BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: QuickClick Loans of Illinois, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My roommate informed me that a processed stopped by to served me papers in which I am out of state going through XXXX. I took a medical leave of absence from work and its a 90 % possible chance I wont be going back due to my illness. The way they beat if the apt door was rude and distasteful. Brookwood loans never sent anything in the mail after I contacted them via phone and email. They wouldnt even update my address they were just plain out nasty. I will be filing a complaint with the State of Georgia about their rip off high interest rate fees. I have paid these paid over {$1300.00} and my balance has not moved I actually owe more than the original loan amount. I am focused on my XXXX instead of dealing with these dishonest people. My doctor told me to focus on my treatments and not to worry about them if I do he said I will end up sicker stressing out over a loan I cant control currently. I was paying the loan on time when I did have money. I had to pay out of pocket medical expenses and it left me with enough money barely to eat. I had multiple XXXX for XXXX XXXX and now under going XXXX. There is nothing I can do I am literally almost homeless. I had to have some move in a one bedroom apt with me so I wont be in the street. I am not sure if Im going to be here to or tomorrow. I have XXXX because of the XXXX and have to wear XXXX in order to walk. I am really having a rough time and these people just driving my roommate crazy beating in the door. I can only pay {$20.00} a month .I dont have a problem showing the judge my expenses for medication and treatment. asked my roommate to accept the papers being served and he refused because he stated he wants no parts. Im in a different state receiving XXXX treatments. Just please stop harassing my roommate by beating on the door. Is if possible for you all to email the papers youre trying to serve it may be pointless if the court date is in the next 60 days I be here getting XXXX roughly 3 months and still unsure if its going to work. I may XXXX in three ( 3 ) months who knows. I just pray everyday and thank God I am still breathing. I never tried not to pay or skip out life happens and mine was XXXX. You can see I care I paid on a loan for over a year with no issues. I cant control what life throws at me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Loan number XXXX Est. XXXX XXXX XXXX Co owner - XXXX XXXX Selling property at : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Closing was on XX/XX/2023 We had received a closing amount of {$930000.00} and suddenly at paper right before closing {$24000.00} was added to this amount raising the par-off amount to {$950000.00} When ask what was the additional amount for ( the amount was label recoverable amount ) no reply was given, and since we were days from losing lawyer let it be for time being. But now I like to know, and I know, I over paid. 
Lawyer has all of Bank documents, please contact as needed. 
I and lawyer have tried to reach PHH Mortgage and we have not being able to, even through email, no responses in any manner. 
My lawyer info. : XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Thank you, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-02
Company: Unifin Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed complaint XXXX In their response they materially lied that my phone number was not blocked at two of their contact points. 

Original text from the earlier complaint, " They have blocked my number from calling them at XXXX or XXXX XXXX as listed on their website so I can not ask a third supervisor. '' Original text from their response, " Further, Unifin has not blocked XXXX XXXX phone number from calling Unifin. Please contact us with any additional questions or concerns. Sincerely, Unifin , Inc. '' This is materially untrue. As of XX/XX/2023 I am still blocked from both numbers and unable to contact them for additional questions or concerns. 

When attempting to upload video evidence of the blocked calls the complaint form provided a XXXX error inside the upload file element. I'd provide a photo of that error but am equally unable to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NY
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

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 Capital One  # XXXX 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 consumer report without my written instructions 15 U.S.C 1681c ( A ) ( 5 ) 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 1681 s-2 ( A ) 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.

15 U.S.C 1681i 5 ( A ) ( i ) 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: IL
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$660.00}, {$0.00}, {$1600.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

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 2023-12-05
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was called by trinity hope association in XXXX NC and threatened if I didnt pay that it would go to the attorneys and that I will be sued. Also have no idea if this call was a scam or not. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE 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:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2023-08-28
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under USC 1681. 

I told the XXXX, Transunion, XXXX to reinvestigate these accounts ; Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX, XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Number : XXXX XXXX XXXX XXXX # XXXX Account Number : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX . However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to15 USC 1681i ( 5 ) they are suppose to be modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.to Also, they aren't even in compliance with metro 2 credit reporting. i have evidence to prove my case.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
My stundent loan balance is not {$170000.00}. Some of it was discharged recently and down to about {$100000.00}

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 2023-08-14
Company: EQUIFAX, 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 am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously submitted accounts of these matters in other reports to XXXX XXXX and XXXX XXXX among others. 

In the legal paperwork, the account was situated for the corporate fiction named, " XXXX XXXX XXXX '' who was the transmitting utility in the transaction. 

I, " XXXX XXXX XXXX '' in the proper person was not the transmitting utility during this transactions. 

US Bank records indicate that I was supposed to be the transmitting utility or party responsible for the transfer of title, etc during this transaction. 

Upon requests to validate that I, " XXXX XXXX XXXX '' the actual living soul owe the debt to US Bank, have not been validated. 

Fraudulent transactions further accompanied this transaction as I was not given ANY notification about the transmitting utility or how to properly utilize it during the transaction. 

SEC fraud occurred accordingly and was overlooked by CFPB, as well as court officials and HUD representatives who completed maneuvers of title transfer when there was never anything originally validated or anything able to be furnished regarding the transaction because they were not the rightful owners of the property. 

All resolution and recompense should provide relief for the natural person as emotional duress and forced foreclosure occurred due to coercive and duress oriented tactics. 

I can provide verification that I and the transmitting utility are separate entities with documents that have been recorded in the state records.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

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 2023-08-14
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:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
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:
I have recently been a victim of identity theft due to a data breach. During this identity theft two accounts where opened under my personal information on which do not belong to me. The following accounts are a result of that Identity theft and do not belong to me in no shape or form. Please block this account asap. Thank you -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
I am am natural person, I am a living human being, I have rights under 15 usc 1681 equifax is govern by 15 usc 1681. and they violated my rights many times I demand the accounts listed below be removed. 

according to 15 usc 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts see account below XXXX  XXXX XXXX XXXX -Inquiry date XXXX XXXX, XXXX  XXXX  XXXX XXXX  XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with explanation