I EVER identify myself as the right party contact. I believe this to be a violation of the FDCPA due to the fact the rep advised that there was a debt owed without establishing or confirming who she had made contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My information has been shared with others without my written permission which is in violation of my right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 at about 4 in the afternoon, I was unfortunately a victim of Zelle fraud. I was doing a sale on XXXX XXXX  and someone of the name XXXX XXXX shared interest and set a date time to pick up my XXXX XXXX  for XXXX $ since they " were out of town '' they were going to zelle me and I was going to drop it off at the cousin 's. I eventually got an email from " zelle '' saying that there was XXXX $ pending because the person sending me the money had to send a higher amount, so XXXX messaged me asking for the {$300.00} back I was hesitant but they were very polite and also had an email on their end. I fell for it and sent them the money. Then a few minutes later I get another email and realize I fell for a scam. I sent the Zelle for an amount of {$300.00} to a XXXX XXXX under the email XXXX. I called XXXX XXXX XXXX and was transferred to their Zelle fraud department and they said they would file a claim but given that the Zelle was already sent and to a XXXX XXXX XXXX  I would likely not be able to get it back so I am trying to see if I have better help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Frontline Asset Strategies, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I transferred my phone service from XXXX XXXX XXXX and the XXXX sales representative contacted XXXX to terminate service and begin XXXX XXXX. I was paying XXXX  with autopay but started getting a final bill for service from XX/XX/2022 to XX/XX/2022 for {$110.00}. I contacted XXXX to inquire but was given the runaround so I ignored the bill then they referred to a bill collecting agency. I dont believe that {$110.00} is correct for four days of XXXX service. I found a copy of the final bill from XXXX to verify my story. I asked XXXX twice to send me a copy of the final bill with service dates but they would not provide the service dates on both of their email bills.

Company response to consumer: Closed with explanation