BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: Total Card, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received several Voicmail regarding a petition filed agains myself with a reference number. Received calls on work phone as well as cell phone from a XXXX XXXX of the XXXX groups regarding Total Visa Card she threatened me with suing and utilized tactics to force me to make an agreement that I can not afford. The aforementioned agreement is not within my means but a verbal demand was made to pay within 10 days also XXXX XXXX insisted for my debit card to pay and demanded to know what bank the card was from. Then I was transferred to a payment verification department that requested my permission to be recorded I declined and the gentleman said the recording was for my protection. They also asked for the 3 numbers on the back of the card which I believe is not necessary for a transaction. XXXX XXXX also stated that I would save on legal fees and now will not be sued and asked for my email address to send a paid in full letter although I requested the information to be deleted from my credit report. Also is was stated in the call that their organization had an incorrect address. 
Voicemail left XX/XX/2021 & on work phone XX/XX/2021. I returned the call XX/XX/2021 and that is the day I was forced to make a payment agreement by violation of the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} Medical XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
spoke to XXXX representative name : XXXX id # xqt he refused to remove the inquires after me telling he can will remove unauthorized inquiries. Also won't correct the info reporting incorrectly every month which is going against my consumer rights. ANOTHER REPRESENTATIVE DID THE SAME YET HUNG UP IN MY FACE. BOTH SAID THEY DO NOT INVESTIGATE INQUIRES ONCE PLACED ON REPORT EVEN IF DISPUTED VERBALLY OR DISPUTED VERBALLY. REASON THERE STILL THERE NO INVESTIGATION. 

US CODE 15 USC 1681 section 604 of force no unity is allowed to pull my credit report without my permission US CODE 15 USC 1681 section 604 A 1A REQUIRES YOU TO VERFIY ORIGNAL SIGNED CONTRACT.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent Bureaus letters last XX/XX/2022 but I didn't receive any responses. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was a customer of netspend premier card. My student loans was loaded on the card every 3 months. Every time my money was deposited I will have funds disappear from my account. The last time this happen I kept calling and complaining because over {$600.00} went missing and when I look at my history on my account it showed atm withdrawals I didnt make and even some store and online payments that was claimed to be purchased by me.I finally reached customer service to dispute these problems with my account. Some of the money was credited back to me but still was out of over {$600.00} in money lost.When I tried to call and ask them to dispute the rest of my money because I felt like my account was hacked I was turned down and sent a small check not even close to all my money I had lost and account was terminated. I read other post about the same issue I had and it I 'd not fair how we load our funds to this card to get done wrong by netspend and XXXX. Please help!

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I want you to remove the following accounts as these are violating the FCRA 605B of the U.S. Code 1681C-2

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 2017-05-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX  has made every single monthly payment since receiving a TPP and permanent modificatio n, but Rushmore keeps improperly saying that she is a month behind. Rushmore has sent her a mortgage statement and default n otice indicating she is a payment behind when she should be current. ( Ex. A. and B ).      XXXX   XXXX  received a   XXXX   XXXX   Trial Period Plan ( TPP ) with payments of {$1500.00} beginning in  XXXX   XXXX  from her previous servicer,  XXXX   XXXX . ( Ex . C ). S  he made 3 timely  TPP payments for  XXXX ,  XXXX  and  XXXX  of  XXXX . While waiting for her permanent modification documents, she made TPP payments for  XXXX ,  XXXX , and  XXXX . After she mailed in her  XXXX  payment, she found out that the servicing of her loan was being transferred to   Rushmore. She then continued making TPP payments to Rushmore    for    XXXX ,  XXXX  and  XXXX   XXXX . After she made her  XXXX   XXXX  TPP payment, she received permanent modification documents from  Rushmore in dicating a higher monthly payment of {$1900.00}. ( Ex. D ) Following the terms of her permanent modification, she signed and returned the documents, and began making payments of {$1900.00} starting with the  XXXX   XXXX  payment. Although her  XXXX  payment was initially returned, her attorney sorted this issue out,  and Rushmore  accepted both her  XXXX  and  XXXX  payments of {$1900.00}.  XXXX   XXXX  was notified she needed to sign new permanent modification documents in  XXXX , but the payment remained the same. She signed and returned those documents in  XXXX . ( Ex . E   ).   She made her  XXXX ,  XXXX  and  XXXX  payments in the amount of {$1900.00}. Attached as Exhibit F are copies of every single check  XXXX   XXXX  has paid from  XXXX   XXXX  to  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
This account has had a hold for over 3 years. I have sent over documents requested to Capital One for verification to remove this hold. I have just recently resolved the annual fee being charged to me for the past 2 years and it was credited back to the account. However this is useless because I have no card to use this account, therefore a credit is useless unless I can use the card. I have called and left voicemail to the representative handling the last complaint, with no call back or card replacement. My last correspondence to Capital One was a fax with all my verification documents almost 3 months ago. Still no card or response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: MIDFIRST BANK
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
On XX/XX/2023, my XXXX XXXX FHA mortgage was sold to Midland Mortgage while I was in the middle of a medical forbearance. In XX/XX/2023, I started receiving aggressive threatening collections calls more than once a day. A month after Midland Mortgage received my mortgage, they sent me a pre-foreclosure letter giving me a short amount of time to correct the situation. I called Midland Bank in XXXX to inform them the mortgage was in a forbearance until XX/XX/XXXX at that time they informed me that XXXX XXXX never gave them anything stating that, I spent over an hour on the phone with them and finally someone told me they located the mortgage documents, and I was on the Unemployment Plan. I stated I never heard of an unemployment plan and how XXXX information on this new status they have given me. I was instructed by Midland to re-apply for their mortgage assistance, but I informed them FHA stated they had to honor the terms they obtained the mortgage with.

I thought during the forbearance period I was under some type of federal production? The Midland Mortgage representative instructed me that I was in pre-foreclosure on a recorded call. I have been forced during a forbearance period to try and prevent my mortgage from foreclosure so I am seeking legal counsel. Additionally, I was file a complaint with the XXXX regulatory entity.

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 2022-09-29
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me with legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided XXXX VERIFIABLE PROOF. You are big, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and are also in breach of Sections 616 & 617 for willfully noncomplying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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 2022-04-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/22, our daughter lost her Chase visa credit card in XXXX where we reside but we thought it would turn up in her car or in her room because there were no suspicious charges immediately after losing the card. Then on XXXX, 2 weeks later, unauthorized charges started appearing that took place in Washington DC totaling approximately {$800.00}. Upon discovering these fraudulent unauthorized charges, I phoned Chase immediately and they said they would review my claim and would temporarily remove the charges. I never heard another word about the claim until I noticed the {$800.00} worth of charges had been reapplied to my account- there was no email nor letter informing me of this reapplication or the result of their fraud investigation. 
After numerous conversations with various departments, they have refuted my claim. These charges were absolutely NOT made by any member of our household and were most definitely UNAUTHORIZED by any of our family members. 
Upon doing some subsequent research, I am under the impression that we should be protected under the Fair Credit Billing Act and should not be liable for more than {$50.00} for the unauthorized/fraudulent use of our credit card. 
Thank you for your assistance to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: MN
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:
In XXXX of 2022, I was a finalist for a CEO position, and I signed a disclosure and authorization for XXXX XXXX to do a consumer report. THE REPORT WAS RUN THROUGH EQUIFAX XXXX XXXX XXXX. I am formally complaining that this credit report is being reported by Equifax as a Hard Inquiry which has credit score implications. On no other reporting agency is this investigation being reported as a hard inquiry, as I was not seeking credit. I filed a complaint with CPFB to have XXXX XXXX fix this error on complaint number XXXX. The inquiry was not removed because XXXX XXXX knows they ran the report, and it is reported on my credit report as EQUIFAX XXXX XXXX XXXX, XXXX, CA XXXX. Yesterday, I spoke with Equifax, and they understand my issue but will not remove the inquiry unless I file another complaint with CPFB against EQUIFAX XXXX as reported on the credit report. I previously filed a dispute with Equifax, and it was denied. I am requesting that this inquiry from EQUIFAX XXXX be removed from Hard Inquiry which would remain on my report for another XXXX  months and continue to harm my credit score as if I were attempting to over-purchase. I have ended my paid membership with Equifax for not being customer friendly, knowing full well what happened and its negative impact on me and my family.

Company response to consumer: Closed with explanation