BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Accounts : XXXX XXXX XXXX  XXXX XXXX ; Account # : XXXX XXXX  XXXX ; Account # XXXX XXXX  ( XXXX  XXXX XXXX ) ; Account # XXXX XXXX  XXXX XXXX ; Account XXXX XXXX XXXX XXXX, XXXX ; Account # XXXX Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, XXXX XXXX XXXX for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer.

Please Delete, Remove and Block All Information Regarding These Accounts Immediately.

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 2020-05-03
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the corona virus i am now able to pay XXXX mortgage today is XX/XX/2020. 
My interest rate is almost 8 % 7.92 % I am definitely a mortgage prisioner I do believe if i could get some HELP with very high rate that i would be able to not struggle so muchand could easier be able to get back on track. 
My home was once inforclousure. And it was extremely stress fut at that time i was abe to do the loam modifications BUT. XXXX XXXX   company did not give any help with the high rate. 
This was my mother 's home he passed away in XXXXi have been struggling ever since. 
Please I could obtain some assistance with this rate.i am XXXXyears old and recently had XXXX XXXX XXXX XX/XX/2020 an am currently undergoing XXXX therapy. 
I was not able to work due to the XXXX and now with the corona virus i again missed some work ue to my 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 2019-09-23
Company: BARCLAYS BANK DELAWARE
State: TX
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:
XXXX is claiming that I made a purchase on XX/XX/19 of {$990.00} XXXX is claiming that I made a purchase on XX/XX/19 of {$990.00} I have disputed this with them several times and provide proof that this transaction was fraud but they refuse to correct they state that merchant sent them proof that I signed but when I show them proof that I did not sign they base there decision on there opinion instead of following law.

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 2019-09-23
Company: MoneyLion 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: Account information incorrect

Complaint:
On numerous attempts Ive tried emailing and calling money lion to update my banking information so that I dont have a late payment on my report however it was not done and I have 2 late payments on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Moiharwin Diverisfied Corporation
State: NV
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 been disputing this account to the bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a validation letter to the third party collector on XX/XX/XXXX and they are sending me the same letter with a bill with my name on it ( not a signed bill ) at least on 3 different occasions and still not verifying the actual signed contract. I was also a victim of identity theft in XXXX, which i have sent both parties my affidavit. This false accusation that i owe this company is holding me back from my business endeavors and while this pandemic is still climbing I would like this error to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: WELLS FARGO & COMPANY
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: Public record information inaccurate

Complaint:
Derogatory Information WELLS FARGO HOME MOR XXXX Mortgage XXXX I XX/XX/XXXX {$0.00} {$0.00} {$0.00} XX/XX/XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!!
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX XX/XX/XXXX WELLS FARGO XXXX Mortgage Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX I XX/XX/XXXX {$0.00} {$0.00} {$0.00} XX/XX/XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!!
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time Equifax XX/XX/XXXX Same Goes for the Tax Lien that you have a copy for again and again I can send a copy of that too,

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 2017-11-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1.CHASE CHECKING XXXX VIOLATED CONTRACT WITH XXXX XXXX BY CHARGING {$68.00} FOR TWO {$34.00} OVERLIMIT FEES. 

; ; ; ; ; ; ; 2.CHASE CHARGED {$34.00} OVER LIMIT FEE FOR AN ACH CHARGE TO PAY XXXX A BILL PAY. THIS IS NOT PERMITTED UNDER CONTRACT. 
; ; ; ; ; ; ; ; ; ; ; 3.WHEN THERE IS NOT ENOUGH MONEY FOR CHASE CHECKING TO PAY A BILL PAY, FUNDING FAILED SHOULD APPEAR NOT A {$34.00} OVER LIMIT FEE. 
; ; ; ; ; ; ; ; ; ; ; ; 4. XXXX XXXX REQUIRES CHASE TO CREDIT BACK {$64.00} IN OVERLIMIT FEES IMMEDIATELY OR HE WILL SUE CHASE IN SMALL CLAIMS COURT. 
; ; ; ; ; ; ; ; ; ; ; ; ; ; ; 5.XXXX XXXX WANTS THE MONEY BACK RIGHT NOW AND PERMANENTLY NO MORE EXCUSES OR DELAYS. ACH IS NEVER A REASON TO CHARGE OVER LIMIT FEE AND CHASE KNOWS THIS. 
; ; ; ; ; ; ; ; ; ; ; 6. SECOND PROBLEM IS CHASE PROMISED FREE CREDIT SCORE, BUT, OF COURSE, AS TO BE EXPECTED WITH THE BANK THAT SCOUNDREL XXXX XXXX FOUNDED, I NEVER GOT THE CREDIT SCORE. CHASE DISCRIMINATES AGAINST USERS WHO DO NOT HAVE CELL PHONES.
; ; ; ; ; ; ; ; ; ; ; 7.GIVE ME THE {$64.00} BACK PERMANENTLY NOW AND GIVE ME MY CREDIT SCORE RIGHT NOW AND SEND YOUR ANSWER BY USPS POSTAL MAIL AS WELL AS BY ELECTRONIC. 
; ; ; ; ; ; ; ; ; 8.NO MORE EXCUSES FOR FAILING TO ABIDE BY CONTRACT WHICH CLEARLY STATES BILL PAY CAN NEVER BE THE REASON FOR CHARGING ME OVER THE LIMIT. CHASE WAS SUPPOSED TO PAY XXXX BY BILL PAY  BUT NEVER DID.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On numerous occasions Ive contacted XXXX and Equifax about Hard inquiries on my report that are fraudulent. I stated that it was identity theft and I did not authorize it nor had knowledge of the information on my report. I sent in Identity Theft report along with copies of my Id and SS card as they told me to and still nothing has been fixed for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16
Company: Big Picture Loans, LLC
State: IA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I obtained a loan through Castlepayday XXXX/XXXX/2015 to assist with Holiday expenses. I paid {$300.00} on both the XXXX and XXXX of the month from that time until XXXX XXXX, paying no interest on the loan. On XXXX XXXX the debited my account {$320.00} and on XXXX XXXX they debited my account {$320.00}. Online there is no explanation, in fact there is not information on my account at all. I emailed Castlepayday numerous times with no response and have emailed the company now that it is XXXX once ; still no response. The email I sent is below. I do n't know what to do and want to be responsible by paying my bills, but the interest amount is unreal and I can not get any answers on when my loan will be paid off. At the rate I am going it will be years. As I said in my email below, I am XXXX military and I do n't believe that I should have been given this loan. I was honest on my application about my employment and provided proof of income which indicated I was XXXX military. Please advise on steps ( if any ) that can be taken to reduce this debt as I am having a hard time with paying {$600.00} per month. Thank you. 

XXXX XXXX Email sent to both Castlepayday and XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response : Although I am trying to pay my balance, I am running into financial difficulties. I did some research and I believe that I should not have been able to obtain this type of loan. I am XXXX military. I found the following in my research. Please advise. 


Through its enforcement and supervisory work, the CFPB will be scrutinizing lenders to make sure that they are following the XXXX requirements when they make short-term, small-dollar loans to servicemembers and their dependents. Specifically, payday lenders must follow the requirements of the law for all closed-end loans of {$2000.00} or less and with terms of 91 days or less. These requirements include : Annual percentage rate capped at 36 percent : Because most payday loans are for several hundred dollars and have finance charges of {$15.00} or {$20.00} for each {$100.00} borrowed, a typical two-week term can equate to an annual percentage rate ( APR ) ranging from XXXX percent to XXXX percent. Payday lenders must cap the APR - which incorporates all fees and costs associated with the loan - at 36 percent when lending to servicemembers. 
No rolling over of loans : When consumers can not pay back the loan at the time it is due, borrowers can often pay only the finance charges and renew the loan. This fee does not reduce the amount owed. If a payday loan is rolled over multiple times, it 's possible to pay several hundred dollars in fees and still owe the original amount borrowed. Payday lenders are banned from rolling over loans for servicemembers, unless the new transaction results in more favorable terms for the servicemember.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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:
i am a identity theft victim. i have aquired a police report and a id theft report as well. 

inaccurate items as follows XXXX XXXX balance {$6600.00} this account was open by someone else chapter XXXX bankruptcy reported XX/XX/2013. not my account. 
XXXX XXXX {$260.00}. not 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 explanation
Consumer complaint received 2019-09-23
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA loan. Has changed holders 3-4 times in the year we have had it. 
During the last transfer there was a lost payment. 
The company PHH mortgage withdrew the XXXX 2019 payment on XX/XX/XXXX. 
The loan was transferred to the new company XXXX XXXX around XX/XX/XXXX or so The XXXX payment has not been credited yet I have called PHH three times. During each call they first tell me that they rejected the payment. Then after conferring with a supervisor they say the payment was sent to the new company They have not provided any documentation supporting this and they tell me they will call me back with information which they have yet to to My account is listed a past due with the new company. I went and paid an extra payment to make my account current but I am still out a full payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date opened : XX/XX/XXXX XXXX : {$670.00} Contacted both original creditor as well as collections agency ( which is internal ) beginning in XXXX to explain that I have been incarcerated for 19 years and have only recently been released from Federal prison in XXXX of XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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: Investigation took more than 30 days

Complaint:
On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX USA Ref # XXXX 3. XXXX XXXX XXXX  USA Ref # XXXX 4. XXXX XXXX / XXXX XXXX  ref # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted my Identity theft form to XXXX and they have denied to delete the Multiple fraudulent inquiries that are not permissible and I did not authorize them! Also, the fraudulent accounts that I did not apply for XXXX XXXX no contract with the company fraudulent, XXXX XXXX XXXX fraudulent account, XXXX XXXX XXXX, and XXXX XXXX fraudulent accounts. The inquiries are XXXX XXXX XXXX  that are listed multiple times, also XXXX, XXXX, and also XXXX. I have decided to take this matter to civil court in my area for proper and ethical resolution! I was trying to avoid litigation as I know there have been previous successful precedents such as XXXX vs XXXX, that suggest The courts would find in my favor, but XXXX has repeatedly violated section 609 ( a ) ( I ) ( A ) and section 611 ( a ) ( I ) ( a ) ( A ) which clearly states that the company must present original documents or Signed contracts! If the accounts are not deleted within 10 days I will forward the information to my attorney! XXXX and XXXX have deleted the above inquiries and accounts that have been listed as fraudulent!

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 2022-10-04
Company: EQUIFAX, 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 act XXXX XXXX XXXX  Account Number 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 response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, 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:
i am a identity theft victim. i have aquired a police report and a id theft report as well. 

inaccurate items as follows XXXX XXXX balance {$6600.00} this account was open by someone else chapter XXXX bankruptcy reported XXXX XXXX not my account. 
XXXX XXXX {$260.00}. not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is regarding my XXXX XXXX account ending in XXXX. I have been in the XXXX  since XXXX with XXXX  and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX  and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on XXXX XXXX for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell XXXX XXXX  what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on XXXX XXXX supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband XXXX XXXX three days ago from XXXX. 

XXXX need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST XXXX, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!

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