BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

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 2023-10-05
Company: EQUIFAX, INC.
State: FL
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:
I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. This fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. DEPTEDXX/XX/XXXXXX/XX/XXXX ACCOUNTS XXXX andXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI has reported a debt on my credit reports in the amount of {$720.00}. This debt has been disputed and was NOT Validated as my debt. AFNI also is NOT able to collect a debt in the State of Florida. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: MEMBER MORTGAGE SERVICES
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Member Mortgage Services serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XXXX of XXXX of XXXX of XXXX. The mortgage loan has been recorded in the XXXX System with the mortgage identification number of XXXX. 
Since we did not have any legal business relation with this bank I need to know the following information : 1. Was Member Mortgage Services licensed as a mortgage loan servicer in Texas in XXXX? 
2. Who was the borrower of the fraudulent mortgage loan?

3. When was the mortgage note executed?

4. When was the mortgage loan account opened and when was it closed?

5. Who is the lender of the fraudulent mortgage loan?

6. Has there been a deed of trust executed in XXXX County or anywhere else for this mortgage loan? 
7. What was the loan amount of this fraudulent mortgage loan? 
8. What type of mortgage loan was it ( FHA, VA, Conventional etc? ) https : //www.membermortgage.com XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , MI XXXX Since this was a fraudulent loan and was issued against our property, I believe we have the right to know all these information with evidences for any claim against the fraudulent lender for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Prosper Marketplace, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have received several calls from Prosper before XXXX XXXX in their attempt to collect a debt. I spoke to them about calling me before XXXX XXXX  and they said that they would address it, but they continue to call before XXXX XXXX, ( see screenshots of their calls attached ). 
I also requested to take advantage of the hardship settlement program and the lady who was helping me got all the way to the end of the process and then the call was disconnected. Ever since then, they continue to call and when I answer, no one is there. 
They called me three times today once before XXXX XXXX, the XXXX times that I did answer their calls today, no one was on the line. This is harassment, to keep calling my number and then not have anyone on the line.

The one call that you see the screenshot of that lasted 25 minutes was when I told them that they had been calling me outside of acceptable times and that was also call when they attempted to set me up on the hardship settlement program.

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 2023-07-07
Company: Experian Information Solutions 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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update this account immediately.

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 2020-10-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My purse was stolen which had my credit cards, license, social security number, birth certificate, cash, and cellphone. My debit card was then used at XXXX for a {$260.00} transaction that I reported to Wells Fargo. They denied my claim. I have tried to call and email to resolve this claim but they are not listening. All Im asking is the {$260.00} be credited back into my account. All of my personal information was stolen and when the people who used my card replied via text that it was me making the transaction it was not. I have filed a police report and requested a new S.S card and drivers license.

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 2020-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT FROM A THREE YEAR ORDEAL! At the end of the complaint, I am swearing that this complaint is truth. I will use care how I word this letter to prevent any misunderstanding. 
The Capital One credit cards were mine. The credit cards were stolen. There were unauthorized purchases and unauthorized payments that Capital One allowed so the credit limit could be exceeded. I have previously sent a XX/XX/2017 sheriff 's report and FTC identity theft reports. I will notarize this complaint if required. I do not understand and I have not received an explanation why Capital One refuses to acknowledge my repeated claim of card theft and identity theft. 
Cards were stolen first of XX/XX/2017 with all unauthorized charges. 
At the end of XXXX and first of XX/XX/2017, the thief made bogus payments of {$2200.00} & {$3300.00} on card ending in XXXX and both were insufficient. I have repeatedly asked for the information of these payments ; name of person, name of bank, date, time, IP address, mobile or web, and explanation of charges. I have been repeatedly denied. The following month, the thief made another bogus payment of {$4800.00}. The payments allowed the thief to continue using the card. Capital One allowed this instead of waiting for payments to clear the bank. 
At the end of XXXX and first of XX/XX/2017, the thief also made bogus payments of {$2100.00} & {$3100.00} on card ending in XXXX and both were insufficient. Why odd amounts? I have repeatedly asked for the information of these payments ; name of person, name of bank, date, time, IP address, mobile or web. I have been repeatedly denied. The following month, the thief made more bogus payments of {$99.00}, {$190.00}, {$99.00}, and {$4500.00} and all were insufficient. The payments allowed the thief to continue using the card. Capital One allowed this instead of waiting for payments to clear the bank. 
Capital One needs to research the charges and will realize the theft. Payments were made to XXXX XXXX XXXX XXXX. Please send name of the person who was on probation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : Five years ago I purchased a home with my husband and initially started with XXXX XXXX. Four years ago our loan was transferred over to Loan Care and there began our problems! We have never been late with our payment but Loan care has mismanaged our escrow account, allowed our homeowners ' insurance to cancel only to put force-placed insurance at a higher price and has botched any an every management possibility of our mortgage servicing by them. Nor have they responded to emails, phone calls or the complaints I have lodged in the past. Our mortgage payment continues to go up and we are concerned that they are mismanaging our loan, escrow account and have swindled us out of money! Unfortunately, we are not the only ones! We are part of a Loan care and XXXX blog that has several complaints against them numbering in the hundreds, who like us are looking to help against a servicer who continues to mismanage our account. Day by day we continue to fear that we will eventually be pushed into foreclosure due to their sloppy managing. Just recently I called them to see if them in XXXX of 2020 to see if we could pay for our own home insurance and we were denied. I was told because it was an FHA loan they would have to continue to pay it themselves from escrow. However, when I called to check if they had made payments the representative told me no we have not. Thank XXXX I had the home owners insurance debited from my bank account otherwise the my home owners insurance would be cancelled and they would put force placed insurance on us again like the first time around. They didnt pay our home owners insurance then either and our insurance company cancelled our policy. Since then our Home Owners Insurance has gone from {$1000.00}. to {$3000.00} Recently we received a letter from Loan care stating that our escrow account is short yet again for {$1800.00}. Upon receiving this letter I immediately called in but the representative I spoke with couldnt give me any clear answers and therefore, I requested the call be escalated and for her to have a supervisor call me. To date no supervisor has ever called and I need your assistance! This company is the subject of many class action lawsuits due to their poor track record of servicing home owners loans. I really hope you can help us! Thank you.

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 2023-03-09
Company: EQUIFAX, INC.
State: OH
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I corrected the account with the original debtor once I found out about the account. By that time it was sold to a collection agency but it states they will take care of it. I am a victim of identity theft fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: GA
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 sent dispute letters to XXXX  back in XXXX and the report came back that it was reported correct. But XXXX XXXX corporate office they show no record of me having an account with them. Credit bureau telling me these are information they getting from creditor. So I ask them to validate it show me and the guy told me he couldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Assosciates has called my place of employment every day, for several months. As soon as we answer the phone and identify ourselves as a business, they hang up. I have consistently called back the numbers and asked them to remove it from their system. 

Today I am filing a complaint because during my 10 hour shift, there have been 8 calls/hang ups by several different numbers that when called back all route back to Portfolio Recovery Assosciates. 

This is a clear attempt to harass one or more employees who owe debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
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: Account status incorrect

Complaint:
There is an error being reported on my credit file from the creditor XXXX The account is being reported 30 days late in both XXXX and XXXX. My payments are {$32.00} per month. I pay more to cover the next month sometimes, which was the case in XXXX. However, the late is being reported when I never was more than 30 days late for neither XXXX, XXXX or XXXX ( see receipt copies ). Please assist with correcting as this is having a very negative impact on my credit 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 2023-07-07
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXXBalance : {$520.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-04-19
Company: HW Holding, 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:
I was trying to buy a house and realized I had damages on my credit report according to the 15 USC 1681 there should not be any damages on my credit report, it is defamation of my character. Also, the reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) Hunter Warfield {$7400.00} last reported on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Bonneville Billing and Collections
State: ID
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:
Bonneville Collection stated they called when they didnt and left voicemails which they did not and they stated they sent a letter on the XXXX of XXXX after a missed payment of XXXX $ on a debt that was down to about XXXX $ at the time of the XXXX of XXXX which was never received they then filed with the courts on the XXXX of XXXX. Because of a filing fee and lawyer its now XXXX . When I noticed I hadnt had the money taken out they stated that legal proceedings were already being taken and were quite rude. They said they could serve me at work and wanted to know where I worked and when I made more payment arrangements with the lawyer started calling me at work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ordered merchandise in XX/XX/XXXX from XXXX XXXX, which was charged to XXXX XXXX account serviced by Comenity Bank. Statement showing initial purchase was never received. The first statement I received showed a late fee and interest. Company was asked to waive late fee and interest since first statement after purchase was never received. Company refused. I paid IN FULL for merchandise purchased in XX/XX/XXXX AND merchandise that was ordered in XX/XX/XXXX or XX/XX/XXXX that had not been billed, yet. This left a balance that was around {$28.00} of late fee and interest. I requested orally and in writing that my account be closed so as to not accrue additional late fees and interest. My request was ignored and XXXX XXXX/Comenity Bank kept my account open to be able to continue to add a late fee and interest every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TN
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX  XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$64.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} OXXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX ( Original Creditor : 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