BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: EQUIFAX, 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:
In the month of XX/XX/XXXX, I became aware that my information was stolen and used to open up multiple fraudulent accounts in my name. I submitted the required documents to place an extended fraud alert on my credit and it appeared on XX/XX/XXXX. I pay a monthly credit monitoring fee of {$24.00} to maintain a credit lock on my credit reports to prevent further fraudulent activity. Next, on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to Equifax regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$17.00} in mailing services to get this letter to Equifax. I received notification they received the certified packet on XX/XX/XXXX. I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that EQUIFAX had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to Equifax on XX/XX/XXXX tracking number XXXX paying {$15.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on Equifax 's end or on my credit reports. Next, I submitted to XXXX  on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to XXXX regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$19.00} in mailing services to get this letter to XXXX. I received notification they received the certified packet on XX/XX/XXXX, I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that XXXX  had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to XXXX on XX/XX/XXXX tracking number XXXX paying {$16.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on XXXX 's end or on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: PulteGroup, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was applying for a mortgage with Pulte Mortgage since they were building my house. We first got in contact with Pulte Mortgage on XX/XX/XXXX. They ended up giving me my loan estimate. The loan estimate that I received was ok, but as with all mortgages you usually want to get multiple estimates so you can see if your getting the best deal. So I did n't get with the other lender till XX/XX/XXXX, which I had told pulte mortgage that I would be doing that, which is why I did n't get them anymore documents or respond to any additional communications at that time because I wanted to make sure I 'm getting the best deal for my money. I had decided to go with my other lender and they had requested title. I was under the impression that Pulte had canceled my loan because the loan processor had requested it since I was n't giving them my documents. Well on XX/XX/XXXX, I get communication from my loan consultant and says please look at this deal. I do n't know why they would send me another deal, which was it better? Yes it was, but it came out of nowhere. I think it was triggered due to tile request from the lender I was wanting to use and I never had sent them my other proposal. So when I opened up the new offer, it was brought to my attention that they ended up deleting a lot of the fees that were on my proposal from the start and was n't in the lender credit area where you would see adjustments from your lender if they decided to give you additional discounts towards your deals to offset other proposals. Well I called my loan consultant and he told me that every deal is different for each potential deal. Which for lending its not supposed to be that way, where companies can just go in and switch up fees for some people and not others. I was not happy to hear about that even thought it gave me a great deal. So apparently those fees were erroneous and they were just trying to take a bad mortgage. I 'm all about equality when it comes to lending especially with me working in the financial industry and knowing you have to treat all customers with the same expectations and fees.

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 2022-01-12
Company: Lewis, McDonnell & Associates
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed numerous complaints about this debt. I refuse to pay {$3000.00} + dollars for something I dont owe. This debi collection agency provided me with documents that I found in my email. I never signed for anything of this amount. I remember purchasing a television from a place right before the storm. It was a 55 television from XXXX XXXXXXXX in XXXX XXXX. I never brought anything else. This is not my account. The signature is not mine and I am not paying for something I dont owe. This company is a fraudulent company. The only other loan I took out was with XXXX XXXX  for {$1000.00} in 2013. I paid it back within 30 days. This documents does not contain my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Not sure what they are looking for but I am tired of being bothered day in and day out every day being harassed with phone calls.

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 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last XXXX XXXX, XXXX, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XXXX XXXX and dismissal of the bankruptcy reported was last XXXX XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.

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 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 XXXX XXXX capital one closed my credit card due to an identity theft dispute. they have been reporting late payments since XXXX 2022 Those alleged late payments have caused hardship in my life now. And by law those alleged late payments should not be furnished on my consumer report. that information is considered nonpublic personal information. Also, according to the TRUTH IN LENDING ACT which financial institutions abide by. there is no such thing as a late payment. it also states that a creditor may NOT treat a payment on a CREDIT CARD account under an open-end consumer credit plan as late for ANY purpose. since they have furnished multiple late payments on my consumer report, they are now making EXTORNIATE MEANS to collect the repayment of a line of credit this is causing harm to my reputation. I have been denied loans and other extensions of credit. according to congress whoever knowingly participates in collecting extensions of credit by extortionate means, or conspires to do so, in the use of any extortionate means shall be fined under this title or imprisoned not more than 20 years. they have broken multiple laws under the UNITED STATES CODE. 

1. 15 U.S. Code 6801 - Protection of nonpublic personal information congress clearly states that financial institutions have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

nonpublic personal information means any personally identifiable financial information ; resulting from any transaction with the consumer or any service performed for the consumer ; otherwise obtained by the financial institution. which includes payment history.

According to 18 U.S. Code Chapter 42 - EXTORTIONATE CREDIT TRANSACTIONS 18 U.S. Code 894 - Collection of extensions of credit by extortionate means Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means 1. to collect or attempt to collect any extension of credit, or 2. to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

extortionate means is any means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, reputation, or property of any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CCS Financial Services, Inc.
State: SC
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 RECEIVED A LETTER IN THE MAIL FROM ONE OF MY XXXX  AND IT WAS A LETTER A COMPANY CALLED CCS COLLECTIONS. I CALLED THEM AND SEND OVER A POLICE REPORT AND ALSO CALLED THE XXXX AND IT WAS DIMED AS FRAUD. NOW THE COMPANY PUT A FRAUD ACCOUNT ON CREDIT FILE WHEN THEY HAD PROOF IT WASNT MINE. I LIVE IN SC NOT NC AND IM XXXX IN SC SO I CAN I HAVE A NC AUTO POLICY. NO ONE THERE CARES AND CLEARLY ITS ALL ABPUT THE MONEY.. I WILL SUE AND IM A XXXX XXXX IN XXXX SC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: North Shore Agency, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern : I, XXXX XXXX have growing concerns about the business practices of North Shore Agency ( NSA ). First, I contact NSA on X/X/18 and was informed by XXXX that as per her supervisor that I could not record the phone call, in which is a violation of NYS law. Second, I am receiving a reoccurring bill that has been satisfied. The bill states I have 30 days to respond or I will be liable for said charges. I believe that this is a predatory practice and is in violation with corresponding Federal Law. I need my account to be updated as satisfied and no longer receive any bill ( s ) from NSA or I will take legal action. Thank you for your assistance.

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 2021-08-04
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On the XX/XX/2021, I called IC debt collection issuing to paid off a account and also to removed the collections off from my credit report. IC system collected unnecessary information to get a payment process. IC System Representative also agreed to process a pay for deletion. After, the representative received the payment. I was told my payment was something completely different from what I agreed to pay my debt for.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER

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 2022-01-12
Company: United PanAm Financial Corp.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any Influence from any third party or agency. Please see attached documents & ID. Repossession company is an unauthorized 3rd Party. They were not a witness to contract. Infringement is on my right to privacy. How did the repossession company get my address? Who gave them permission to contact me at my location? I put in a cease and desist order. Third parties can not take my car, its breaking the law. Why would they pay me the difference on a vehicle they claim they own? Attached is notice of repossession letter by United Auto Credit Corporation to prove theft, fraud, and identity theft. A XXXX came to my home and stole from me. United Auto Credit Corporation sent a letter stating theyve sent an unauthorized third party to my home. United Auto Credit Corporation has no present right to possession of the property claimed as collateral through an enforceable security interest as I, have no liens against me and property is exempt by law from such dispossession or disablement due to my 4th amendment rights. United Auto Credit Corporation threatened to seize and has taken my property as show in Attachments. Which is a direct violation of 15 U.S.Code 1692f ( 6. Also advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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. 

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX is the current Servicer of my mortgage. I purchased my home in XXXX for {$350000.00}. I put {$270000.00} down with a mortgage of {$80000.00}. 

I have refinanced it to meet my divorce obligations. 

The last refinance was with XXXX. It was given to Bank XXXX XXXX I learned last week in XXXX. 

I was on a Trial Period of XXXX with Bank XXXX XXXX They refused to modify the mortgage and added {$200000.00} to my principle while XXXX had added approximately {$50000.00} to the principal balance. 
I received a package from XXXX stating that they were Servicing my loan. They ignored my 18 months of mortgage payments and added another {$360000.00} to my principal balance as a balloon mortgage that would become payable in 30years. 

XXXX told me in XXXX that if I didn't sign their mortgage modification that they would foreclose on my home. 

I believed them because there were many Foreclosures going on. 

I was unable to pay my mortgage in XX/XX/XXXX and just recently started a new job. 

Approximately 3 weeks ago I learned that I was being foreclosed upon. I was terribly perplexed because on XX/XX/XXXX, the date on the letter, stated that I should contact them. 

I contacted them to find out my options. Surely I was afraid to modify my loan again because they might have added a couple more hundred thousands to my principal balance. I asked for a reinstatement balance I just received it yesterday. 
Meanwhile, they are trying to foreclose on my home and trying to lie about owing interest in land that I purchased besides my home. 
They have no interest in it at all. My Title states that they don't. 
The Mortgage doesn't even State the metes and bounds. 

Quite frankly, this mortgage has kept me uneasy for years. A quiet killer. I could not obtain credit to maintain my home or even get a parent plus loan for my daughters college tuition. It has caused us great harm and embarrassment. How can Banks and Mortgage Companies continue to be allowed to take tremendous advantage of their customers like this. This is extreme predatory lending practices. Also, for them to try to foreclose on property that they have no legal interest adds to the injury. I have to retain an Attorney to try to stop the madness. To have a Bank enter a Judgement of default when they didn't even properly service me is a travesty. I need your help. The people of this Country deserve better. I could be homeless and actually should be nearly finished paying for my home. 
The legal proceedings in XXXX XXXX, New Jersey should be halted. I shouldn't have to incur legal fees for their abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: AR
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor 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 2017-10-11
Company: Medical Business Bureau
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical Business Bureau is stating that my first date of Delinquency for the amount of {$360.00} was XX/XX/XXXX, but I was n't in the hospital until XX/XX/XXXX. The original bill is from XXXX XXXX XXXX, which was paid in full and I have supporting documents. XXXX has already honored my dispute and DELETED the item off my credit. I just need XXXX and XXXX to follow suit. I also have the hard copy supporting document showing that XXXX has removed this item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

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 2020-01-13
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State Safe at Home Program. Refer to Missouri Statues Chapter 589.

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