BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX CREDIT COUNSEL INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COUNSEL INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance - XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
IRS canceled total amount of debt in XX/XX/2023. XXXX did not provide accounting ledgers.

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 2023-11-24
Company: EQUIFAX, INC.
State: VA
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:
Seriously, it's been XXXX since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Atlanticus Services Corporation
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fortiva credit card reported to the the credit Burals. ( CREDITREPORT ) That my credit card was 30 days over due.thats false! My payments are Due XXXX Of every XXXX. IN XXXX I paid on XX/XX/XXXX XXXX which is earlier then due date. Then This month XX/XX/XXXX XXXX I did as usual made a XXXX $ payment online. ( I have screen shot of payment ) I made two attempts the 2nd try error message said to call and I did waiting for 2 hrs no one helped! Today I made a successful payment.10 days from the XXXX and 18days from the glitch.Than I received notification from XXXX that fortiva reported 30days past due of my payment.! this is false .. My Credit Score Went Down XXXX points. I'm in the middle of buy my frist house and this a very negative thing for me Please help me ..Fortiva Monthly Yearly interest are beyondeven when having a great credit score they cant keep doingthis to people. Please help this account has never been 30days over due and always been in good standing. Fortiva is One of the finance company 's XXXX 's XXXX Uses. I HAVE EVIDENCE OF EVERY payment and every situation I have had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After being told by Rocket Mortgage 's " Customer Support '' that NO ONE who worked for the company could make an exception to their policy about re-clearing a returned debit I spoke with their Account Resolution folks. I was placed into a short term modification during which I would pay the past due amount over that time period by making larger payments. I asked numerous questions about the modification since it did not contain a lot of details. One of the questions I asked was about bringing my loan current this month, XX/XX/2023. I was reassured that I could pay the XXXX payment that had been returned for NSF twice this month. When I tried to pay the XXXX payment I was unable to do so. I then sent 2 separate email messages to XXXX After sending the first email I then tried to call two separate numbers identified as Rocket Mortgage numbers. After calling the first number I was advised via their XXXX that no one could take my call and that I could not leave a message. No explanation was given. I then tried calling a number identified as being for the Account Resolution staff. I spent some time navigating the XXXX only to ultimately get the same message. 

I logged into their webpage again and found the following message posted : " Our call center is currently experiencing issues and we are unable to accept calls. All self-service experiences on web, mobile, or automated phone system are functioning as expected. '' Each time I've tried to make the payment online I receive the following message on their website : " We're unable to schedule, edit or delete your payments at this time. Please call ( XXXX ) XXXX to speak to a specialist. Our hours are Monday - Friday XXXX a.m. - XXXX XXXX  ET and Saturday XXXXXXXX XXXX - XXXXXXXX XXXX ET. '' I suspect you can guess the level of frustration I am experiencing. XXXX makes it virtually impossible to reach any member of their corporate offices rendering them utterly unreachable for all practical purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to file this complaint with CAPITAL ONE. I sent them letters regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. 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 instruction. 
I have also attached the FTC report with the report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
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: Information belongs to someone else

Complaint:
This is my repeated request that I have been the victim of XXXX XXXX and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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 XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : XXXX ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: DE
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
: XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$410.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$6800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: Lakeside Receivables LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've had this company hound and harrass me for the past year, after repeated attempts to tell them I do not know who the person is they are looking for.I have asked them several times to take me off there call list to no avail.They start out first calling my home phone number, then they proceed to call my cell phone and then also call my wifes cell phone.This company is the worst, the people that work there dont understand what it is when someone asks to be removed from there call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX has yet to properly investigate and provide proof that these accounts are correct and valid as mine. They have not provided any contract signed by me stating my ownership of these accounts. I request that they are removed immediately and I will not stop until they are removed. 
XXXX XXXX Chargeoff XXXX balance XXXX XXXX Chargeoff XXXX balance XXXX- Chargeoff {$370.00} balance. I have never done business with this company. 
XXXX XXXX Chargeoff- {$350.00} balance. I have never done busienss with this company XXXX Chargeoff- XXXX balance {$2100.00}. balance has changed so many times. Which one is it? Verify or remove this from my report XXXX XXXX {$2600.00} balance. Never had an account with XXXX. Please remove this XXXX and XXXX. {$300.00} collection. I have never done business with XXXX. Please provide a contract signed by me or remove this from my report.

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 2023-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2023 Portfolio recovery reports I owe them XXXX dollars, I have never signed any documents with or for Portfolio recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Flagstar Bank sold my mortgage to XXXX in XX/XX/. At that time they kept my escrow overage and then told XXXX that I owed more escrow, starting me in the red with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went today to a PNC branch and they told me my account was closed. I asked them last week to addition my husband in the account. They didnt provided any explanation why they closed my account. They said I will receive a letter in 10 days with a check. I need to pay bills right now, not in 10 or more days. So this is causing me a lot of troubles and inconviniences not to mention to losing my time and patience. I need an explanation and my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX acct : # 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 : State 's a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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:
I acquired my consumer report and asked the consumer reporting agency to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and noticed everything is still the same. The consumer reporting agency which is Equifax did not remove the account. 

A complaint was filed with the XXXX XXXX XXXX XXXX XXXX XXXX about XXXX XXXX XXXX XXXX reporting on my consumer report inaccurately and the company responded by stating a request will be sent to the consumer reporting agencies to remove their account from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX and XXXX have removed the account from my consumer report however Equifax has not. Equifax is still reporting the following account on my consumer report. 

Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is a violation of my consumer rights. This inaccuracy is impacting me from buying a home for my family, and having the ability to provide a moderate living for my family. 

Attached is a copy of the XXXX  complaint with the response received from XXXX XXXX XXXX XXXX to show how Equifax is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have attempted to file a dispute. The company is a bunch of unprofessional clowns on the phone. They sent my dispute forms to the wrong address. I have been unable to reach the dispute department and left three different messages fir them to call me back which they have not. I began to tell my story to an agent from that department today, after holding for 30 minutes and she immediately hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car from XXXX  on a monthly subscription. 

As per the terms I was able to cancel the monthly subscription at anytime by returning the car before the new 30 days started ( see attached ) I started the rental the XX/XX/2022 ( see attached ) and the car war returned XX/XX/2022 ( see attached ). 

After returning the vehicle. XXXX CHARGED ME FOR AN EXTRA MONTH on XX/XX/XXXX after the vehicle was returned. 

I disputed the Charge with Amex for the {$1500.00} charged on XX/XX/XXXX Dispute reference number is XXXX I'm my dispute a clearly provided evidence that I had the right to cancel the upcoming month charge by returning the vehicle before every 30 days. 
I provided evidence that the rental started on XX/XX/XXXX. And returned XX/XX/XXXX XXXX charged me for an extra month even though the car was returned saying I did not return it on time. It's clearly false black and white. Everything I backed up with clear documents I provided a doc that states the cancelation policy. I provided a doc that stated when I the rental started. I provided a doc of return confirmation. This is black and white if only someone in the dispute department will be willing to look on it. Not just assign blind codes The merchant was only able to provide a invoice that states i was charged the for XX/XX/XXXX day. In no way did they answer up to my claim that the car was returned on the XXXX which shows on that same statement that they themselves provided to Amex! 

Amex is not investigating anything. As long as the merchant responds no looks even on the document they provided. If they respond they win.

Company response to consumer: Closed with monetary relief