BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I can not remember dates. 
I was called and threatened with arrest warrants and was given 1 day to pay debt or I was going to jail. 
I did settle the debt with them and paid when I could but at an astronomical amount. 
The calls where non stop. 
I did tell them that I never received anything in writing and to just come and arrest me. 
Ill be waiting. 
Very stressful at a time when I had major life losses and felt worse by not being able to pay my debt. 
You would have thought I owed a loan shark with this tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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: Was not notified of investigation status or results

Complaint:
in XXXX I filed disputes with the XXXX, Transunion and XXXX. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.

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 2023-03-27
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: Was not notified of investigation status or results

Complaint:
Hello, I asked Transunion to verify this account multiple times since I dont own this account and asked for my bearing signature on the agreement with XXXX XXXX or anything that I have agreed upon. I wasnt provided with any details this is impacting me a lot and violating my rights. 
XXXX has already verified this account isnt mine and provided me with every detail in a professional way. I would want this account to be immediately deleted from my credit report. 
XXXXXXXX XXXX XXXXXXXX Submitted on XX/XX/2023 File number XXXX Completed on XX/XX/2023. 

Second. 
Dispute. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DISPUTE REASON : Ownership I have no knowledge of this collection account. 
I asked for documents and proof of this account as well but none was provided. Please delete this 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 2019-01-22
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Guild Mortgage Company increased my monthly payment on a ( 30 year fixed loan ) in excess of {$360.00} per month. In addition to the increased monthly payment XXXX added fees for services not yet rendered, fees for services in excess of valid cost of service and fees for services not rendered at all. In addition, XXXX failed to remove the PMI upon request once the equity in my home qualified for the removal. XXXX exceedingly added fees and charges it required me to satisfy in order to avoid foreclosure. I was unable to cure the amount XXXX was demanding as it including {$9000.00} in fees for the trustee PRIOR to initiating a foreclosure. 

As a result, my home was foreclosed. An investor bought my home at the trustee sale. My mother who was in need of daily assistance with living resided in the property with me at the time of the trustee sale. She and I were forcibly removed without a moments notice. I was prohibited from even putting shoes on my feet. My mother and I were displaced from each other resulting in her to pass unnecessarily after suffering multiple strokes without medical attention. Her brain suffered too much damage for her to recover. 

The investor was given access to my home and ALL of my personal property. The movers threw a lifetime of personal possessions in a storage unit as if it were the dump. A lifetime of personal property was destroyed after the movers took what was of value for themselves. 

I am currently in the Nevada Supreme Court after the XXXX XXXX erred in judgment by dismissing the wrongful foreclosure case against XXXX. I hope this complaint is taken seriously and action is taken to prevent XXXX and other banks from predatory loan servicing with the intention to force a foreclosure thereby destroying my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Atlas Services, Inc.
State: IN
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:
On XX/XX/20 I applied for a New car loan through XXXX XXXX XXXX in XXXX, In. The 2 companies that were contacted were XXXX XXXX XXXX and XXXX XXXX service. These 2 companies ultimately denied my applications because of 2 NEGATIVE accounts on my Credit Report. The NEGATIVE accounts are with Atlas Collections and were recently Disputed and resolved through C.F.P.B. As it turns out the 2 accounts were turned into my Attorney to go into my Chapter XXXX Bankruptcy. So one of several things have happened to these 2 accounts ( 1 ) The Attorneys office ( XXXX XXXX XXXX ) paralegal failed to turn the submitted bills into our Chapter XXXX ( 2 ) The Paralegal failed to research the accounts that were applied to my Chapter XXXX and forward the info to the Atlas Collections or ( 3 ) The Atlas Collections company has failed to abide by their statement that they would remove the 2 accounts. ( 4 ) Or all of the above. It is almost impossible for a person to repair their credit when you have companies like this that disregard the law and the customer they supposedly represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my account on XXXX. But keep reporting it open to XXXX. I requested the account be closed on XX/XX/2023. They closed the card and sent me a confirmation email that it was closed. I had no late payments at the time. Its fixed on all the other credit bureaus. But it keeps being reported open on my XXXX report. It is now almost 90 days and I have disputed it several times with aspire customer service as well as XXXX. XXXX keeps saying that a spire says its opened. When I call and speak to a spire customer service, they verify that it was closed on XX/XX/XXXX and keep giving me the runaround and saying oh it will be updated within 30 days. Will it be in three months now and now I have a late payment reported and this falsely reporting an accurate information is damaging my credit severely and his violating the fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX and XXXX of XXXX Capital One Bank put a late payment on my account. This was an auto bill pay issue and a glitch in the system. I keep all my accounts on autopay for peace of mind. The bank recognized this and reported the payments late, I have since then have been trying to talk with the bank to ask them to kindly remove them because of an autopay error, but they will not. This has greatly effected not only my credit score but my credit worthiness to be able to obtain credit and achieve the American dream on being able to own a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IN
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , IN XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$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 explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: MO
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:
Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

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 2018-03-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The Company is : Lakeview Loan Servicing , LLC or XXXX Attn : Consumer Solutions Department XXXX. XXXX XXXX XXXX XXXX, VA XXXX I closed on my home XX/XX/XXXX. 
In my closing papers my new forwarding address was listed as XXXX XXXX XXXX XXXX GA XXXX. 
On XX/XX/XXXX- XXXX XXXX XXXX ( XXXX ) paid XXXX {$1600.00}. This was alarming considering I already closed on my home, so I called to find out what was going on. 
- XXXX confirmed they recieved payment from XXXX and issued me a refund check for {$1600.00}. 
- The XXXX XXXX XXXX Stopped the check to XXXX  ( apparently the realized they paid them by mistake and sent my refund check to XXXX XXXX XXXX XXXX GA XXXX on XX/XX/XXXX ( or so they say ) Well that is not my address anymore, i clearly sold that house, so i cant figure out why they did this. 
- Since that is not my address i started calling XXXX XXXX XXXX and trying to MY ESCROW money sent to me ... 
- I have called SEVERAL times and always get put on hold and wait for 25 minutes before they disconnect me. 
- I believe this company is trying to steal my money and put me on a block list so i cant speak to management. 
- I am now trying any avenue possible for them to send me MY MONEY to the CORRECT address, this entire mix up is all their fault and they need to be held accountable for holding MY money for so long without permission. 


Please remove my address before publishing

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those 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 2018-04-30
Company: NCS, Inc
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to add new documentation to my complaint against XXXX XXXX. The reason why i filed the complaint is the tactics they used to get more time to serve me. They knew i was out of town and have known it for awhile. I had a a case i lost which was the first part of all this. I couldn't make it back cause i was out of town working so i filed for a continuance. It was granted but when the time came i was still out of town and the my motion was denied. I called XXXX XXXX and XXXX to ask for more time and they wouldn't. I have called there repeatedly about this new one. I have told them several times i was out of town. I had even scheduled a time to pick the notice up there at there office. In the first case it was an over payment and they held a check for me until i came in town to pick it up. So when they filed the notice to serve by pulication stating i was hiding is a lie. Its what they had to say to get the court to give them time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Banks Chose to not Verify XXXX XXXX  and XXXX XXXX XXXX  the Bank refuse to verify any class of people they dont like the Banks Violate Fedral and State Laws and International Laws when Bank make zero effort to verify people that are not easely Verifiable excluding Clases of XXXX  XXXX and XXXX XXXX XXXX  ..... 
I have a XXXX Credit Score there 100 % no Valid Reason the bank cant Verify me, The Bank Should request a Coppy of my ID and Utility Bills I Tried to Open a High Intrest Savings acount with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and nobody can verify me. 

The Banks Can Only Verify People that own Houses and Have Steady Jobs. 

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 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 2023-04-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX 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 15 USC 1681 Section 602A states I have a right to privacy.

15 USC 1681 Section 602A states also state a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.

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 2023-04-23
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone hacked my cashapp account and withdrew {$260.00} and bought a bunch of bitcoin in increments. This happened on XX/XX/2023 at XXXX. All together it was XXXX. I have disputed it with cash app and also XXXX XXXX. Cash app keeps denying it and will not give my money back to me. I've been getting a run around since then. All I want is my money back. That's all the money I had for my XXXX XXXX XXXX daughter and I. I keep getting different answers. Nobody has helped me through cash app at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX/XXXX  XXXX XXXX/XXXX  XXXX Account # XXXX XXXX   XXXX XXXX  XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation