BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
15, United States Code ( 15 USC 1692f ), is a provision within the Fair Debt Collection Practices Act ( FDCPA ). This section outlines various types of practices that debt collectors are prohibited from engaging in while attempting to collect a debt. It includes activities such as : Collecting amounts not authorized by the agreement or by law Accepting a post-dated check and then attempting to deposit it before the date on the check Communicating with consumers regarding debts by postcard Using any language or symbol on envelopes that indicates that the communication is from a debt collector Threatening to take action that can not legally be taken or that is not intended to be taken In summary, 15 USC 1692f specifies a range of practices that are considered unfair and abusive when collecting debts, aiming to protect consumers from inappropriate debt collection methods.

Unfair Practices 15 U.S.C. 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. For example, a debt collector may not : Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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 list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Preferred Lease : # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have 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 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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There is this account on my credit file from a company called XXXX XXXX, XXXX  removed the account from my credit file but Transunion and XXXX have not removed it, I need them to remove this account because it doesnt belong to me. I took a picture of XXXX XXXX to show XXXX and transunion that XXXX  removed the 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 2020-09-17
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX @ XXXX this person cashapped me {$500.00}, which I was expecting because we were in a group, she gifted me my {$500.00} as expected along with others. Then on XXXX XXXX I received a notice from Cashapp that stated they were refunding the {$500.00} that was gifted to me over 2 months ago because she filed a dispute. Why? When I received this noticed I contacted my bank XX/XX/XXXX after work about XXXX, I left a message with the customer service explaining the situation, it was late and they were closed but she will put a note in and they will return my call tomorrow morning XX/XX/XXXX, by then cashapp had already started deducting my {$500.00} from my bank account. I tried contacting cashapp as the bank had ask me along with unlinking my bank information until I find out what was going on. Cashapp does not have a number to call for customer service but in their terms and conditions they do. I tried calling all of the different numbers but to no avail, no one answers, one automatically hangs up with a beeping sound, and one talks about military loans and things etc., So I found an email option, I emailed cashapp ( XX/XX/XXXX ) and ask them if they can give me some clarity to what was going on and why they took {$500.00} from my banking account? I then received an email from cashapp stating my account is closed. Also stating after reviewing my transfers of funds they stated I was in violation of their terms. I don't understand that also, I did nothing illegal to have my account closed, I also have {$130.00} in there that now I don't have access to or can't get. I'm confused about this whole cashapp situation and would like for my {$500.00} to be returned because I did not steal it! And would also like to have access to my remaining money in my cashapp account. Cashapp did not contact me at all about anything, ( you would think they would if they said it was a dispute, a dispute consist of more than 1 person ). This transaction ( gift as stated in the memo ) took place over 2 months ago and for them to think it is ok to go into someone account and take their money with no communication whatsoever, and then close your account keeping the money that is in there!! I will be waiting to hear from cashapp so I know how to proceed with this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX XXXX refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows XXXX  XXXX XXXX has not been paid

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2019-03-12
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Loss mitigation procedures. 

We are filing a complaint because the servicer, Loancare received a loss mitigation application request on XX/XX/2019. On XX/XX/XXXX we confirmed with XXXX in the loss mitigation department that this application for loss mitigation was received. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application. This is an FHA loan. They should be reviewing me for authorization to participate in the program. When we call in we get no information on the review of my application to participate in the FHA - PFS program.

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 2022-10-03
Company: NAVY FEDERAL CREDIT UNION
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:
Navy federal has been reporting late payments on my Auto and personal loan after they said and sent me a letter saying that my account was in deferment and the original term of my loan was extended. But added 30 days late on all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A cease and desist, as well as a request for a proof of contract was sent to Harris & Harris , Ltd. on XX/XX/2020. However, Harris & Harris , Ltd. refuses to respond. Instead harassing and contacting me every day threatening jail and law suit, a couple of times a day since the date listed on the notification letter, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Carter-Young, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Carter-Young Collection Agency sent me a letter dated XX/XX/XXXX stating money is owed on an apartment rental for my ( at the time XXXX student son, which had been paid. My bank sent a letter saying it was paid. No contact was made to me by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating any amounts were owed on my son 's account, prior to the Carter-Young collection letter. 

XX/XX/XXXX : I sent a letter to Carter-Young Agency requesting proof of debt and authorization to by XXXX XXXX  to send me a collection notice, via U.S. Postal Service via Certified Mail Receipt XX/XX/XXXX : XXXX XXXX signed for receipt of my letter requesting proof of debt. 

I have Copies of Collection notice, Certified Mail Receipt and signed receipt by XXXX XXXX attached. 

I was not provided with proof of debt by Carter-Young. 

The negative reporting is still present and showing on my XXXX, XXXX  and XXXX  credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Due to COVID-19 I received a 4 month deferment on payments, however I continued to make biweekly payments despite deferment. On XX/XX/2020 the online system and statement showed {$2100.00} as unpaid balance, {$9.00} finance charge and {$570.00} late charges, totaling {$2700.00}. Therefore I paid the {$2700.00}, upon completion of payment a notice appeared stating I would receive information on title tracking. My statement showed I had a XXXX balance due for XX/XX/2020, however I never received any information concerning my title. When I went back online there was a {$580.00} late charge balance showing, therefore I emailed Ally asking them how could I all of a sudden owe {$580.00} after my balance was paid early in full. I contact Ally by phone on XX/XX/2020 @ XXXX central time and spoke with XXXX , who didn't appear to be able to assist me and was frustrating my wife, so I requested to speak with a supervisor. I was conected to Ms. XXXX, I asked if she was a supervisor and she stated she was taking supervisor calls. I explained she could review my statement from XXXX, XXXX and XXXX see that the current {$580.00} late fees had been notated after my balance was paid in full, which was not ethical. The online account now stated I owed {$600.00}. I informed Ms. XXXX I had no choice but to pay the {$600.00} to receive my title or continue having charges added. I told her I would pay the {$600.00} and file a complaint requesting a complete investigation. 
It is unethical and wrong to take advantage of customers because they have no choice but to pay. If those fees were owed the online system would not have recalculated my required payment due to early payoff, and my statement would not state zero balance for XX/XX/2020. Only for {$600.00} to supposedly be owed XX/XX/2020. Modern day theft is what these companies are allowed to do.

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 2021-11-03
Company: High Point Asset 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:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX  11. XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-27
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
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:
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. 

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  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: PNC Bank N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I visited PNC of XXXX NJ to enroll in a forbearance program on a personal line of credit early on when the Corona virus came about. I spoke with a banker there who never informed me that branches can not do forbearance or extension programs. As a result of our discussion I was led to believe that the process had started and the loan was put on extension. On the contrary nothing was done and as a result the line of credit fell into a 120 day delinquency. I am in the process of trying to get approval for a mortgage and I have been advised by 4 lenders that based upon the delinquency there is no way I could ever qualify. I have sent disputes in to all 3 credit agencies and awaiting their decision. I  am a retired XXXX XXXX on a XXXX pension from XXXX. I need to qualify for a mortgage in order to down size to a smaller house due to loss of income as a result of Covid. PNC claims there is no proof that a request was put in and are of little help to rectify my credit report. I am not looking for anything other than getting this delinquency removed from my credit report. As of now PNC has escalated the case within corporate for investigation. The reason for my submission to CFPB is to help me in having PNC Bank simply write a letter to the credit agencies and remove error of the 120 day delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX  that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.

Company response to consumer: Closed with explanation