BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
MRS Associates contacted me claiming to represent XXXX. I immediately did three things. 

First, I disputed the debt. The claim is not valid. 

Second, I requested written verification of the debt. 

Third, I requested they NOT call me at my work. 

The person on the phone was pretty silent. I told them I understood my rights and I was exerted them. They hung up. They did NOT respond to me again. 

The SECOND CALL I stated again the same three statements. I dispute the debt as it is NOT valid, I require written verification and they are not to contact me at work. 

Today, XX/XX/XXXX, they called me a third time. I demanded a supervisor. They delayed and at first denied they had supervisors. Finally, I spoke to " XXXX XXXX '' XXXX XXXX 's conversation meandered and contradicted itself. I again stated that twice prior I had disputed this debt and had requested written verification. He fist claimed they had never contacted me before. I stated, regardless, I require written verification of the debt. HE REFUSED, claiming they had sent it prior. I stated the obvious. that first he claimed they had never contacted me, now he claimed they had verified. I stated I had never received written notification and I required it. He said he couldn't do that. I stated SIX TIMES that I required written verification. I asked him if he was refusing to provide it. He would not answer me. 

XXXX XXXX said there would be " legal consequences ''. I responded that I was aware of my rights under federal law and that he was required to provide me with written verification. He refused, this was the 7th time in the same conversation. I told him that they should not call me at work and that I was going to report them to the state attorney general and other offices. He hung up on me.

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 2023-03-28
Company: EQUIFAX, 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:
A month 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. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the recent security breach at Equifax, I attempted to take advantage of their very limited free credit freeze offer. When I submitted my information via the website, I received a message indicating that my credit report could not be frozen online and that I would have to submit a variety of sensitive documentation via mail in order to freeze it. 

However, it appears that the Equifax system DID indeed freeze my report. However, what the company did not do was provide me with the PIN number to subsequently unfreeze ( permanently or temporarily ) the report. Again, at the time I attempted to freeze my credit report online, I was informed by Equifax that the attempt was not successful and would have to be done by mail. 

Contacting Equifax now to have the PIN provided or reset has proven unsuccessful, and I was told by a representative that I would have to pay {$10.00} and provide sensitive information via mail to receive a replacement PIN. I am requesting that Equifax reset the PIN number for free, as this entire debacle is due to not one, but two failures entirely on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I refinanced our VA loan and closed with Village Capital and Investments LLC. on XX/XX/2020. On XX/XX/2020 we were told by Village Capital that they had sent the payout in the form of a wire transfer. However, my husband received a call from our then mortgage company XXXX XXXX XXXX XXXX XXXX on XXXX XXXX stating that they had not received the wire transfer to fulfill the payout and that we were subject to default if the transfer was not received by XXXX XX/XX/2020. As I understood it, a wire transfer should not have taken any longer than 5-7 business days after closing. The proceeds from the payout/wire transfer were not received from Village Capital to XXXX XXXX until XXXX XX/XX/2020. We followed up with Village Capital in an attempt to get a status of the transfer numerous times following the call from XXXX XXXX advising us of default but was either ignored or provided false information that essentially cost us 10 days of accrued interest in addition to the default of our loan due to the transfer being received after the XXXX XXXX deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: VA
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 a victim of identity theft because someone unknown has been using my name and information and opened accounts. I reported to the FTC and to the creditors but the creditors do not remove the accounts that are not mine

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 2023-03-28
Company: EQUIFAX, INC.
State: PA
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 in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As of XX/XX/XXXX CapitalOne has frozen all of my accounts due to not having a business account and receiving the PPP forgivable loans. I applied for these loans using a reputable lender, used the governmental application, signed the XXXX  loan promissory note, submitted my XXXX tax return prepared by XXXX  XXXX, submitted my 1099 from XXXX, my incumbency letter with the booking company that I use as a XXXX XXXX  starting in XXXX and my schedule c. CapitalOne has nothing to do with these loans and told me that I was fraudulent. I have tried contacting them ; have been on hold for hours and the only answer they could give me is that this money would be returned to the lender and there is not time frame to access. They told me I needed to find another bank to change any direct deposits. There is no CapitalOne in my city and I literally don't have access to any of finances. I have triple checked the cares act and it accept 1099 worker, doesn't require business account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2023-07-28
Company: LEXISNEXIS
State: OH
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus sent my mortgage portfolio to mr. cooper management. Seterus sent the mortgage portfolio minus the escrow account funds to mr cooper. Then went out of business for bad practice. Mr cooper could not retrieve the escrow account money due to seterus being out of business. Mr cooper decided to get the money from me. Meaning I paid seterus in full and mr cooper in full. Contacted mr cooper explained there was no shortage on my end, but they did not care and continued to charge extra from the escrow account for one year. At the end of the year XX/XX/2020 now having collected XXXX dollars. Mr cooper collected XXXX extra in escrow account payments and traded me to XXXX in XXXX. XXXX continued to charge double in escrow payments. I brought it to there attention that I was overpaying after 4 months of talking with XXXX they sent me a check for a XXXX dollars in overpayment to my escrow account. The XXXX had charged me XXXX lowering my payment back to the original amount. What I'm after is the overpayment in XXXX dollars from mr cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account with Navy Federal Credit Union was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment via electronic banking to Home Depot Credit Services in the amount of {$5100.00} on XX/XX/XXXX. Unfortunately I intended for it to go to my Home Depot Project Loan account but I sent it to a Home Depot credit card account that is closed due to inactivity. 
I contacted Home Depot and they claim no knowledge of my payment. I never received any notice the credit card account was closed nor any communication about my money being received or being returned. 
They will not provide any phone number for their Payment Research Center, only an address to mail inquiries to in XXXX XXXX, MI. I am concerned by their actions they will attempt to steal my money and I am requesting your help.

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 2019-03-21
Company: Experian Information Solutions Inc.
State: NY
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 contacted XXXX repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the 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 2020-07-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
We purchase airline tickets and game tickets with our American Express card in XXXX for an event in XXXX for the XXXX XXXX. The airline tickets were arranged by American Express travel. We cancelled in XXXX once the Covid 19 was in full swing and it was clear we would not be traveling. We contacted both companies XXXX XXXX and XXXX XXXX for hours on the phone trying to cancel the events and credit our AMX card. XXXX XXXX XXXX said they would give us a credit but would not put it in writing. XXXX XXXX said the event would take place in XXXX and we would get tickets for that event. I am in my XXXX 's and not sure when I will be traveling again. Not to mention that there is no guarantee that this event will ever take place. I have medical issues that XXXX knows about. They asked me for a letter from my Doctor which I sent months ago. I have been out of work since XX/XX/XXXX due to the virus. We have been going round and round with AMX regarding this issue. It has been a burden to my health and family with this on going battle trying to get credit for a flight that was cancelled by the airline because of the pandemic and 2 soccer games that were cancelled by the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a auto loan with Credit Acceptance. I'm on auto payments. In XXXX they said the payment wasn't applied. Then it went on my credit report. I'm still making payments as I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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 requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported a debt that I do not recognize. I also see multiple inquiries from XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The fraudulent names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The false addresses XXXX XXXX XXXX XXXX  XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. The fraudulent Social Security number XXXX ; XXXX. The false telephone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
on XX/XX/15 I applied online for a XXXX XXXX credit card to take advantage of 0 % interest promo. Card is offered thru Comenity Bank. I unfrozen my credit reports before I applied. I do have a fraud alert on my report report because of my common name and previous issues with wrong accounts merged on my report. I am aware that someone is to call and verify my identity. The message I received when I applied online was " processing and I would hear within 10 days '' I followed up calling a number XXXX XXXX  Manager gave me and I could not get anyone to help me. I was transferred three times - once to XXXX Customer Service, once to XXXX - XXXX XXXX and once to a recording. I was told that only a Supervisor could help me and they were not allowed to transfer to a Supervisor. To date, I still have not received any communication from Comenity Bank. I currently am a cardholder with Comenity Bank with XXXX XXXX and BJs XXXX XXXX cards - all in good standing. 

I would like to get a response ASAP as I would like to continue my purchase with XXXX XXXX during the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation