BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: Village Capital & Investment LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I was rear-ended endured hardship with casualty loss resulting in a change of circumstances. I reached out to Village Capital & Investment who owns XXXX XXXX   concerning recent changes on XXXX. I was informed at that time " this mortgage company couldn't help me in any way there were no hardship assistance programs for me to apply too. '' I was informed " to go to a church and ask for assistance. '' I informed them that I would be seeking legal advice concerning this matter. XX/XX/XXXX Village Capital called stating that I could apply for Loss Mitigation asked if I was able to start making payments XX/XX/XXXX. I replied yes XX/XX/XXXX payment made on XX/XX/XXXX my account was blocked and a XXXX Sheriff was sent to my home stating I was being summons to court for foreclosure of my property cause no.XXXX. The judge was informed that my TILA rights were violated and I was denied hardship when their own website states they have assistance for clients in need of hardship. My PMI is excessively high. Under Predatory Lending Village Capital hinder me the ability to receive services for repaying debt, charged me excessive or hidden fees, tried to force me into foreclosure, denied my loan modification, breached of lending liability law, deliberately made it hard to repay loan, violated dual tracking law, esscrow fraud. A representative from XXXX XXXX XXXX XXXX contacted me in XXXX until balance agreed upon by Village Capital was reach in XX/XX/XXXX in the amount of {$15000.00} included late fees attorney fees, property and insurance taxes, mortgage debt, monthly home inspections, and court cost. My payments were to resume XX/XX/XXXX. Village Capital received double payments for the months of XX/XX/XXXX check # XXXX ; XX/XX/XXXX # XXXX ; and XX/XX/XXXX # XXXX. Village Capital refuse to refund the three months of double payments, when questioned they later sent racketeering fees in XX/XX/XXXX stating I owed an additional {$700.00} that wasn't included in agreed amount during court. From XX/XX/XXXX till XX/XX/XXXX they reported to the credit bureau that I never made those above payment or disclosed that XXXX  XXXX paid balance in full per court agreement that my account was back in good standing. Village Capital never sent my mortgage W2 forms for XXXX for the months of XX/XX/XXXX till XX/XX/XXXX. My account was blocked from XX/XX/XXXX till XX/XX/XXXX was unable to print off W2 form for my taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Date : XX/XX/2021 Unauthorized CashApp Amounts totaling {$2800.00} I filed police report of identity thief and theft of all my belongings for a theft I noticed when I awoke on the morning of XXXX XXXX. ( Due to error in reporting, my report wasnt officially received till a month later ) In the theft my credit cards were stolen along with my phone. 
i later find out my name, phone number, email address, and IP address were used fraudulent without my knowledge or consent while I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, 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. 

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 2023-05-10
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I remove my home insurance from my current lender ( Freedom Mortgage company ) because they increase my policy and went ahead and found me another company which provide me a better prices. I decide to go renew my home insurance policy with my new company starting on XX/XX/XXXX to XX/XX/XXXX. My new home insurance company sent all documents needed to my lender so my mortgage can be in accordance so I can start paying my mortgage including my home insurance with not problem. In XX/XX/XXXX the lender company decide to do an audit on my Home insurance and decide that I have a negative balance because instead to do an audit for one year home insurance ( XXXX which is current ) decide to add an additional year ( XX/XX/XXXX to XX/XX/XXXX ) without my concern or without me having a new contract with my actual company or with out a payment from them. I called my company ( XXXX ) to see if the lender paid in advance the insurance they are trying to make me pay ( XX/XX/XXXX to XX/XX/XXXX ) or if they renew on my current home insurance where they state NO. So now, my complaint is that my lender or mortgages company is trying to make me paid 2 times my XXXX XXXX XXXX instead for the one year contract I have with XXXX which is being already paid by the lender and is part of my regular monthly payment.

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 2019-01-10
Company: EQUIFAX, INC.
State: OR
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:
I called the 3 credit bureaus to put a personal statement on my report. They asked me the usual questions in regards to verifying me, but they asked me a bunch of questions regarding my student loans. They were trying to get me to verify that I took out the loans and I said I did not. This was the whole reason I wanted to put an identity theft tag on my personal statement as I am fighting with XXXX about it currently. I tried to talk with Equifax before about the identity theft of 2016 and to dispute items on my credit report and they made it impossible for me to dispute them. Its like they want to have negative things on my credit report. So I had to claim bankruptcy. When I applied for a loan for a house last year, they said that I should be able to request a personal statement, So this is why I called the credit bureau. XXXX  told me after about asking at least 20 questions that I still was not verified. They would ask questions like what was the balance on your credit card two years ago? This is ridiculous. I spoke with XXXX and I told him because he was in a foreign country, I wasn't sure I was speaking with Equifax. I said I wanted to talk with a supervisor who was English speaking and they sent me to another foreigner who asked the same questions that XXXX said I got wrong. I am very uncomfortable after what happened sharing any information about myself, let alone being asked 20 questions. My student loan accounts are inaccurate and I never took any loans from anyone other than XXXX XXXX who sold them to XXXX. I cant even put a dispute in or put a personal note about what happened 2 years ago due to credit card fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : 1. information solely as to transactions or experiences between the consumer and the person making the report 2. any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : 1. XXXX XXXX BANK XXXX 2 . XXXX XXXX BANK XXXX XXXX 3. XXXX XXXX BANK XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX BANK

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are XXXX, XXXX and TRANSUNION continuing to reporting them.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 non-monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # 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 2022-01-18
Company: KEYCORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent certified letters to Keybank on XX/XX/2021 and i have on numerous occasions submitted complaints about this same issue over a year now regarding the unauthorized reporting of the negative payment history being reported on my consumer report. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) which states that The Congress has found the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Keybank has violated my right to privacy and this statue by reporting the payment history information of this tradeline account to the consumer reporting agencies. The Congress said transactions or experiences should remain between the consumer ME and the person Keybank thereby making the reporting of this accounts payment transactional history inaccurate. 
Pursuant to 15 U.S. Code 1681a ( b ) ( 1 ) Keybank has injured my credit worthiness, credit standing, credit capacity, character, personal characteristics, and has caused me mental anguish as you have violated my consumer right to privacy and damaged my reputation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 demand the removal of any and all " late payment '' entries or 30-day delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal 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 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Thursday, XX/XX/2019, I received an email saying that my email and home address had been changed on my two credit card accounts. I contact the credit card company immediately and spent an hour on the phone with them. They assured me everything was changed back and a restriction was put on my account. I asked specifically since I was on the phone right away that these cards would NOT be sent out. She assured me we caught it on time. I made sure BOTH the accounts were fixed and she said yes. Now 14 hours later I get another email from them stating that my cards were XXXX XXXX XXXX to the fraud address in Florida AND they charged my account a rush fee, {$16.00} each, for both cards on my account. I contacted them and told them and they act like they have no idea what is going on. I called XXXX XXXX and they said the only person that can stop the delivery is Capital One, yet they act like they don't know who to call XXXX XXXX to stop this delivery. I did my due diligence to try to protect my identify and they did nothing. I have been on the phone twice with them and they did nothing. I begged them to call XXXX XXXX to have this delivery canceled and they refused. They acted like they had no idea how to reroute a package when XXXX XXXX told me all they had to do was call and stop the shipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm writing to convey how deeply annoyed and dissatisfied I am with the bogus accounts on my credit report that have not yet been rectified. It has come to my notice that your agency has not taken the essential steps to swiftly resolve this issue despite numerous attempts to address it. You must comprehend the seriousness of this matter and the serious implications it has for my security, reputation, and financial situation. I've given you thorough information and proof that these accounts are bogus, and I've told you that I'm a victim of identity theft. You are required by law to carry out a complete investigation and guarantee the accuracy of the data reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX In order to defend my rights and make sure justice is done, I want to make it clear that I take this situation seriously and am prepared to pursue legal action if required. Any further delay is intolerable, so I believe your agency will move quickly and firmly to fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Factor Trust
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
FactorTrust is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute as to entry on my credit report. TransUnion failed to investigate until I established that I was who I purported to be and lived where I purported to live. Under the Fair Credit Reporting Act, I have the unfettered right to file a dispute and TransUnion chilled the exercise of that right. I am angry. I would not have filed the dispute unless I had access to my credit report. Obviously TransUnion knew who I was and where I had lived. It had sent me the report.

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 2019-07-30
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a debt collection notice claiming it is in regards to an account with XXXX. I've never had a credit account with XXXX. In fact, when I used them as a payment processor for selling used items on XXXX, I caught them stealing my sales before I got a chance to transfer them to my bank account and also stealing directly from my bank account for foreign transactions I never received or transferred as investigated and determined by my bank. Because there was no way to unlink my bank account from XXXX and they refused to return the funds or abide by XXXX or even their own posted Seller Protection Policy, I had to close down both my XXXX store and bank account of 20 years to avoid future theft. This phony debt collection seems to be yet another XXXX scam. XXXX has never issued me a credit card or loan of any kind nor would I ever accept one from a company that stole my hard earned sales of personal property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Instead of sending me proof. They say I owed the debt without showing me proof and keep texting me even though the law says Collection agencies are not allowed to contact the person if he or she has requested validation on the declared debt during the required validation period ( typically the first 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