BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management sent me letters claiming I owed money. I am a victim of identity theft and so I have no idea what this debt is about. To make matters worse, they recently sent me a letter claiming they are going to sue me which makes no sense since I never injured them, and I never did business with them. I never signed any agreement to do business with them. This debt is completely fraudulent and I am a victim of such fraud. I went to my local police station to file an identity theft report, but they refused to let me file one. They directed me to the ID theft website, and now I am submitting this to rectify this fraud situation. In the event Midland Credit Management chooses to follow through with a lawsuit, this complaint is my formal notice to Midland Credit Management that the CFPB is aware of my situation and that Midland will be liable for suing a victim of identity theft. I am also prepared to file my CFPB complaint into the record if it comes to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : 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 2023-07-11
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: Account information incorrect

Complaint:
Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. 

A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple Wallet, including a particularly significant fraudulent charge on my XXXX Credit Card issued by XXXX XXXX. 

The account details for the fraudulent charges are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. 

Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus XXXX, TransUnion, and XXXX as part of my dispute process. 

Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX card is still unjustly affecting my credit report. 

Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 

Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1976 SS # : XXXX My phone number is ( 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 non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 2022-02-16
Company: EQUIFAX, INC.
State: MN
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NY
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-02-16
Company: EQUIFAX, INC.
State: NY
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:
Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, Equifax ) as well as to XXXX XXXX and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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 am writing to you because you are reporting inquiries on my credit report that I do not recall. I did not authorize the inquiries below. Please review the items listed : Creditor name : XXXX XXXX XXXX name : XXXX XXXX XXXX name : XXXX XXXX XXXX name : XXXX XXXX XXXXXXXX Creditor name : XXXX XXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file 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 2020-02-07
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sometime in XX/XX/2020 I recieved an advertising from Calibur Home Loans to refinance my VA loan because of some special from the Govt. I finally contacted them and spoke to a XXXX XXXX from Calibur Home Loans. Gave her all the information they requested, including my social. I advised Ms XXXX that my present rate was 3.75 %. I assumed everything was in order and we were ready to get the loan. The next day she informed me that the VA required that the interst rate had to be 5 % lower then 3.75 in order for me to get the loan. On XX/XX/2020 I recieved a packet from Ms XXXX. When I opened the package, and reading the letterhead i assumed they were going to help me because in one of the paragraphs it tells me if I intend to move forward with the loan I needed to sign the disclosures and to return them at my earliest convenience. I then began to check the application itself. In the application it shows that they are offering me a 2.875 % rate for a {$290000.00} loan. I had assumed the interest rate when down and they were offering me the loan. I immediatly called Ms XXXX and asked her about the package sent me. she then advised she was looking up my information. I then told her about the 2.875 interest rate that was printed on my application by them. She then advised me she would call me back after she spoke with her manager. She never called back and I finally called her back and she said that her manager said I did not lock this interest date before 60 days. I explained to her that is not what the paperwork says in my application. the letterhead was dated XX/XX/2020, In the multi-state interest rate lock/float someone checked the box that says I do not want interest rate lock in at this time. This same form is dated XX/XX/2020 not even 30 days and how could I have checked this box when I just recieved this packet on XX/XX/2020. Somehting is wrong. Ms XXXX at first stated that the VA would not honor the loan because it would not help me much. A 2.875 % loan would help me a lot from 3.75 interest.She was not being truthful on the VA response. They reached out to me. I have proof that they were going to give me a 2.875 interest rate loan. I thought Calibur helps Veterans. they sent me an agreement and did not honor it. A 2.875 % loan. Maybe because I am retired and a senior citizen and worried about their loan. The United States Govt. honors our loans. I passed everything, credit check, financial check and whatever else they required. Now they are saying they can not honor this contract because the offer was over 60 days. I tried so hard to reach out to Calibur CEO, XXXX XXXX, but kept on getting the run around. I wanted to try and resolve my issue before taking further steps,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2023-04-11
Company: Rent Recovery Solutions
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting a complaint because XXXX XXXX XXXX refuses to delete a delete collection off my credit profile. This debt was never mine and is stated that it has already been charged off. This collection agency has been harassing me for almost three years. I have sent letters directly to the third-party company as well as the credit bureau XXXX I sent my first letter on XX/XX/, asking for COMPLETE validation of the debt, and they still haven't given it to me. I also sent a second letter on XX/XX/. 

This collection was also REMOVED from my credit profile almost 2 years ago and now it is back. It was removed due to being affected by covid19 as well as no response from the asst. property manager at the time. I was in communication with her and she told me she would not send me to collections and she still did anyway. ( see attachment below ). Lastly, XXXX and XXXX have removed it but XXXX refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I HAVE CALLED AND MADE SEVERAL ATTEMPTS TO MAKE MY XXXX MORTGAGE PAYMENT SINCE XXXX OVER THE PHONE BY CALLING XXXX WITH LOANCARE MY MORTGAGE SERVICER. I HAVE NO HAD ANY LUCK GETTING ANYONE TO ANSWER MY CALL UNTIL TODAY AT XXXX XXXX AND THE REP I SPOKE WITH INFORMED ME THAT THEY ARE NOT ABLE TO ACCESS ANY ACCOUNT INFORMATION AND NOT ABLE TO ACCEPT MY PAYMENT UNTIL SYSTEM ISSUES ARE RESOLVED.
 
   THE REPRESENTATIVE ALSO ADVISED ME THAT MANAGEMENT HAS NOT DECIDED IF THEY WILL REPORT LATE PAYMENTS AND CHARGE FEES IF THEY ARE NOT ABLE TO RESOLVE THE SYSTEM ISSUES ON TIME FOR XXXX. THE FACT THAT THE REPRESENTATIVE IS UNABLE TO PROVIDE ANY FURTHER INFORMATION MAKE ME WORRY THAT MY PERSONAL  INFORMATION HAS BEEN BREACHED AND HAVE NOT RECEIVED ANY STATEMENT FROM LOANCARE ABOUT WHAT IS HAPPENING IS HIGHLY UNACCEPTABLE. I ALSO ASKED THE REPRESENTATIVE TO PROVIDE ME WITH A CUSTOMER SUPPORT EMAIL ADDRESS TO DOCUMENT MY ATTEMPTS TO MAKE PAYMENT, AND INQUIRE ABOUT WHAT IS HAPPENING. AFTER BEING ON HOLD FOR 8 MINUTES THE REPRESENTATIVE HUNG ON ME AND STILL HAVE NO IDEA WHAT IS GOING ON. 
  I HAVE FILED A COMPLAINT WITH THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING AND HAVE COPIED THIS ON THIS EMAIL WITH EVERY EMAIL ADDRESS I HAVE ON FILE FOR LOANCARE ALONG WITH THE SCREENSHOT FROM MY CELL PHONE DOCUMENTING MY CALL TODAY WITH THE TIME. 
  I WOULD REALLY APPRECIATE SOMEONE REACHING OUT TO ME TO IFNROM ME WHAT IS HAPPENING AND IF MY PERSONAL DATA HAS BEEN COMPROMISED FROM A BREACH AND ALLOW ME TO MAKE MY XXXX  PAYMENT. 

I WILL NOT ACCEPT LOANCARE REPORTING A 30 DAY LATE PAYMENT ON MY CREDIT REPORT WHEN I HAVE ATTEMPTED TO MAKE MY PAYMENT BEFORE THE END OF THE MONTH.

I WILL SEEK LEGAL ACTION IF LOANCARE REPORTS 30 DAY LATE PAYMENT IF THEY ARE NOT ABLE TO ACCEPT MY MONTHLY MORTGAGE PAYMENT, I HAVE ALSO ATTEMPTED TO TRY AND MAKE PAYMENT ONLINE AND THE PAYMENT PORTAL IS DOWN. I DON'T FEEL CONSUMERS SHOULD BE PUNISHED WHEN THEY HAVE NO CONTROL OR RECEIVED ANY COMMUNICATION FROM LOAN CARE ON WHAT IS HAPPENING. 

  PLEASE HAVE SOMEONE REACH OUT TO ME DIRECTLY TO GIVE ME ANSWERS AND ALLOW ME TO MAKE MY PAYMENT. 

I ALSO ASKED IF I WERE TO OVERNIGHT A CHECK TO THE XXXX XXXX  ADDRESS AND IT DOES NOT GET PROCESSED BEFORE THE END OF THE MONTH, WILL MY PAYMENT BE REPORTED LATE? THE REPRESENTATIVE COULD NOT PROVIDE ME WITH AN ANSWER. 

  PLEASE REACH OUT TO ME ASAP, BELOW IS MY NAME, ADDRESS, PHONE NUMBER AND ACCOUNT NUMBER. 

THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trying to collect a debt after cease and desist notice, debt is part of an ongoing bankruptcy/ fraud trial and they have the case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: SC
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:
I sent a letter last XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. XXXX XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX  XXXX Balance : {$210.00}, XXXX Balance : {$35.00}, XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In the following months USAA has denied and even shut off several of my cards. This has happened several times today. Having tried to resolve these issue USAA attempts to shut off my card again today with unreasonable reasons why. I want them fined for each occurrence and each card as they are unwilling to rectify this issue and not allowing me to make purchases. This is not the first time this has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$300.00} on XX/XX/XXXX  through " friends and family '' at PayPal ... ..PayPal responded that the recipient received the money. When the recipient tried to collect, the recipient reported that PayPal froze their account. I contacted PayPal, who responded because I sent through friends and family, there was no fraud claim ability on my part. PayPal did not answer me when I asked if the recipient 's account was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I almost died three years ago and I had to go into hardships program with my Walmart Cards. I have been paying my payments got it down to XXXX on one and XXXX on the other then I go into pay and shows XXXX  and capital so I hit on the XXXX as usual set up my monthly payment that was agreed on XXXX a month on each card no interest set for a number of months still paid off. Then I get a letter from Capital One. But when I saw both of the companies listed I called to find out what was going on. The one I make the payment to said it will stay with XXXX. Today, I received 2 letters about each card going to Capital One. So I called Capital One and they said until the XXXX they would be able to see the account coming over but I said my account is closed but I am in a hardship program with the other bank. She said it would still be coming to Capital One and they would have to renegotiate my program. That is a bunch of XXXX because Capital One will not let you be in a hardship program without some interest. They are robbing the comsumers that are financially broke but still want to pay what they owe and not go into a debt settlement program by a company and they make money off of you. This is not right. I had to pay the balance because I got scared about these cards going to capital one. And I was lied to 3 or 4 times. These credit cards companies are getting rich off of people and no wonder there is so much credit card debt because the cost of living is killing our society that are normal. people. I am on a fixed income of Social Security and never went on disability which I should have and worked all my life to end up with nothing. I can't work I am now XXXX years old in bad health. But you need to know how Walmart has done there customers with this credit card situation and jerking them around. That is what a lot of them are doing and these Cable companies are outrageous. They cut your programs you watch due to a conflict and then they still charge the same amount. XXXX and XXXX XXXX are the worst. This put me in a bind to pay those cards off but I had no choice because of what Walmart Credit Services did on Changing to Capital one. Just a scam to get people to get a new card with Capital One.

Company response to consumer: Closed with explanation