BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with XXXX XXXX XXXX XXXX. My online banking was hacked XXXX. I received a text message from a hacker pretending to be my bank stating that my account was locked and that I need to log into my account to unlock it. I did log into my account and then I called my bank to let them know what was going on. My bank stated that my account was fine and my account was not locked. At this time, I was unware that this text message was actually fraud. The following day XX/XX/XXXX, I received a email from XXXX XXXX XXXX XXXX stating that {$2200.00} was taken out of my checking account and moved via 'external transfer ' to an account for XXXX XXXX XXXX I have never heard of XXXX or have any relationship at all to that bank. I had to wait until XXXX XXXX to hear from XXXX XXXX XXXX XXXX becuase of the XXXX XXXX XXXX I called XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX fraud department basically told me that there was nothing they could do to get my {$2200.00} back and the only thing they could do was change my account number so that the hacker no longer has access to it. I filed a police report for the fraud activity and I also got contact with XXXX who let me know that the account number that my money was sent to was actually for a bank by the name of MoneyLion. I contacted MoneyLion bank on XX/XX/XXXX and they stated that the money that was stolen from me was no longer in that account and they had no way of getting my money back to me. MoneyLion did close that fraud account and sent a email to me confiming this. I still have no way of getting my {$2200.00} back and do not any other steps to take so I am praying that you can help me.

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 2022-10-09
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Paypal Holdings, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on the date XX/XX/22, I had a credit score inquiry without being done to me by XXXX/PAYPAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i sent Jefferson Capital systems a VALIDATION of debt request, requesting certain documentation that can prove the debt is valid and that the debt belongs to me. Jefferson capital  then sent me a fraudulent bill. I asked for a signed contract note, and other documents be sent to me which should be easily found and provided if this debt is valid. Verifying my name and address is NOT validation of debt. Jefferson Capital MUST under the FCRA provide me with all of the documents i requested under the FCRA and the fair debt collection practices, but as of yet has not. Please see the document attached ( 2 ) as i sent them a validation request and a second notice to let them know that the requested documents have still not been received. The attached notification were sent certified mail and verified received. The solution to this issue from Jefferson Capital is that it cease and desist all collection efforts and that the alleged debt be removed from all 3 credit files within 30 days of this complaint. If Jefferson Capital refuses this resolution it MUST provide the following : The agreement with your client which legally grants Jefferson Capital the authority to collect this alleged debt. 

The signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open. 

No other resolution will be acceptable in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to Midland Funding on several occasion asking if previous payments made would go towards this credit card debt. The answer was no. The payoff balance was XXXX in 2020. I partner with a credit company called XXXX that would help me by pulling funds from my checking account to make payments of XXXX dollars bi weekly to finish paying off my debt owed to Midland Funding. I got a new job during the pandemic and started paying Midland funding through my new checking account. Within the XXXX week gap. Midland Funding sent documents of garnishment to my job to take half of my wages. Thankfully I had proof I had sent a check to them based on our agreement with XXXX. It seems my check was lost in the mail. I have proof that this company is trying to over collect on a debt that has been paid twice. I have documents proving I have paid them over XXXX in the last past 2 years. 

I would like the company to remove the garnishment from the local courts and remove this collection from all XXXX credit bureaus within 30 days or cut a check to me for XXXX they are saying I still owe to the courts. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Medical Data Systems, 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:
MEDICAL DATA SYSTEMS I Original creditor : XXXX XXXX XXXX HOSPITAL {$6400.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2023-01-11
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The mortgage company reported my loan 30 days late after they had agreed to move XXXX payments to the back of the loan. I feel proper expectations were not set. Had I been advise that this would of happen, I would have made the payment and requested to have a later payment moved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Avant Credit Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX Avant LLC took a payment {$210.00} via debt card for {$110.00} payment On XX/XX/XXXX Avant LLC refused to take a payment for {$170.00} for a payment installment of {$75.00} due to a company policy, which did the last month. The company try to force me the consumer to make EFT for amount over the installment payment, which believe is violation of Electronic Fund Transfer Act. I report it to the Federal Trade Commission for Avant LLC is continuing to violation the Electronic Fund Transfer Act. On XXXX XX/XX/XXXX, Avant agreed to pay {$3.00} XXXX to settle charges of the Federal Trade Commission. According to the FTCs lawsuit, the company engaged in deceptive loan servicing practices and violated the Telemarketing Sales Rule and the Electronic Fund Transfer Act. Note the on issues that Avant LLC pay XXXX XXXX to settle with Federal Trade Commission was violated Electronic Fund Transfer Act. I believe Avant LLC again violation EFT act with me on XX/XX/XXXX with me try force EFT for overpayment amount. On XX/XX/XXXX I call Avant LLC to talk to supervisor when got the supervisor Avant again refuse the over payment of {$170.00} for a overpayment to the account. However, state company policy not allow debt or credit card purchases over installment which did try force a second attempt to make overpayment of installment payment by EFT only. However, the company did allow the normal payment which is over {$75.00} by allow XXXX on XX/XX/XXXX. Again force the consumers to make installment payment by EFT. I make the payment they allow note report again even though the allow overpayment in XXXX include a overpayment in XX/XX/XXXX. Now I believe Avant LLC is try to fraudulent force extra interest on installment loan on last three payment and Violation of EFT by force overpayment to be EFT payment only. They never did this before in history may installment loan. I Will be report each Act this EFT act violation and attemp to comment fraudulent attemp to gain extra interest on a installment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per lease agreement we were out by XX/XX/2019 but statement says moved XX/XX/2019. We never received anything 14 days after koving out of apartment showing us damage, pictures, anything because there was none. They kept our deposit which was fine we thought to clean and repaint and the little things. Now we are receiving collections from Columbia Debt Recovery stating we owe almost XXXX it was about XXXX but in my dispute with them they removed interest bc they found it charged incorrectly. If interest was incorrect wouldn't charges be because we were never late. I disputed that charges are fraudulent trying to come after us 3 years later after XXXX the manager did them all dirty and left them with a mess. She told us we would not be charged except cleaning and took a co p y of our keys and we initialed when moved out that is all. Now 3 years later here is rent charges and damages etc. Columbia Debt told me too bad that XXXX validated with a statement of charges showing no date of the statement which should have been within 14 days of move-out but document has no date ( weird right ) usually statement shoes date created or printed. It shows I had a credit XX/XX/2019 of XXXX and all these charges and subtract my deposit and boom I owe now almost XXXX with no interest because interest was incorrectly billed. Then they show me a document which I had never seen or signed that I stated we were moving out XX/XX/2019 signed by XXXX on XX/XX/2019. That document is forged and I did not and I repeat did not use a form like that or give them any form like that. We wrote them a letter and hand delivered that to XXXX in XXXX. This is crazy and I have read other reviews and from people who have sued them how they have forged names and created documents that tenants never signed or seen themselves. I have a family we was moving from an apartment to a house and now 3 years later all this supposedly happened. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-04-05
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: Account information incorrect

Complaint:
There's a factual inaccuracy on my credit report showing a balance of {$12000.00} but this debt has already been sold so it should be presented as a zero balance since the debt has been sold and off their income sheet. 

Furthermore, they are presenting false Account Number as # XXXX this direct violation of Section 609 ( a ) ( 1 ) : Information to be disclosed : Advisory Opinion to Darcy ( 06-30-00 ) stating : " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. '' They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

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 2023-08-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I was given a deferment during covid. I ended up paying it off and then was offered a forebearance. I did not need it so I did not accept it. They processed it anyway and took out more credit on my already maxed out HELOC and then said I owed them this additional money that I never used or approved of. I was never able to speak to anyone about this issue despite me calling at least 100 times over the past 3 years. No one can explain what happened but they are still charging me for this " deferred interest '' along with multiple other charges that no one can explain to me. I got behind on my payments again and because they were reporting me as being late to the credit bureau, I was not able to take a loan out to catch up on my payments. They claim that payments that are in dispute are not owed until the dispute is finalizes but then I get served with foreclosure papers unless I pay {$8700.00} which includes the deferred interest along with my payments that I fell behind on plus their lawyer fees for the foreclosure. I ended up curing the delinquency and now they refuse to provide me with any written confirmation that my house is no longer in foreclosure or that my delinquency has been paid. All I have is my receipt from the branch of payment which is not sufficient because I keep getting harassed by people wanting to buy my house or save it from foreclosure.

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 2021-01-06
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wanted to pay off my loan, so I mailed a check for an amount which included the monthly payment and slightly more than the principal balance. I indicated that I wanted the excess {$9500.00} to pay off my loan. The check was cashed on XX/XX/XXXX. 
I received my next payment coupon and it showed the {$9500.00} had been put into a suspense account and would be used to make future monthly payments. 
I immediately called on XX/XX/XXXX and I was told the following. The money in the suspense account would be returned to my checking account within 9 business days. I have to wire the final payoff. I asked for the payoff amount and wire instructions and was told they need to be mailed to me, and I should have it in 4 business days. 
It is now the 10th business day and I have not received payoff instructions, nor has my {$9500.00} been returned to me. 
I want my money applied to the principal or returned immediately. I want the payoff amount and wire instructions immediately, not in the mail.

Company response to consumer: Closed with explanation