BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the Laws of the FDCPA, I have previously sent XXXX XXXX a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe them. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I enclose copies of my requests to XXXX XXXX, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request to XXXX, XXXX XXXX and XXXX. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I AM REQUESTING OMBUDSMAN DEPARTMENT TO AUDIT MY INSURANCE/ESCROW ACCOUNT. THEY REFUSE TO REFUND FALSE FLOOD INSURANCE FEES, LATE FEES, ESCROW ADMIN FEES, AND HOMEOWNERS FORCED PLACED INSURANCE FEES OVER 10 YEARS TOTALING {$16000.00}. SEE ESCROW ANALYSIS STATEMENT XXXX. I LIVE IN A XXXX  XXXX, AND OVER THE YEARS, ALL MASTER BUILDING INSURANCE COVERAGE AND PERSONAL FIRE INTERIOR COVERAGE WAS EMAILED ON TIME. SEE COVERAGE FROM THE YEARS 2016 TO THE PRESENT. 

ALSO, THE ORIGINAL XXXX XXXX XXXX, AS A PRECEDENT XXXX NEVER REQUIRED INTERIOR COVERAGE SINCE OUR NEW XXXXXXXX XXXX  AT XXXX XXXX XXXX FLORIDA XXXX XXXX BUILDING ARE PREWIRED WITH SPRINKLER SYSTEMS/SMOKE DETECTOR ALARM SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, XXXX, and TransUnion Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.

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 2023-05-12
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 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 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 2022-05-05
Company: EQUIFAX, INC.
State: CA
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'm trying to request my annual credit report today and it will not work. After further research, I believe it may be because the addresses I've put in. I have moved around a decent amount in the last few years and can't seem to get any of the addresses I give to verify my identity enough to get the information. Is there some way I can still do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from XXXX XXXX. I called on XXXX2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2018-07-31
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling me for the past XXXX months. I've tried to get them to stop but they continue to leave me messages. This is an office phone number and they do not seem to understand that I am not the person they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: General Motors Financial Company, Inc.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been attempting to make principal reduction payments with GM Financial so that I can pay off my loan early and lessen the amount of interest I pay. There is no option to make a principal reduction when logged into my account online. I messaged a customer service associate for help and they told me to just make the payment and message them to apply it to principal. When I then did so they said they would apply to principal but could not provide me a confirmation. I asked how I could verify this and they it would appear on my statement. There is no statement available later than XXXX in my account online and when I view payment history there is no breakdown. Every time I try to follow up with customer service they do not answer my question and when I clarify my question they stop responding. I then tried to submit a complaint on this issues on the GM Financial website and it gave me a message that said my complaint could not be submitted and to call customer service. The problem here is that their customer service will not answer the phone. As a consumer I am entitled to transparency with my account, verification of how my payments are being applied, and account balances including principal and interest amounts, which I am not receiving any of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a payment to the bank to payoff my loan in the amount of XXXX on XX/XX/XXXX. The balance on the loan at the time was XXXX. 

I have not sent any addition payment, I have been calling the bank mortagage department to find out why they have not applied the payment. My mortgage balance is now up to XXXX. 

On the transaction statement you see the payment was received but not applied. I was told on XX/XX/XXXX that by XX/XX/XXXX the payment would be applied and my account settled. 

I have called at least 10 times waited on hold for over 4 hours on some calls. I have only reached a person on the phone 2 times. I been to the branch office three times. Only one person at the branch tried to help XXXX XXXX financial center manager was helping out at the branch office back in XX/XX/XXXX. 

Bank of America XXXX XXXX XXXX XXXX XXXX. 
Flower Mound, TX XXXX XX/XX/XXXX Unapplied Funds Payment {$1.00} XX/XX/XXXX MISAPPLICATION REV Reversal - {$2200.00} XX/XX/XXXX Unapplied Funds Payment {$1.00} XX/XX/XXXX MISAPPLICATION REV Reversal - {$17000.00} XX/XX/XXXX RECORDING FEE FEE - {$30.00} XX/XX/XXXX Unapplied Funds Payment {$17000.00} XX/XX/XXXX Unapplied Funds Payment {$17000.00}

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 monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I tried to refinance my home equity line of credit but Bank of America made up a bait and switch loan and impossible performance payments or never can pay off in our lifetime and never exactly applied for principal except ripping off interest in addition to BOA did not entity funded or money to us to be produced a huge amount {$350000.00} for principal balance due during XXXX to XXXX ( mortgage Fraud ) and again fabricated modification fraud during XXXX to Present. 
Modification Fraud : Bank 's pawns produced with illegal contract thru recite of statement alike settlement agreement and release to not sue Bank or do not bring out Litigation during XXXX to XXXX ( a ) Burden of Payments : Payment was increased almost {$500.00} to {$2500.00} payments each month. A pretended-beneficiary practiced foreclosure Primary resident On XX/XX/XXXX ( b ) Unreasonable extended years-term to 40 years more to in XXXX That is a slavery 's debt and loan in which i demanded to pay almost 100 years old ( abusive business and professional matter and merit ). 
( c ) Still remain same high interest and illusion and delusion of payments in bank 's account for recorded and reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
i called PayPal support to get a transaction that was on hold to be lifted off hold so i could pay for services for my business. the tech said he needed to put money on one of my cards to get it registered so he wanted a log me in thing set up so he could use my screen to do whatever it was he needed to do. so we installed an app allowing him access to run my computer. as the technical problems kept mound up he said one last thing we could try, get my wifes debit card we would transfer money from her account to PayPal my account and then put right back in her account. as i logged into her account he said he wasn't able to see the screen while i was logging in. so he transferred XXXX out of her account and then said he put it back. all while making another transaction to him self i didn't know about and tricked me into pushing the accept and pay button saying " don't worry it will be right back in there " any way so we got the hold lifted and my 2 payments of 500 went thru. then my wife the next day asks me why is there XXXX paid to that tech from PayPal? I don't know there was not supposed to be any payments made from her account, I tried to contact him back and have got no answer or return call. so i filed a report with PayPal and they said in the resolution department they couldn't do anything about it. so here i am hoping you can help. it was their support that did this and that money needs to put back in my wifes account. 

thanks for your time and immediate response on this matter. 
XXXX XXXX XXXX XXXX feel free to contact me for any further information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPITAL ONE sent me a collection letter dated XXXX claiming I owed an unpaid debt of {$14000.00} on a credit card # XXXX, which I never received from them, or ever used. 
On XX/XX/XXXX, I requested CAPITAL ONE provide me proof of such debt. CAPITAL ONE replied in a letter dated XX/XX/XXXX stating they could NOT provide any proof, giving NO reason about why, but asked me to call the bank directly. 
I spoke on 3 occasions by phone on recorded calls with Capital One employees, during which I was never offered an explanation of why proof of such debt could not be given. I wrote again on XX/XX/XXXX to CAPITAL ONE demanding proof of such debt be provided, and a list of transactions or charges made by me. 
In response, I received two letters from CAPITAL ONE, one dated XX/XX/XXXX and another dated XX/XX/XXXX making completely contradictory statements about the origins of this account. As follows : 1 ) The XX/XX/XXXX letter stated : " The application that you refer to was taken over the phone or the internet via computer or mobile device. so, unfortunately we don't have a paper copy to send you. '' 2 ) The XX/XX/XXXX letter stated : " According to our records, we received your application by Mail on XX/XX/XXXX and your account was opened on XX/XX/XXXX. The last charge billed to your account was on XX/XX/XXXX in the amount of {$52.00}. Your last payment received on this account was on XXXX in the amount of {$400.00} '' I pursued this matter further, asking again that CAPITAL ONE bank clarify this debt and provide me the requested proof of debt, or any proof of account activation, or a copy of statements showing charges made by me on the account. I sent three letters dated XX/XX/XXXX ( 4th request ), XX/XX/XXXX XXXX XXXX request ), and XX/XX/XXXX asking for this information. It was never provided. 
After sending six separate written requests for the most basic information about this debt, and having received none of the information from CAPITAL ONE that I am entitled to, I can only conclude that it will not be provided for unknown reasons. CAPITAL ONE has failed each time to provide me any proof of the debt, such as the following items : A credit card agreement signed by me. 
Any application filled out by me, sent via regular mail or via internet. 
Proof of any record of an application taken over the phone. 
Proof of any account activations. 
Itemized list of any transactions with dates, or charges, made by me to the account. 
This situation has harmed my credit score and credit eligibility for years now. Over time, I have seen my credit limits lowered, and interest rates increased for no reason other than the existence of the CAPITAL ONE derogatory entry in my credit report with the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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 Credit Reporting Act XXXX Account # 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 2020-10-17
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 fraud alerts or security freezes

Complaint:
Regarding : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX - XX/XX/XXXX I placed a fraud alert with all three credit agencies due to suspicious activity. 

XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX 's ) checked my credit via TransUnion, and neither XXXX 's nor TransUnion contacted me to validate my identity before issuing an in-store credit card to someone that stole my identity. Since then, my credit has been severely damaged, and I am being constantly hounded by debt collectors due to this delinquent account. 

Other attempts to obtain credit using my identity were thwarted by the companies that contacted me regarding the fraud alert on my account, during the same time period that XXXX 's extended credit. 

This is, of course, a direct violation of The Fair and Accurate Credit Transactions Act of 2003 ( the  FACT Act ).

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 2022-12-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act, the list of accounts below has violated my federal protection, consumer rights to privacy and confidentiality under 15 U>S.C. 1681 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 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 XXXX15 U.S.C.1681 Section 602A States i have the right to Privacy,15 U.S.C.1681 604 A Section 2 : : a consumer reporting agency can not furnish a account my written instuctions,15 U.S.C. 1681c. { A } { 5 } States no consume reporting agency make any consumer report containing the following items of information Any other Adverse item of inform.other than record of conviction crimes which antedates the report seven yrs. Also 15 U.S.C.1681S-2 { A } { 1 }

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