BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-26
Company: AVANTE
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OK this is XXXX XXXX XXXX A company name XXXX XXXXXXXX has put a false and negative collection on my credit report. This has drop my credit score 29 points .. I had a XXXX score now I have a XXXX.this is false because I do not owe them anything. I never heard of them at all.. I think they brought the debt from some one because the debt is not mind I have not a clue what they are talking about.. According to the fair credit reporting act. by LAW they have to VERIFY the debt. they Have to have the ORIGINAL CONTRACT .or ME on camera signing the ORIGINAL CONTRACT .OR my IP ADDRESS opening a ORIGINAL CONTRACT .. when I request this things they got nasty with me over the phone.. SO I Request it in writing they did not respond to my request. they just Proceeded to VIOLATE the fair credit reporting act .. Now I want to SUE them AND I need your help >BECAUSE they hurt me and my score. XXXX XXXXXXXX COLLECTION AGENCIES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX they brought my information of a public record of a federal lien on me and my business Which I payed off in full.. I started RECEVING phone call and letter ever sence then..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a duplicate collection listed on my credit report from XXXX XXXX XXXX. TransWorld Systems claims to be the agency that should be collecting I did pay them about XXXX dollars in the past, but now XXXX XXXX is claiming I should pay them. I can never reach anyone from XXXX and had to ask XXXX XXXX XXXX SEVERAL times who indeed I should be paying they told me XXXX XXXX but would not put it in writing. I asked the electric compnay if i could pay them directly and they said yes. The debt still remains after disputing with all three bureaus and specifically asking them all to confirm with the electric company WHO is the owner of the debt. They both still remain on my credit report. My ex, an electrician rigged the electric attempting to avoid his portion of child support. He admitted it but I am still being held responsible although he offered to take responsibility. How did electric get taken without anyone knowing including me to the tune of XXXX? Are the duplicates being ignored because I am branded a theif? Not fair. I dont have any track record of being a thief and he should be held accountable. Not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK/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 2017-01-07
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After reviewing documents, I have discovered that A mortgage was given to my deceased father without my consent. I am also an owner of the property and since he is dead, no longer has any entitlement to said property ... nor does the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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:
TRANSUNION HAS PROVEN THEY DO NOT CARE ABOUT THE CONSUMERS DISPUTE PROCESS, instead the ensure to protect their customer the business that pays big money for their service. The last thing that TRANSUNION WANTS TO DO IS UPSET A CUSTOMER AND LOSE THEIR BUSINESS, EVEN WHEN THE BUSINESS IS WRONG. 

TRANSUNION DOES NOT PROVIDE A COPY IF THE BUSINESS RESPONSE THEY JUST SAY THE BUSINESS RESPONDED, they were correct so the derogatory remark stays.

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 2023-04-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX for over a year. The dispute keeps coming back verified when it's not. I have reached out to the creditor and asked for the original documents saying I owe the debt and they have yet to furnish it. On XX/XX/23 I faxed a letter saying to provide me with documents and proof of delivery, but instead of providing me what I asked for they mailed me a letter about another account that's not even with them. Not only are they refusing to mail me documentation, but they are also refusing to talk to me over the phone to correct the issue. The creditor also has changed the status of the account and the date of the last activity when there has been no activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have received several phone calls claiming to be working with federal government to reduce credit debt. They know my approximate debt amount, last XXXX of social. They offer help via XXXX XXXX to help with debt... I was supposedly flagged for the benefit. I told them not interested, not to call any more, and that I died XXXX  days ago. His response stop lying, at which point I hung up. I usually don't answer phone with unknown numbers, but have some incoming calls related to my XXXX XXXX health that I need to take. 

I suspect the call is coming via a credit bureau to know what they know. I have frozen my credit so that only I can access. I use Credit Karma to track so they are likely culprit. Numbers that have call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are from this month. I have not called them back and I did not answer all of the calls. I captured the numbers via caller ID. And you see the common theme with extension. It was the same person that I spoke with for the first call and the last. 
Thank you for any assistance. I'm very concerned with the information they do have and not sure what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Square ( now called Block ) has devactivated my account and held onto funds since XX/XX/2022. They will not release my funds. I have been 'escalated ' at least four times to solve the problem, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have multiple inquiries that are fraudulent and I never applied with these companies I want them removed from all public consumer reports. 
I have tried multiple times and this credit reporting agency will not remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A PERSON RENTING A ROOM FROM ME PAID RENT ON XX/XX/20 FOR {$500.00} AND TWO DAYS LATER SHE PAID {$50.00} TWO TIMES FOR A TOTAL OF {$600.00} FOR THE MONTH OF XXXX ON THE XXXX OF XXXX WHILE I WAS AT THE BANK MAKEING A WITHDRAW A TEXT CAME THRU SAYING THAT MY ACCOUNT WAS BEING DEBTED FOR {$500.00} REFUNDING TO RENTER CASH APP TOOK {$500.00} FROM MY XXXX PAYMENT THAT WAS DEPOSITED THAT DAY CASH APP CLAIMS THE PERSON DISPUTED THIS WITH THEIR BANK AND CASH APP IS REFUNDING THEIR MONEY CASH APP PROVIEDS NO INFO AS THE THE NAME OF THE BANK AND THE REASON THEY DISPUTED THIS ALLOWS PEOPLE TO SCAM CONSUMERS CAUSING HARM TO THE PUBLIC A PERSON CAN RENT BUY OR HAVE SERVICES PAY FOR IT THEN LIE TO THEIR BANK AND SAY ITS FRAUD AND GET THE MONEY BACK WITH THE CO NSUMER BEING SCAMED AND CASH APP TELLS YOU TO DEAL WITH THE SENDER THE SENDER IS BEING EVICTED SHE CLAIMS CASH APP ACCOUNT IS HERS BUT GIRLFRIEND HAS HER EMAIL ON IT AND THE BANK CARD BELONGS TO SOMEONE ELSE SO ALL THEY HAVE TO DO IS DISPUTE THE RENT PAYMENT FOR {$600.00} FOR XXXX AND CASH APP JUST LIKE THAT WILL TAKE THE MONEY FROM ME CAUSING MY ACCOUT TO BE NEGATIVE THIS IS A UNFAIR AND DECEPTIVE ACT BEING ENABLED BY CASH APP HOW MANY PEOPLE HAS THIS HAPPENED TOTHIS IS CAUSING HARM TO CONSUMERS AND THE PUBLIC EVERYWHERE CASH APP HAS RECOMENDED I SEEK LEGAL ADVICE OUTSIDE CASH APP SOUND LIKE SOMEONE NEEDS TO LOOK AT CASH APP THEY ARE ALLOWING FRAUD NOT INVESTAGATING MY CLAIMS JUST THREAING ME WITH EXCESSIVE DISPUTES WILL CLOSE MY ACCOUNT, ,I 'VE BEED SCAMED A FALSE DISPUTE FILED AGAINST ME AND YOU TREATEN ME ADVISING ME TO DEAL WITH THE SENDER, PEOPLE THAT YOU RECIEVE CASH APP FROM MAY NO BE FRIEND OR FAMILY SO HOW CAN A COMPANY TELL YOU TO DEAL WITH THE PERSON THAT USED CASH APP TO SCAM ME TO RESOLVE ANY ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions 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 victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and Experian, XXXX and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

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 2017-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for X/XX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. The lender is also not allowing time for the appeal period to be address and responded to prior to proceeding to sale. The denial letter has also not been received.

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 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hard inquiries I did. It aithorize on my trans union credit 1. XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/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 2019-08-11
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Mr. Cooper last month. Literature sent and information online indicated that payments must be mailed to the original mortgage company or Mr Cooper. I had previously set up direct withdrawal for my mortgage ( set on the XXXX of the month, which is also the due date ). 

Up until XX/XX/2019, I did not have any account information to send a payment by mail to Mr. Cooper. On XX/XX/XXXX the Mr Cooper account page became available and I was given the option of making my payment ( then 6 days past due ). I made my payment on XX/XX/XXXX. 

Today ( XX/XX/XXXX ), I checked my bank account and see that Mr. Cooper took out the payment I authorized on XX/XX/XXXX and also another payment on XX/XX/XXXX ( at slightly less than required payment for some reason ). 

I did not authorize 2 payments from my account. I have not been able to get a response from Mr. Cooper. I have other bills due and need the money returned. This second withdrawal makes no sense, was not authorized and upon looking at the Mr Cooper web page, has not even been applied to my mortgage. 

I am currently in the process of refinancing my home in order to avoid dealing with Mr Cooper. These unauthorized actions by them only serve to negatively impact my ability to refinance and separate from Mr Cooper. 

I can only assume that this additional withdrawal is an active and intentional effort to keep me from closing my contract with Mr Cooper. 

Please help me to have my funds returned to my bank account ( or at least to get some response from Mr Cooper )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected or discarded. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
After entering a large amount of personal information, I was notified that I was preapproved by Bank of America for credit card. 

Based on this, I applied for credit card and was rejected due to too many credit inquiries. 

I called Bank of America to complain and to ask them to reconsider but they said I had too many accounts in the last year. 

I am writing to CFPB because I am injured by another credit inquiry for a card i was preapproved for, but yet unable to get. 

Had i not been preapproved I would not have applied and incurred an inquiry.

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 2020-11-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020, I called Chase to request a credit line increase since the holidays are approaching. The representative stated that there will be a hard pull from my credit report. For the record, my credit score with XXXX is XXXX, XXXX is XXXX, and Experian is XXXX. I even have a XXXX Bankcard Score 9 of XXXX which is exceptional. The representative placed my call for a long hold. When she came back she indicated that the request was denied and could not tell me the reason. She also indicated that I will get a letter in the mail indicating the reason in writing. I got the letter and the latter states : " Too many installment loans other than mortgage, automobile or student loans. '' I disagree with this since my credit behaviors speaks loudly that I am a low risk customer and I also have excellent credit across all bureaus. I have never missed a payment and to me this is not acceptable. I get mailers all the time to open savings and checking accounts with Chase, after this rejection ; I will not even entertain such offers from an organization that rejects excellent paying customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-05-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citizens Private Client Money Market XX/XX/XXXXDeposit {$310000.00} Total : {$510000.00} Made this deposit in XXXX and was told that our rate would increase from the XXXX XXXX XXXX 1 % to the XXXX XXXX 3 %. 
Hasn't happened. Been to my local bank twice to check on any progress ( NONE ), and was assured that the 3 % rate would be retroactive to the XXXX deposit date ( hasn't happened ). This is all completely unacceptable. Also, I missed by a day a promotion increasing the XXXX XXXX rate from 3 % to 5 %, because I had no notification in advance. 
Unrelated, I had to catch a deposit error leaving {$600.00} off my checking account. Not sure if the bank would have caught the error. 
Was sent a bank-rating questionnaire and mentioned the interest-rate issue. Never heard back. 

Correct this immediately, with the retroactive interest. 

Contacted Citizens Bank and was told the " promotion '' offer of 3 % was not in effect in XXXX ( local branch assured me it WAS ), but since then no interest increase has been applied to my account. It is now XXXX and the Bank 's rate is now 2.96 %, yielding 3 % annual, NOT affecting my account 's 1 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
on XX/XX/XXXX i sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating " They do not report any bankruptcies to anyone '' so if that is the case hoe did the credit bureaus verify my bankruptcy as 100 % valid. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous of times.

the credit bureaus violated my given rights under 15 USC 1681.

states i have the right to privacy.

accordingly to 15 USC 1681 section 602 A states i have the right to privacy.

according to 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a accont without my written instructions according to 15 USC 1681 s-2 A 1 a person shall not furnish any information relating to any 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