BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person (
company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of
debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter
very serious ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION   Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank changed their website and now you ca n't pay your monthly bill on-line unless you want to wait XXXX3 days or you have to give Chase your other bank 's account number and password you are paying from. No one should tell me I have to give them my bank 's login and password. My laptop went down a few weeks ago and I was using my desktop at my office when I called to find out what the problem was with accessing my account, the Chase rep put me through a battery of questions which were ridiculous in nature regarding payment ranges of loans I am on. Also, they had only my XXXX landlines ( work and home ) on my account and my old email account, so that I could not receive a text on my cell phone -- which is why I called to get a code via my new email. Complicated in each step and let me remind you, I was trying to pay them! I asked the rep if they had changed their site and wanted to make it more difficult for their customers? She said they had changed their site, but of course did n't answer the second part my questions. Last month, my husband could not access his Chase account and I went to a Chase branch in person, of course, they would n't talk to me without first calling him ( you have got to be kidding me ) to verify that I was okay with dealing with them. I am on the mortgage XXXX. I had to re-set my account and then when I got back to the office, my husband STILL could not get on with his username and password. Then the above happened this month when I went to make the mortgage payment again. I give up. I am going to just pay at the bank from now on or mail in. I think that they want you to be late. I think that they are too big for their own good and definitely too big for the public/consumer. In the past, when I talked to them about refinancing our home mortgage, I had XXXX bankers look down their noses at me and flat out refuse because we own a business and have stated income. Here 's the thing, we have an interest only home mortgage loan, which they love, and even though we are outstanding clients of theirs, pay our loan on time, pay our credit card on time and paid off to NEVER use again, have stellar credit scores, they could care less. We are tiny little insignificant peas in their pod. The day we sell our house, I will be so grateful to be out from under their thumb. Please consider the shenanigans that has gone on with Chase and now with their unreasonable personal requests and how it all negatively effects consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 or around XX/XX/2022 I reviewed my consumer report and noticed incorrect accounts, hard inquiries, and personal information that is being furnished without my consent. I have contacted XXXX, XXXX, and Transunion several times about this matter and my concerns. XXXX, XXXX, and Transunion have continued to violate my rights under the FCRA and have committed identity theft. The three credit agencies have caused me personal and actual damages because of the incorrect information they have been reporting. I never gave the credit agencies any verbal or written consent to report anything on my consumer report. I have attached the following letters to resolve this matter. Furthermore, I demand to opt out of any arbitration clause. 
1. Personal Information Update Letter.

2. Permissible Purpose Letter.

3. Opt Out of Arbitration Letter.

4. Debt Validation Letter.

5. Concerning Late Payments & Hard Inquiries Letter.

6. Proof of Information Furnishing Damages. 
7. XXXX Communications. 
I have enclosed a copy of my ID and Utility Bill showing proof of address, so the credit agencies CAN NOT say or try to pause this investigation. To conclude the reporting agencies are reporting furnished " charge-offs '' which is a direct violation of Tax law pursuant Title 26 USC. A charge off is considered " income '' which would be considered incorrect furnished information. 1099A has been reported to the IRS for the following companies I " am disputing for audit. IRS Publication 4681 - canceled debts, foreclosures, repossessions, and abandonments.

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 2022-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is attempting again to force me into escrow. I have never had escrow in the entire duration of this loan. They do this every few years in an attempt to get me to default by XXXX my payments. I find it suspect that they also sell foreclosed homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per

Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that  is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 explanation
Consumer complaint received 2016-01-25
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To the CFPB, Caliber home loans, and other recipients XXXX this letter go on record as it states the facts in our complaint against Caliber Home Loans. On XXXX XXXX Caliber became the new servicer of our mortgage.In the 2 years since we have never received any SPOC from Caliber to help us retain our home.in Calibers most recent response to the CFPB, Caliber claims that they could not contact us with a SPOC because f a cease and desist on the loan. The fact is in XXXX we hired an attorney to respond to a foreclosure attempt by XXXX, who was the mortgage holder at that time. In the letter sent to XXXX formally disputing their attempt, the wording is as follows " We are demanding that XXXX cease and desist any attempt to foreclose on the home. '' The wording did not state a do not contact cease and desist and further more Caliber Home Loans was not named in this as it would be XXXX more years until Caliber became the new servicer of the loan. Caliber also stated in their recent response that a letter was sent to our bankruptcy attorney on XXXX XXXX, XXXX regarding our loss mitigation options. Our attorney has no record of such letter. Are request through the CFPB was for Caliber to send us any proof that this letter was sent to and received by our bankruptcy attorney. There has still been no response. It is clear that through Calibers lack of contact over the last two years, manipulation of wording, and lack of response to our complaints, that Caliber never intended to help our family stay in our home and only to foreclose and evict us. Leaving this family homeless. Further more the purpose of the CFPB is to help the rights of the consumer but it would seem that is not the case because their hands are tied. Disappointing. XXXX is also go on record that a copy of this letter has been sent to the Massachusetts Attorney General, Massachusetts division of banks, The Justice Department, and our State Senators. We have also consulted with an attorney and we will be taking legal action for the loss of our home, severe violations of our rights, and the mental and emotional stress put on our family. 

The XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2016-08-23
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Due to an extreme hardship & divorce I fell behind with the mortgage. Caliber Home Loans who has just recently purchased my home from XXXX XXXX has a foreclosure and sale date of XXXX XXXX on my home even though I was working with their loss mitigation Dept to try to modify the payment they accelerated the foreclosure and I have n't even been given the chance to work out options with them. I have n't even been given options! I received the application & a letter of approval to submit a modification application from them dated XX/XX/XXXX then got a letter dated XX/XX/XXXX that my application was denied cause I did n't turn in documents. Really a day later. That seems deceptive & misleading if you ask me. And they are n't honoring the chance I was given to Try to modify before I got the accelerated foreclosure letter from attorney sent XX/XX/XXXX. I had already turned in an application because I did n't wait for the one dated XX/XX/XXXX to come in the mail, I printed one off their website. But now the sale date is so close & I am still trying to modify. It 's a race against the clock & see which comes first. But they are dragging their heels. I turned in all documents they requested. And everytime I call to make sure they got it I 'm told I need to send something else!! And it takes up to 5 days for them to upload it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I ask the credit bureaus to do a verification of everything thats on my report, they did and they said that everything is accurate. I did a thorough research myself even after they did the thorough research and I found improper, inaccuracies on the credit report even after they did the thorough research. 


XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 to privacy 15 U.S.C 1681 section 604 A section 2 : It will also States a consumer reporting agency can not furnish an account without my written instruction.

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 2022-09-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( 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 investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2016-10-19
Company: CURO Intermediate Holdings
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have sent a copy of my old bank statement showing that i have paid this debit. And a picture ID to the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX that was incharge of this debit. And to equifax where this item is still on my credit report. The date when it was issued is incorrect. This debit was issued to me on XXXX/XXXX/2016 realizing i do n't want it. It was sent back through on XXXX/XXXX/2016. After sending proof about this account what more can i do the have it corrected. Even the date i suppose to have received this loan the date is incorrect it does not corrosponse with the date applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Municipal Collections of America Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a collection notice form a company called Muicipal Collections of America They did not include any back up for the debt collection. The debt collector cites a ticket in forrest XXXX XXXX. on XX/XX/XXXX. We live in XXXX and were no in XXXX on the date referenced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX NEVER HAD A 30 DAY LATE XX/XX/XXXX ( DURING PANDEMIC ) FALSE REPORTED CARDS WERE OFFERED EXTENDED PAY. 

NEVER HAD A 30 DAY LATE XX/XX/XXXX NEVER HAD A 60 DAY LATE XX/XX/XXXX NEVER HAD A 90 DAY LATE XX/XX/XXXX NEVER HAD A 120 DAY LATE 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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX  [ Account # XXXX ] is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ). {$2500.00} and {$3600.00} of this loan have competed the rehabilitation process. Delete 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 non-monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation