BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: Franklin Collection Service, Inc.
State: FL
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:
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXFRANKLIN COLLECTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious FRANKLIN COLLECTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
capital one vilated te fCRA by adding a removed item back to XXXX and XXXX   B/c my Data breach Was caused by the FTC violation that XXXX destroy the american economy by hiring people that dont even know how to read a credit report Law saids that you must noitfy me b/c items are put back in 5-10 Business days. XXXX  and Capital one should really consider hiring people that know their job. Then this issue might not be an issue but you get what you pay for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way! 

dispute_item_and_explanation } 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: In progress
Consumer complaint received 2021-06-24
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My daughter and I have applied for a new Mortgage Loan for purchasing a house in the greater XXXX area from Quicken Loans. The pre-approval was quick. However, after we entered into a contract for a house, the problems started. The lender asked us to upload certain documents. The lender has a site where we have to upload the documents and we uploaded the documents that were asked for. However, it seems the lender keeps on losing the documents and asks for the same documents or new documents periodically. I have already asked them to give me a complete list of all the documents they need. We have also started emailing them the documents But, the request keeps on coming every few days. The information they are asking for can be obtained from other documents we have submitted. I am concerned that the lender is discriminating against us because we are XXXX  and employing delay tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: MLD MORTGAGE INC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complain is in reference to previously filed complain with CFPB and it's response provided by the mortgage lender. 
Refer to Previously filed complain # XXXX. 
Based on above reference complain #, the company has accepted their failure to provide a loan estimate which is violation to Frank-Dodd Mortgage Lending Rules. 
In the MDL Mortgage dba The Money Store response, they are failed to response fair resolution to the issue. As a fair resolution, following were asked. CFPB and any governing agency must hold MLD Mortgage dba The Money Store responsible to honor following resolution.

1. MLD offered 2.5 % interest rate and did not honored caused me to lock in rates higher than 2.5 %. Company must pay the difference in interest rate for the life of the mortgage. 2. Company should not be allow for such gimmicks in their lending practices. CFPB must take appropriate action against the MLD. 3. Fair compensation must be paid for the mental stress & aggravations created by MLD in last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I reached out to you guys around XX/XX/2018 regarding some things on my credit that is not mine. The accounts were removed except for XXXX XXXX XXXX and XXXX XXXX. As I went through my reports I also saw some inquiries that I dont know nothing about. 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. Please have this false information removed from 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 2019-08-24
Company: Avid Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Avid Acceptance LLC out of Utah extended credit to purchase a car they quoted a different interest rate final I treat 4 higher I couldn't return the car. Then I lost my job they refuse to do any type of workout with me. I paid now they are incorrectly reporting XXXX payments and refuse to correct their mistake. To top it all they keep charging me late fees even when I explain that I need the due date change etc.. They won't help they just want to keep charging fees and take the car back.. Please help they are stealing people 's money

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 2023-11-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 52. Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 53. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 58. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 59. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Name : XXXX XXXX XXXX  XXXX Opened : XXXX XXXX ACCT : XXXX AMOUNT:XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX ACCT:XXXX AMOUNT:XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX ACCT:XXXX AMOUNT:XXXX PLEASE DELETE IMMEDIATELY I have tried contacting these companies and explaining that these accounts are not mine. They have not responded or given me a call back.

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 2018-05-02
Company: Unifin Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company repeated calls me various times a day never leave a voicemail and when I call back they won't disclose who they are to me. They immediately ask for my information and then they sent me 2 different people personal information in the matter of minutes via email. When I called to inform them they said stop the scheme I'm trying to commit because they cant5help me amd that they will always report to my credit report as negative. I informed them that thats bad practice then they transferred me to a " manager '' the manager dismmissed what I said about the othwr associates I spoke to amd dissmissed what I said about the company sending me other people information that wasn't mine. The manager only concern was to receive a payment from me. I informed the manager that I did not feel comfortable because how the associates spoke to me and the fact that I now have their other customers information that they sent me. The manager then said oh well and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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 disputed fraudulent derogatory items and inquiries multiple times but they are still reporting on my credit file. I have sent in a copy of my identity theft report along with copies of my police report, ID, and SSN. I am a single mom of three and trying to purchase our first home but the fraudulent items are hindering me from being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
To whom it may concern : I have a Capital One 360 checking account since XX/XX/2018. Unfortunately I had a situation where a person cashed a check for a service that was not rendered. I reached out to the person but I haven't heard anything and I suspect I became a victim of fraud since she won't return my money. I contacted Capital One and they couldn't do anything for me, even try to get that money back for me. I relied on this bank for some time and now I lost my money because of their poor controls since they never flagged this transaction as suspicious or reached me out about the particular.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
I paid in full an auto loan with USAA. USAA sent me a letter verifying that the loan was paid in full. I verified with them via phoncon the loan was paid in full on the phone. In the processing of refinancing my home the lender pulled my credit which showed a collection from USAA for the auto loan paid less than the full amount. I called them and they stated there was a glitch in the system that caused the error to be submitted to the Credit Bureau. I have tried to call them to remove the error from my credit report and they state they are working on it and in the mean time I am unable to refinance due to their self admitted error/glitch in the system.I escalated the error to the highest level and they were unable to give a satisfactory answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please remove inquires and XXXX XXXX XXXX  I NEVER OWED... 

Also the XXXX  is unlawful : Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW ...... Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report ... ... .You are also violating 15 USC 1681b ( a ) ( 2 ) considering you ddo NOT have my consent to furnish any information.

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 2022-06-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2018-02-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I received a notice from CITI that they were going to decrease my credit limit because of a " delinquent credit obligation. '' I called within a day or two of receiving that notice and informed CITI that the subject of the " credit obligation '' in question was a fraudulent account that was created through an identify theft. I told them that I had reported that fraud, opened a police report, reported it to the three bureaus, etc. The CITI person told me that I had to go back and redispute the payment history and then call back to CITI again. 

I have made each payment to CITI timely and do not have a single late payment on my credit report, which of course can be verified. 

Today, XX/XX/XXXX, I just finally received confirmation that the fraudulent account has finally been closed, removed from my credit, and that no bad payment history is showing. 

I called CITI again to confirm that this had finally been closed out. However, CITI now tells me that because we are outside of the " 60 day window '' for reconsideration of the credit decrease, that they will not change their decision. When I called in XXXX, I was never informed of any " 60 day window. '' The customer service agent attempted to do a credit increase today, XX/XX/XXXX, and, of course, it was declined. 

CITI has hurt my credit score and credit report by decreasing my credit to an amount close to where my balance is. This makes it appear that my credit is maxed out and hurts my debt to credit ratio. This was all done improperly, even after I notified CITI of the fraud on my account and in spite of going through the effort to have it removed, as they said, but what CITI really has done is to put me on a wild goose chase. 

CITI should restore my credit back to where it was, they had no cause to hurt my credit score in this manner. 

For anyone else reading this account about CITI, do not do business with them.

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 2019-08-25
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was denied a loan from XXXX XXXX in part from information provided by sagestream. They do not have an online portal where I can get a copy of my credit report from them. They do not have an online portal where I can report identity theft. They do not have an online portal to do anything. They easily gave my information to XXXX XXXX with out verification of a driver 's license or proof of residence. But they expect me to provide that to them to access my information that they shared. 

I am formally requesting a copy of my credit report from them. If they are unwilling to provide it, then they need to stop reporting information that I do not have access to. This is a violation of my rights as a consumer. They should not be allowed to report credit if they do not have ease of access like the other credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion didn't provide STUDENT LOAN SERVICERS contact name/information. All balances must be accurate, must be the reporting the same amount, or must remove those accounts. It's not being reported on a monthly basis. It's a violation of Section 623 Fair Credit Reporting Act where all items on the credit report must be reporting fairly and accurately. These are the ERRORS found on TRANSUNION.

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 2023-11-23
Company: Orion Capital Solutions LLC
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received an emergency loan for {$6000.00}. However, the interest charged was unreasonable. I could not continue to pay. I realized that most likely, this loan was an illegal internet loan in the State of Virginia. 

I did forward this information to the Company. 

I received a call from a collections Company called Orion. In addition, my ex husband was called. I called them back immediately. I received an email with a Validation of Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Flandreau Santee Sioux Tribe
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My boss received a call from a Mr XXXX, informed her that someone is on their way to my job to serve me papers. He gave her a document number and a telephone number to call. I called the given number, XXXX, spoke with a XXXX XXXX. He states he is with XXXX XXXX XXXX, and there are 2 civil suits against me. He states it's with Rushmore Financial and supposedly I took out a {$500.00} loan. He also states that I can pay right now and the payment will only be {$850.00}. He states that if it goes to court, I will have to pay them {$2500.00}. I told him I have to look into the validity of this loan. He said that it's too late and I will just have to go to court over this. 
I know that consumers have a right not to be served at work or be threatened with a lawsuit or jail time.

Company response to consumer: Closed with explanation