BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Company: AmeriCollect
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am having them contacted by XXXX XXXX XXXX because it has been over seven years and the debt should be closed and rehashed to keep up with me and stalk me. The dollar amount is 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2022-09-28
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Title 31u.s.c.sec,3123 all XXXX are INITED STATES obligations.. 
XXXX THER IS NO RESON I SHOULD BE LATE OR MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT AND THIS SITE SUCKS FOR DOING SO AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Zelle provides on the desktop version the ability to schedule automatic recurring payments, which I used to pay for a recurring weekly service using the service provider 's phone number. When I no longer needed to process those payments, I decided to " Deactivate Zelle '' ( as stated in the app ) from my XXXX app and the payments stopped. 

When I Iater reactivated Zelle ( weeks later ) to process other payments, the automatic recurring payments initially set up on my account were still active and kicked back up. The resulting situation was a series weekly payments resuming to the original phone number on file. However, the phone number changed ownership in the meantime, and the phone number was no longer owned by the service provider but by someone else. That new person started accepting all pending recurring payments, quickly draining my bank account. What is incomprehensible for me is that, after you " Deactivate Zelle '', your automatic payments schedule stays active and immediately gets restored as you re-activate ZellXXXX at a later time ( and can aggregate through time ). This is an abusive and unsecure feature. 

Consumers are getting ripped from their money as banks like XXXX push the risks on consumers and shady third-parties like Zelle/Early Warning who do little to no efforts to secure transactions. I will share my concerns where possible ( e.g., CFPBXXXX XXXX XXXX  to ensure companies like Zelle/Early Warning can not operate with the level of impunity/disregards to consumer protection rules. 

Date of transactions was XX/XX/2022 for a total of {$500.00} ( from multiple transfers ). 

I contacted XXXX and Zelle on XX/XX/XXXX and XX/XX/XXXX for resolution ( cancelling the automatic transfers that got cashed in ) to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late open XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-15
Company: Mountain Run Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I purchased a home security system for our home. When the contract was activated we kept our end of the deal and the company XXXX XXXX did not. I was told before and during signing that my monthly payment would remain the same throughout the duration of the contract. That was not true because I started at approximately {$34.00} dollars a month, by the time I called to cancel the account which was after the system was fully paid for, my monthly payment was at $ XXXX. 

I called them and went through a verification process to identify myself and told them I was no longer interested in this service and to cancel my account. I was assured that the account was cancelled and I was not in arears when that took place so I am not sure where this {$490.00} is coming from. 

I had to file for bankruptcy in XXXX which was discharged in XXXX and XXXX was included in the bankruptcy. Out of no where I started receiving letters, calls, and now text messages from Mountain Run Solutions stating that they purchased the account in XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
XXXXXXXX XXXX XXXX  # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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

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 2022-09-28
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
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 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 2019-07-01
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX  XXXX ( XXXX ) called me at XXXX at work about a best buy credit card from years ago, today XX/XX/19 threatening with legal action causing me extreme anxiety. The first call consisted of a voice message recording saying that I have a case against my social security number, name and other things. I call back, they say the last 4 of my social security number and name to verify if I'm who they are trying to contact. I said yeah and they proceeded to say basically if nothing is done today that the courts will proceed with my case and it'll cost $ 3,000+. 

They offered me to pay {$300.00} today, {$300.00} this Friday and the rest by the end of the month which would be a settlement of the original {$1200.00}. Or if I paid {$1000.00} today that it'll be settled. I remember paying off a settlement which I don't remember the balance or which creditor had the debt, a few months ago and it said after paying that, it would've been settled and paid off. So I paid that and then they call today with what I described earlier in this message. I told them I can't afford that right now and they said if I can't they have no other choice but to let this go to the court. They didn't seem to be too professional and told me they can't provide information as to who sold them this debt or provide proof of this debt. I told them that I'll call back, they said I only have 60 minutes from the time I called back or they will pursue with the case. 

About 2 hours later I get a call from XXXX PA District attorneys office ( XXXX ) at XXXX saying that do I know of XXXX XXXX XXXX and I hung up, called that same number back at XXXX and they said no one from there ever even called me and they don't even have any of my information in their office. So at that point I knew something is up and while I was on the phone with the real people from the district attorney 's office, they were spoofing their caller ID again and I didn't answer. Then they called from XXXX at XXXX and again it was them but I didn't answer. At this point I'll probably sue them for harassment and want to report them for the harassment as well.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-05-15
Company: CITIBANK, N.A.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Received notice of a fraud alert on a card that I do not own but they had my name and last four digits of this fraudulent card # XXXX. Supposedly its a Citi XXXX XXXX Card!?! 
An account I never opened and I'm sure they just want me to call so they can scam me. 
The number they gave is XXXX, I couldn't get a reverse lookup confirmation that it has anything to do with Citi or not. 
I got a text message from them reading that someone tried to use this card that isnt mine, at XXXX for {$88.00} on XX/XX//2021. 
Any help would be great.

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 2023-07-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report there is an account that is older than 7 years. The account this is playing games and using lack of reporting is XXXX XXXX XXXX In XXXX of XXXX, I had a 30 day late, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX a settlement, then XXXX they reported a CO. I have waited patiently for this to be removed. Due to XXXX not reporting any payment history and just the CO in XX/XX/XXXX they are reporting to the agencies that the XXXX late payment was XX/XX/XXXX, therefore leaving the account on my report. I filed an dispute with all 3 credit reports, XXXX and XXXX removed the file cause they did their job. Equifax just sent them an inquiry on when the last payment was and they again said what they reported XX/XX/XXXX and didn't remove the file. According the Fair Reporting Act, accounts should be removed 7 years after 1st delinquency. This account should be removed and I'd like to formally report fraud and breaking Fair Reporting Act legal statues for Equifax and XXXX XXXX I have a prior credit report, before they removed all the payment history showing the payment history from XXXX to XXXX. I supplied this document to all three agencies. Again 2 of them did their job and removed the file, Equifax is incompetent 's and breaking the FRA legal statue, but not doing their job and asking for proof of 2 year payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # I contacted TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2023-03-29
Company: EQUIFAX, INC.
State: DE
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 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 2022-09-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Dear CFPB : On XX/XX/2022 I filed a formal Complaint with HUD in connection with a XXXX XXXX, XXXX  state court litigation where I discovered XXXX XXXX  and their loan servicer Nationstar concealed evidence between XXXX, including Texas Constitution documents and infirmities with my loan which according to Texas Supreme Court XXXXuthority , rendered my loan void, invalid and foreclosure ineligible at origination. 

More importantly, the HUD Settlement Statement provided undisputed evidence I was illegally charged closing costs in excess of Texas Constitution 3 % of principle limits. As a XXXX minority, I was required to pay more than {$10000.00} for closing costs on a home equity loan when I should have paid no more than {$2800.00}. The {$10000.00} closing costs included my agreement with the lender to make exterior repairs approved by the lender to obtain the loan. 

I also filed a complaint with the State of Texas Auditor to place them on notice that state courts are using state funds to render opinions in violation of the Texas Constitution. 

During previous litigations where I incurred attorney fees of close to {$200000.00}, XXXX XXXX and their loan servicer Nationstar concealed the infirmities with my home equity loan which they knew that pursuant to the Texas Constitution, was invalid, void and foreclosure ineligible at origination. 

In the current litigation, XXXX XXXX  and Nationstar defended their illegal acts to charge excessive loan closing costs on Texas Home Equity loans and refused in writing, to comply with Texas Constitution cure provisions to correct the loan infirmities. 

I recently filed at the Fourth Court of Appeals, an Amended Motion For Rehearing and Rehearing XXXX XXXX to correct the egregious errors with the Court Opinion that conflict with the Texas Constitution. 

I am attaching my HUD Complaint letter and exhibits attached to support my allegations.

Company response to consumer: Closed with explanation