BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-30
Company: PROVIDENT FUNDING ASSOCIATES
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX my husband became very ill requiring several weeks of hospitalization. He has always paid and handled all finances for the home. In trying to take over all payments of the bills, it came to my attention that a loan modification had taken place, as far as I have been able to research on or about XXXX. My name was not on the loan. My husband was apparently told that they didn't need my income to quality for a loan modification. The application was processed without my knowledge of being removed from the mortgage. 

I have contacted a lawyer, and was advised a loan modification should not be done to remove a person from the loan. If the home was in jeopardy of foreclosure, my income was provided as part of the process. 

Since my husband has been ill this has left my hands tied trying to pay for my home that I have lived in and supported in payments for close to 23 years. I have contacted Provident to obtain the documents they say I signed. I have never signed anything that I was aware of to be removed from this mortgage. I am on the deed, and this has been difficult to say the least to sort through. Provident did not provide due diligence to protect my assets in the home I have been paying on for years. I have been since XX/XX/XXXX trying to get the home back in my name, since my husband was diagnosed with XXXX. This has been a hardship for me and an expense I should not have to take on at this time in my life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX 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 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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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 2022-12-06
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
This company have abused my rights to fair credit. They have been reporting many times over multiple years incorrect information. This company reported the same account over 3 times to negatively affect my credit score. First the company reported the wrong amount on the account to my report ( 1st time a negative impact, credit drops dramatically ), then re-report the same exact account with a different amount ( 2nd time a negative impact, credit drops ) all in the same year. A year later the company takes it away then re-report it but only this time adds a remark to the account stating voluntary surrender ( 3rd time a negative impact, credit drops ). Lastly, 3+ years later and as of today re-reports the same exact account and changes voluntary surrender to repossession ( 4th time a negative impact, credit drops ). This is very unfair and have caused a financial disaster for me and my family. These actions have changed my life for the worst and are a result of lenders taking opportunities I once had and still would have away from me! I have information and screenshots of all the times this account was reported and changed around. Each time I was negatively affected! I will submit the proof and I have reached out to the attorney general for help regarding this matter.

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 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had Capital One credit cards for over 7 years and was never qualified for an increase even when my credit score increased and made on time payments. Capital One also closed all credit accounts without notice or paperwork. When speaking with employee ID XXXX no compassion was given and loud sighs was heard over the phone and that was the manager. I felt discriminated upon for always being denied and dismissed from their employees and never considered as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: LA
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:
Date opened XX/XX/XXXX XXXX XXXX app Additional information Account is in violation 15 usc 1681a Account opened and past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with XXXX account is not showing with XXXX at all and Experian shows open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history Experian open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 updated XX/XX/XXXX XXXX shows no account at all XXXX Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history All three were updated as of XXXX and XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE XXXX TO SEEK DAMAGES UP TO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: IL
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 new information pertaining to a complaint I submitted to Equifax on XX/XX/2022. They responded to my complaint on XX/XX/2022 and their response is another violation. Pursuant to 15 U.S.C 1681 ( a ) ( 2 ), this elaborate mechanism continues to give me generic and automated responses. They need to conduct their own investigation about my issue pursuant to 15 U.S.C 1681i ( a ) ( 4 ). I have a right to a reasonable investigation from Equifax. Also, pursuant to 15 U.S.C 1681i ( a ) ( 5 ) ( C ), Equifax needs to make sure that this unfair and inaccurate reporting shall not show up on my report again. This issue lies directly with XXXX XXXX  and XXXX XXXX  because they continue to report a balance that I am not obligated to pay and Equifax continues to leave this negative information on my consumer report when pursuant to the FCRA they need to follow my directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: HOVG, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to XXXX XXXX. A notice of this debt was sent to my old XXXX address on XXXX XXXX. I was not in that location as I have moved to XXXX XXXX. My address was changed with USPS XX/XX/2023. Which further proves I did not receive notification of this debt and it was just added to my credit report with again is a violation of the fair credit act. As a collections company you need to make sure you have to correct information before doing this. You are breaking the rules.

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 2023-09-19
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed my medical bill of {$720.00} with Medical Data System, and they told me to pay {$650.00} and it will be removed from my Credit Report. i paid the balance of {$650.00} on XXXX which was affecting my credit score.

Medical Data System have not provided me receipt of my payment till today ( XX/XX/XXXX ). i am in a process of buying a house and i need a proof for Loan company, where it shows i made the payment to Medical Data Systems XXXX I called so many times for a receipt and i spoke to the XXXX today " XXXX '' XXXX employee number # XXXX and requested again to provide me a receipt of my payment, they says it takes XXXX to XXXX business days for them to process the receipt and send in the mail, it is my right to get a receipt when payment was made, or at least send me a receipt after 3 days when payment was made ( payment was made on " XXXX '' ). 
i am running out of time with my closing date, and this payment is dropping my credit score XXXX points, which is making my monthly payment really high. 
i really need that payment proof immediately, and i called so many times and requested them. i feel Medical Data System process is not according to CFPB rules, if i already paid and money is taken from my bank account, then why they can't give me a payment receipt, today is 9th day i am still waiting. also they have no system where they can email the receipt to me. they have no idea how system work, they just say it will be processed. i feel i will loose my Due Diligence amount i paid for the house, and i won't be able to get a proof of payment i made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Due to unforeseen circumstances, I missed a payment of {$150.00} that was due XX/XX/2021. I called the company and asked if I could possibly get an extension. I told them I was unable to pay @ the present time, due to an emergency. I found out that they are in the process of repossession only by checking the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ive been trying to contact you guys about lates on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of this year, I saw 3 different " marks '' on my credit report from PORTFOLIO RECOVERY SERVICES and I did not recognize the debt. 2 of the 3 not only were not recognized, they were fraudulently put in a status of " Dispute resolved ; customer disagrees. I sent them notarized letters via certified mail ( attached ) in late XXXX requesting VALIDATION of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } asking for PROOF on what the money is for, proof of signature ( and showing I agreed to pay - the contract itself ), proof they are liensed to collect, license numbers and registered agent, and other proofs. I recently went through a divorce in 2019 so I had reasons to believe it was not mine, but my ex-husbands. Not only did I not receive any contractual proof or signature, I received the WORST, more POOR communication back, saying that because they bought the debt as a 3rd party creditor that it is " VALID '', which is not only not what i asked for, but proof they are giving me the runaround. At this point we are planning a lawsuit - I am asking the credit bureaus, due to the lack of proof to remove this immediately from my credit report completely and to ensure it never shows up again. This debt is not only not mine, but no validation can occur on a debt that is not mine. This company is violating law and should be looked into for unfair and fraudulent business practices. 

The accounts are as follows : NAME : XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNTS : ( CREDIT REPORT ATTACHED ) ACCOUNT NUMBER # XXXX ACCOUNT NUMBER # XXXX ACCOUNT NUMBER # XXXX POOR RESPONSE BACK ( SHOWING NO CONTRACTUAL PROOF ) ATTACHED TO COMPLAINT. cerified mail copies that were sent to them are also attached! Credit report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: TX
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 XXXX XXXX XXXX after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CL Holdings LLC
State: CT
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:
Please see complaint filed XX/XX/21 - XXXX Submitted complaint XX/XX/21 for debt collection contacting/sharing someones information improperly. Company wrongfully wage garnished my stepmother at her employer after obtaining her social security number. Company refused to email me back or find my file via phone call. I contacted the attorney generals office because to be quite honest this has been a nightmare - they sent me the findings with the companys case notes which clearly show the my stepmothers social security number with my name and mismatch information. They wrongly wage garnished a person and clearly did not do their due diligence to ensure correct information. - Follow up below on why I am contacting you yet again on this issue : Jefferson Capital stated in the companys response Please be advised that Jefferson Capital does not have any personal information belonging to your step mother, Ms. XXXX XXXX. 
After reviewing the companies case notes obtained from the attorney generals office- file number ( please contact me ) on XX/XX/21 Jefferson Capital already began to use my stepmothers social security number, showing they clearly obtained XXXX XXXX XXXX stepmothers ) personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: NC
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 received information from Equifax, and XXXX that I have a bad debt from XXXX with a collection agency called XXXX XXXX XXXX. I asked them to provide me the original contract and the date this alleged debt occurred. After several they keep coming back as verified. This causing a strain in my life and financial situation knowing someone can easily put things on my credit report with proper validation or verification. I reached out to collection agency and they sent me a letter asking me to obtain a proof of residency from XX/XX/XXXX from a XXXX bill? But Equifax XXXX XXXX are reporting debt XX/XX/XXXX. Please see my attachments. They violated my rights per 15 U.S, C. 1681G Law violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was working with a mortgage broker to qualify for a home mortgage. Surprisingly, my credit score was just average- but it should be nearly perfect. To my knowledge, I have never missed a credit card payment, a rent payment or a bill payment. My student loans are paid off. The mortgage broker ran a credit report, and we learned that in 2017 somebody fraudulently took out a Khols Capital One Credit Card in my name with a {$300.00} limit. The thief maxed it out immediately and a payment was never made. For 5 straight years, without my knowledge this fraud has negatively impact my credit score. This situation needs to be resolved. I am hardworking person who tries to do the right thing and supports my wife and future child. This credit situation needs to be resolved.

Company response to consumer: Closed with explanation