BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage transferred from XXXX to Flagstar in XX/XX/2019.  Around XX/XX/19 I made a call to Flagstar bank for clarification on my escrow account and the mysterious {$40.00} advance fee on my statement. At first the rep at Flagstar said the fee transferred over from XXXX. I advised her that is not true and demanded that she tell me what the fee is for. The representative then said that often when loans are transferred someone will come out and access the property. I advised the rep that due to my disability,  we are always home and no one has been out to access our property. She kept pointing the finger at XXXX and then told me that I would have to send proof the fee wasn't on my statement prior to the transfer of my loan to Flagstar. I kept several statements prior to the transfer and emailed proof per their request to : XXXX. I feel like this is a scam and they are intentionally trying to rip consumers off! Imagine all the loans transferred in the pool to Flagstar and multiply that pool amount by {$40.00} ( advance fee ) for each new loan. I want this fee removed and this company needs to be looked into carefully! What if I didn't save my statements from my previous lender? I feel they are taking advantage of consumers and it needs to stop!

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 2020-09-19
Company: Go Capital Holdings, LLC
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: Information is missing that should be on the report

Complaint:
previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the third time that I have complained about this fraudulent account. I have attached a copy of my FTC ID Theft complaint and XXXX police report.ERC # XXXX XXXX XXXX NA # XXXX. I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. ERC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is not my account Ive never authorize this to be open, I never consent or signed with wet ink everything see, s online or digital which is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I have disputed with TransUnion several times by mail and several times by phone about the public record showing on my report its the chapter-XXXX bankruptcy.I have asked how does TransUnion verify TransUnion first stated through the courts witch is not true then TransUnion said through a third party called XXXX. So i went to the courthouse and spoke with the clerk she stated that the courthouse does not release information to third party companies such as the credit bureaus or XXXX then i called and wrote XXXX they stated that they get there information from XXXX.I know my rights and the FCRA rules/laws.TransUnion is supposed to contact the actual furnisher witch would be the courthouse.This is false reporting and i want it removed from my credit report immediatly! Also the reporting date is incorrect its reporting XX/XX/2015 that is inaccurate information on my report witch calls for deletion.Another thing is my XXXX account along with other third party compaines are frozen so its no way TransUnion is veryfing through XXXX i will attach documents along with this for proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Telsa Motors Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  ended XX/XX/XXXX, all final payments were handled. On XX/XX/XXXX I was contacted by Tesla saying I owed ADDITIONAL funds for excessive wear and tear. This is not my debt, additionally the statute of limitations for California ( 4 years ) has been exceeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: The Bureaus, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, The Bureaus, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, The Bureaus, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Affirm 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:
I had some " pay in four plans '' with Affirm. They were " charged off '' and they sent correspondence that the balance may be forwarded to a collection agency. I have set-up a payment to address the balance and did understand that the items may be reported as " collections '' per their letters and correspondence with me. I saw that on my XXXX Credit Report- they have now listed these accounts as " Personal Loans '' and have noted that they are 30, 60 days late etc. causing a significant drop in my credit score. They are misleading consumers with how this data will be reported and marketing these accounts as personal loans to the credit agency and not to the consumer. They also only added these accounts after they became delinquent and did not report any of the positive credit history of payments made on time- only the negative information is being reported to the credit bureaus. I also had several other accounts that were similar by this same company that were paid in full and not reported to the credit bureaus at all and are paid in full. I believe that they are acting in a predatory manner by improperly notifying consumers that these accounts will be listed as personal loans and marked delinquent vs. collection items and they are only putting them on the credit reports in a punitive way and not reporting anything positive with the accounts. I would like these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Netspend Corporation
State: PA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX, 2015 netspend closed my account I called that day asking what was going on and all they told me is that they closed it due to a deposit. I explained to them that I had received that check as payment and did n't know that the check was a forged check. Well on XXXX XXXX XXXX was deposited in to my account I called them back up and asked for my money I was told that they will be mailing me out a refund check with my money and that it would take 20 business days. I called a week later to make sure my check was mailed out I was told it was sent out on XXXX, 2015 while on the phone I asked to make sure my address was right cause I had moved and changed it. Well while they was repeating my address they said my zip code wrong I told them that is not what I had gave them and I was told that it would be fixed and another check would be sent out and this XXXX will come in 10 business days. I call a week later again to check I was told something completely different saying that the check was sent out on XXXX XXXX and I had to wait 20 business days. Nothing about the previous call about the zip code being wrong and nothing about another check being mailed out. I called back on XXXX XXXX and was told that I will get my refund check on XXXX XXXX I asked how is that possible if that is thanks giving then they changed it to the XXXX of XXXX I asked o talk to a supervisor and she told me that it would be their on the XXXX and gave me some number telling me this is how I would be able to track my check. The number I was giving was not any number usps used and I was upset again for giving me another lie. I called back on XXXX XXXX and told them.I still have not recived my money and was told that they sent out another check and that I would Ger it in 3 to five days. I called again on the XXXX and was told another story about how my account was just called as of XXXX XXXX and that a check was never mailed out till the XXXX cause I didnr turn in the paper work thatbwas requested since I requested to close the account. I told her that was a lie and that I never asked to close my account and that my account was closed on XXXX XXXX I was told the was not true and that it was closed XXXX XXXX and that was when the refund check was issued. Today is XXXX XXXX and I still have not received my money and I 'm about to be evicted and lose my car and no food to feed my XXXX kids. I really need my money and I 'm tired of getting the running around with them with my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
ive been trying to get experian to remove hard inquiries from credit file. i called them on XX/XX/XXXX and XXXX of XXXX one rep informed me she would escalate it i believe. they keep transferring me to different people. someone keeps using my information. ive already filed a police report and ftc report and sent them to experian. the same for XXXX. they told me inquiries were deleted but they are still showing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: MI
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 am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base 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 2022-11-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I file a claim on XXXX because the company fail to verify this debt. the company responded and never sent me verifiction of this debt. this needs to be removed from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
Back in XXXX there was 2 credit card accounts fraudulently opened in my name XXXX XXXX  and XXXX XXXX as well as a collection account XXXX XXXX in the amount of {$690.00}. 

The XXXX account has been removed from my XXXX credit report but remains on both XXXX and Experian. XXXX XXXX remains on my Experian credit report. XXXX XXXX account has been removed from XXXX 5 times but the company keeps reselling the account every time it is removed this account is back from XXXX which is way past the 7yr statue of limitations which I was not responsible for. 

I have been disputing these accounts for 4 yrs and have provided all documentation to prove that these accounts have never belonged to me. I also explained in details that all my personal property and wallet had been stolen I have provided police reports Affidavit and ftc reports. 

This has been very disturbing and embarrassing that I have not been able to move ahead with my life because of these inaccurate accounts. 

I am asking that you guys can please help me to get these accounts removed. 

I am filing a complaint against XXXX, XXXX, Experian, XXXX XXXX, XXXX and XXXX XXXX  for continuing to report inaccurate data to my credit report and not fairly investigating the accounts.

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 2018-12-31
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: Account information incorrect

Complaint:
XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of this listing. There is no valid claim ... account was settled with original creditor ( Debt can not be collected twice ) ... grave errorfalse claimsand reportingI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-12-31
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A notice of cease and desist, as well as a reuest for porrof of contract was sent to Transworld Systems , Inc. on XX/XX/2018. However, they refuse to respond. Instead harassing and contacting me everyday a couple of times a day since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Jon Barry and Associates, Inc.
State: SC
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 a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing a debt with Resurgent/LVNV Funding for the past 6 months with no luck. They have been reporting to the credit bureaus as well and I have also tried to dispute the validity with the credit bureaus with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I was incarcerated and on XX/XX/XXXX {$1400.00} stimulus was deposited into my account. At the time of my arrest I think someone took my card because It was not in my belongings at jail. I was missing a card. I got out of jail on XX/XX/XXXX and immediately filed dispute because someone spent over {$1400.00} within minutes of it being deposited into my account. The bank did refund some of the charges which makes no sense because ALL OF THE CHARGES OCCURRED WITHIN MINUTES OF EACH OTHER. Please help me get my {$1400.00} stimulus money back. I have messaged and messaged and emailed for almost a year now and they dont help. They even filed the original dispute on XX/XX/XXXX incorrectly. I made it clear to them that {$1400.00} was deposited into my account and within minutes it all was being spent while I was locked up in XXXX XXXX XXXX. I have sent them proof of me being in jail for 30 days and they still didnt help. Customer service can only be reached by chat and they are from another country and barely understand what I am trying to explain to them. I had to get them to refile the original dispute because of them not adding all of the correct transactions that I was very clear about. {$1400.00} deposited, {$1400.00} disputed because it was all spent.

Company response to consumer: Closed with monetary relief