BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-07
Company: USA Service Finance LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
USA Service Finance, LLC engaged in predatory and deceptive practices during the time at which I was allegedly one of their customers. USA Service Finance, LLC is attempting to collect an alleged debt outside of the terms of the alleged agreement, as it pertains to interest rate, and has been unable to furnish this alleged agreement between myself and their subpar organization. USA Service Finance , LLC is also in violation of regulation V, which implements the Fair Credit Reporting Act, because it never established, reviewed, or updated any written policies or procedures regarding the accuracy and integrity of the consumer information it furnished to consumer reporting agencies. USA Service Finance , LLC, has also attempted to re-age the alleged debt by superseding the alleged originating date of delinquency by reporting a closed date of a mere three years ago. Lastly, USA Service Finance , LLC has failed to provide me written notice of my right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL 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:
XXXX XXXX added a debt that does not belong to me to my credit reports. On XX/XX/2020, I contacted the company several times to rectify this matter, but I have found them uncooperative. The debt that they're attempting to collect is from an address in New Jersey which I have never lived. I asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened this fraudulent account in my name. They have Not provided any validation. They only sent me bills for service from an address I have never lived at. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX XXXX-XXXX  {$620.00} XXXX XXXX-XXXX {$420.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$92.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2023-03-20
Company: Law Offices of Gary A Bemis APC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched health insurance companies from XXXX to another provider. Health insurance is paid up front for the next month which had been paid until the switch to another provider. XXXX is claiming I owe them another month in the amount of {$1700.00} plus interest of {$94.00} and have employed multiple debt collection agencies to collect on services they did not provide. 

One of these collection agencies, XXXX XXXX XXXX, has sent a collection notice threatening legal action if not paid within 10 days without providing an explanation of goods or services provided by XXXX, my rights as a debtor who has 30 days to dispute nor a " tear-off form '' to dispute the alleged claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Westlake Services, LLC
State: VA
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:
Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan 15 us 1681a2 I didn't give written permission to have those accounts furnished on 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 2023-08-06
Company: Central Portfolio Control Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Central Portfolio Control , Inc. My name is XXXX XXXX XXXX and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted Central Portfolio Control , Inc authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2019-10-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been pleading and sending letters to Rushmore to no avail. They just toss me around from their company to their investment company they represent. But the XXXX XXXX or XXXX XXXX tells me that I should be in touch with Rushmore. 
I have paid this company over 80K in the last 3 years that they took over my loan from XXXX, another crook of a company. I have paid every month to the various banks and lenders from the time I bought my house. I owe more today!!!! than I did 15 years ago. This is just preposterous. I am asking them to give me a lower balance or at least deduct the arrears. I am not even sure how these arrears have happened. Banks can not forever act to take people 's belongings. 

I need an answer sooner than later. Rushmore also gets terrible reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am entering this compliant in hopes I can find some resolution. I lived in the apartment mentioned XXXX  XXXX  XXXX XXXX XXXX from XXXX until the time the lease expired on XXXX, I moved out on XXXX after several communications with the manager of the complex at that time XXXX XXXX. My constant communications with the front office was in regards to the on going mold issues as well as AC issues in my XXXX XXXX. I was told several times by management and maintenance that the issue would be resolved. I am a single father and have a young daughter that lived with me. After several months of the mold issues not being resolved, I informed management that my daughter had developed a XXXX  and that i felt it could be from the mold spores in the AC vents and that I would not be renewing my lease. ( please see included pics ) I was told that it would be fine and that no backlash would occur from me moving out when my lease was up. My lease ended so I moved. Per Texas Property Code 92.056 The law states that the landlord has 7 days to remove the mold, if the mold is not removed a timely paying tenant can end the lease and move ... So this is what I did, I actually moved when the lease was up and did not terminate the lease early but in fact I refused to renew a lease secondary to the mold. I received a debt collection letter from ProCollect on XXXX Account number XXXX. I then sent a certified letter to ProCollect for debt validation and in return they sent me a final account statement that clearly shows the date the lease expired and the reason for moving out as illness ( please see included pic ). so as you can see clearly, I may owe the final water bill of {$51.00} but i should not be responsible for the Cost of Re-letting fee {$1200.00} as per the statement i moved out when my lease was up due to illness from the mold. ProCollect continues to report this as an open account and continues to report tradelines  despite me providing them with pics for proof and the fact that I moved out when the lease was up and not prior to the termination of the lease, therefore eliminating the ability for them to charge me the re letting fees for unlawful early move out ... So what are they attempting to collect other than the water bill.

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 2019-10-16
Company: Movement Mortgage LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The first loan was started with Movement Mortgage in XXXX, XXXX  in XXXX of XXXX we were told that we made enough money to afford the mortgage and that we qualified for a FHA loan. We work for a XXXX XXXX and are allowed to live else were than in the city of the XXXX  base. We were ask to provide written documents that we receive free XXXX benefits, and letters from HR and immediate supervisors that they were aware of this purchase. And had to write a statement as to where we would sleep if we were not in the house and how much time we would spend in the house we had to provide a work schedule, and we had to write a statement as to why we wanted to move from XXXX  to XXXX which is the city that I grew up in and my family is still living in as well as my XXXX year old mother with XXXX. and the loan officer asked if we could help get his adult son a position with the XXXX. We were denied the loan with Movement after 4 months. the representative for the seller took our loan to XXXXXXXX XXXX were we were asked for the same documents and after 2 months we were denied by XXXX XXXX underwriter that they did not think this was going to be a good loan.The real estate officer took our loan to another lender in XXXX that closed our deal XX/XX/2019. Using the same documents. we have been in our home since XX/XX/2019 and are still working our same jobs and making house payments on time for past 2 months and our home is completely furnished and lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i wanted to pay my cc bills down before the start of the new year of XX/XX/XXXX. i made 2 payments to barclay priceline rewards card ( please see attached payment history ). i made a payment on XX/XX/XXXX for {$100.00} and a second payment on XX/XX/XXXX for {$1000.00}. i attempted to make another payment in XX/XX/XXXX but their payment system was down and didn't accept my payment. i explained this to barclay and was told its my fault i should have made other payment arrangements. however ; i really didn't owe a payment because i had already made my payment early at the end of XX/XX/XXXX.  but they still refused to move the negative 30-59 days late from my credit report. this little stunt on their behalf caused an 35-45 point drop in my credit score which  killed my chances of obtaining construction financing for my new home.please help 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : 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 2022-03-16
Company: Experian Information Solutions Inc.
State: VA
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 Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX INT Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Patient First Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : 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 explanation
Consumer complaint received 2020-03-09
Company: BBVA FINANCIAL CORPORATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX BBVA USA Bancshares , Inc . d/b/a BBVA USA XXXX XXXX XXXX XXXX XXXX, AL XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Demand Notice in re :  Promotional Offer Checking account ending in -XXXX and Savings account ending in -XXXX To Whom It May Concern : On XX/XX/XXXX, I opened the above-captioned accounts at BBVA USA ( the Bank ) online at bbvausa.com in response to a {$250.00} promotional offer. 

On XX/XX/XXXX, I met the promotion requirements. The bonus did not post. 

I contacted the Bank via secure message on XX/XX/XXXX to resolve this issue and was told I would be contacted within 5-7 business days. I was not contacted within the promised timeframe and the bonus still has not posted. 

I respectfully demand that the Bank pay the advertised offer of {$250.00}. 

Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Consumer Deposit Account Agreement. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Resurgent Capital Services L.P.
State: HI
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 had my identity stolen by person name XXXX XXXX XXXX from XXXX XXXX XXXX but lives in XXXX XXXX XXXX and another person name XXXX XXXXXXXX from XXXX Hawaii XXXX and made fraudulent accounts like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Plus LVMV funding llc

Company response to consumer: Closed with explanation