BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought our house in XX/XX/XXXX with the understanding that we would pay XXXX $ a month for principal, interest, tax 's and insurance. 

On XX/XX/XXXX I uploaded my tax documents to them, I have a confirming doc id # from them stating that they received it, and spoke with them over the phone to insure they got it and it would be paid. 

On XX/XX/XXXX they dropped our Morgage payment down to XXXX XXXX 
I called them and expressed my concern that this wasn't correct and that someone had made a mistake, but they assured me that they had greatly overestimated my tax 's and this was my new payment going forward. 

On XX/XX/XXXX our Morgage payment jumped to XXXX $ a month. Thats a XXXX $ increase that puts us at a hardship as we cant pay that amount every month. Thats an XXXX $ a month increase on what we originally signed legal paperwork to pay. 

I will be uploading Documents related to this complaint. 

I am not complaining because I need to pay back the escrow shortage. They paid our tax 's and insurance, like they were supposed to, I wanted to pay them back. 

My issue is that this was THEIR MISTAKE. Our original bill was correct, but they dropped the payment on us and let our escrow acct fall behind XXXX $ and then expect us to pay it back within a year. 
I tried speaking with them and getting a 2 year payment plan set up so we could afford to pay it and they wouldn't budge. Noone wanted to acknowledge the mistake and work with us, they said simply XXXX $ extra a month, or pay it off in full now. 

We are getting our situation taken care of, and we will be ok. But, id like them held responsible so that this doesn't happen to someone else that isn't fortunate enough to be able to pay for their mistakes. We could very easily have lost our home because of this simple, easy to avoid mistake, and they didn't accept any responsibility for the mistakes they made that led to our hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The bureau have many names addresses jobs and socials on me that is not me i have contact all and ask for them to be removed it is the same

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 2023-06-12
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( commonwealth financial ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : XXXX XXXX XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When I signed up the promotion was 40,000 pts if you spend {$1000.00} in the first 3 months. 

Chase response : " I regret to inform you that your account is not eligible for the new offer you requested. The original offer you applied for will remain on your account. You will receive : - Earn 10,000 bonus points after you spend {$500.00} in purchases in the first 3 months your account is open. 
- Get a {$200.00} statement credit after your first purchase. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( ARS ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;

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 2023-06-12
Company: EQUIFAX, INC.
State: PR
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:
For 2 years I have been sending letters to Equifax, XXXX and XXXX to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I written a letter to XXXX and Equifax disputing a bankruptcy on my credit report. They replied to be that they contacted the bankruptcy court and the court verify that they reported it. which is false. XXXX and Equifax violated the FCRA. I contacted the United States Bankruptcy Court of Northern District of Illinois. They told me that the court do not report any bankruptcies to credit bureaus, That a third party reports to credit bureaus. And a third party can not report. They also sent me a letter stating they don't report to any credit bureaus. This is what XXXX wrote to me : The dispute for the bankruptcy named US BKPT CT IL XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 
Source : XXXX  Date Submitted : XX/XX/2021 Report Number : XXXX Court Name : US BKPT CT IL XXXX Address : Northern Dist - Eastern Div XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , IL XXXX Type of Record : Bankruptcy Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Complete Credit Solutions, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Complete Credit Solutions is attempting to collect an alleged debt in which I have informed them that I do not owe. I have requested validation of this alleged debt several times ; Copies of documents bearing my signature that clearly state that I have a legally binding and contractual obligation to pay them, the full names, address and direct telephone numbers for each individual they contacted in the course of their investigation to validate this debt. I have been asking for validation for over 60 days and they have failed to provide it but continue to report negative activity on my credit reports. This should be ceased immediately and I demand that this account is removed from my credit reports immediately upon receipt of this complaint. 

Furthermore, this morning I was made aware that Complete Credit Solutions INC attempted to obtain a copy of my credit report from XXXX under false pretenses and knowingly without a permissible purpose. I did not apply for credit with Complete Credit Solutions INC, they are a collection agency. For this violation alone, they are liable for {$1000.00} in damages as per 15 USC 1681n ( b ) Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I have attached the picture of the alert I received from XXXX displaying their company 's name, address and today 's date when they attempted the credit inquiry. 

Please be advised, the mere fact that you have my name, address and social security number does not suffice as proof of validation. Please be aware that I am maintaining an ongoing documented record of my communications with you for the purposes of filing a complaint with the FTC, Civil Court and the state of Delaware Attorney General 's office if the matter is not satisfactorily resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: BMW Financial Services NA, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have never missed a payment and have always paid before the next payment was due. There is no where on the statement that states BMW reports on a rolling 30 day reporting. 
XX/XX/2019 was paid XX/XX/2019 XX/XX/2019 was paid XX/XX/2019 I was reported 30 days late for my XX/XX/2019 auto payment on XX/XX/2019 and I couldn't understand what happened. I disputed it and it came back no change. On XX/XX/2019 paying my XX/XX/2019 and was told that I was already reported to the credit bureau as being late because they reported on a rolling 30 days and not month to month. I called back and spoke with another representative who told me the same thing and that I should read my statement and it states that BMW reports on a rolling. I read my statement and it doesn't read as such. I am disputing the two times late payments with BMW.

If they are reporting on a rolling 30 days it should clearly state such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I was sued by Midland Funding LLC for a debt I did not owed and on XX/XX/XXXX the lawsuit was dismissed . I expected a that Midland would stop reporting it to the Credits. Bureau what did not happen. XX/XX/XXXX I send a correspondence asking to do so but at my surprise on today date Midland continues to report this alleged debt to the credits bureau By keeping reporting this alleged debt Midland Funding LLC has ported prejudice to me So I’m coming to you to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: NC
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. 

Account name : XXXX Account. # XXXX Account name : XXXX Bank # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-09-08
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -with Account Number XXXX that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company reported to my credit bureau. They do not have an accurate social security for me on their file during the time of reporting nor do they have accurate filing tactics. Code 15 usc 1681c-2 is being applied to this complaint. Ive noticed a mark on my credit report from this particular agency and it took 90 points off of my credit and I would like this removed. Im attaching document that s

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Account information incorrect

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Is listed on my credit report as a debt I owe and have not paid. I do nnot owe this debt and want it removed immediately. They refuse to provide written proof of the debt which proved my point, that I do not owe this debt.

Company response to consumer: Closed with explanation