BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In an effort to save our home from foreclosure, we reached out to the bank to ask for assistance and or relief with our mortgage according to the Federal and State laws and HAF. They provided us with a plan with a Higher Mortgage amount and increases monthly payment instead of complying with the Federally mandated Covid laws to assist homeowners and avoid the foreclosure process resulting from Covid related causes.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 non-monetary relief
Consumer complaint received 2022-12-31
Company: Upgrade, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX taken in my name around XXXX XXXX  by fraudulant methods. At the same time our credit card was hacked but stopped. The loan was for the amt of {$20000.00} which I had no idea it had happened until a bill showed up in the mail. XXXX reports were filed with the local sheriffs dept as well as the sheriffs dept in XXXX XXXX XXXX 
Fraud alerts and reports were applied for at XXXX, Identity theft.gov as well as with all XXXX, XXXX XXXX XXXX, XXXX and XXXX. I later realized I was part of the XXXX XXXX XXXX in XXXX. I have filed a complaint as well. 
I have been trying to work with Upgrade to remove this loan but until now to no avail.

Then Upgrade sold this fraud loan to a collection agency XXXX XXXX XXXX without any resolution, and I am still providing information to Upgrade. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This complaint is in regard to the Zelle payment service used by my bank XXXX XXXX. 

A friend of mine sent me a Zelle payment of {$1800.00}. 

Her bank XXXX, has a glitch in their system which caused a double payment to be sent. She called her bank XXXX and one of those payments were cancelled. 

I received the {$1800.00} ( one payment ) in my account at XXXX XXXX, however my bank XXXX XXXX blocked my Zelle account as they said theres a claim of fraud associated with this transaction. 

Since this occurred, Ive had two called with ( 1 ) the sender of the payment, ( 2 ) XXXX representative, and ( 3 ) XXXX XXXX representative. 

XXXX has reiterated several times that : There was NEVER any fraud that occurred nor have there been ANY claims of any type made associated with this transaction. This issue was caused by a glitch in XXXX zelle system which caused a double payment to be made and one they reversed. 

I have been a customer of XXXX XXXX for over 35 years. I have used Zelle for over 15 years and never have there been any complaints or anything else associated with my account or use of Zelle. 

It has been over two weeks since my use of Zelle has been blocked from no fault of my own. I have requested several senior officials @ XXXX XXXX and Zelle to contact me, yet until this time, none of them have returned calls or addressed this issue. 

My Zelle account is still blocked. 

Please consider this an official complaint against Zelle and XXXX XXXX. 

The block on my use of Zelle should be lifted. 

Thank you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving copies of my credit report I found a debt that does not belong to me. It is from XXXX XXXX and being collected by LVNV Funding LLC/Resurgent. I have other credit one accounts in good standing and therefore this debt is not mine. I have sent debt validation letters and received nothing in return from the company. I have also disputed it with the credit bureaus to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Capio Partners, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two bills on my credit report and they are not accurate. I have had health insurance for 4 and half years its showing I owe a full balance. This hospital is also closed now and has been for two years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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 am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXXXXXX Balance : {$1400.00}. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery XXXX, for committing identity theft. I have never given Portfolion Recovery XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with Portfolio Recovery A and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery XXXX, any right to collect on this alleged debt. I have never received any documentation requesting validation from Portfolio Recovery A, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: KS
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2022-05-18
Company: Experian Information Solutions 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 XXXX  these accounts DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX and US DEPARTMENT OF EDU XXXX has XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: CA
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: OH
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:
Equifax failure to proper investigate is continuing to damage my credit which is not allowing me to establish credit because of all the fraudulent, inaccurate, and erroneous things on my credit inwhich have been found unverified and not validated its Peer credit bureaus. How could theyve investigated with so many inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: MARINER FINANCE, LLC
State: FL
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:
Beginning in XXXX, XX/XX/2018I requested evidence that this was my debt which is showing on my credit report from XXXX XXXX ( see attach letter. ) I never received any proof that this debt belongs to me ( like signed loan agreement or pay history ) but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-07-07
Company: EQUIFAX, INC.
State: OH
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:
The credit bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, date last reported is inaccurate, and also the payment status are as well. This grounds for removal, they also violated my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a maturity date of loan XX/XX/2019. Boa want to pay me full amount of {$40000.00}. 
They dont want to make any payment plan, modification or refinance because i had a BK in past. 
My maturity date is past due 90 days a d now they want to foreclose my house on XXXX XXXX. 

I have XXXX kids i waana keep house and wan na make monthly payment and i can afford but not the total amount of XXXX at once.

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 2023-01-31
Company: Valley Collection Service, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against VALLEY COLLECTION SERVICE LLC I reject your offer to contract I did not consent to any nonaffiliated third party VALLEY COLLECTION SERVICE LLC ACCT # XXXX to be in possession of my Nonpublic Person Information . I never gave any permission to VALLEY COLLECTION SERVICE LLC use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to CEASE AND DESIST all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A .After you sent a letter STATING that CITY OF XXXX UTILITIES SOLD MY NON PUBLIC PERSONAL INFORMATION TO YOUR DEBT COLLECTION COMPANY. I now have reason to believe that you are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED AND RESPECTED. The collection of this EXTENSION OF CREDIT would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One froze my checking account that I recived my 2nd round PPP loan and my SBA Targeted Advance Grant. Told me I obtained these funds fraudulently.

The asked me for tax returns and bank statements to release the funds and I submitted what they asked for plus my award letter from the SBA. The investigators said they need to look into the situation and get back to me. I called to check the status a few days later and they said they returned my funds to the lenders and must contact them. I contacted both and no funds were returned and said that I shouldn't worry because they have documents to prove my eligabity. They took every XXXX and are refusing to give them back and the lenders never recived my funds ether. 

I need my funds. I am a sole proprietor and I am eligable for all funds received who is the ban to tell anyone I committed fraud but tje lenders approved me with supporting documents. When I asked the bank why I can get my funds they said the out come of the investigation was to return funds. That's the reason they gave me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: CITIBANK, N.A.
State: NC
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:
I contacted Citi XXXX XXXX Credit Card XXXX in regards to a payment I did not authorize. I was set up for automatic payments for my monthly bill. I was setup for my statement balance to be paid in full every month. The payment was to be in XXXX separate payments monthly.. 

My bill is due on XX/XX/2023. XXXX weeks prior to XX/XX/XXXX I had made a payment to satisfy my Monthly statement balance. I checked my account online and it showed that my statement balance was XXXX and on XX/XX/XXXX I would owe nothing. 

However on XX/XX/XXXX {$3000.00} was deducted from my business banking account. When I called citi no one could explain why the payment went through or why that amount was paid. Can a credit card company just arbitrarily take random amounts from your account? 

I spent over XXXX hours on the phone with different representatives that assured me the error would be corrected.

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 monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX 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 ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} 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 non-monetary relief