BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. 
Deletion from all consumer reports. Best regards, XXXX, XXXX 1. Name and address of alleged creditor. 
2. Name on file of alleged debtor. 
3. Alleged account # 4. Address on file for alleged debtor.

5. Alleged account # 6. Amount of alleged debt.

7. Date ( this alleged debt became payable ).

8. Date of original charge or delinquency.

9. Was this debt assigned to a debt collector or purchased?

10. Amount paid if debt was purchased.

11. Commission for debt if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MS
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 took a look at my credit report only to find out that someone has opened a XXXX XXXX Bank charge account. That was opened on XX/XX/2022. This is not my credit card account. Someone is using my identity to obtain good and or services without permission from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We did a refinance with Loan Depot. We signed on XX/XX/19 and we closed with money funded on XX/XX/19. Our current mortgage has yet to be paid off. I have been in contact with the company on numerous occasions and keep getting excuses. They are telling us that the title company is delayed and they are shortstaffed, etc. This is unacceptable. It is been over two weeks and our current mortgage should have been paid off. The money has been funded since XX/XX/19. As per their own policy, the current mortgage and disbursement of cash should be done within five business days. It is now been almost 10 business days. We have not made our XXXX mortgage payment because we closed in the middle of the month and the mortgage shouldve been paid off ( and Loan Depot advised us not to ).  Now loan depot is telling us we have to make the XXXX mortgage payment because they wont payoff the current mortgage today. In addition, because the mortgage payment is late, there are late fees associated with the payment. So that means, by us making the mortgage payment this month, we are losing money on this refinance deal, the cost of the mortgage payment, because we have to come out of pocket. Also, the current mortgage payoff has expired and now they have to obtain a new one! I will absolutely NOT recommend this company to anyone! We are very disgusted with this company and their unprofessionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: SC
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 am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 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 : it also states a consumer reporting agency can not furnish an 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 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 the information is inaccurate I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSWORLD SYSTEMS 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: Problem with personal statement of dispute

Complaint:
They're still reporting a debt from XXXX XXXX and refused to do a debt validation, it still shows collection on credit report even though they agreed it will be paid off once I pay it in full ... I contact XXXX XXXX like they said including the account number in the last complaint. According to XXXX XXXX  they only off Electricity in the state of Texas not Florida ( which they gave me the previous address to contact them ) the address I provided to XXXX XXXX  that XXXX gave me was XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX florida XXXX which i gave to the original creditor and they said that address don't exist with XXXX XXXX because XXXX XXXX only exist in texas after being on the phone with them for 15 minutes I tried calling XXXX but they're not getting the fact whoever reported it wasn't from out of state or XXXX XXXX themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Two collection accounts just showed up on my credit report within the last 2 months I submitted and dispute and they did not get back to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MCA Management Company is reporting a debt not owed to my credit report. I have filed disputes three times. Debt is a result of a legal action for a person with a similar name to me. I have sent the court records that I obtained from the XXXX XXXX XXXX XXXX to the dispute and it keeps getting confirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
XXXX, Transunion XXXX XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Transunion XXXX XXXX written permission to furnish these accounts : XXXX XXXX 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 2020-07-30
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX, Virginia upon getting an approved auto loan for the vehicle from N.C. State Employees Credit Union. Including with the price of the vehicle the auto loan included {$1200.00} for an extended auto protection package. The owner of the dealership did not submit payment and extended warranty application to XXXX XXXX XXXX. The FBI launched an investigation into the dealership for fraudulent activity and numerous reports of obtaining money under false pretenses in total of 81 indictments and was sentenced to 3 years in prison in XXXX. Upon his release he is court ordered to pay Restitution to all victims of his crimes. As stated in his promissory note his first payment of {$450.00} was supposed to be made to me XX/XX/XXXX. I have not received this yet. However, my vehicle is no longer in working condition and I am not financially able to pay for the repairs and make the payments to SECU on the auto loan. I am currently unemployed. This has caused an enormous amount of stress on my behalf because this is causing derogatory remarks and late payment history to be noted on my credit report. Even with reporting what happen with the money for the warranty, XXXX State Employees Credit Union has not been able to offer me any help in getting this matter resolved without defamation of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is with the closing attorney. I used a broker and subsequently Quicken loans. From initial LE to final CD Section H always stated that the owners title insurance was optional. Day before closing now, keep in mind I told my broker in writing from the initial LE that I did not want owners title insurance and the fee is still on the CD. I called the title company and they stated " owners title insurance is optional, just not optional here at our company '' and now it's too late to start over with a new title company so I am forced to pay XXXX that was in all actuality NOT optional. 

This is a deceiving practice and unacceptable behavior by a law firm. I have it in writing now from the law firm, and he states all email signatures state it's not optional but a buyer doesn't correspond with title, the realtors and the bank do, had I known up front they would not charge this, I would have gone with another company to close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.

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 2022-08-26
Company: Thaxton Investment Corporation
State: OK
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:
{$700.00} I went into their office and compared signatures. Didnt match. Company sent me forms to fill out but I dont know how to fill them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$60000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened :, Balance : {$0.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX XXXX, Balance : {$640.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
State: NY
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:
Unauthorized inquiries 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 explanation
Consumer complaint received 2020-06-08
Company: First Technology Federal Credit Union
State: OR
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:
On XX/XX/2020 I made an online purchase from what I thought was a XXXX affiliated website for an XXXX XXXX for {$300.00}. After the purchase I grew suspicious of the deal and quickly figured out the site was a scam ( the site was taken down within two days of the purchase, but the URL was later purchased by XXXX and now serves as a redirect ). I filed a fraud ticket with First Tech Federal Credit Union ( #  XXXX ) including copies of fake confirmation emails. By the time the credit union researched my request, they were unable to find evidence since the URL had been repurchased/remapped to the real website and hence denied my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have notified all 3 credit bureau several times of unfamiliar inquiries on my account, violating my rights. They have not deleted, verified or notified me, and the unknown inquiries remain in 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 non-monetary relief
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-07-30
Company: EQUIFAX, INC.
State: NC
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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 am submitting this CFPB complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting for the removal of the fraud items completely from my Credit Report. I, once again, sent a letter to the Credit Bureaus requesting that they remove the disputed fraudulent items from my Credit report. Because of the multiple letters I have been sending to the Credit Bureaus as well as their previous actions, I came to a conclusion that the Credit reporting Agencies will once again, neglect my requests. With all the letters I have been sending, the Credit Bureaus has never been able to respond even once. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation