BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have wrote disputes to equifax and XXXX to advise them with proof I was a victim of identity theft ( police report, FTC complaints and all personal info of mine ) that I am a victim of identity theft and that the fraudulent items I circled are not mine and to remove them according to the fcra 605b they are to do so immediately as they are not mine and are fraudulent. Both XXXX and equifax has refused to follow said laws and left said items in my reports refusing my numerous disputes to the company over the past 2 plus years. I want these companies held accountable as my credit has suffered I have been refused employment and insurance due to these companies negligence. I eant items removed immediately and I am retaining an attorney to file criminal charges in court if this is not removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified. 
I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus. 
Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
On XX/XX/XXXX it was discovered while on Equifax that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXX XXXX to and was retaliated against and since then have been paying the price and am now homeless and can't get a job and now this. XXXX XXXX along with the California Tax Board have manipulated my paystubs with only XXXX paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California Tax Board take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX the same University I am suing due to me being XXXX. Moreover, XXXX and XXXX have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Mr. Cooper Group Inc.
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of conducting research into the assignment of my current mortgage. In order to do so, I have received documentation from my originator that led me to Pacific Union Financial, which was bought by XXXX XXXX. I have called Mr. Cooper Customer service in an attempt to receive documentation of the mortgage 's sale to Pacific Union Financial, and any sale thereafter to XXXX XXXX. I was told that the research department did not have a direct phone line, however I should fax my request for information. The attached fax is what I had sent on approximately XXXX XXXX. 

I have yet to receive any contact from the research department. As this research concerns a potential foreclosure of my current mortgage, and as Pacific Union was once acting as my mortgages investor, these records are of vital importance to me, and have the potential to cause me financial hardship if not obtained. 

I feel it is Mr. Coopers duty as a financial institution to provide records, or at least communication to its clients, and the clients of its acquisitions in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

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
Consumer complaint received 2022-05-31
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX did not finish the work they agreed on, And I believe I was discriminated because of my race.The surgery went fine a very professional, 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 XXXXThe work was never finished and now it is on my credit report for XXXX dollars

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 2022-10-22
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax put an unauthorized security freeze on my credit. I was an identity theft victim due to their data breech. In XXXX Equifax removed all the bad accounts from my credit and it went up to XXXX. Now they have added a freeze and all the removed debt they put back on my credit. I can not get a place to live with an unauthorized freeze. They said working on issue and I have to wait 60 days. I will be on the street. My lease ends XX/XX/XXXX and I found a new place to live and gave XXXX XXXX in XXXX my security deposit. I have accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Among other credit cards that were not mine. Also they have several wrong addresses i.e. XXXX XXXX XXXX XXXX XXXX XXXX never lived there. It's out of control. This has been going on for several years. I have police reports dating back to XXXX for accounts opened in XXXX. I have lived in 3 places the last XXXX XXXX. My ID that is attached address which is 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 that is not or was never my address. I have sent documents to all 3 credit bureaus dating back to XXXX and again in XXXX and XXXX. Nothing has happened. My life has been ruined because of Equifax. Not XXXX credit bureau had permission to put a XXXX freeze or fraud alert on my credit report this year. I had alerts on my credit when I learned my identity was stolen for a year while no one did a thing to help me. I am ready to hire an attorney. I am XXXX XXXX XXXX and a Victim. I have been treated as a criminal. I attached a copy of my driver 's license. The reason I have not received my XXXX XXXX  is because I have been married before and had to get marriage certificates which takes 8 weeks to get. I also was living in XXXX XXXX XXXX. Now that I am residing in XXXX  perfectly I am getting a new license. I am going to wait until i get remarried. I will be changing my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Problems obtaining loan modification, paperwork was always missing on their end. This occurred for 2 years before we had to finally file bankruptcy to avoid 2 foreclosure sales on our home. Countless faxing of information they said never was received. 
2. We've had a loan modification for almost 2 years now and have never received our payment book. 
3. We have never received our monthly or periodic statement the entire time. We were informed we had to sign paperwork to receive our statements. 
4. Our loan amount went from owing XXXX to a loan mod of nearly 750,000 due to lawyers fees, late charges, penalties and missed payments. 
5. Servicer refused to take payments from us when we became behind in mortgage in the year XX/XX/XXXX, thus adding the new owed amount. 
6. Servicer refuses to help us make late payments because we're in a bankruptcy. 
7. month and a half ago we asked for statement and they refused, we told them they wont get paid until we receive our statement, still haven't received a statement. 
8. Was told on XX/XX/XXXX they had our automatic stay lifted and was signed by a judge. we and our bankruptcy attorney have no knowledge of this and were never notified. 
9. Our servicer foreclosed on our home twice, never by our note holder. 
10. Payments have been misplaced for weeks by servicer or lost. We call 3-4 days a week and are told something different every time. 
11. I'm now on anxiety medication due to constant stress and fear of foreclosure. All we want is to save our home, servicer refuses to help. 
12. Just want to save home and figure out why we went from owing XXXX to over 700,000 because servicer refused to take our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: MoneyLion Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I applied for a loan mean to build my credit through MoneyLion. The loan they offer is called the MoneyLion Credit Builder Plus Loan. The entire purpose of the loan is to boosts a consumers credit score. I didnt event get the entire loan up front as part of the terms of the loan is that a portion of it will be held in a reserve and will not be spendable until the loan is paid off in full. During the entire term on this loan I did not see an increase in my credit score like they said it would do. towards the last few months of the loan term I had gotten a new debit card and had forgotten to update it for the MoneyLion loan. Once I realized this I immediately paid off the entire renaming balance with a part of my reserve they were withholding. This was 2-3 months after changing my debit card. I was never told the account was being wrote off, they state they wrote it off in XXXX but I paid the entire balance on this loan in XXXX. There were no messages in the app saying the account was closed, it still showed open. I had no idea as I didnt even get a letter or fair warning they were writing it off. They then put on my credit files that the loan was paid in full but listed as a written off account. They have done the exact opposite of what the loan was meant for. This loan was suppose to help me build my score as they advertised and promised and instead has caused a damaging impact to my credit score, and has made it extremely difficult for me to get accepted for any other financial products. Ive tried disputing this multiple times and they tell me they refuse to remove it from my file. This is the biggest scam and a complete lie of a loan program.

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 2022-04-29
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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 Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX BANK XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX : 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 Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} XXXX XXXX XXXX Balance {$280.00} Individual : Bankruptcy XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, 2012 TransUnion : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, let me be abundantly clear, Midland Credit Management , Inc . I am well-informed of Case NO : XXXX, where the Bureau of Consumer Financial Protection took action against Asset Acceptance Capital Corp. , Midland Funding , LLC. , Encore Capital Group, Inc., and Midland Credit Management , Inc . Your alleged remark that 'As it was a credit card, the terms and conditions ( cardholder agreement ) that creates the agreement between the parties ' is wholly unacceptable and misleading.

Under 8 ( a ) ( iv ) ( 1 ) in the case that is referenced above, Midland Credit Management , Inc. must comply with my demand. This is not a request ; it is a legal requirement. I demand to see my signature on the alleged cardholder agreement, and I will not allow MCM to make false or misleading statements about me, as this is a violation of 15 U.S. Code 1692E.

Furthermore, your threats towards me are unwarranted and will not be tolerated, as they constitute a direct violation of 15 U.S. Code 1692d. Your complete lack of transparency in response to my legitimate demands regarding the safeguarding and acquisition of my personal information is also a violation of 15 U.S. Code 6801.

Adding to the gravity of this matter is the fact that Midland Credit Management , Inc. has failed to substantiate any of its alleged claims. Ive entered into no business with your company and have no interest in doing business with your company, We have no agreement or arrangement. You have refused to show any contract, whether by terms or by signature showing any such alleged account as you claim, and if you base your claims under the principle of alleged account stated, you are basing it on hearsay, not showing the affidavits proving any such alleged account transactions. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights.

I demand that you close this account within your offices, cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a single XXXX from me, especially over a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: MD
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I'm including it again. 
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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: VA
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, this creditor XXXX XXXX XXXX XXXX XXXX  has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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