BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Please validate this information with XXXX XXXX  and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, convergant account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. If you have any questions I can be reached at

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 2018-12-13
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I filed a dispute for {$270.00} on my prepaid card in XXXX they returned my money in XXXX and now the money is deducted again. I called American Express and they said dispute in favor of the merchant. My SS check will be deposited on XX/XX/XXXX I do not have money to pay my bills. I did not make this charge I tried to file another dispute they would not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Maximus Education, LLC dba Aidvantage
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 have contacted XXXX, XXXX and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls. Ive attempted to settle with no resolution to remove from 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 2023-01-07
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have an outstanding balance of {$5900.00} with Rocket Mortgage despite having assistance from the Homeowners Assistance Fund. The majority of the balance is due to attorney fees imposed by Rocket Mortgage because HAF was late in making the payments to Rocket Mortgage. Please help me in any way that is possible. Thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that Credit Collection Services at XXXX XXXX XXXX, XXXX, MA XXXX XXXX exercises their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation.

You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt.

Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below.

Defamation of character Negligent Enablement of Identity Fraud Damaged credit worthiness Damaged mode of living Infringed on right to privacy Fair Debt Collections Practices Act 15 USC 1692g violationsFair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] cc : FTC cc : State Attorney General cc : CFPB cc : CFPB SUPREME COURT cc : Lafayette County Circuit Judicial District Court cXXXX : Attorney : XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions 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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I do not have access to the documents related to these accounts.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 
XXXX, 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 2020-04-02
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX  XXXX XXXX XXXX, through XXXX, the loan servicer is Bridgecrest out of XXXX Arizona. 
Basically, they are takign my money and principal reduction payments and applying them toward interest. I have called many times and written in, still they are not applying my principal reduction payments toward principal. 
so, every month i pay XXXX for the car and XXXX toward principal reduction, so i pay {$600.00} total. they keep only processing it as a regular payment. 
Additionally, to PROVE this, i wrote a check with " To be applied to principal reduction ONLY '' on the check, along with a letter explaining the issue and that it should XXXX applied TO PRINCIPAL ONLY ( letter below ) They took this, and also applied it toward interest! 
This company is SCAMMING people on a large scale!! 
I HAVE PAID {$1600.00} this month on a XXXX car payment, and they have me PAST DUE FOR {$29.00}!! 
**I have the check to prove it, the letter i wrote, AND a recorded phone call with bridgecrest showing their tactics ( the go silent on the phone when you call in after making you hold for 30 minutes, then they wont speak, and wait for you to hang up!! ) its deplorable! 
PLEASE stop this company from scamming good people trying to pay off their car! 



MY LETTER THAT WAS ENCLOSED WITH MY CHECK TO BRIDGECREST IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I ran into hard times and went thru a loan modification in XX/XX/XXXX. I had missed a total of 18payments having made some in between it wasnt all in a row. My original mortgage amount was {$190000.00} they were supposed to take my past due payments and put them in a separate account with a 0 % interest and wave all late charges and any other fees is what I was told and agreed to. I have never missed or been late on any payment since the modification. Now currently during XX/XX/XXXX I was trying to buy a new home after selling mine to pay off bank of America and now have a second mortgage of {$57000.00} to add into the {$130000.00} principal balance which would total {$190000.00} meaning in 5yrs of paying an average of {$1000.00} a month ( {$60000.00} ) my mortgage has not changed at all. And my house isn't even worth what I owe making me have to cancel my contract and take my home off the market. I feel like I was scammed on this modification and that this needs to be negotiated and settled. I have owned my home for 11yrs with the purchase price of {$180000.00} and now somehow owe {$190000.00}. I honestly feel like the second mortgage is bogus and needs to be taken off as after 11yrs I should have seen a very noticeable drop on my principal balance.

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 2023-04-22
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} Consider this as a follow-up to my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company MIDLAND CRED  XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are MIDLAND CREDIT MANAGEMENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CapitalOne froze, and then closed my credit accounts ending in XXXX and XXXX. When I called CapitalOne customer service, I was informed that the reason for these closures is multiple returned payments. I was never sent anything in writing indicating that my cards were in danger of being closed. The reason for the closure ( multiple returned payments ) doesnt even apply to the account ending in XXXX, and yet it was closed anyway. 

CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX - RETURNED CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX  - RETURNED CAPITAL ONE MOBILE PYMTXXXX XXXX - XXXX  As you can see above, I paid the account ending in XXXX 14 times during the month of XXXX. ( Before the account was frozen. ) The payments on XX/XX/XXXX and XX/XX/XXXX came from a balance in my checking account that Capital One erroneously made available for transfer. As soon as I became aware of this error, I made a further payment to more than cover the returned payments. I also continued to have auto payment scheduled. 

CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE AUTOPAY PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX  As you can see above, I paid the account for the account ending in XXXX three times this month. There were no returned payments on this account. 

I would like this reversed. I have paid off the full balances on both cards, and attempted to solve this with CapitalOne multiple times, but keep being told that there is nothing that can be done. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian on XX/XX/XXXX regarding student loan company XXXX/XXXX falsely reporting payments being made to them. The last payment made to XXXX/XXXX for was in XX/XX/XXXX as documented on their website ( See attached ) however every time they sell the loan to a new collection agency they are then reporting to Experian that I have made a payment. They have reported I made payments in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ( see attached ). I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was in XX/XX/XXXX that would make my date of first delinquency XX/XX/XXXX which means we are now at the 7 year statute of limitations in which this should be removed from my credit report. Experian completed their investigation on XX/XX/XXXX and indicated that they would not be removing this from my report until XX/XX/XXXX. Furthermore, Experian has allowed this loan to be reported a second time on my credit report under XXXX but the same account number see attached ).

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 2023-01-07
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage payments were {$1500.00}, in XXXX 's bill it showed that the new payments would be {$2800.00} is including a {$1400.00} escrow amount. In the month of XXXX, I called the mortgage company and asked why my payments went up so high, representative indicated that property taxes and homeowners ' insurance had gone up and recommended I call the county to confirm the amount. In the beginning of XXXX, I went to the county to confirm that the amount for XXXX is {$5600.00} this would make my payments {$460.00} a month added to the escrow. The homeowner 's insurance is {$2300.00} for the year making my monthly payments of {$190.00} added to the escrow for a total of {$660.00}. My principal amount is {$710.00}, and my interest is {$650.00} so my mortgage payments should be {$2000.00}. I then contacted mortgage company to find out why they were demanding {$40000.00} now, and why are they adding an additional {$8900.00}, adding an additional {$710.00} to my mortgage payment. The representative was able to confirm the charges but wasn't able to provide me the source of the charge, he had me on hold for a while and did say that this were charges that came from corporate, and they wanted their money back. He also said that this was based on something they paid back in XX/XX/XXXX, however he was unable to give me a clear answer, as to what was paid why is it my responsibility to pay. I explained to him that I have no documentation that makes me and wife responsible for the fees, I requested an italicized bill and I also had sent several emails requesting to have my escrow reviewed because the amount was not adding up.

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