BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-06-15
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Exeter finance is not registered to do buisness in Florida. They are based out of Texas and also they are a third party company that did not get my consent to assign my debt over. Also the contract is void because I shouldnt even be in buisness with a company that is not registered to do buisness in Florida in which Florida is were I purchased the car at XXXX XXXX XXXX XXXX XXXX. They also refused to send me the original copy which we know is signed in ink not electronically. This contract that I supposedly am in with these two companies was very deceptive as well as fraud and I have all violation marked and invoiced ready to serve. 
Also the credit bureaus are inaccurate as well with the info they have up. Which I know is XXXX $ a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NY
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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, My husband and I have recently contacted our lender/mortgage company ( 21st Mortgage ) regarding a request to change our mobile/manufactured home from personal property to real property. According to the Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all we need to do so is to fill out a Statement of Ownership with all needed information and mail it to them. Part of the information that they require for this application is written consent from the lienholder ( 21st Mortgage ). I have contacted them numerous times today, XX/XX/XXXX, and spoken with a variety of individuals- most recently XXXX, XXXX ( XXXX being the supervisor ) - all of who claim their company refuses to send the needed written consent, as doing so would lessen their stakehold on the loan. They are stating that we must refinance our loan with them in order to receive written consent for the request. 

I spoke with XXXX on XX/XX/XXXX at approximately XXXXXXXX and spoke with XXXX XXXX XX/XX/XXXX at XXXX. I asked to speak with their customer service department to file a complaint. They placed me on hold for over 20 minutes, someone picked up the phone and then hung up. 

When we purchased the mobile home, we moved it to family land and had permission to do so. We now OWN said land, free and clear, and would like to convert the property from personal property to real property IE : attach the home and land together. This will allow us to file a Homestead exemption and save money on taxes as well as open the opportunity to sell the home and land down the road should we choose to do so. Unfortunately, 21st Mortgage is refusing to assist us in any way- the refinance would cost us money that we simply do not have at this point and without the conversion from personal property to real property, we are continuing to pay more in real estate taxes. 

21st Mortgage XXXX XXXX XXXX XXXX, TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Bread Financial Holdings, Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/ sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent a debt validation letter in XX/XX/2023 I'm going to attach the first page and then they sent me a bill I attached the first page of the letter I sent it certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 found out 2 years ago when I received my annual credit report that I was a victim of identity theft. Someone from XXXX, Florida used my name and SSN to open a credit card Account from XXXX  XXXX which was subsequently transferred to Midland funding. I have attempted to resolve this issue with Midland Funding with no success. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ACCT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I notice over the pass couple months inquiries n unknown addressses listed on credit that I dnt know if I made several complaints to the agency I submitted letters n I called n nothing as being done in my favor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-08
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Experian Information Solutions 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:
Experian is falsely stating that they have verified a bankruptcy # XXXX with the furnisher who is a third party company. I have disputed this account with Experian on XXXX, XXXX, XXXX, and XXXX of 2021. They asked me to dispute the information with the furnisher in XXXX of 2021 and I then provided proof which I have provided to them several times and yet they still state they have verified the information despite having the documentation provided from XXXX that this account was deleted because they could not verify the accuracy of the account. I have also contacted the clerk of courts on XX/XX/2021 and they also verified that they do not verify any personal records for any individuals or sources and that they do not have control over misuse and misrepresentation that is being reported in error by third parties. I am asking Experian to please provide documentation of this account that they are erroneous and falsely reporting. I asked that they investigate this account accurately and fairly and to provide supporting documentation. How can Experian take advantage of a consumer by not providing the requested documents to verify the accuracy of this account. Experian is clearly breaking the law. Per the Fair Credit Reporting Act the account must be thoroughly investigated and documentation must be provided. Per the FCRA it is Experian duty to update and correct information and to provide valid documentation of the disputed account. It is against the law to report third party information without truly verifying the source for accuracy. It is detrimental to the consumer to have this inaccurate account reported and is very timely.

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 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Lakeview Loan Servicing LLC ( XXXX ) had a security breach in XXXX, 2023 that resulted in all systems being shut down. 

Upon calling the company to update payment information, I was told that all we can do is log your call. 

Then systems went online again around XX/XX/2023. On XX/XX/2023, I attempted to update my bank account information again. 

The online payment service will not allow me to use XXXX XXXX  ( Routing # = XXXX ). This is highly inconvenient because this bank works with XXXX, a property management software. 

XXXX setup a payment method via XXXX Bank, and I attempted to make a payment, only to be told that something went wrong. Please try again later. 

I then tried again later and got the same message. 

I attempted to call Lakeview during business hours, but no matter what extension I used, Lakeview stated that its [ employees were not available ]. 

I tried to make payment through the telephone payment service ( Using Thread Bank Account ), but this payment attempt failed. 

I am being forced to default on a mortgage payment because this Loan Servicer cant get their act together. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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:
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. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
ON XX/XX/21 I CONTACTED XXXX AND TRANSUNION IN REGARDS TO INQUIRIES THAT WAS ON MY CREDIT REPORT. ON XX/XX/21 I SUBMITTED MY POLICE REPORT AND ON XX/XX/21 I SUBMITTED MY FTC REPORT. THE FTC REPORT ONLY ALLOWS YOU TO PUT 3 INQUIRIES IN THE APPROPRIATE SECTION ON THE FTC REPORT, ANY MORE WOULD HAVE TO BE ADDED IN THE PERSONAL STATEMENT SECTIONS. I'VE CALLED THE FTC AND VERIFIED THAT THEIR HAVE BEEN CHANGES MADE AND YOU CAN'T ADD 50 INQUIRES TO ONE FTC REPORT. THE SUPERVISORS WAS VERY RUDE AND ARGUED ME UP AND DOWN THAT I WAS BASICALLY LYING. I NEED THESE THINGS OFF MY CREDIT REPORT I'VE BEEN GOING BACK AND FORTH WITH THEM FOR OVER A MONTH NOW AND I'M VERY FUSTRATED AT THIS POINT.

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 2020-08-13
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
1 ) The phone number given was never provided to either the Credit Card company and certainly not the collection agency and therefore should not be used. 

2 ) They have called at all times of the night including at XXXX and XXXX in my timezone ( I am not in the USA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Virtual Assets, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am writing to file an official complaint against the website www.cryptodispenser.com for engaging in fraudulent activities and failing to provide any form of customer support. It has come to my attention that this website has scammed not only myself but also numerous other individuals out of their hard-earned money. Despite multiple attempts to contact their support staff, I have received no response via phone or email. 

On [ XXXX ], I deposited {$30.00} at a XXXX location , as instructed by www.cryptodispenser.com. I have attached a copy of the receipt as proof of my transaction. However, upon attempting to withdraw or send the funds, every transaction has resulted in a " failed '' status. This clearly indicates that www.cryptodispenser.com is operating dishonestly and intentionally deceiving its users. 

The lack of any available support staff is deeply concerning. The provided phone number never answers calls, and emails sent to their designated email address have gone unanswered. This complete absence of customer service demonstrates a blatant disregard for the concerns and issues faced by their users. 

I would like to emphasize that www.cryptodispenser.com is undoubtedly a fake and fraudulent platform. Their actions have caused financial loss and emotional distress to myself and countless others who have fallen victim to their scam. It is imperative that immediate action be taken against this website to prevent further harm to unsuspecting individuals. 

I kindly request that the you thoroughly investigates this matter and takes appropriate measures against www.cryptodispenser.com. It is crucial that they are held accountable for their fraudulent activities and compelled to refund the money they have unlawfully obtained from innocent individuals. 

Thank you for your attention to this matter. I trust that you will take swift action to address this issue and protect consumers from falling victim to www.cryptodispenser.com 's scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/2023 I went to XXXX XXXX at XXXX XXXX. They offered an store credit card and filled out an form. I bought {$50.00} in items. I never received an physical card. 
On XXXX, I received the payment statement per {$30.00}. I went to XXXX and I tried to pay that amount, but I couldn't make a payment because XXXX just receive cash, they don't accept debit o credit card. I just had {$25.00} in cash and payed off. Later in XXXX I paid {$25.00}, so I paid in full my own. 
In XX/XX/2023 I received an statement from XXXX in which I have to pay {$37.00} late fees, because I paid {$25.00} but not {$30.00}. Later, I received an statement per {$71.00}. I canceled this store credit card I called XXXX customer service, but they said me, they can't help me because I canceled that store credit card. However, I have to pay the total of {$71.00}, or the next balance will be charged and growing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 4 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 IMMEDIATELY! 

XXXX XXXX XXXXXXXX Police and Fire FCU # XXXX XXXX XXXX # XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - 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 am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation