BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
Good evening, In accordance with fair credit reporting act convergent, account # 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, that I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states as well that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX. XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX. XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809, 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Care credit charged promotional interest. I spoke to a care credit rep and explained my COVID hardship and that my mother had pass. She said I could call back and care credit would waive promotional interest. Well I got another rep and she told me it could be waived. I asked for manager and it just got worse. No one helped. One manager said she would pull the tapes of me and the first rep speaking. Remember I requested this investigation. Well lo and behold when care credit called to tell me they would honor the waiver of the promotional fees for s one time only request Was the day the phone disconnected. The operator spent more time saying she couldnt hear me then telling me I had one day to pay., so I didnt get to hear the purpose of the call and the manager didnt call back! I had no return number. She didnt follow up. When I got thru the next day the rep said she see the notes, she sees that the phone was disconnected but unfortunately that offer was for one day only. This is unprofessional and unscrupulous behavior. To note account that the phone disconnected, to not call me back to say I had one time to pay. And to know I had no call back to the manager that decided to allow me to pay balance without promotional interest is a conspiracy. These managers get together and represent CareCredit in the most disrespectful way that words cant explain. The tapes say it all and one day they will be fired!

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 2020-10-13
Company: BARCLAYS BANK DELAWARE
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have a Barclays Bank AAAdvantage Credit card. Our monthly payment is due on the XXXX of the month. This past week I received our regular email notice of a payment coming due. The email stated this, " Your AAdvantage Aviator Silver World Elite Mastercard account payment is due on XX/XX/XXXX. 

To avoid being charged any late fees or additional interest, your payment must be received by XXXX XXXX   ET on XX/XX/XXXX. 

I doubled check my bill and it is due on XX/XX/XXXX. I contacted the customer service department and was told yes my payment is due on the XXXX. 

My complaint is, why did Barclays wrongly threaten me with fees and interests payments, do they do this every month to everyone?

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive attached my previous complaint along with supporting proof that this does not belong to me.

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 2023-02-06
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 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 2022-04-28
Company: Spring Oaks Capital, LLC
State: KY
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 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Experian, XXXX, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. 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 2018-02-27
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
LOAN  #  XXXX   LOAN  MODIFICATION WITH  OCWEN  

ON  XX/XX/XXXX  WE  REQUEST  A  BASIC  LOAN  MODIFICATION  FROM  OCWEN  LOAN SERVICING  www.ocwen.com  TOLL  FREE  XXXX   AFTER  6  MONTHS  WAITING  THEY  OFFER THE  NEW  PAYMENT  PLAN  BUT  THEY CHARGE  US  OVER  USD  9000  AD  TO  THE  PRINCIPAL  WITH  OUT  ANY  INFORMATION  OR COST  DETAIL    MY  HUSBAND XXXX XXXX  NEVER  AGREE WITH  THE  USD  XXXX BUT  TO  AVOID  MORE  CREDIT DAMAGE AND DELATE  THE  PAYMENT WE  SIGN A  TEMPORARY  AGREEMENT WITH OUT A  LAW FIRM  AND  WITH  OUT  NOTARY  - ON  XX/XX/XXXX  OCWEN  SUPPOST  TO  GIVE  THE  INFORMATION AND  AFTER  2  MONTHS WAITING  STILL  WE  DO NOT  HAVE ANY INFORMATION    ALSO  EVERY  MONTH  THE CHARGE  US  USD XXXX  ESCROW  FOR  XX/XX/XXXX .  
ALSO  OCWEN  REFUSE  TO  PROVIDE  THE  XX/XX/XXXX PAYMENT  REPORT  FROM  US    WE  DO  NOT  KNOW  HOW  MUCH  WE  PAY FOR  PRINCIPAL  YET    . OUR  LOAN  BALANCE  ON XX/XX/XXXX  WAS  USD  XXXX  AND  NOW  IS  OVER  USD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Williams & Fudge, Inc
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A person identifying themselves as " XXXX '' called my place of employment 8 times in one day trying to get in contact with me on XX/XX/XXXX. My administrative staff believed it to be some sort of emergency because of the repeated calls. When I returned to my desk, I called the number that was left. " XXXX '' identified himself as someone working for Williams and Fudge who was looking for who they had reason to believe was my spouse about a " business matter. '' I told him that I do not know who he is and I will not confirm that the person he is looking for is my spouse, again because I do not know who he is. I told him that he is not to contact me again in attempts to contact someone else. I told him explicitly that he does not have my permission to contact me at work looking for someone else. I repeated myself that he can not call me at work and asked him if he understood. He said that he did. 

Today, XX/XX/XXXX ; a man identifying himself as " XXXX '' from Williams and Fudge called me at my place of employment saying that he had to " talk to me about a business matter with my spouse. '' I recognized the name of Williams and Fudge again and said that I spoke with someone from there weeks ago that they do not have my permission to call me at work looking for someone else. I repeated myself and told him not to ever call me at work looking for someone else. I then hung up. 

I believe they are harassing me. Calling constantly and ignoring my demands that they not contact me at work when they are trying to actually contact someone else. I refuse to confirm with them whether the person they are looking for is my spouse because again I do not know who they are or for what purpose they are trying to contact this other person. Regardless, they have been told multiple times that they do not have permission to call me at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act 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 Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
This account was reported as identity fraud and it was sold from XXXX  XXXX when acct charged off to XXXX XXXX back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the Equifax and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Movement Mortgage has failed to manage my Escrow Account & Escrow Funds properly, in direct violation of the Code of Federal Regulations CFR 1024.17 ( k ) ( 1 ). 

Details : Movement Mortgage failed to disburse funds from my Escrow Account for my annual Homeowner Insurance Policy Renewal, which was due XX/XX/2023. 
On XX/XX/2023, I reached out to Movement Mortgage to inform them of their failure to disburse funds on or before the due date as required per CFR 1024.17 ( k ) ( 1 ). 
I informed them that due to their failure to disburse funds on time, I contacted my Homeowner Insurance provider directly, and provided direct payment to them which they required in order to avoid a lapse in coverage. 
Movement Mortgage then proceeded to disburse the funds to my Homeowner Insurance provider LATE, and only AFTER I reached out to them regarding their failure and after I informed them that I paid my Homeowner Insurance provider directly as a result of their failure. 

This is yet another instance of the constant/nonstop unethical business practices perpetrated onto me by Movement Mortage and is in direct violation of Federal Regulations. 

This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is my second complaint against this debt collector. First Complaint number XXXX. For the past three weeks, I have been called by a process server who states that his name is XXXX XXXX, with XXXX XXXX XXXX. He continues to threaten with legal papers for a debt that is supposedly 19 years old. I have spoken with XXXX XXXX XXXX XXXX  on a number of times about this debt. I do not owe it. Secondly, both the statute of limitation has passed. This is not the truth. They are claiming that I last made a payment in XXXX, thus the debt is still good to file a lawsuit with. I confirm that this debt when into collection in XXXX because I was forced to move out of the house. 

I requested their mailing address, but they refused to give me that. I have asked for paperwork on this transaction. But they refused to give me anything. I have voluntarily given them my home address. Yet, they will not give me anything on the debt. 

Finally, I told that to send me a settle agreement with their address and I would reply. This was the only way that I could get them to give me their address. Attached is the document that was emailed to me to XXXX. 

These people are totally unethical. They continue to threaten me with a sue if I do not comply. XXXX XXXX continues to leave messages stating that I have been notified and I will be served. 

Now, I confirmed that this debt was associate with a home in XXXX GA. It was a brand-new home. The government file an eminent domain on this property. The house was only 2 years old. I purchased in a new subdivision. The government paid off all debt on this house and I do not owe anything. You can XXXX the street of XXXX XXXX XXXX XXXX in XXXX. The causeway is call XXXX XXXX XXXX. As you can see, the government put in a brand-new causeway that removed my house and my neighbors homes. I want this stopped. Please investigate this collection company. 

I received settlement paper work from XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2020-07-29
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello. I am continually being harassed by Receivable Performance Management about a debt that has false charges on the account.  On XX/XX/XXXX, I spoke with a representative and was told that they would put in a dispute for the amount of the false charge, they did not, instead they put in a dispute for something that i said nothing about and refused to review the recording so that they could hear that was not what I said. Also in the same conversation I was told that I could do a payment plan for a the amount of {$5.00} per month, when I received another call from them and told them I want to proceed with that plan once the false charge is settled, I was then told that I can't do a payment plan for that amount when I was clearly told I could. Also any time I ask to speak with a manager either they lie and send me to another rep, or when I insist on speaking with one they hang up in my face ( that conversation is recorded also XX/XX/XXXX ). I also attempted to get the recording of my conversations, I was told that I was being transferred and was hung up on twice. The manager that did this is XXXX XXXX. This company is very aggressive, deceitful and very disrespectful. This type of treatment is unacceptable. 

Best.

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 2023-01-04
Company: Mark A. Leachman P.C.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX a garnishment was issued by XXXX XXXX for Mark A. Leachman, P.C. collecting on behalf of XXXX XXXX for a loan that was apx. {$400.00}. The garnishment was for {$2100.00} ( 5x the original loan amt. ). 

My checks were garnished from XXXX XXXX to XXXX XXXX of XXXX for a total of {$2100.00}. 

Mark A. Leachman has filed ANOTHER motion to garnish my checks for another {$350.00}. 

I'VE PAID THIS IN-FULL ALREADY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX I sent a letter regarding inaccurate and unknown thing on my credit report. To this day over 30 days later I have not received a response yet. i feel like im being taken advantage of and being ignored of my dispute. Section 611 it is pliantly stated that a failure to investigate these items within 30 days gives a so they should be deleted promptly. i demand these accounts be deleted immediate or i will for ligation due to the stress you caused me. 

The credit bureaus also violated 15 USC 1681 sectoin 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigation before the period under section 611 Tracking # XXXX Tracking # XXXX Tracking # 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 2018-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent certified letters on XXXX. The letters was received on XXXX. They state that they have verified the information with the party. But I have certified letters from the party stating otherwise and I also have a security freeze.

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 2021-05-05
Company: Experian Information Solutions Inc.
State: AZ
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:
Ive been trying for the past two years to get Experian on top of my credit and help repair. XXXX & XXXX  are both up to date shower over 750 credit score and Experian is the only one not working with me.

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