BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved out of state in XX/XX/XXXX therefore, Insurance for my vehicles was canceled with XXXX and they kept charging my account without consent they also took a downpayment to renew without a signature and charged my bank acct. XXXX   XXXX XXXX has provided a permanent reimbursement and felt that they were owed {$210.00} this reversal was paid to XXXX and I have all the written proof from the bank that they honored my fraud claim and also paid what they felt was " owed to XXXX '' XXXX now sold my information to an outside collector that has been harassing me and they are not even willing to hear me out I am trying to show them proof and asked for management and they are extremely vulgar and lack of mannerism towards me and unwilling to accept literature as proof from me and my bank. I have all the proof and now attaching to this claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
American Express XXXX XXXX I called American Express and explain I had fraud on my account and because I was not paying the account because of the fraud I was waiting for the police report. They close my 2 account and took me to court and list my account in the credit bureaus as a negatively charge off. This charge is all fraudulent, but they would not answer or return any of my calls. I was with this company since XX/XX/2001 never late had no problems always paid on time. I need these charges remove of account and restored my account to full balance. The contract signed states Im not to be held reliable for fraudulent charges. Please provided a clear explanation and evidence of your decision. This account became fraudulent when my spouse that worked for XXXX XXXX past the same day my father past. I could not cope by myself in XXXX, so I move to XXXX XXXX to be close to family for support. My house in XXXX  was broken into and the police contracted me to let me know of the situation a lot was stolen including my identity among things. DMV have informed me that there are 2 other individuals in XXXX XXXX  has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the company can request a copy of the information and they will send it to them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
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:
XXXX XXXX has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN END CONSUMER CREDIT PLAN LATE FOR ANY PURPOSE.

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 2022-11-01
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The check # XXXX was negotiated by somebody else sometime around the end of XX/XX/2022 ; not by any of us. 

I was given a runaround within the last XXXXXXXX XXXX trying to figure out where my money is. 

I already called, emailed to XXXX representatives, asking where my money is, to cancel the check, reissue the check, but it turned out none of the requests was successful without a valid reason. 

My multiple requests to stop and reissue the check, as well as to investigate what was going on with my check, was not handled appropriately by UWM. If my case were handled correctly at the beginning by UWM, the check would have been stopped successfully, and re-issued to me without an issue. 

Previous CPFB case was XXXX, and I was advised to contact XXXX to get the issue resolved. Why do we need to get hold of XXXX when the check was from UWM - the issuer, to me? 

As of XXXX XX/XX/2022, I am still at a loss of {$730.00} I am demanding the money of XXXX to be sent to me as soon as possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Rent Recovery Solutions
State: SC
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:
" Rent Recovery Solutions '' and " XXXX XXXX XXXX '' are extorting multiple people for old debt not owed. I am a former tenant of XXXX XXXX XXXX owned by XXXX XXXX XXXX. I followed current Lease termination agreement at the time to a tee. Giving them a 30 day written notice, as well as communicating with the local property management. I left my apartment under good standing. As a matter a fact I over Paid by {$500.00} to cover any residual or pending fees - such as a {$35.00} a day rent ( as property managXXXX stated ) till unit was rented and occupied. That happened less than 24 hours after I left. Tenant was occupied XX/XX/XXXX - confirmed by property management. Also confirmed by myself as I had to retrieve mail from the new tenant. ( He had my bank statement and opened it ). I had reached out a many times in XXXX, and XXXX trying to collect my security deposit and refund over payment. They seem to roll over XXXX XXXX a lot. Never got anywhere - fast forward almost 6 years later - I get a ding on my credit report. I reported to XXXX, and NC Govt consumer site. 
They are trying to collect debt not owed - and using my former residency as a SCAM. I fulfilled my requirements at the time and OVER PAID. I want my credit report fixed, and return {$650.00} owed back to me for over payment & security deposit. I have reached out to corporate and got a VM of XXXX in Legal for XXXX XXXX - never heard back. I am also seeing a trend of this behavior on the XXXX  site. I am not the only victim of extortion. 5-6 years later. ( After the fact ) Why Now? Using tenants as a way to boost profit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 non-monetary relief
Consumer complaint received 2023-04-30
Company: Alliance CAS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was laid off due to COVID, and was having trouble with mortgage payments. The mortgage company, modified the loan, and then issued new dates to start making payments, during this time the Homeowner 's Association, sent a bill, in which we had trouble paying for {$400.00} for the annual payment. I tried to let XXXX XXXX XXXX Homeowner 's Association know that, we had trouble making the payments, but by then they had turned the account over to Alliance CAS, in which {$400.00} was paid for the missed yrly payment, now Alliance CAS sent a letter stating we now have at pay them, over {$2800.00} in total for lawyer fees and other fees, including the fees due. I wanted to speak with the original creditor, which is XXXX XXXX XXXX XXXX. to make any payments, in which I was contracted with them to do so. There was no understanding from the Homeowners Association, on the part of trying to work out a payment at the time, and anything paid to them is not going to XXXX XXXX 's but to Alliance CAS.

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 2021-05-03
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was sold to another mortgage company. 

New mortgage company starts deducting second payments by autopay from my bank account. They are taking 2 payments for 1 month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with Capital One Bank Usa. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and Capital One Bank Usa with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: MO
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:
In XXXX  and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
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:
XXXX XXXX of XXXX, I settled two accounts with HSBC Bank XXXX However, they still show up on my XXXX credit report as " Charge Off ''. 

***On XXXX XX/XX/XXXX, I filed two disputes with XXXX  XXXX and I received word on XXXX XX/XX/XXXX that both investigations had concluded. For each case, XXXX reported that HSBC confirmed that the reporting was already accurate. 

***After several conversations with XXXX representatives, I contacted HSBC . A person called " XXXX '' in their Recovery Department, verbally told me that the reporting had formerly been inaccurate, but that they had sent a correction to HSBC on XXXX XX/XX/XXXX. He offered to send me letters explaining the change. 

***On XXXX XX/XX/XXXX, I received two letters dated XX/XX/XXXX from HSBC . Each stated that my " credit bureau report will be updated to reflect the following 'Charge-off : Settled for less than the Full Balance '. '' ***My XXXX credit report continues to list the accounts simply as charge-offs. 

***I contacted both HSBC and XXXX again after receiving the letters. 

***HSBC representatives told me that they had sent further information to XXXX on XXXX XX/XX/XXXX ( after the closing of both disputes ), but were unable to tell me what information had been sent. 

***XXXX  representatives told me that they could tell me the updated information for a fee. However, when I explained that I was already viewing my free consumer credit report from today 's ( XXXX XX/XX/XXXX ) date, the representative told me that any information she gave me would be exactly the same as what was reflected there. 

***As it is my understanding that accounts listed as " charge-offs '' are considered to still be owed, I want my report updated to reflect that both accounts have been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a recast mortgage via BofA and paid a higher percent for this type mortgage so I could pay down the mortgage after the sale of another property. I want to recast the loan by putting an additional 20 % down to eliminate the PMI. The mortgage was sold soon after the loan was originated, yet the BofA Is still servicing the account. 
I have called multiple times and left messages for the person who should be assisting with recasting the loan, XXXX XXXX. I have left voice mails him as noted below and then tried to get assistance from the service DEPT. often I have held for +2 hours. 
XX/XX/XXXXadvised by rep unable to assist because of system upgrade. 
XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other Yesterday, Saturday XXXX XXXX I receive a letter from BofA stating we have received a request to cancel your PMI and the loan is not eligible due to the LTV ratio. 

This is not what I requested. I requested the loan be recast by me adding an additional 20 % towards the principle. 
Obviously there is a communication disconnect at BofA as they do not realize what type of mortgage this is and loan can be recast without refinancing.

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 2020-09-13
Company: National Credit Adjusters, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I originally had a debt with XXXX XXXX over 7 years ago. That original debt fell off of my credit report last year, and now The National Credit Adjusters re-opended that same account with a date of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Financial Data Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Financial data systems never sent me prior notice of this alleged debt as required by federal law to give me the right to dispute, additionally they have violated my privacy rights, along with hippa law. Please see NOTICE OF DISPUTE letter attached for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: EOS 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 would like to remove the inquiries that are were maid with out my written consent. Along with accounts that been falsly opened for year 's under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, XXXX XXXX, consumer and natural person am writing to the Consumer Financial Protection Bureau on my behalf. This is not a third party or agency filing this complaint. 

The company, TransUnion, are in violation of Federal Law 15 USC 1681 ( b ) -Permissible Purpose Of Consumer Credit Reports which clearly states : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the company, TransUnion to furnish any late payments on my credit report. 
These items on my credit report need to be updated.

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 2019-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
capital one account numbers XXXX & XXXX both accounts charged off, NEVER sold to collection agencies if company took profit/loss -- A profit and loss write off on credit bureau report is really just a fancy way of saying that the credit card company decided that a given debt wasn't worth collecting and took a write-off for it. 
since they never sent to collections, I need to see the profit/loss on their tax lines for these two accounts. if they can not show tax reports as a loss, they MUST remove from all credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
{$390.00} was sent on XX/XX/2020 via XXXX XXXX for a product that was never received. I have the recipients contact information. They have responded when I contacted them via my extra email with the same scam. I have reached out to XXXX and Chase previously to no avail. 


Recipients information : XXXX tag : XXXX XXXX XXXX Email used : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: TX
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 following XXXX accounts 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 an account without my written instructions. 

XXXX XXXXXXXX XXXX Opened XXXX {$56.00} XXXX XXXX XXXX XXXX Opened XXXX {$100.00} SPECIALIZED XXXX Opened XXXX {$110.00} XXXX XXXX XXXX  Opened XXXX {$180.00} XXXX XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX  Opened XXXX  {$290.00} XXXX XXXX XXXX Opened XXXX {$720.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX {$1100.00} XXXXXXXX XXXXXXXX XXXXXXXX Opened XXXX {$1100.00} XXXXXXXX XXXX XXXX  Opened XXXX {$1800.00} XXXX XXXX Opened XXXX  {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions 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:
This complaint is against Experian XXXX. XXXX XXXX XXXX, TX XXXX. I disputed accounts on my credit report to have them verified and removed but Experian has failed to do a proper investigation using the e-oscar method to verify accounts listed on disputes and give me proper proof of verification on unverified accounts. My first dispute letter they received certified mail was on XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a second dispute letter to verify accounts on my credit report and they received it certified mail on XX/XX/2018 and they still did not give me no verification on accounts listed on letter. I then sent them a 3rd dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts. I then sent them a 4th dispute letter and they received it certified mail XX/XX/2018 and they did not give me no verification or remove unverified accounts.

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